CASS INFORMATION SYSTEMS INC (CASS) Fundamental Analysis & Valuation

NASDAQ:CASS • US14808P1093

Current stock price

46.26 USD
-0.15 (-0.32%)
At close:
46.26 USD
0 (0%)
After Hours:

This CASS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. CASS Profitability Analysis

1.1 Basic Checks

  • CASS had positive earnings in the past year.
  • In the past year CASS had a positive cash flow from operations.
  • Each year in the past 5 years CASS has been profitable.
  • CASS had a positive operating cash flow in each of the past 5 years.
CASS Yearly Net Income VS EBIT VS OCF VS FCFCASS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

1.2 Ratios

  • CASS has a Return On Assets of 1.35%. This is comparable to the rest of the industry: CASS outperforms 52.53% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.45%, CASS is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
  • CASS's Return On Invested Capital of 3.21% is in line compared to the rest of the industry. CASS outperforms 54.55% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CASS is significantly below the industry average of 8.00%.
  • The last Return On Invested Capital (3.21%) for CASS is above the 3 year average (2.75%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.35%
ROE 14.45%
ROIC 3.21%
ROA(3y)1.12%
ROA(5y)1.17%
ROE(3y)11.97%
ROE(5y)12.89%
ROIC(3y)2.75%
ROIC(5y)3.04%
CASS Yearly ROA, ROE, ROICCASS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 16.93%, CASS is in the better half of the industry, outperforming 69.70% of the companies in the same industry.
  • CASS's Profit Margin has been stable in the last couple of years.
  • CASS's Operating Margin of 18.69% is fine compared to the rest of the industry. CASS outperforms 66.67% of its industry peers.
  • CASS's Operating Margin has declined in the last couple of years.
  • The Gross Margin of CASS (92.13%) is better than 93.94% of its industry peers.
  • In the last couple of years the Gross Margin of CASS has remained more or less at the same level.
Industry RankSector Rank
OM 18.69%
PM (TTM) 16.93%
GM 92.13%
OM growth 3Y-6.56%
OM growth 5Y-1.8%
PM growth 3Y-3.15%
PM growth 5Y-0.1%
GM growth 3Y-2.08%
GM growth 5Y-1.32%
CASS Yearly Profit, Operating, Gross MarginsCASS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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2

2. CASS Health Analysis

2.1 Basic Checks

  • CASS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, CASS has less shares outstanding
  • The number of shares outstanding for CASS has been reduced compared to 5 years ago.
  • The debt/assets ratio for CASS has been reduced compared to a year ago.
CASS Yearly Shares OutstandingCASS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M
CASS Yearly Total Debt VS Total AssetsCASS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • CASS has an Altman-Z score of -0.66. This is a bad value and indicates that CASS is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of -0.66, CASS is not doing good in the industry: 71.72% of the companies in the same industry are doing better.
  • The Debt to FCF ratio of CASS is 21.61, which is on the high side as it means it would take CASS, 21.61 years of fcf income to pay off all of its debts.
  • CASS has a Debt to FCF ratio (21.61) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 2.83 is on the high side and indicates that CASS has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 2.83, CASS is doing worse than 72.73% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.83
Debt/FCF 21.61
Altman-Z -0.66
ROIC/WACC0.57
WACC5.65%
CASS Yearly LT Debt VS Equity VS FCFCASS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

2.3 Liquidity

  • CASS has a Current Ratio of 0.04. This is a bad value and indicates that CASS is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.04, CASS is doing worse than 78.79% of the companies in the same industry.
  • CASS has a Quick Ratio of 0.04. This is a bad value and indicates that CASS is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of CASS (0.04) is worse than 78.79% of its industry peers.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
CASS Yearly Current Assets VS Current LiabilitesCASS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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5

3. CASS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 89.86% over the past year.
  • Measured over the past years, CASS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.49% on average per year.
  • The Revenue has decreased by -5.67% in the past year.
  • CASS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.97% yearly.
EPS 1Y (TTM)89.86%
EPS 3Y0.91%
EPS 5Y8.49%
EPS Q2Q%87.88%
Revenue 1Y (TTM)-5.67%
Revenue growth 3Y3.46%
Revenue growth 5Y6.97%
Sales Q2Q%-0.96%

3.2 Future

  • CASS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.73% yearly.
  • Based on estimates for the next years, CASS will show a small growth in Revenue. The Revenue will grow by 5.85% on average per year.
EPS Next Y9.4%
EPS Next 2Y16.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.33%
Revenue Next 2Y5.85%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
CASS Yearly Revenue VS EstimatesCASS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
CASS Yearly EPS VS EstimatesCASS Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 1 2 3

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4

4. CASS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 17.66, CASS is valued on the expensive side.
  • The rest of the industry has a similar Price/Earnings ratio as CASS.
  • When comparing the Price/Earnings ratio of CASS to the average of the S&P500 Index (27.34), we can say CASS is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 16.14 indicates a correct valuation of CASS.
  • CASS's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of CASS to the average of the S&P500 Index (38.18), we can say CASS is valued rather cheaply.
Industry RankSector Rank
PE 17.66
Fwd PE 16.14
CASS Price Earnings VS Forward Price EarningsCASS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • CASS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CASS is cheaper than 92.93% of the companies in the same industry.
  • CASS's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 18.8
EV/EBITDA 4.5
CASS Per share dataCASS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CASS does not grow enough to justify the current Price/Earnings ratio.
  • CASS has a very decent profitability rating, which may justify a higher PE ratio.
  • CASS's earnings are expected to grow with 16.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.88
PEG (5Y)2.08
EPS Next 2Y16.73%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CASS Dividend Analysis

5.1 Amount

  • CASS has a Yearly Dividend Yield of 2.71%. Purely for dividend investing, there may be better candidates out there.
  • CASS's Dividend Yield is a higher than the industry average which is at 1.86.
  • Compared to an average S&P500 Dividend Yield of 1.82, CASS pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.71%

5.2 History

  • The dividend of CASS has a limited annual growth rate of 2.97%.
  • CASS has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CASS has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.97%
Div Incr Years24
Div Non Decr Years29
CASS Yearly Dividends per shareCASS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • CASS pays out 47.02% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of CASS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP47.02%
EPS Next 2Y16.73%
EPS Next 3YN/A
CASS Yearly Income VS Free CF VS DividendCASS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
CASS Dividend Payout.CASS Dividend Payout, showing the Payout Ratio.CASS Dividend Payout.PayoutRetained Earnings

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CASS Fundamentals: All Metrics, Ratios and Statistics

CASS INFORMATION SYSTEMS INC

NASDAQ:CASS (4/14/2026, 8:00:02 PM)

After market: 46.26 0 (0%)

46.26

-0.15 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-22
Earnings (Next)04-16
Inst Owners59.96%
Inst Owner Change0.07%
Ins Owners2.81%
Ins Owner Change2.35%
Market Cap597.22M
Revenue(TTM)207.43M
Net Income(TTM)35.12M
Analysts82.86
Price Target51 (10.25%)
Short Float %2.61%
Short Ratio3.96
Dividend
Industry RankSector Rank
Dividend Yield 2.71%
Yearly Dividend1.25
Dividend Growth(5Y)2.97%
DP47.02%
Div Incr Years24
Div Non Decr Years29
Ex-Date03-03
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.76%
Min EPS beat(2)-5.02%
Max EPS beat(2)-0.5%
EPS beat(4)1
Avg EPS beat(4)-1.95%
Min EPS beat(4)-10.13%
Max EPS beat(4)7.84%
EPS beat(8)1
Avg EPS beat(8)-18.44%
EPS beat(12)2
Avg EPS beat(12)-14.93%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.82%
Min Revenue beat(2)-2.24%
Max Revenue beat(2)-1.39%
Revenue beat(4)0
Avg Revenue beat(4)-7.48%
Min Revenue beat(4)-14.65%
Max Revenue beat(4)-1.39%
Revenue beat(8)1
Avg Revenue beat(8)-4.72%
Revenue beat(12)4
Avg Revenue beat(12)-3.24%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)11.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.12%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 17.66
Fwd PE 16.14
P/S 2.88
P/FCF 18.8
P/OCF 15.95
P/B 2.46
P/tB 2.68
EV/EBITDA 4.5
EPS(TTM)2.62
EY5.66%
EPS(NY)2.87
Fwd EY6.2%
FCF(TTM)2.46
FCFY5.32%
OCF(TTM)2.9
OCFY6.27%
SpS16.07
BVpS18.82
TBVpS17.28
PEG (NY)1.88
PEG (5Y)2.08
Graham Number33.31
Profitability
Industry RankSector Rank
ROA 1.35%
ROE 14.45%
ROCE 14.01%
ROIC 3.21%
ROICexc 5.41%
ROICexgc 11.08%
OM 18.69%
PM (TTM) 16.93%
GM 92.13%
FCFM 15.32%
ROA(3y)1.12%
ROA(5y)1.17%
ROE(3y)11.97%
ROE(5y)12.89%
ROIC(3y)2.75%
ROIC(5y)3.04%
ROICexc(3y)4.61%
ROICexc(5y)4.18%
ROICexgc(3y)11.17%
ROICexgc(5y)9.43%
ROCE(3y)12.01%
ROCE(5y)13.23%
ROICexgc growth 3Y9.82%
ROICexgc growth 5Y-4.66%
ROICexc growth 3Y9.6%
ROICexc growth 5Y-0.14%
OM growth 3Y-6.56%
OM growth 5Y-1.8%
PM growth 3Y-3.15%
PM growth 5Y-0.1%
GM growth 3Y-2.08%
GM growth 5Y-1.32%
F-Score8
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 2.83
Debt/FCF 21.61
Debt/EBITDA 14.94
Cap/Depr 78.64%
Cap/Sales 2.73%
Interest Coverage 2.37
Cash Conversion 81.45%
Profit Quality 90.48%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z -0.66
F-Score8
WACC5.65%
ROIC/WACC0.57
Cap/Depr(3y)174.24%
Cap/Depr(5y)146.43%
Cap/Sales(3y)4.93%
Cap/Sales(5y)4.15%
Profit Quality(3y)106.75%
Profit Quality(5y)111.36%
High Growth Momentum
Growth
EPS 1Y (TTM)89.86%
EPS 3Y0.91%
EPS 5Y8.49%
EPS Q2Q%87.88%
EPS Next Y9.4%
EPS Next 2Y16.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.67%
Revenue growth 3Y3.46%
Revenue growth 5Y6.97%
Sales Q2Q%-0.96%
Revenue Next Year7.33%
Revenue Next 2Y5.85%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y60.04%
EBIT growth 3Y-3.33%
EBIT growth 5Y5.05%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y7.27%
FCF growth 3Y-11.44%
FCF growth 5Y-7.04%
OCF growth 1Y-3.88%
OCF growth 3Y-10.15%
OCF growth 5Y-4.76%

CASS INFORMATION SYSTEMS INC / CASS Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CASS INFORMATION SYSTEMS INC?

ChartMill assigns a fundamental rating of 4 / 10 to CASS.


What is the valuation status of CASS INFORMATION SYSTEMS INC (CASS) stock?

ChartMill assigns a valuation rating of 4 / 10 to CASS INFORMATION SYSTEMS INC (CASS). This can be considered as Fairly Valued.


What is the profitability of CASS stock?

CASS INFORMATION SYSTEMS INC (CASS) has a profitability rating of 6 / 10.


Can you provide the financial health for CASS stock?

The financial health rating of CASS INFORMATION SYSTEMS INC (CASS) is 2 / 10.


What is the earnings growth outlook for CASS INFORMATION SYSTEMS INC?

The Earnings per Share (EPS) of CASS INFORMATION SYSTEMS INC (CASS) is expected to grow by 9.4% in the next year.