CASS INFORMATION SYSTEMS INC (CASS) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:CASS • US14808P1093

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
Fundamental Rating

4

Taking everything into account, CASS scores 4 out of 10 in our fundamental rating. CASS was compared to 97 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.


Dividend Valuation Growth Profitability Health

5

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.
  • Of the past 5 years CASS 4 years had a positive operating cash flow.
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 of 1.28%. This is comparable to the rest of the industry: CASS outperforms 51.55% of its industry peers.
  • With a decent Return On Equity value of 12.95%, CASS is doing good in the industry, outperforming 69.07% of the companies in the same industry.
  • CASS has a Return On Invested Capital (3.02%) which is in line with its industry peers.
  • CASS had an Average Return On Invested Capital over the past 3 years of 2.85%. This is significantly below the industry average of 8.54%.
  • The 3 year average ROIC (2.85%) for CASS is below the current ROIC(3.02%), indicating increased profibility in the last year.
Industry RankSector 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%
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 Profit Margin (15.07%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of CASS has remained more or less at the same level.
  • The Operating Margin of CASS (16.52%) is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of CASS has declined.
  • CASS has a Gross Margin of 91.85%. This is amongst the best in the industry. CASS outperforms 92.78% of its industry peers.
  • CASS's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CASS is destroying value.
  • CASS has less shares outstanding than it did 1 year ago.
  • CASS has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CASS has an improved debt to assets ratio.
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 -0.63. This is a bad value and indicates that CASS is not financially healthy and even has some risk of bankruptcy.
  • CASS has a Altman-Z score of -0.63. This is in the lower half of the industry: CASS underperforms 69.07% 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.
  • CASS has a Debt to FCF ratio (14.01) which is in line with its industry peers.
  • CASS has a Debt/Equity ratio of 2.58. This is a high value indicating a heavy dependency on external 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 74.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.58
Debt/FCF 14.01
Altman-Z -0.63
ROIC/WACC0.44
WACC6.94%
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 has a Current ratio of 0.04. This is amonst the worse of the industry: CASS underperforms 81.44% of its industry peers.
  • A Quick Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
  • CASS's Quick ratio of 0.04 is on the low side compared to the rest of the industry. CASS is outperformed by 81.44% 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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • CASS shows a decrease in Revenue. In the last year, the revenue decreased by -5.67%.
  • CASS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.97% yearly.
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

  • Based on estimates for the next years, CASS will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.20% on average per year.
  • CASS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.85% yearly.
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

  • 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 stable.
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

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • CASS is valuated rather expensively with a Price/Earnings ratio of 17.85.
  • The rest of the industry has a similar Price/Earnings ratio as CASS.
  • CASS is valuated rather cheaply when we compare the Price/Earnings ratio to 27.92, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 15.81, CASS is valued correctly.
  • 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 27.78, CASS is valued a bit cheaper.
Industry RankSector Rank
PE 17.85
Fwd PE 15.81
CASS Price Earnings VS Forward Price EarningsCASS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CASS is valued a bit cheaper than 73.20% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CASS indicates a somewhat cheap valuation: CASS is cheaper than 68.04% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 13.65
EV/EBITDA 8.48
CASS Per share dataCASS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • CASS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • CASS's earnings are expected to grow with 14.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.38
PEG (5Y)2.1
EPS Next 2Y14.2%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • CASS has a Yearly Dividend Yield of 2.91%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 1.99, CASS pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, CASS pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.91%

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
CASS Yearly Dividends per shareCASS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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
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

More info and screens

Find the best dividend stocksShow peers with best dividend

CASS INFORMATION SYSTEMS INC

NASDAQ:CASS (2/6/2026, 8:21:18 PM)

After market: 46.76 0 (0%)

46.76

-0.03 (-0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-22
Earnings (Next)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 Target45.9 (-1.84%)
Short Float %1.9%
Short Ratio2.45
Dividend
Industry RankSector Rank
Dividend Yield 2.91%
Yearly Dividend1.22
Dividend Growth(5Y)3.04%
DP52.58%
Div Incr Years23
Div Non Decr Years28
Ex-DateN/A
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 RankSector 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 RankSector 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 RankSector 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%.