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EFSC vs SPNS

Comparison between Enterprise Financial Services Corp (EFSC, Company) and Sapiens International Corp NV (SPNS, Company).

EFSC is from the Financial Services sector, while SPNS is from the Technology sector.

5-Year PerformanceSPNS has outperformed EFSC, delivering a return of +11.4% compared to +10.8%

EFSC vs SPNS - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
EFSC
$2.42B
Winner
SPNS
$2.43B
Max Drawdown
Winner
EFSC
78.59%
SPNS
99.28%
Sharpe Ratio
EFSC
0.98
Winner
SPNS
1.03
5Y Beta
EFSC
0.79
SPNS
N/A
Industry
EFSC
Banks - Regional
SPNS
Software - Application
P/E Ratio
Winner
EFSC
12.16
SPNS
33.64
Forward P/E
Winner
EFSC
12.14
SPNS
29.59
PEG Ratio
EFSC
3.29
Winner
SPNS
2.20
Dividend Yield
Winner
EFSC
1.96%
SPNS
1.38%
5Y Dividends CAGR
EFSC
17.32%
Winner
SPNS
33.99%
5Y EPS CAGR
EFSC
14.10%
Winner
SPNS
19.81%
Debt to Equity
Winner
EFSC
0.00%
SPNS
8.25%
Free Cash Flow Yield
Winner
EFSC
8.40%
SPNS
3.27%
P/S Ratio
EFSC
3.45
SPNS
N/A
P/B Ratio
EFSC
1.23
SPNS
N/A

EFSC vs SPNS - Historical Returns

Returns include dividend reinvestment.

1M
Winner
EFSC
+2.28%
SPNS
+0.72%
3M
Winner
EFSC
+16.42%
SPNS
+1.02%
6M
EFSC
+14.33%
Winner
SPNS
+53.10%
1Y
EFSC
+26.89%
Winner
SPNS
+56.07%
5Y(CAGR)
EFSC
+10.82%
Winner
SPNS
+11.44%
10Y(CAGR)
EFSC
+10.47%
Winner
SPNS
+17.93%
Max(CAGR)
Winner
EFSC
+8.81%
SPNS
+0.62%

EFSC vs SPNS - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearEFSCSPNS
2026+25.96%N/A
2025-0.49%+71.02%
2024+27.99%-2.56%
2023-6.12%+56.77%
2022+4.51%-45.70%
2021+38.15%+15.44%
2020-25.67%+31.91%
2019+28.34%+112.34%
2018-15.75%-6.92%
2017+6.98%-20.24%
2016+55.43%+42.15%
2015+47.16%+45.61%
2014+0.18%-2.12%
2013+49.46%+96.82%
2012-12.90%+6.38%
2011+37.95%+62.07%
2010+33.67%+55.41%
2009-46.74%-20.41%
2008-32.40%+44.01%
2007-21.55%-10.74%
2006+42.44%-2.60%
2005+23.41%-42.75%
2004+34.06%-31.49%
2003+4.49%-11.24%
2002N/A-11.76%
2001N/A-11.76%
2000N/A-93.16%
1999N/A+73.05%

EFSC vs SPNS Drawdown Comparison

The maximum drawdown for EFSC was -77.62%, occurring on Dec 22, 2009. Recovery took 2261 trading sessions.

The maximum drawdown for SPNS was -99.28%, occurring on Mar 5, 2009. This drawdown has not yet recovered.

The current EFSC drawdown is -1.78%. The current SPNS drawdown is -47.10%.

RankEFSCSPNS
#1-77.62%
Oct 30, 2006 - Oct 23, 2015
-99.28%
Jan 24, 2000 - Mar 5, 2009
#2-57.20%
Jul 26, 2018 - Feb 1, 2023
-18.64%
Dec 27, 1999 - Jan 14, 2000
#3-38.77%
Feb 7, 2023 - Jul 26, 2024
-13.43%
Dec 13, 1999 - Dec 27, 1999
#4-25.04%
Feb 6, 2025 - Aug 27, 2025
-6.60%
Nov 9, 1999 - Nov 26, 1999
#5-24.19%
Jul 11, 2005 - Feb 14, 2006
-5.26%
Nov 1, 1999 - Nov 8, 1999
#6-19.79%
Feb 22, 2017 - Nov 29, 2017
-4.54%
Nov 30, 1999 - Dec 7, 1999
#7-16.30%
Nov 10, 2015 - Aug 5, 2016
-4.13%
Dec 9, 1999 - Dec 13, 1999
#8-15.27%
Aug 27, 2025 - Feb 17, 2026
N/A
#9-14.01%
Feb 20, 2026 - May 26, 2026
N/A
#10-12.67%
Apr 5, 2006 - Aug 16, 2006
N/A
#11-12.43%
Feb 8, 2005 - Jun 6, 2005
N/A
#12-11.54%
Jul 26, 2024 - Oct 17, 2024
N/A
#13-11.48%
Nov 25, 2024 - Feb 5, 2025
N/A
#14-11.21%
Dec 29, 2016 - Feb 13, 2017
N/A
#15-10.00%
Apr 27, 2004 - Jun 7, 2004
N/A

Correlation

Correlation between EFSC and SPNS is 0.84 which considered as a strong positive correlation - the stocks tend to move together.

0.84
-101

Dividend Comparison (2005 - 2026)

EFSC vs SPNS dividend yield comparison.

YearEFSCSPNS
20261.00%0.00%
20252.26%1.52%
20241.88%2.12%
20232.24%1.76%
20221.84%3.79%
20211.59%1.07%
20202.06%0.46%
20191.29%0.96%
20181.25%1.81%
20170.97%1.74%
20160.95%1.39%
20150.93%4.41%
20141.06%0.00%
20131.03%1.95%
20121.61%0.00%
20111.42%0.00%
20102.01%0.00%
20092.72%0.00%
20081.38%0.00%
20070.88%0.00%
20060.55%0.00%
20050.62%0.00%

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