45.93 USD
-0.46 (-0.99%)
Last: Feb 3, 2026, 01:27 PM
CASS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. While CASS is still in line with the averages on profitability rating, there are concerns on its financial health. CASS is not valued too expensively and it also shows a decent growth rate. 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.
- CASS had positive earnings in each of the past 5 years.
- CASS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- CASS has a Return On Assets (1.28%) which is comparable to the rest of the industry.
- CASS has a better Return On Equity (12.95%) than 69.07% of its industry peers.
- With a Return On Invested Capital value of 3.02%, CASS perfoms like the industry average, outperforming 50.52% of the companies in the same industry.
- CASS had an Average Return On Invested Capital over the past 3 years of 2.85%. This is significantly below the industry average of 8.50%.
- The 3 year average ROIC (2.85%) for CASS is below the current ROIC(3.02%), indicating increased profibility in the last year.
| 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 59.79% of its industry peers.
- CASS's Profit Margin has been stable in the last couple of years.
- With a Operating Margin value of 16.52%, CASS perfoms like the industry average, outperforming 56.70% of the companies in the same industry.
- CASS's Operating Margin has declined in the last couple of years.
- The Gross Margin of CASS (91.85%) is better than 92.78% 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-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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CASS is destroying value.
- The number of shares outstanding for CASS has been reduced compared to 1 year ago.
- Compared to 5 years ago, CASS has less shares outstanding
- CASS has a better debt/assets ratio than last year.
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 worse Altman-Z score (-0.63) than 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.
- 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.
- The Debt to Equity ratio of CASS (2.58) is worse than 74.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.58 | ||
| Debt/FCF | 14.01 | ||
| Altman-Z | -0.63 |
ROIC/WACC0.43
WACC6.99%
2.3 Liquidity
- A Current Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
- The Current ratio of CASS (0.04) is worse than 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 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 89.86%, which is quite impressive.
- CASS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.49% yearly.
- 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
- CASS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.20% yearly.
- 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.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 17.53, CASS is valued on the expensive side.
- The rest of the industry has a similar Price/Earnings ratio as CASS.
- The average S&P500 Price/Earnings ratio is at 28.41. CASS is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 15.53, which indicates a correct valuation of CASS.
- 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 25.64, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.53 | ||
| Fwd PE | 15.53 |
4.2 Price Multiples
- 74.23% of the companies in the same industry are more expensive than CASS, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, CASS is valued a bit cheaper than 68.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.41 | ||
| EV/EBITDA | 8.35 |
4.3 Compensation for Growth
- CASS's 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)1.36
PEG (5Y)2.07
EPS Next 2Y14.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.91%, CASS has a reasonable but not impressive dividend return.
- 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 better dividend.
| Industry Rank | Sector 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 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
- 52.58% of the earnings are spent on dividend by CASS. This is a bit on the high side, but may be sustainable.
- CASS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP52.58%
EPS Next 2Y14.2%
EPS Next 3YN/A
NASDAQ:CASS (2/3/2026, 1:27:00 PM)
45.93
-0.46 (-0.99%)
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 Cap600.76M
Revenue(TTM)207.42M
Net Income(TTM)31.52M
Analysts82.86
Price Target45.9 (-0.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.53 | ||
| Fwd PE | 15.53 | ||
| P/S | 2.87 | ||
| P/FCF | 13.41 | ||
| P/OCF | 11.73 | ||
| P/B | 2.47 | ||
| P/tB | 2.69 | ||
| EV/EBITDA | 8.35 |
EPS(TTM)2.62
EY5.7%
EPS(NY)2.96
Fwd EY6.44%
FCF(TTM)3.42
FCFY7.46%
OCF(TTM)3.92
OCFY8.53%
SpS15.99
BVpS18.61
TBVpS17.07
PEG (NY)1.36
PEG (5Y)2.07
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
WACC6.99%
ROIC/WACC0.43
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%.