46.79 USD
+0.47 (+1.01%)
At close: Feb 5, 2026
46.79 USD
0 (0%)
After Hours: 2/5/2026, 8:12:47 PM
Taking everything into account, CASS scores 4 out of 10 in our fundamental rating. CASS was compared to 97 industry peers in the Financial Services industry. There are concerns on the financial health of CASS while its profitability can be described as average. CASS has a decent growth rate and is not valued too expensively. Finally CASS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- CASS had positive earnings in the past year.
- CASS had a positive operating cash flow in the past year.
- Each year in the past 5 years CASS has been profitable.
- Of the past 5 years CASS 4 years had a positive operating cash flow.
1.2 Ratios
- CASS has a Return On Assets (1.28%) which is in line with its industry peers.
- Looking at the Return On Equity, with a value of 12.95%, CASS is in the better half of the industry, outperforming 69.07% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 3.02%, CASS is in line with its industry, outperforming 50.52% of the companies in the same industry.
- CASS had an Average Return On Invested Capital over the past 3 years of 2.85%. This is significantly below the industry average of 8.54%.
- The last Return On Invested Capital (3.02%) for CASS is above the 3 year average (2.85%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 12.95% | ||
| ROIC | 3.02% |
ROA(3y)1.12%
ROA(5y)1.17%
ROE(3y)11.97%
ROE(5y)12.89%
ROIC(3y)2.85%
ROIC(5y)3.1%
1.3 Margins
- Looking at the Profit Margin, with a value of 15.07%, CASS is in line with its industry, outperforming 58.76% of the companies in the same industry.
- In the last couple of years the Profit Margin of CASS has remained more or less at the same level.
- With a Operating Margin value of 16.52%, CASS perfoms like the industry average, outperforming 56.70% of the companies in the same industry.
- In the last couple of years the Operating Margin of CASS has declined.
- The Gross Margin of CASS (91.85%) is better than 92.78% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.52% | ||
| PM (TTM) | 15.07% | ||
| GM | 91.85% |
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%
2. Health
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.
- CASS has less shares outstanding than it did 1 year ago.
- CASS has less shares outstanding than it did 5 years ago.
- CASS has a better debt/assets ratio than last year.
2.2 Solvency
- CASS has an Altman-Z score of -0.63. This is a bad value and indicates that CASS is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of CASS (-0.63) is worse than 69.07% of its industry peers.
- CASS has a debt to FCF ratio of 14.01. This is a negative value and a sign of low solvency as CASS would need 14.01 years to pay back of all of its debts.
- CASS has a Debt to FCF ratio of 14.01. This is comparable to the rest of the industry: CASS outperforms 42.27% of its industry peers.
- A Debt/Equity ratio of 2.58 is on the high side and indicates that CASS has dependencies on debt financing.
- CASS has a Debt to Equity ratio of 2.58. This is in the lower half of the industry: CASS underperforms 74.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.58 | ||
| Debt/FCF | 14.01 | ||
| Altman-Z | -0.63 |
ROIC/WACC0.43
WACC6.99%
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 81.44% of the companies in the same industry.
- A Quick Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
- CASS has a worse Quick ratio (0.04) than 81.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 89.86% over the past year.
- The Earnings Per Share has been growing by 8.49% on average over the past years. This is quite good.
- CASS shows a decrease in Revenue. In the last year, the revenue decreased by -5.67%.
- Measured over the past years, CASS shows a small growth in Revenue. The Revenue has been growing by 6.97% on average per year.
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
- The Earnings Per Share is expected to grow by 14.20% on average over the next years. This is quite good.
- CASS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.85% yearly.
EPS Next Y12.9%
EPS Next 2Y14.2%
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 17.86 indicates a rather expensive valuation of CASS.
- CASS's Price/Earnings ratio is in line with the industry average.
- CASS is valuated rather cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 15.82, CASS is valued correctly.
- The rest of the industry has a similar Price/Forward Earnings ratio as CASS.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.20, CASS is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.86 | ||
| Fwd PE | 15.82 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CASS is valued a bit cheaper than the industry average as 74.23% of the companies are valued more expensively.
- CASS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CASS is cheaper than 69.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.66 | ||
| EV/EBITDA | 8.33 |
4.3 Compensation for Growth
- CASS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- CASS's earnings are expected to grow with 14.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.38
PEG (5Y)2.1
EPS Next 2Y14.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CASS has a Yearly Dividend Yield of 2.91%.
- Compared to an average industry Dividend Yield of 1.99, CASS pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, CASS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
5.2 History
- The dividend of CASS has a limited annual growth rate of 3.04%.
- 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)3.04%
Div Incr Years23
Div Non Decr Years28
5.3 Sustainability
- CASS pays out 52.58% of its income as dividend. This is a bit on the high side, but may be sustainable.
- CASS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP52.58%
EPS Next 2Y14.2%
EPS Next 3YN/A
46.79
+0.47 (+1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-22 2026-01-22/bmo
Earnings (Next)04-15 2026-04-15
Inst Owners63.39%
Inst Owner Change-4.34%
Ins Owners3.3%
Ins Owner Change2.34%
Market Cap612.01M
Revenue(TTM)207.42M
Net Income(TTM)31.52M
Analysts82.86
Price Target45.9 (-1.9%)
Short Float %1.9%
Short Ratio2.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
Yearly Dividend1.22
Dividend Growth(5Y)3.04%
DP52.58%
Div Incr Years23
Div Non Decr Years28
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.31%
Min EPS beat(2)-10.13%
Max EPS beat(2)-0.5%
EPS beat(4)1
Avg EPS beat(4)-7.31%
Min EPS beat(4)-26.47%
Max EPS beat(4)7.84%
EPS beat(8)2
Avg EPS beat(8)-14.74%
EPS beat(12)2
Avg EPS beat(12)-15.13%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-8.45%
Min Revenue beat(2)-14.65%
Max Revenue beat(2)-2.24%
Revenue beat(4)0
Avg Revenue beat(4)-7.18%
Min Revenue beat(4)-14.65%
Max Revenue beat(4)-0.2%
Revenue beat(8)2
Avg Revenue beat(8)-4.19%
Revenue beat(12)5
Avg Revenue beat(12)-2.94%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.86 | ||
| Fwd PE | 15.82 | ||
| P/S | 2.93 | ||
| P/FCF | 13.66 | ||
| P/OCF | 11.95 | ||
| P/B | 2.51 | ||
| P/tB | 2.74 | ||
| EV/EBITDA | 8.33 |
EPS(TTM)2.62
EY5.6%
EPS(NY)2.96
Fwd EY6.32%
FCF(TTM)3.42
FCFY7.32%
OCF(TTM)3.92
OCFY8.37%
SpS15.99
BVpS18.61
TBVpS17.07
PEG (NY)1.38
PEG (5Y)2.1
Graham Number33.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 12.95% | ||
| ROCE | 12.16% | ||
| ROIC | 3.02% | ||
| ROICexc | 4.22% | ||
| ROICexgc | 8.24% | ||
| OM | 16.52% | ||
| PM (TTM) | 15.07% | ||
| GM | 91.85% | ||
| FCFM | 21.42% |
ROA(3y)1.12%
ROA(5y)1.17%
ROE(3y)11.97%
ROE(5y)12.89%
ROIC(3y)2.85%
ROIC(5y)3.1%
ROICexc(3y)4.78%
ROICexc(5y)4.28%
ROICexgc(3y)11.68%
ROICexgc(5y)9.74%
ROCE(3y)12.41%
ROCE(5y)13.47%
ROICexgc growth 3Y9.8%
ROICexgc growth 5Y-4.67%
ROICexc growth 3Y9.32%
ROICexc growth 5Y-0.29%
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 Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.58 | ||
| Debt/FCF | 14.01 | ||
| Debt/EBITDA | 15.06 | ||
| Cap/Depr | 90.04% | ||
| Cap/Sales | 3.07% | ||
| Interest Coverage | 2.07 | ||
| Cash Conversion | 122.91% | ||
| Profit Quality | 142.1% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | -0.63 |
F-Score8
WACC6.99%
ROIC/WACC0.43
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)89.86%
EPS 3Y0.91%
EPS 5Y8.49%
EPS Q2Q%87.88%
EPS Next Y12.9%
EPS Next 2Y14.2%
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 1Y19.86%
EBIT growth 3Y-3.33%
EBIT growth 5Y5.05%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y197.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y83.68%
OCF growth 3YN/A
OCF growth 5YN/A
CASS INFORMATION SYSTEMS INC / CASS 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.
Can you provide the profitability details for CASS INFORMATION SYSTEMS INC?
CASS INFORMATION SYSTEMS INC (CASS) has a profitability rating of 5 / 10.
What is the financial health of CASS INFORMATION SYSTEMS INC (CASS) stock?
The financial health rating of CASS INFORMATION SYSTEMS INC (CASS) is 2 / 10.
How sustainable is the dividend of CASS INFORMATION SYSTEMS INC (CASS) stock?
The dividend rating of CASS INFORMATION SYSTEMS INC (CASS) is 7 / 10 and the dividend payout ratio is 52.58%.