CASS INFORMATION SYSTEMS INC (CASS) Stock Fundamental Analysis
USA - NASDAQ:CASS - US14808P1093 - Common Stock
39.42 USD
+0.22 (+0.56%)
Taking everything into account, CASS scores 3 out of 10 in our fundamental rating. CASS was compared to 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 valuation in line with the averages, but on the other hand it scores bad on growth.
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.
CASS had positive earnings in each of the past 5 years.
In the past 5 years CASS always reported a positive cash flow from operatings.
1.2 Ratios
CASS's Return On Assets of 1.09% is in line compared to the rest of the industry. CASS outperforms 50.51% of its industry peers.
The Return On Equity of CASS (10.53%) is comparable to the rest of the industry.
CASS has a Return On Invested Capital (2.35%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for CASS is below the industry average of 7.79%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 10.53% | ||
| ROIC | 2.35% |
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 Profit Margin of 12.04%. This is comparable to the rest of the industry: CASS outperforms 57.58% of its industry peers.
CASS's Profit Margin has declined in the last couple of years.
The Operating Margin of CASS (12.61%) is comparable to the rest of the industry.
CASS's Operating Margin has declined in the last couple of years.
CASS has a better Gross Margin (91.43%) than 92.93% of its industry peers.
CASS's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.61% | ||
| PM (TTM) | 12.04% | ||
| GM | 91.43% |
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
CASS has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CASS is higher compared to a year ago.
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 69.70% of its industry peers.
The Debt to FCF ratio of CASS is 20.32, which is on the high side as it means it would take CASS, 20.32 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CASS (20.32) is comparable to the rest of the industry.
A Debt/Equity ratio of 2.63 is on the high side and indicates that CASS has dependencies on debt financing.
CASS has a worse Debt to Equity ratio (2.63) than 70.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.63 | ||
| Debt/FCF | 20.32 | ||
| Altman-Z | -0.65 |
ROIC/WACC0.46
WACC5.14%
2.3 Liquidity
A Current Ratio of 0.03 indicates that CASS may have some problems paying its short term obligations.
The Current ratio of CASS (0.03) is worse than 82.83% of its industry peers.
CASS has a Quick Ratio of 0.03. This is a bad value and indicates that CASS is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.03, CASS is doing worse than 82.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 |
3. Growth
3.1 Past
The earnings per share for CASS have decreased by -6.53% in the last year.
Measured over the past years, CASS shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.64% on average per year.
Looking at the last year, CASS shows a decrease in Revenue. The Revenue has decreased by -3.57% in the last year.
The Revenue has been growing slightly by 6.21% on average over the past years.
EPS 1Y (TTM)-6.53%
EPS 3Y-11.39%
EPS 5Y-7.64%
EPS Q2Q%106.25%
Revenue 1Y (TTM)-3.57%
Revenue growth 3Y12.32%
Revenue growth 5Y6.21%
Sales Q2Q%-8.63%
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 37.28% on average per year.
CASS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.99% yearly.
EPS Next Y94.39%
EPS Next 2Y50.14%
EPS Next 3Y37.28%
EPS Next 5YN/A
Revenue Next Year-3.35%
Revenue Next 2Y2.08%
Revenue Next 3Y2.99%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 21.19, 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.
The average S&P500 Price/Earnings ratio is at 26.76. CASS is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 12.67, the valuation of CASS can be described as correct.
CASS's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.63. CASS is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.19 | ||
| Fwd PE | 12.67 |
4.2 Price Multiples
CASS's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, CASS is valued a bit cheaper than 63.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.72 | ||
| EV/EBITDA | 15.33 |
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 37.28% in the coming years.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y50.14%
EPS Next 3Y37.28%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.14%, CASS has a reasonable but not impressive dividend return.
CASS's Dividend Yield is a higher than the industry average which is at 5.10.
Compared to an average S&P500 Dividend Yield of 2.31, CASS pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
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
65.41% of the earnings are spent on dividend by CASS. This is not a sustainable payout ratio.
CASS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP65.41%
EPS Next 2Y50.14%
EPS Next 3Y37.28%
NASDAQ:CASS (10/30/2025, 2:23:42 PM)
39.42
+0.22 (+0.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners62.88%
Inst Owner Change2.46%
Ins Owners3.25%
Ins Owner Change0.43%
Market Cap521.13M
Revenue(TTM)210.66M
Net Income(TTM)25.35M
Analysts82.86
Price Target51 (29.38%)
Short Float %1.45%
Short Ratio2.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
Yearly Dividend1.22
Dividend Growth(5Y)3.04%
DP65.41%
Div Incr Years23
Div Non Decr Years28
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.14%
Min EPS beat(2)-10.13%
Max EPS beat(2)7.84%
EPS beat(4)1
Avg EPS beat(4)-21.9%
Min EPS beat(4)-58.82%
Max EPS beat(4)7.84%
EPS beat(8)2
Avg EPS beat(8)-15.14%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-13.15%
Min Revenue beat(2)-14.65%
Max Revenue beat(2)-11.64%
Revenue beat(4)1
Avg Revenue beat(4)-6.34%
Min Revenue beat(4)-14.65%
Max Revenue beat(4)1.14%
Revenue beat(8)3
Avg Revenue beat(8)-3.86%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
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)-2.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.19 | ||
| Fwd PE | 12.67 | ||
| P/S | 2.47 | ||
| P/FCF | 16.72 | ||
| P/OCF | 13.46 | ||
| P/B | 2.16 | ||
| P/tB | 2.37 | ||
| EV/EBITDA | 15.33 |
EPS(TTM)1.86
EY4.72%
EPS(NY)3.11
Fwd EY7.89%
FCF(TTM)2.36
FCFY5.98%
OCF(TTM)2.93
OCFY7.43%
SpS15.93
BVpS18.22
TBVpS16.67
PEG (NY)0.22
PEG (5Y)N/A
Graham Number27.61
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 10.53% | ||
| ROCE | 9.82% | ||
| ROIC | 2.35% | ||
| ROICexc | 2.36% | ||
| ROICexgc | 3.54% | ||
| OM | 12.61% | ||
| PM (TTM) | 12.04% | ||
| GM | 91.43% | ||
| FCFM | 14.79% |
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-Score6
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.63 | ||
| Debt/FCF | 20.32 | ||
| Debt/EBITDA | 18.91 | ||
| Cap/Depr | 109.24% | ||
| Cap/Sales | 3.58% | ||
| Interest Coverage | 1.47 | ||
| Cash Conversion | 115.62% | ||
| Profit Quality | 122.91% | ||
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 | ||
| Altman-Z | -0.65 |
F-Score6
WACC5.14%
ROIC/WACC0.46
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)-6.53%
EPS 3Y-11.39%
EPS 5Y-7.64%
EPS Q2Q%106.25%
EPS Next Y94.39%
EPS Next 2Y50.14%
EPS Next 3Y37.28%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.57%
Revenue growth 3Y12.32%
Revenue growth 5Y6.21%
Sales Q2Q%-8.63%
Revenue Next Year-3.35%
Revenue Next 2Y2.08%
Revenue Next 3Y2.99%
Revenue Next 5YN/A
EBIT growth 1Y-22.58%
EBIT growth 3Y-10.52%
EBIT growth 5Y-8.37%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y8.77%
FCF growth 3Y-0.62%
FCF growth 5Y-5.55%
OCF growth 1Y3.16%
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 3 / 10 to CASS.
Can you provide the valuation status for CASS INFORMATION SYSTEMS INC?
ChartMill assigns a valuation rating of 5 / 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 4 / 10.
Can you provide the PE and PB ratios for CASS stock?
The Price/Earnings (PE) ratio for CASS INFORMATION SYSTEMS INC (CASS) is 21.19 and the Price/Book (PB) ratio is 2.16.
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.