42.68 USD
+0.41 (+0.97%)
42.68 USD
0 (0%)
CASS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 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 decent growth rate and is not valued too expensively. Finally CASS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year CASS was profitable.
- In the past year CASS had a positive cash flow from operations.
- CASS had positive earnings in each of the past 5 years.
- Each year in the past 5 years CASS had a positive operating cash flow.
1.2 Ratios
- CASS has a Return On Assets (1.28%) which is in line with its industry peers.
- The Return On Equity of CASS (12.95%) is better than 69.39% of its industry peers.
- With a Return On Invested Capital value of 3.02%, CASS perfoms like the industry average, outperforming 51.02% of the companies in the same industry.
- CASS had an Average Return On Invested Capital over the past 3 years of 3.13%. This is significantly below the industry average of 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 12.95% | ||
| ROIC | 3.02% |
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 15.07%. This is in the better half of the industry: CASS outperforms 60.20% of its industry peers.
- In the last couple of years the Profit Margin of CASS has declined.
- CASS has a Operating Margin (16.52%) which is in line with its industry peers.
- CASS's Operating Margin has declined in the last couple of years.
- CASS has a better Gross Margin (91.85%) than 92.86% of its industry peers.
- In the last couple of years the Gross Margin of CASS has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.52% | ||
| PM (TTM) | 15.07% | ||
| GM | 91.85% |
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
- CASS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
- Compared to 1 year ago, CASS has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of -0.65, we must say that CASS is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of CASS (-0.65) is worse than 69.39% 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.
- A Debt/Equity ratio of 2.58 is on the high side and indicates that CASS has dependencies on debt financing.
- The Debt to Equity ratio of CASS (2.58) is worse than 75.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.58 | ||
| Debt/FCF | 14.01 | ||
| Altman-Z | -0.65 |
ROIC/WACC0.44
WACC6.88%
2.3 Liquidity
- CASS has a Current Ratio of 0.04. This is a bad value and indicates that CASS is not financially healthy enough and could expect problems in meeting its short term obligations.
- CASS has a Current ratio of 0.04. This is amonst the worse of the industry: CASS underperforms 81.63% of its industry peers.
- CASS has a Quick Ratio of 0.04. This is a bad value and indicates that CASS is not financially healthy enough and could expect problems in meeting its short term obligations.
- CASS has a worse Quick ratio (0.04) than 81.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 40.36% over the past year.
- CASS shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.64% yearly.
- The Revenue has decreased by -4.96% in the past year.
- Measured over the past years, CASS shows a small growth in Revenue. The Revenue has been growing by 6.21% on average per year.
EPS 1Y (TTM)40.36%
EPS 3Y-11.39%
EPS 5Y-7.64%
EPS Q2Q%223.81%
Revenue 1Y (TTM)-4.96%
Revenue growth 3Y12.32%
Revenue growth 5Y6.21%
Sales Q2Q%-0.98%
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 35.29% on average per year.
- Based on estimates for the next years, CASS will show a small growth in Revenue. The Revenue will grow by 2.51% on average per year.
EPS Next Y94.39%
EPS Next 2Y46.41%
EPS Next 3Y35.29%
EPS Next 5YN/A
Revenue Next Year-3.85%
Revenue Next 2Y1.58%
Revenue Next 3Y2.51%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 18.32 indicates a rather expensive 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.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, CASS is valued a bit cheaper.
- CASS is valuated correctly with a Price/Forward Earnings ratio of 14.43.
- CASS's Price/Forward Earnings is on the same level as the industry average.
- CASS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.31, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.32 | ||
| Fwd PE | 14.43 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CASS indicates a rather cheap valuation: CASS is cheaper than 81.63% of the companies listed 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 71.43% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.46 | ||
| EV/EBITDA | 7.19 |
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 35.29% in the coming years.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y46.41%
EPS Next 3Y35.29%
5. Dividend
5.1 Amount
- CASS has a Yearly Dividend Yield of 3.10%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.49, CASS pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.92, CASS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
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
- CASS pays out 52.58% of its income as dividend. 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 2Y46.41%
EPS Next 3Y35.29%
42.68
+0.41 (+0.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-23 2025-10-23/bmo
Earnings (Next)01-22 2026-01-22/bmo
Inst Owners63.39%
Inst Owner Change0.09%
Ins Owners3.3%
Ins Owner Change0.43%
Market Cap558.25M
Revenue(TTM)209.10M
Net Income(TTM)31.52M
Analysts82.86
Price Target45.9 (7.54%)
Short Float %2.11%
Short Ratio2.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
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)-10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.54%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.32 | ||
| Fwd PE | 14.43 | ||
| P/S | 2.67 | ||
| P/FCF | 12.46 | ||
| P/OCF | 10.9 | ||
| P/B | 2.29 | ||
| P/tB | 2.5 | ||
| EV/EBITDA | 7.19 |
EPS(TTM)2.33
EY5.46%
EPS(NY)2.96
Fwd EY6.93%
FCF(TTM)3.42
FCFY8.02%
OCF(TTM)3.92
OCFY9.17%
SpS15.99
BVpS18.61
TBVpS17.07
PEG (NY)0.19
PEG (5Y)N/A
Graham Number31.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 12.95% | ||
| ROCE | 12.16% | ||
| ROIC | 3.02% | ||
| ROICexc | 4.22% | ||
| ROICexgc | 8.25% | ||
| OM | 16.52% | ||
| PM (TTM) | 15.07% | ||
| GM | 91.85% | ||
| FCFM | 21.42% |
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-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 | -0.65 |
F-Score8
WACC6.88%
ROIC/WACC0.44
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)40.36%
EPS 3Y-11.39%
EPS 5Y-7.64%
EPS Q2Q%223.81%
EPS Next Y94.39%
EPS Next 2Y46.41%
EPS Next 3Y35.29%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.96%
Revenue growth 3Y12.32%
Revenue growth 5Y6.21%
Sales Q2Q%-0.98%
Revenue Next Year-3.85%
Revenue Next 2Y1.58%
Revenue Next 3Y2.51%
Revenue Next 5YN/A
EBIT growth 1Y19.86%
EBIT growth 3Y-10.52%
EBIT growth 5Y-8.37%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y53.29%
FCF growth 3Y-0.62%
FCF growth 5Y-5.55%
OCF growth 1Y27.47%
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 4 / 10 to CASS.
What is the valuation status of CASS INFORMATION SYSTEMS INC (CASS) stock?
ChartMill assigns a valuation rating of 6 / 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 1 / 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%.