CSG SYSTEMS INTL INC (CSGS) Stock Fundamental Analysis

NASDAQ:CSGS • US1263491094

79.69 USD
0 (0%)
At close: Feb 18, 2026
79.69 USD
0 (0%)
After Hours: 2/18/2026, 8:23:14 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

CSGS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 87 industry peers in the IT Services industry. Both the profitability and the financial health of CSGS get a neutral evaluation. Nothing too spectacular is happening here. CSGS has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • CSGS had positive earnings in the past year.
  • CSGS had a positive operating cash flow in the past year.
  • In the past 5 years CSGS has always been profitable.
  • In the past 5 years CSGS always reported a positive cash flow from operatings.
CSGS Yearly Net Income VS EBIT VS OCF VS FCFCSGS 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 50M 100M 150M

1.2 Ratios

  • CSGS's Return On Assets of 3.62% is fine compared to the rest of the industry. CSGS outperforms 63.22% of its industry peers.
  • The Return On Equity of CSGS (19.70%) is better than 83.91% of its industry peers.
  • With an excellent Return On Invested Capital value of 10.77%, CSGS belongs to the best of the industry, outperforming 80.46% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for CSGS is in line with the industry average of 10.62%.
Industry RankSector Rank
ROA 3.62%
ROE 19.7%
ROIC 10.77%
ROA(3y)4.67%
ROA(5y)4.5%
ROE(3y)24.89%
ROE(5y)20.73%
ROIC(3y)11.06%
ROIC(5y)11.34%
CSGS Yearly ROA, ROE, ROICCSGS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • With a decent Profit Margin value of 4.57%, CSGS is doing good in the industry, outperforming 63.22% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CSGS has declined.
  • CSGS's Operating Margin of 11.33% is fine compared to the rest of the industry. CSGS outperforms 74.71% of its industry peers.
  • CSGS's Operating Margin has been stable in the last couple of years.
  • CSGS has a better Gross Margin (45.76%) than 68.97% of its industry peers.
  • CSGS's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 11.33%
PM (TTM) 4.57%
GM 45.76%
OM growth 3Y-0.44%
OM growth 5Y0.23%
PM growth 3Y4.12%
PM growth 5Y-5.07%
GM growth 3Y-9.38%
GM growth 5Y-4.85%
CSGS Yearly Profit, Operating, Gross MarginsCSGS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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5

2. Health

2.1 Basic Checks

  • CSGS has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • The number of shares outstanding for CSGS has been reduced compared to 1 year ago.
  • The number of shares outstanding for CSGS has been reduced compared to 5 years ago.
  • The debt/assets ratio for CSGS has been reduced compared to a year ago.
CSGS Yearly Shares OutstandingCSGS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
CSGS Yearly Total Debt VS Total AssetsCSGS 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

2.2 Solvency

  • CSGS has an Altman-Z score of 3.33. This indicates that CSGS is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 3.33, CSGS is in the better half of the industry, outperforming 62.07% of the companies in the same industry.
  • CSGS has a debt to FCF ratio of 3.82. This is a good value and a sign of high solvency as CSGS would need 3.82 years to pay back of all of its debts.
  • CSGS has a Debt to FCF ratio (3.82) which is comparable to the rest of the industry.
  • CSGS has a Debt/Equity ratio of 1.90. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 1.90, CSGS is doing worse than 74.71% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.9
Debt/FCF 3.82
Altman-Z 3.33
ROIC/WACC1.2
WACC8.99%
CSGS Yearly LT Debt VS Equity VS FCFCSGS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

  • CSGS has a Current Ratio of 1.44. This is a normal value and indicates that CSGS is financially healthy and should not expect problems in meeting its short term obligations.
  • With a Current ratio value of 1.44, CSGS perfoms like the industry average, outperforming 40.23% of the companies in the same industry.
  • CSGS has a Quick Ratio of 1.44. This is a normal value and indicates that CSGS is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.44, CSGS is in line with its industry, outperforming 41.38% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.44
Quick Ratio 1.44
CSGS Yearly Current Assets VS Current LiabilitesCSGS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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

4

3. Growth

3.1 Past

  • CSGS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.44%, which is quite good.
  • The Earnings Per Share has been growing by 10.50% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 2.18% in the past year.
  • CSGS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.31% yearly.
EPS 1Y (TTM)8.44%
EPS 3Y12.6%
EPS 5Y10.5%
EPS Q2Q%-7.27%
Revenue 1Y (TTM)2.18%
Revenue growth 3Y3.93%
Revenue growth 5Y4.31%
Sales Q2Q%2.03%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.87% on average over the next years. This is quite good.
  • CSGS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.70% yearly.
EPS Next Y1.77%
EPS Next 2Y4.19%
EPS Next 3Y8.35%
EPS Next 5Y8.87%
Revenue Next Year4.71%
Revenue Next 2Y2.64%
Revenue Next 3Y0.96%
Revenue Next 5Y1.7%

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 stable.
  • 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.
CSGS Yearly Revenue VS EstimatesCSGS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 200M 400M 600M 800M 1B
CSGS Yearly EPS VS EstimatesCSGS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.50, the valuation of CSGS can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of CSGS indicates a somewhat cheap valuation: CSGS is cheaper than 71.26% of the companies listed in the same industry.
  • CSGS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.27.
  • CSGS is valuated correctly with a Price/Forward Earnings ratio of 15.23.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CSGS indicates a somewhat cheap valuation: CSGS is cheaper than 63.22% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of CSGS to the average of the S&P500 Index (28.16), we can say CSGS is valued slightly cheaper.
Industry RankSector Rank
PE 15.5
Fwd PE 15.23
CSGS Price Earnings VS Forward Price EarningsCSGS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • CSGS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CSGS is cheaper than 72.41% of the companies in the same industry.
  • CSGS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CSGS is cheaper than 65.52% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.99
EV/EBITDA 12.42
CSGS Per share dataCSGS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • The decent profitability rating of CSGS may justify a higher PE ratio.
PEG (NY)8.77
PEG (5Y)1.48
EPS Next 2Y4.19%
EPS Next 3Y8.35%

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

5

5. Dividend

5.1 Amount

  • CSGS has a Yearly Dividend Yield of 1.71%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 0.54, CSGS pays a better dividend. On top of this CSGS pays more dividend than 85.06% of the companies listed in the same industry.
  • CSGS's Dividend Yield is comparable with the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 1.71%

5.2 History

  • On average, the dividend of CSGS grows each year by 6.63%, which is quite nice.
  • CSGS has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CSGS has decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.63%
Div Incr Years2
Div Non Decr Years2
CSGS Yearly Dividends per shareCSGS 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

  • CSGS pays out 66.92% of its income as dividend. This is not a sustainable payout ratio.
  • CSGS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP66.92%
EPS Next 2Y4.19%
EPS Next 3Y8.35%
CSGS Yearly Income VS Free CF VS DividendCSGS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
CSGS Dividend Payout.CSGS Dividend Payout, showing the Payout Ratio.CSGS Dividend Payout.PayoutRetained Earnings

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CSG SYSTEMS INTL INC

NASDAQ:CSGS (2/18/2026, 8:23:14 PM)

After market: 79.69 0 (0%)

79.69

0 (0%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)02-04
Earnings (Next)05-05
Inst Owners106.28%
Inst Owner Change-5.07%
Ins Owners3.92%
Ins Owner Change2.56%
Market Cap2.26B
Revenue(TTM)1.22B
Net Income(TTM)55.88M
Analysts51.67
Price Target82.31 (3.29%)
Short Float %12.24%
Short Ratio7.12
Dividend
Industry RankSector Rank
Dividend Yield 1.71%
Yearly Dividend1.31
Dividend Growth(5Y)6.63%
DP66.92%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.23%
Min EPS beat(2)11.96%
Max EPS beat(2)12.5%
EPS beat(4)4
Avg EPS beat(4)10.7%
Min EPS beat(4)8.57%
Max EPS beat(4)12.5%
EPS beat(8)7
Avg EPS beat(8)11.35%
EPS beat(12)11
Avg EPS beat(12)10.36%
EPS beat(16)13
Avg EPS beat(16)8.34%
Revenue beat(2)0
Avg Revenue beat(2)-0.86%
Min Revenue beat(2)-1.47%
Max Revenue beat(2)-0.26%
Revenue beat(4)1
Avg Revenue beat(4)-0.35%
Min Revenue beat(4)-1.47%
Max Revenue beat(4)0.43%
Revenue beat(8)2
Avg Revenue beat(8)-1.02%
Revenue beat(12)3
Avg Revenue beat(12)-1.61%
Revenue beat(16)7
Avg Revenue beat(16)-0.12%
PT rev (1m)0%
PT rev (3m)4.42%
EPS NQ rev (1m)0.28%
EPS NQ rev (3m)0.28%
EPS NY rev (1m)0%
EPS NY rev (3m)0.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 15.5
Fwd PE 15.23
P/S 1.85
P/FCF 15.99
P/OCF 14.5
P/B 7.97
P/tB N/A
EV/EBITDA 12.42
EPS(TTM)5.14
EY6.45%
EPS(NY)5.23
Fwd EY6.56%
FCF(TTM)4.98
FCFY6.25%
OCF(TTM)5.5
OCFY6.9%
SpS43.12
BVpS10
TBVpS-5.67
PEG (NY)8.77
PEG (5Y)1.48
Graham Number34.01
Profitability
Industry RankSector Rank
ROA 3.62%
ROE 19.7%
ROCE 15.5%
ROIC 10.77%
ROICexc 13.49%
ROICexgc 35.77%
OM 11.33%
PM (TTM) 4.57%
GM 45.76%
FCFM 11.56%
ROA(3y)4.67%
ROA(5y)4.5%
ROE(3y)24.89%
ROE(5y)20.73%
ROIC(3y)11.06%
ROIC(5y)11.34%
ROICexc(3y)13.79%
ROICexc(5y)14.78%
ROICexgc(3y)35.06%
ROICexgc(5y)540.77%
ROCE(3y)15.91%
ROCE(5y)16.32%
ROICexgc growth 3Y0.14%
ROICexgc growth 5Y3.94%
ROICexc growth 3Y1.35%
ROICexc growth 5Y2.79%
OM growth 3Y-0.44%
OM growth 5Y0.23%
PM growth 3Y4.12%
PM growth 5Y-5.07%
GM growth 3Y-9.38%
GM growth 5Y-4.85%
F-Score5
Asset Turnover0.79
Health
Industry RankSector Rank
Debt/Equity 1.9
Debt/FCF 3.82
Debt/EBITDA 2.56
Cap/Depr 20.08%
Cap/Sales 1.19%
Interest Coverage 5.46
Cash Conversion 73.9%
Profit Quality 253.02%
Current Ratio 1.44
Quick Ratio 1.44
Altman-Z 3.33
F-Score5
WACC8.99%
ROIC/WACC1.2
Cap/Depr(3y)30.09%
Cap/Depr(5y)34.97%
Cap/Sales(3y)1.82%
Cap/Sales(5y)2.28%
Profit Quality(3y)180.11%
Profit Quality(5y)151.56%
High Growth Momentum
Growth
EPS 1Y (TTM)8.44%
EPS 3Y12.6%
EPS 5Y10.5%
EPS Q2Q%-7.27%
EPS Next Y1.77%
EPS Next 2Y4.19%
EPS Next 3Y8.35%
EPS Next 5Y8.87%
Revenue 1Y (TTM)2.18%
Revenue growth 3Y3.93%
Revenue growth 5Y4.31%
Sales Q2Q%2.03%
Revenue Next Year4.71%
Revenue Next 2Y2.64%
Revenue Next 3Y0.96%
Revenue Next 5Y1.7%
EBIT growth 1Y-4.21%
EBIT growth 3Y3.47%
EBIT growth 5Y4.56%
EBIT Next Year31.52%
EBIT Next 3Y13.65%
EBIT Next 5Y11.62%
FCF growth 1Y24.8%
FCF growth 3Y74.52%
FCF growth 5Y-0.31%
OCF growth 1Y14.9%
OCF growth 3Y34.84%
OCF growth 5Y-2.06%

CSG SYSTEMS INTL INC / CSGS FAQ

Can you provide the ChartMill fundamental rating for CSG SYSTEMS INTL INC?

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


What is the valuation status of CSG SYSTEMS INTL INC (CSGS) stock?

ChartMill assigns a valuation rating of 5 / 10 to CSG SYSTEMS INTL INC (CSGS). This can be considered as Fairly Valued.


What is the profitability of CSGS stock?

CSG SYSTEMS INTL INC (CSGS) has a profitability rating of 6 / 10.


Can you provide the financial health for CSGS stock?

The financial health rating of CSG SYSTEMS INTL INC (CSGS) is 5 / 10.


Can you provide the expected EPS growth for CSGS stock?

The Earnings per Share (EPS) of CSG SYSTEMS INTL INC (CSGS) is expected to grow by 1.77% in the next year.