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SPNS vs EFSC

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

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

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

SPNS vs EFSC - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

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

SPNS vs EFSC - Historical Returns

Returns include dividend reinvestment.

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

SPNS vs EFSC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

SPNS vs EFSC Drawdown Comparison

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

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

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

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

Correlation

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

0.84
-101

Dividend Comparison (2005 - 2026)

SPNS vs EFSC dividend yield comparison.

YearSPNSEFSC
20260.00%1.00%
20251.52%2.26%
20242.12%1.88%
20231.76%2.24%
20223.79%1.84%
20211.07%1.59%
20200.46%2.06%
20190.96%1.29%
20181.81%1.25%
20171.74%0.97%
20161.39%0.95%
20154.41%0.93%
20140.00%1.06%
20131.95%1.03%
20120.00%1.61%
20110.00%1.42%
20100.00%2.01%
20090.00%2.72%
20080.00%1.38%
20070.00%0.88%
20060.00%0.55%
20050.00%0.62%

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