CASS INFORMATION SYSTEMS INC (CASS) Fundamental Analysis & Valuation

NASDAQ:CASS • US14808P1093

Current stock price

43.94 USD
-0.22 (-0.5%)
At close:
43.94 USD
0 (0%)
After Hours:

This CASS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. CASS Profitability Analysis

1.1 Basic Checks

  • In the past year CASS was profitable.
  • In the past year CASS had a positive cash flow from operations.
  • In the past 5 years CASS has always been profitable.
  • Each year in the past 5 years CASS 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 (1.35%) which is in line with its industry peers.
  • CASS has a better Return On Equity (14.45%) than 76.00% of its industry peers.
  • CASS has a Return On Invested Capital (3.21%) which is in line with its industry peers.
  • CASS had an Average Return On Invested Capital over the past 3 years of 2.75%. This is significantly below the industry average of 8.07%.
  • The last Return On Invested Capital (3.21%) for CASS is above the 3 year average (2.75%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.35%
ROE 14.45%
ROIC 3.21%
ROA(3y)1.12%
ROA(5y)1.17%
ROE(3y)11.97%
ROE(5y)12.89%
ROIC(3y)2.75%
ROIC(5y)3.04%
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 better Profit Margin (16.93%) than 69.00% of its industry peers.
  • CASS's Profit Margin has been stable in the last couple of years.
  • CASS has a Operating Margin of 18.69%. This is in the better half of the industry: CASS outperforms 67.00% of its industry peers.
  • CASS's Operating Margin has declined in the last couple of years.
  • CASS has a Gross Margin of 92.13%. This is amongst the best in the industry. CASS outperforms 94.00% of its industry peers.
  • CASS's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 18.69%
PM (TTM) 16.93%
GM 92.13%
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

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2

2. CASS Health Analysis

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
  • Compared to 5 years ago, CASS has less shares outstanding
  • CASS has a better debt/assets ratio than last year.
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

  • Based on the Altman-Z score of -0.67, we must say that CASS is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.67, CASS is not doing good in the industry: 69.00% of the companies in the same industry are doing better.
  • CASS has a debt to FCF ratio of 21.61. This is a negative value and a sign of low solvency as CASS would need 21.61 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 21.61, CASS perfoms like the industry average, outperforming 46.00% of the companies in the same industry.
  • CASS has a Debt/Equity ratio of 2.83. This is a high value indicating a heavy dependency on external financing.
  • CASS's Debt to Equity ratio of 2.83 is on the low side compared to the rest of the industry. CASS is outperformed by 72.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.83
Debt/FCF 21.61
Altman-Z -0.67
ROIC/WACC0.55
WACC5.8%
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.
  • The Current ratio of CASS (0.04) is worse than 76.00% 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: 76.00% of the companies in the same industry are doing better.
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

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5

3. CASS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 89.86% over the past year.
  • The Earnings Per Share has been growing by 8.49% on average over the past years. This is quite good.
  • Looking at the last year, CASS shows a decrease in Revenue. The Revenue has decreased by -5.67% in the last year.
  • Measured over the past years, CASS shows a small growth in Revenue. The Revenue has been growing by 6.97% on average per year.
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 16.73% 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 Y9.4%
EPS Next 2Y16.73%
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.
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

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5

4. CASS Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 16.77, the valuation of CASS can be described as correct.
  • 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 25.61.
  • Based on the Price/Forward Earnings ratio of 15.33, the valuation of CASS can be described as correct.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CASS is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 22.79. CASS is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.77
Fwd PE 15.33
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

  • 96.00% of the companies in the same industry are more expensive than CASS, based on the Enterprise Value to EBITDA ratio.
  • CASS's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 17.85
EV/EBITDA 3.87
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.
  • The decent profitability rating of CASS may justify a higher PE ratio.
  • A more expensive valuation may be justified as CASS's earnings are expected to grow with 16.73% in the coming years.
PEG (NY)1.78
PEG (5Y)1.98
EPS Next 2Y16.73%
EPS Next 3YN/A

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

7

5. CASS Dividend Analysis

5.1 Amount

  • CASS has a Yearly Dividend Yield of 2.97%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.50, CASS pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, CASS pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.97%

5.2 History

  • The dividend of CASS has a limited annual growth rate of 2.97%.
  • CASS has paid a dividend for at least 10 years, which is 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)2.97%
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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • CASS pays out 47.02% 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.
DP47.02%
EPS Next 2Y16.73%
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

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CASS Fundamentals: All Metrics, Ratios and Statistics

CASS INFORMATION SYSTEMS INC

NASDAQ:CASS (3/25/2026, 4:30:02 PM)

After market: 43.94 0 (0%)

43.94

-0.22 (-0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-22
Earnings (Next)04-16
Inst Owners66.11%
Inst Owner Change-1.34%
Ins Owners3.51%
Ins Owner Change2.21%
Market Cap567.27M
Revenue(TTM)207.43M
Net Income(TTM)35.12M
Analysts82.86
Price Target51 (16.07%)
Short Float %1.9%
Short Ratio2.91
Dividend
Industry RankSector Rank
Dividend Yield 2.97%
Yearly Dividend1.25
Dividend Growth(5Y)2.97%
DP47.02%
Div Incr Years23
Div Non Decr Years28
Ex-Date03-03
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.76%
Min EPS beat(2)-5.02%
Max EPS beat(2)-0.5%
EPS beat(4)1
Avg EPS beat(4)-1.95%
Min EPS beat(4)-10.13%
Max EPS beat(4)7.84%
EPS beat(8)1
Avg EPS beat(8)-18.44%
EPS beat(12)2
Avg EPS beat(12)-14.93%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.82%
Min Revenue beat(2)-2.24%
Max Revenue beat(2)-1.39%
Revenue beat(4)0
Avg Revenue beat(4)-7.48%
Min Revenue beat(4)-14.65%
Max Revenue beat(4)-1.39%
Revenue beat(8)1
Avg Revenue beat(8)-4.72%
Revenue beat(12)4
Avg Revenue beat(12)-3.24%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)11.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.12%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 16.77
Fwd PE 15.33
P/S 2.73
P/FCF 17.85
P/OCF 15.15
P/B 2.33
P/tB 2.54
EV/EBITDA 3.87
EPS(TTM)2.62
EY5.96%
EPS(NY)2.87
Fwd EY6.52%
FCF(TTM)2.46
FCFY5.6%
OCF(TTM)2.9
OCFY6.6%
SpS16.07
BVpS18.82
TBVpS17.28
PEG (NY)1.78
PEG (5Y)1.98
Graham Number33.31
Profitability
Industry RankSector Rank
ROA 1.35%
ROE 14.45%
ROCE 14.01%
ROIC 3.21%
ROICexc 5.41%
ROICexgc 11.08%
OM 18.69%
PM (TTM) 16.93%
GM 92.13%
FCFM 15.32%
ROA(3y)1.12%
ROA(5y)1.17%
ROE(3y)11.97%
ROE(5y)12.89%
ROIC(3y)2.75%
ROIC(5y)3.04%
ROICexc(3y)4.61%
ROICexc(5y)4.18%
ROICexgc(3y)11.17%
ROICexgc(5y)9.43%
ROCE(3y)12.01%
ROCE(5y)13.23%
ROICexgc growth 3Y9.82%
ROICexgc growth 5Y-4.66%
ROICexc growth 3Y9.6%
ROICexc growth 5Y-0.14%
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 Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 2.83
Debt/FCF 21.61
Debt/EBITDA 14.94
Cap/Depr 78.64%
Cap/Sales 2.73%
Interest Coverage 2.37
Cash Conversion 81.45%
Profit Quality 90.48%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z -0.67
F-Score8
WACC5.8%
ROIC/WACC0.55
Cap/Depr(3y)174.24%
Cap/Depr(5y)146.43%
Cap/Sales(3y)4.93%
Cap/Sales(5y)4.15%
Profit Quality(3y)106.75%
Profit Quality(5y)111.36%
High Growth Momentum
Growth
EPS 1Y (TTM)89.86%
EPS 3Y0.91%
EPS 5Y8.49%
EPS Q2Q%87.88%
EPS Next Y9.4%
EPS Next 2Y16.73%
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 1Y60.04%
EBIT growth 3Y-3.33%
EBIT growth 5Y5.05%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y7.27%
FCF growth 3Y-11.44%
FCF growth 5Y-7.04%
OCF growth 1Y-3.88%
OCF growth 3Y-10.15%
OCF growth 5Y-4.76%

CASS INFORMATION SYSTEMS INC / CASS Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CASS INFORMATION SYSTEMS INC?

ChartMill assigns a fundamental rating of 5 / 10 to CASS.


What is the valuation status of CASS INFORMATION SYSTEMS INC (CASS) stock?

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 6 / 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 47.02%.