42.25 USD
+0.26 (+0.62%)
Overall CASS gets a fundamental rating of 4 out of 10. We evaluated CASS against 99 industry peers in the Financial Services industry. CASS has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
In the past year CASS had a positive cash flow from operations.
In the past 5 years CASS has always been profitable.
CASS had a positive operating cash flow in each of the past 5 years.
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's Return On Invested Capital of 3.02% is in line compared to the rest of the industry. CASS outperforms 52.53% of 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
CASS has a better Profit Margin (15.07%) than 60.61% 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 57.58% of its industry peers.
In the last couple of years the Operating Margin of CASS has declined.
With an excellent Gross Margin value of 91.85%, CASS belongs to the best of the industry, outperforming 92.93% 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.
Compared to 1 year ago, CASS has less shares outstanding
The number of shares outstanding for CASS has been reduced compared to 5 years ago.
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 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.
Looking at the Debt to FCF ratio, with a value of 14.01, CASS is in line with its industry, 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.
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 74.75% 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
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.
A Quick Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
With a Quick ratio value of 0.04, CASS is not doing good in the industry: 82.83% of the companies in the same industry are doing better.
| 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
The Earnings Per Share is expected to grow by 35.29% on average over the next years. This is a very strong growth
Based on estimates for the next years, CASS will show a small growth in Revenue. The Revenue will grow by 2.51% on average per year.
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 18.13, which indicates a rather expensive current valuation of CASS.
Compared to the rest of the industry, the Price/Earnings ratio of CASS is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.50, CASS is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 14.28, the valuation of CASS can be described as correct.
CASS's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.93, CASS is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.13 | ||
| Fwd PE | 14.28 |
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 84.85% 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 | 12.34 | ||
| EV/EBITDA | 6.97 |
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.
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.
CASS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| 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 been paying a dividend for at least 10 years, so it has 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)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%
NASDAQ:CASS (12/24/2025, 1:30:01 PM)
42.25
+0.26 (+0.62%)
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 Cap552.63M
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 | 18.13 | ||
| Fwd PE | 14.28 | ||
| P/S | 2.64 | ||
| P/FCF | 12.34 | ||
| P/OCF | 10.79 | ||
| P/B | 2.27 | ||
| P/tB | 2.48 | ||
| EV/EBITDA | 6.97 |
EPS(TTM)2.33
EY5.51%
EPS(NY)2.96
Fwd EY7%
FCF(TTM)3.42
FCFY8.11%
OCF(TTM)3.92
OCFY9.27%
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 18.13 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.