42 USD
+0.02 (+0.05%)
42 USD
0 (0%)
Taking everything into account, CASS scores 4 out of 10 in our fundamental rating. CASS was compared to 98 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 correct valuation and a medium growth rate. 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.
Each year in the past 5 years CASS had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.28%, CASS is in line with its industry, outperforming 51.02% of the companies in the same industry.
CASS has a better Return On Equity (12.95%) than 69.39% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.02%, CASS is in line with its industry, outperforming 51.02% of the companies in the same industry.
CASS had an Average Return On Invested Capital over the past 3 years of 3.13%. This is significantly below the industry average of 8.20%.
| 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
CASS's Profit Margin of 15.07% is fine compared to the rest of the industry. CASS outperforms 60.20% of its industry peers.
CASS's Profit Margin has declined in the last couple of years.
CASS has a Operating Margin of 16.52%. This is comparable to the rest of the industry: CASS outperforms 55.10% of its industry peers.
CASS's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 91.85%, CASS belongs to the top of the industry, outperforming 92.86% of the companies in the same industry.
CASS's Gross Margin has been stable in the last couple of years.
| 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.
CASS has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CASS has less shares outstanding
CASS has a worse debt/assets ratio than last year.
2.2 Solvency
CASS has an Altman-Z score of -0.65. This is a bad value and indicates that CASS is not financially healthy and even has some risk of bankruptcy.
CASS's Altman-Z score of -0.65 is on the low side compared to the rest of the industry. CASS is outperformed by 70.41% 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.
With a Debt to FCF ratio value of 14.01, CASS perfoms like the industry average, outperforming 43.88% of the companies in the same industry.
A Debt/Equity ratio of 2.58 is on the high side and indicates that CASS has dependencies on debt financing.
CASS's Debt to Equity ratio of 2.58 is on the low side compared to the rest of the industry. CASS is outperformed by 74.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.58 | ||
| Debt/FCF | 14.01 | ||
| Altman-Z | -0.65 |
ROIC/WACC0.58
WACC5.25%
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.
With a Current ratio value of 0.04, CASS is not doing good in the industry: 83.67% of the companies in the same industry are doing better.
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 83.67% of its industry peers.
| 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.
The Earnings Per Share has been decreasing by -7.64% on average over the past years.
CASS shows a decrease in Revenue. In the last year, the revenue decreased by -4.96%.
The Revenue has been growing slightly by 6.21% on average over the past years.
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.
The Revenue is expected to grow by 2.51% on average over the next years.
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
A Price/Earnings ratio of 18.03 indicates a rather expensive valuation of CASS.
CASS's Price/Earnings is on the same level as the industry average.
CASS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.31.
The Price/Forward Earnings ratio is 14.20, which indicates a correct valuation of CASS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CASS is on the same level as its industry peers.
CASS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.03 | ||
| Fwd PE | 14.2 |
4.2 Price Multiples
81.63% of the companies in the same industry are more expensive than CASS, based on the Enterprise Value to EBITDA ratio.
69.39% 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 | 12.4 | ||
| EV/EBITDA | 7.11 |
4.3 Compensation for Growth
CASS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CASS's earnings are expected to grow with 35.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y46.41%
EPS Next 3Y35.29%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.19%, CASS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.20, CASS pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, CASS pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
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
CASS pays out 52.58% 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.
DP52.58%
EPS Next 2Y46.41%
EPS Next 3Y35.29%
42
+0.02 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners62.88%
Inst Owner Change-27.47%
Ins Owners3.25%
Ins Owner Change0.43%
Market Cap555.24M
Revenue(TTM)209.10M
Net Income(TTM)31.52M
Analysts82.86
Price Target45.9 (9.29%)
Short Float %1.84%
Short Ratio2.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
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)-10%
PT rev (3m)-10%
EPS NQ rev (1m)-1.54%
EPS NQ rev (3m)-1.54%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.6%
Revenue NQ rev (3m)-0.6%
Revenue NY rev (1m)-0.52%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.03 | ||
| Fwd PE | 14.2 | ||
| P/S | 2.66 | ||
| P/FCF | 12.4 | ||
| P/OCF | 10.84 | ||
| P/B | 2.28 | ||
| P/tB | 2.49 | ||
| EV/EBITDA | 7.11 |
EPS(TTM)2.33
EY5.55%
EPS(NY)2.96
Fwd EY7.04%
FCF(TTM)3.39
FCFY8.07%
OCF(TTM)3.87
OCFY9.22%
SpS15.82
BVpS18.42
TBVpS16.89
PEG (NY)0.19
PEG (5Y)N/A
Graham Number31.07
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
WACC5.25%
ROIC/WACC0.58
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 18.03 and the Price/Book (PB) ratio is 2.28.
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.