Sapiens [SPNS] vs Paycom Software [PAYC] Detailed Stock Comparison

Sapiens International Corporation N.V.

NASDAQ
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Paycom Software, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Sapiens International Corporation N.V. wins in 4 metrics, Paycom Software, Inc. wins in 17 metrics, with 0 ties. Paycom Software, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Sapiens International Corporation N.V. Paycom Software, Inc. Better
P/E Ratio (TTM) 37.78 16.45 Paycom Software, Inc.
Price-to-Book Ratio 4.73 4.03 Paycom Software, Inc.
Debt-to-Equity Ratio 8.26 5.22 Paycom Software, Inc.
PEG Ratio -1.78 8.35 Paycom Software, Inc.
EV/EBITDA 25.73 10.49 Paycom Software, Inc.
Profit Margin (TTM) 11.40% 22.10% Paycom Software, Inc.
Operating Margin (TTM) 11.66% 28.86% Paycom Software, Inc.
EBITDA Margin (TTM) 11.66% 28.86% Paycom Software, Inc.
Return on Equity 12.95% 27.42% Paycom Software, Inc.
Return on Assets (TTM) 6.78% 5.27% Sapiens International Corporation N.V.
Free Cash Flow (TTM) $72.21M $403.50M Paycom Software, Inc.
Dividend Yield 3.34% 1.15% Sapiens International Corporation N.V.
1-Year Return 56.52% -46.09% Sapiens International Corporation N.V.
Price-to-Sales Ratio (TTM) 4.30 3.45 Paycom Software, Inc.
Enterprise Value $2.41B $6.65B Paycom Software, Inc.
EV/Revenue Ratio 4.26 3.24 Paycom Software, Inc.
Gross Profit Margin (TTM) 44.19% 83.87% Paycom Software, Inc.
Revenue per Share (TTM) $10 $37 Paycom Software, Inc.
Earnings per Share (Diluted) $1.15 $7.93 Paycom Software, Inc.
Beta (Stock Volatility) 0.90 0.80 Paycom Software, Inc.
Short % of Float 2.61% 12.92% Sapiens International Corporation N.V.

Sapiens International Corporation N.V. vs Paycom Software, Inc. Stock Performance Analysis

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SPNS
PAYC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Sapiens International Corporation N.V.0.00%0.07%0.51%1.02%53.10%77.20%
Paycom Software, Inc.-4.47%8.52%9.01%12.35%-11.00%-5.42%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Sapiens International Corporation N.V.56.52%132.98%42.55%343.37%1,702.90%2,758.55%
Paycom Software, Inc.-46.09%-52.38%-56.66%241.07%759.51%759.51%

Performance & Financial Health Analysis: Sapiens International Corporation N.V. vs Paycom Software, Inc.

MetricSPNSPAYC
Market Information
Market Cap i$2.43B$6.81B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i609,504983,556
90 Day Avg. Volume i478,2311,618,165
Last Close$43.45$137.79
52 Week Range$23.69 - $43.52$104.90 - $267.76
% from 52W High-0.16%-48.54%
All-Time High$110.00 (Jan 24, 2000)$558.97 (Nov 01, 2021)
% from All-Time High-60.50%-75.35%
Growth Metrics
Quarterly Revenue Growth0.11%0.10%
Quarterly Earnings Growth-0.22%0.00%
Financial Health
Profit Margin (TTM) i0.11%0.22%
Operating Margin (TTM) i0.12%0.29%
Return on Equity (TTM) i0.13%0.27%
Debt to Equity (MRQ) i8.265.22
Cash & Liquidity
Book Value per Share (MRQ)$9.18$32.36
Cash per Share (MRQ)$1.47$6.96
Operating Cash Flow (TTM) i$79.98M$678.90M
Levered Free Cash Flow (TTM) i$48.63M$260.98M
Dividends
Last 12-Month Dividend Yield i3.34%1.15%
Last 12-Month Dividend i$0.95$1.52

Valuation & Enterprise Metrics Analysis: Sapiens International Corporation N.V. vs Paycom Software, Inc.

MetricSPNS (Jan 03, 2026)PAYC (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i37.7816.45
Forward P/E i28.1211.20
PEG Ratio i-1.788.35
Price to Sales (TTM) i4.303.45
Price to Book (MRQ) i4.734.03
Market Capitalization
Market Capitalization i$2.43B$6.81B
Enterprise Value i$2.41B$6.65B
Enterprise Value Metrics
Enterprise to Revenue i4.263.24
Enterprise to EBITDA i25.7310.49
Risk & Other Metrics
Beta i0.900.80
Book Value per Share (MRQ) i$9.18$32.36

Financial Statements Comparison: Sapiens International Corporation N.V. vs Paycom Software, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSPNS (2024)PAYC (2025)
Revenue/Sales i542.38M2.05B
Cost of Goods Sold i304.27M345.40M
COGS % of Revenue i56.1%16.8%
Gross Profit i238.11M1.71B
Gross Margin i43.9%83.2%
Research & Development i66.30M283.40M
Operating Income (EBIT) i85.85M567.20M
Operating Margin i15.8%27.6%
EBITDA i107.02M799.10M
EBITDA Margin i19.7%38.9%
Pre-Tax Income i89.83M619.40M
Pre-Tax Income % of Revenue i16.6%30.2%
Income Tax i17.51M166.00M
Income Tax % of Revenue i3.2%8.1%
Net Income (Profit) i72.32M453.40M
Profit Margin i13.3%22.1%

Balance Sheet & Liquidity Metrics

MetricSPNS (2024)PAYC (2025)
Cash & Equivalents i163.69M370.00M
Total Current Assets i335.14M5.84B
Total Current Assets % of Revenue i61.8%284.6%
Total Current Liabilities i149.58M5.37B
Total Current Liabilities % of Revenue i27.6%261.7%
Long-Term Debt i37.51M61.90M
Long-Term Debt % of Revenue i6.9%3.0%
Total Shareholders Equity i479.63M1.73B
Retained Earnings i160.23M2.26B
Retained Earnings % of Revenue i29.5%109.9%
Property, Plant & Equipment i20.75M163.50M

Cash Flow Statement Comparison

MetricSPNS (2024)PAYC (2025)
Operating Cash Flow i81.46M689.50M
Operating Cash Flow % of Revenue i15.0%33.6%
Capital Expenditures i-2.68M-270.80M
Free Cash Flow i72.21M403.50M
FCF Margin i13.3%19.7%
Debt Repayment i-19.80M0
Common Stock Repurchase iN/A-325.50M

Short Interest & Institutional Ownership Analysis

MetricSPNSPAYC
Shares Short i782,3865.35M
Short Ratio i1.782.50
Short % of Float i2.61%12.92%
Shares Outstanding i55.90M54.80M
Float Shares i30.66M45.42M
% Held by Insiders i45.06%13.52%
% Held by Institutions i44.67%109.00%
% Held by Public i10.27%-22.52%

Dividend Analysis & Yield Comparison: Sapiens International Corporation N.V. vs Paycom Software, Inc.

MetricSPNSPAYC
Last 12-Month Dividend i$0.95$1.52
Last 12-Month Dividend Yield i3.34%1.15%
3-Year Avg Annual Dividend i$0.66$1.52
3-Year Avg Dividend Yield i1.22%0.19%
3-Year Total Dividends i$1.97$4.56
Ex-Dividend DateApr 07, 2025Mar 09, 2026