CASS INFORMATION SYSTEMS INC (CASS) Fundamental Analysis & Valuation

NASDAQ:CASS • US14808P1093

Current stock price

48.37 USD
+0.53 (+1.11%)
Last:

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

  • 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.
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 (1.35%) which is comparable to the rest of the industry.
  • 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.
  • The Return On Invested Capital of CASS (3.21%) is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for CASS is significantly below the industry average of 8.00%.
  • The 3 year average ROIC (2.75%) for CASS is below the current ROIC(3.21%), indicating increased profibility in the last year.
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

  • CASS has a better Profit Margin (16.93%) than 69.70% of its industry peers.
  • In the last couple of years the Profit Margin of CASS has remained more or less at the same level.
  • Looking at the Operating Margin, with a value of 18.69%, CASS is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CASS has declined.
  • Looking at the Gross Margin, with a value of 92.13%, CASS belongs to the top of the industry, outperforming 93.94% of the companies in the same industry.
  • CASS's Gross Margin has been stable in the last couple of years.
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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CASS is destroying value.
  • The number of shares outstanding for CASS has been reduced compared to 1 year ago.
  • The number of shares outstanding for CASS has been reduced compared to 5 years ago.
  • CASS has a better debt/assets ratio than last year.
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 -0.65. This is a bad value and indicates that CASS is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.65, CASS is doing worse than 71.72% of the companies in the same industry.
  • CASS has a debt to FCF ratio of 21.61. This is a negative value and a sign of low solvency as CASS would need 21.61 years to pay back of all of its debts.
  • CASS has a Debt to FCF ratio (21.61) which is in line with its industry peers.
  • A Debt/Equity ratio of 2.83 is on the high side and indicates that CASS has dependencies on debt financing.
  • The Debt to Equity ratio of CASS (2.83) is worse than 71.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.83
Debt/FCF 21.61
Altman-Z -0.65
ROIC/WACC0.56
WACC5.7%
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

  • A Current Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
  • CASS's Current ratio of 0.04 is on the low side compared to the rest of the industry. CASS is outperformed by 78.79% of its industry peers.
  • 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 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.
  • The Earnings Per Share has been growing by 8.49% on average over the past years. This is quite good.
  • The Revenue has decreased by -5.67% in the past year.
  • 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

  • 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.
  • The Revenue is expected to grow by 5.85% on average over the next years.
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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 18.46, CASS is valued on the expensive side.
  • CASS's Price/Earnings ratio is in line with the industry average.
  • CASS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.66.
  • A Price/Forward Earnings ratio of 16.88 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.
  • The average S&P500 Price/Forward Earnings ratio is at 38.00. CASS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 18.46
Fwd PE 16.88
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CASS indicates a rather cheap valuation: CASS is cheaper than 91.92% of the companies listed in the same industry.
  • CASS's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 19.65
EV/EBITDA 4.9
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.
  • A more expensive valuation may be justified as CASS's earnings are expected to grow with 16.73% in the coming years.
PEG (NY)1.96
PEG (5Y)2.17
EPS Next 2Y16.73%
EPS Next 3YN/A

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7

5. CASS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.68%, CASS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 1.82, CASS pays a bit more dividend than its industry peers.
  • CASS's Dividend Yield is a higher than the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.68%

5.2 History

  • The dividend of CASS has a limited annual growth rate of 2.97%.
  • CASS has paid a dividend for at least 10 years, which is a reliable track record.
  • CASS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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 (4/22/2026, 3:17:18 PM)

48.37

+0.53 (+1.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-17
Earnings (Next)07-15
Inst Owners59.96%
Inst Owner Change-0.01%
Ins Owners2.81%
Ins Owner Change2.35%
Market Cap624.46M
Revenue(TTM)207.43M
Net Income(TTM)35.12M
Analysts82.86
Price Target51 (5.44%)
Short Float %2.61%
Short Ratio3.96
Dividend
Industry RankSector Rank
Dividend Yield 2.68%
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 18.46
Fwd PE 16.88
P/S 3.01
P/FCF 19.65
P/OCF 16.68
P/B 2.57
P/tB 2.8
EV/EBITDA 4.9
EPS(TTM)2.62
EY5.42%
EPS(NY)2.87
Fwd EY5.93%
FCF(TTM)2.46
FCFY5.09%
OCF(TTM)2.9
OCFY6%
SpS16.07
BVpS18.82
TBVpS17.28
PEG (NY)1.96
PEG (5Y)2.17
Graham Number33.3104 (-31.13%)
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 -0.65
F-Score8
WACC5.7%
ROIC/WACC0.56
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.