46.76 USD
-0.03 (-0.06%)
At close: Feb 6, 2026
46.76 USD
0 (0%)
After Hours: 2/6/2026, 8:21:18 PM
Overall CASS gets a fundamental rating of 4 out of 10. We evaluated CASS against 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 is not valued too expensively and it also shows a decent growth rate. Finally 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.
- 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
- With a Return On Assets value of 1.28%, CASS perfoms like the industry average, outperforming 51.55% of the companies in the same industry.
- CASS's Return On Equity of 12.95% is fine compared to the rest of the industry. CASS outperforms 69.07% of its industry peers.
- The Return On Invested Capital of CASS (3.02%) 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 8.54%.
- 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
- CASS's Profit Margin of 15.07% is in line compared to the rest of the industry. CASS outperforms 58.76% 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 16.52%, CASS is in line with its industry, outperforming 56.70% of the companies in the same industry.
- CASS's Operating Margin has declined in the last couple of years.
- CASS has a Gross Margin of 91.85%. This is amongst the best in the industry. CASS outperforms 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CASS is destroying value.
- Compared to 1 year ago, CASS has less shares outstanding
- CASS has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for CASS has been reduced compared to a year ago.
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.
- With a Altman-Z score value of -0.63, CASS is not doing good in the industry: 69.07% of the companies in the same industry are doing better.
- 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.
- Looking at the Debt to FCF ratio, with a value of 14.01, CASS is in line with its industry, outperforming 42.27% 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 74.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.58 | ||
| Debt/FCF | 14.01 | ||
| Altman-Z | -0.63 |
ROIC/WACC0.44
WACC6.94%
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: 81.44% of the companies in the same industry are doing better.
- A Quick Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
- The Quick ratio of CASS (0.04) is worse 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.
- Measured over the past years, CASS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.49% on average per year.
- Looking at the last year, CASS shows a decrease in Revenue. The Revenue has decreased by -5.67% in the last year.
- The Revenue has been growing slightly by 6.97% on average over the past years.
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.
- Based on estimates for the next years, CASS will show a small growth in Revenue. The Revenue will grow by 5.85% on average per year.
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 17.85, 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 27.92.
- CASS is valuated correctly with a Price/Forward Earnings ratio of 15.81.
- CASS's Price/Forward Earnings ratio is in line with the industry average.
- CASS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.85 | ||
| Fwd PE | 15.81 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CASS indicates a somewhat cheap valuation: CASS is cheaper than 73.20% of the companies listed in the same industry.
- 68.04% 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 | 13.65 | ||
| EV/EBITDA | 8.48 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as CASS's earnings are expected to grow with 14.20% in the coming years.
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 2.74%.
- CASS's Dividend Yield is a higher than the industry average which is at 1.99.
- Compared to an average S&P500 Dividend Yield of 1.83, CASS pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
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.
- The dividend of CASS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP52.58%
EPS Next 2Y14.2%
EPS Next 3YN/A
46.76
-0.03 (-0.06%)
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 Cap611.62M
Revenue(TTM)207.42M
Net Income(TTM)31.52M
Analysts82.86
Price Target51 (9.07%)
Short Float %1.9%
Short Ratio2.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
Yearly Dividend1.22
Dividend Growth(5Y)3.04%
DP52.58%
Div Incr Years23
Div Non Decr Years28
Ex-Date03-03 2026-03-03 (0.32)
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 | 17.85 | ||
| Fwd PE | 15.81 | ||
| P/S | 2.92 | ||
| P/FCF | 13.65 | ||
| P/OCF | 11.94 | ||
| P/B | 2.51 | ||
| P/tB | 2.74 | ||
| EV/EBITDA | 8.48 |
EPS(TTM)2.62
EY5.6%
EPS(NY)2.96
Fwd EY6.33%
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
WACC6.94%
ROIC/WACC0.44
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%.