42.3 USD
+0.05 (+0.12%)
42.3 USD
0 (0%)
CASS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 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. CASS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CASS was profitable.
In the past year CASS had a positive cash flow from operations.
In the past 5 years CASS has always been profitable.
In the past 5 years CASS always reported a positive cash flow from operatings.
1.2 Ratios
CASS has a Return On Assets of 1.28%. This is comparable to the rest of the industry: CASS outperforms 51.52% of its industry peers.
With a decent Return On Equity value of 12.95%, CASS is doing good in the industry, outperforming 69.70% of the companies in the same industry.
CASS has a Return On Invested Capital (3.02%) which is in line with its industry peers.
CASS had an Average Return On Invested Capital over the past 3 years of 3.13%. This is significantly below the industry average of 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 12.95% | ||
| ROIC | 3.02% |
ROA(3y)1.12%
ROA(5y)1.13%
ROE(3y)12.79%
ROE(5y)11.93%
ROIC(3y)3.13%
ROIC(5y)3.02%
1.3 Margins
With a decent Profit Margin value of 15.07%, CASS is doing good in the industry, outperforming 60.61% of the companies in the same industry.
CASS's Profit Margin has declined in the last couple of years.
The Operating Margin of CASS (16.52%) is comparable to the rest of the industry.
CASS's Operating Margin has declined in the last couple of years.
CASS has a better Gross Margin (91.85%) than 92.93% 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-20.33%
OM growth 5Y-13.73%
PM growth 3Y-22.08%
PM growth 5Y-14.14%
GM growth 3Y-2.92%
GM growth 5Y-1.28%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CASS is destroying value.
Compared to 1 year ago, CASS has less shares outstanding
Compared to 5 years ago, CASS has less shares outstanding
The debt/assets ratio for CASS is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.65, we must say that CASS is in the distress zone and has some risk of bankruptcy.
CASS has a worse Altman-Z score (-0.65) than 68.69% of its industry peers.
The Debt to FCF ratio of CASS is 14.01, which is on the high side as it means it would take CASS, 14.01 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 14.01, CASS perfoms like the industry average, outperforming 42.42% of the companies in the same industry.
CASS has a Debt/Equity ratio of 2.58. This is a high value indicating a heavy dependency on external financing.
CASS has a worse Debt to Equity ratio (2.58) than 74.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.58 | ||
| Debt/FCF | 14.01 | ||
| Altman-Z | -0.65 |
ROIC/WACC0.57
WACC5.31%
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.
CASS has a worse Current ratio (0.04) than 82.83% of its industry peers.
A Quick Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.04, CASS is doing worse than 82.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
CASS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.36%, which is quite impressive.
CASS shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.64% yearly.
The Revenue has decreased by -4.96% in the past year.
CASS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.21% yearly.
EPS 1Y (TTM)40.36%
EPS 3Y-11.39%
EPS 5Y-7.64%
EPS Q2Q%223.81%
Revenue 1Y (TTM)-4.96%
Revenue growth 3Y12.32%
Revenue growth 5Y6.21%
Sales Q2Q%-0.98%
3.2 Future
Based on estimates for the next years, CASS will show a very strong growth in Earnings Per Share. The EPS will grow by 35.29% on average per year.
CASS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.51% yearly.
EPS Next Y94.39%
EPS Next 2Y46.41%
EPS Next 3Y35.29%
EPS Next 5YN/A
Revenue Next Year-3.85%
Revenue Next 2Y1.58%
Revenue Next 3Y2.51%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 18.15, the valuation of CASS can be described as rather expensive.
The rest of the industry has a similar Price/Earnings ratio as CASS.
CASS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.59.
Based on the Price/Forward Earnings ratio of 14.30, the valuation of CASS can be described as correct.
CASS's Price/Forward Earnings ratio is in line with the industry average.
CASS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.15 | ||
| Fwd PE | 14.3 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CASS indicates a rather cheap valuation: CASS is cheaper than 83.84% of the companies listed in the same industry.
70.71% of the companies in the same industry are more expensive than CASS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.35 | ||
| EV/EBITDA | 7.06 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CASS's earnings are expected to grow with 35.29% in the coming years.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y46.41%
EPS Next 3Y35.29%
5. Dividend
5.1 Amount
CASS has a Yearly Dividend Yield of 2.88%.
Compared to an average industry Dividend Yield of 2.43, CASS pays a bit more dividend than its industry peers.
CASS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
5.2 History
The dividend of CASS has a limited annual growth rate of 3.04%.
CASS has paid a dividend for at least 10 years, which is 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
52.58% of the earnings are spent on dividend by CASS. 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 2Y46.41%
EPS Next 3Y35.29%
42.3
+0.05 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners63.58%
Inst Owner Change-27.47%
Ins Owners3.28%
Ins Owner Change0.43%
Market Cap553.28M
Revenue(TTM)209.10M
Net Income(TTM)31.52M
Analysts82.86
Price TargetN/A
Short Float %2.14%
Short Ratio2.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
Yearly Dividend1.22
Dividend Growth(5Y)3.04%
DP52.58%
Div Incr Years23
Div Non Decr Years28
Ex-Date
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)-10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.54%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.15 | ||
| Fwd PE | 14.3 | ||
| P/S | 2.65 | ||
| P/FCF | 12.35 | ||
| P/OCF | 10.8 | ||
| P/B | 2.27 | ||
| P/tB | 2.48 | ||
| EV/EBITDA | 7.06 |
EPS(TTM)2.33
EY5.51%
EPS(NY)2.96
Fwd EY6.99%
FCF(TTM)3.42
FCFY8.1%
OCF(TTM)3.92
OCFY9.26%
SpS15.99
BVpS18.61
TBVpS17.07
PEG (NY)0.19
PEG (5Y)N/A
Graham Number31.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 12.95% | ||
| ROCE | 12.16% | ||
| ROIC | 3.02% | ||
| ROICexc | 4.22% | ||
| ROICexgc | 8.25% | ||
| OM | 16.52% | ||
| PM (TTM) | 15.07% | ||
| GM | 91.85% | ||
| FCFM | 21.42% |
ROA(3y)1.12%
ROA(5y)1.13%
ROE(3y)12.79%
ROE(5y)11.93%
ROIC(3y)3.13%
ROIC(5y)3.02%
ROICexc(3y)4.36%
ROICexc(5y)4.3%
ROICexgc(3y)10.79%
ROICexgc(5y)10.35%
ROCE(3y)13.81%
ROCE(5y)12.66%
ROICexgc growth 3Y8.48%
ROICexgc growth 5Y-16.24%
ROICexc growth 3Y0.56%
ROICexc growth 5Y-11.64%
OM growth 3Y-20.33%
OM growth 5Y-13.73%
PM growth 3Y-22.08%
PM growth 5Y-14.14%
GM growth 3Y-2.92%
GM growth 5Y-1.28%
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 | -0.65 |
F-Score8
WACC5.31%
ROIC/WACC0.57
Cap/Depr(3y)189.66%
Cap/Depr(5y)134.25%
Cap/Sales(3y)4.7%
Cap/Sales(5y)3.65%
Profit Quality(3y)120.27%
Profit Quality(5y)129.6%
High Growth Momentum
Growth
EPS 1Y (TTM)40.36%
EPS 3Y-11.39%
EPS 5Y-7.64%
EPS Q2Q%223.81%
EPS Next Y94.39%
EPS Next 2Y46.41%
EPS Next 3Y35.29%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.96%
Revenue growth 3Y12.32%
Revenue growth 5Y6.21%
Sales Q2Q%-0.98%
Revenue Next Year-3.85%
Revenue Next 2Y1.58%
Revenue Next 3Y2.51%
Revenue Next 5YN/A
EBIT growth 1Y19.86%
EBIT growth 3Y-10.52%
EBIT growth 5Y-8.37%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y53.29%
FCF growth 3Y-0.62%
FCF growth 5Y-5.55%
OCF growth 1Y27.47%
OCF growth 3Y4.08%
OCF growth 5Y-1.56%
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.
Can you provide the valuation status for CASS INFORMATION SYSTEMS INC?
ChartMill assigns a valuation rating of 6 / 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.
Can you provide the PE and PB ratios for CASS stock?
The Price/Earnings (PE) ratio for CASS INFORMATION SYSTEMS INC (CASS) is 18.15 and the Price/Book (PB) ratio is 2.27.
Can you provide the expected EPS growth for CASS stock?
The Earnings per Share (EPS) of CASS INFORMATION SYSTEMS INC (CASS) is expected to grow by 94.39% in the next year.