42.36 USD
-0.96 (-2.22%)
42.36 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CASS. CASS was compared to 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 correct valuation and a medium growth rate. 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.
In the past 5 years CASS always reported a positive cash flow from operatings.
1.2 Ratios
CASS's Return On Assets of 1.28% is in line compared to the rest of the industry. CASS outperforms 51.52% of its industry peers.
CASS's Return On Equity of 12.95% is fine compared to the rest of the industry. CASS outperforms 69.70% of its industry peers.
CASS has a Return On Invested Capital (3.02%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CASS 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
Looking at the Profit Margin, with a value of 15.07%, CASS is in the better half of the industry, outperforming 60.61% of the companies in the same industry.
CASS's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 16.52%, CASS is in line with its industry, outperforming 57.58% of the companies in the same industry.
CASS's Operating Margin has declined in the last couple of years.
CASS's Gross Margin of 91.85% is amongst the best of the industry. CASS outperforms 92.93% of its industry peers.
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
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's Altman-Z score of -0.65 is on the low side compared to the rest of the industry. CASS is outperformed by 68.69% 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 42.42% 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.
With a Debt to Equity ratio value of 2.58, CASS is not doing good in the industry: 74.75% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.58 | ||
| Debt/FCF | 14.01 | ||
| Altman-Z | -0.65 |
ROIC/WACC0.57
WACC5.32%
2.3 Liquidity
A Current Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
CASS has a worse Current ratio (0.04) than 82.83% of its industry peers.
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 82.83% 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%.
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
The Earnings Per Share is expected to grow by 35.29% on average over the next years. This is a very strong growth
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
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 18.18, which indicates a rather expensive current valuation of CASS.
CASS's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.61. CASS is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 14.32, CASS is valued correctly.
The rest of the industry has a similar Price/Forward Earnings ratio as CASS.
CASS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.01.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.18 | ||
| Fwd PE | 14.32 |
4.2 Price Multiples
CASS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CASS is cheaper than 83.84% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, CASS is valued a bit cheaper than the industry average as 70.71% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.37 | ||
| EV/EBITDA | 7.09 |
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
With a Yearly Dividend Yield of 2.88%, CASS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.43, CASS pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, CASS pays a better dividend.
| 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
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%
42.36
-0.96 (-2.22%)
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 Cap554.07M
Revenue(TTM)209.10M
Net Income(TTM)31.52M
Analysts82.86
Price Target45.9 (8.36%)
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 | 18.18 | ||
| Fwd PE | 14.32 | ||
| P/S | 2.65 | ||
| P/FCF | 12.37 | ||
| P/OCF | 10.82 | ||
| P/B | 2.28 | ||
| P/tB | 2.48 | ||
| EV/EBITDA | 7.09 |
EPS(TTM)2.33
EY5.5%
EPS(NY)2.96
Fwd EY6.98%
FCF(TTM)3.42
FCFY8.08%
OCF(TTM)3.92
OCFY9.24%
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
WACC5.32%
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 18.18 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.