46.32 USD
-0.44 (-0.94%)
At close: Feb 9, 2026
46.32 USD
0 (0%)
After Hours: 2/9/2026, 8:00:02 PM
We assign a fundamental rating of 4 out of 10 to CASS. CASS was compared to 96 industry peers in the Financial Services industry. There are concerns on the financial health of CASS while its profitability can be described as average. CASS has a correct valuation and a medium growth rate. Finally 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's Return On Assets of 1.28% is in line compared to the rest of the industry. CASS outperforms 52.08% of its industry peers.
- CASS's Return On Equity of 12.95% is fine compared to the rest of the industry. CASS outperforms 69.79% of its industry peers.
- With a Return On Invested Capital value of 3.02%, CASS perfoms like the industry average, outperforming 51.04% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for CASS is significantly below the industry average of 8.60%.
- 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 has a Profit Margin of 15.07%. This is comparable to the rest of the industry: CASS outperforms 59.38% of its industry peers.
- In the last couple of years the Profit Margin of CASS has remained more or less at the same level.
- CASS has a Operating Margin (16.52%) which 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 93.75% 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-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
- CASS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
- The debt/assets ratio for CASS has been reduced compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of -0.63, we must say that CASS is in the distress zone and 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 68.75% of its industry peers.
- CASS has a debt to FCF ratio of 14.01. This is a negative value and a sign of low solvency as CASS would need 14.01 years to pay back of all of its debts.
- The Debt to FCF ratio of CASS (14.01) is comparable to the rest of the industry.
- 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 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.58 | ||
| Debt/FCF | 14.01 | ||
| Altman-Z | -0.63 |
ROIC/WACC0.42
WACC7.22%
2.3 Liquidity
- A Current Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
- CASS has a worse Current ratio (0.04) than 81.25% of its industry peers.
- A Quick Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
- CASS has a Quick ratio of 0.04. This is amonst the worse of the industry: CASS underperforms 81.25% 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%.
- 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
- CASS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.73% yearly.
- The Revenue is expected to grow by 5.85% on average over the next years.
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
- 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 17.68, CASS is valued on the expensive side.
- 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 28.06, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 16.16, the valuation of CASS can be described as correct.
- CASS's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of CASS to the average of the S&P500 Index (27.86), we can say CASS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.68 | ||
| Fwd PE | 16.16 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CASS is valued a bit cheaper than the industry average as 73.96% of the companies are valued more expensively.
- 67.71% of the companies in the same industry are more expensive than CASS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.53 | ||
| EV/EBITDA | 8.47 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- CASS's earnings are expected to grow with 16.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.88
PEG (5Y)2.08
EPS Next 2Y16.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.74%, CASS has a reasonable but not impressive dividend return.
- CASS's Dividend Yield is a higher than the industry average which is at 2.03.
- Compared to an average S&P500 Dividend Yield of 1.80, CASS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
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
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 2Y16.73%
EPS Next 3YN/A
46.32
-0.44 (-0.94%)
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-8.16%
Ins Owners3.3%
Ins Owner Change2.34%
Market Cap605.87M
Revenue(TTM)207.42M
Net Income(TTM)31.52M
Analysts82.86
Price Target51 (10.1%)
Short Float %1.9%
Short Ratio2.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
Yearly Dividend1.22
Dividend Growth(5Y)3.04%
DP52.58%
Div Incr Years23
Div Non Decr Years28
Ex-Date03-03 2026-03-03 (0.32)
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)11.11%
PT rev (3m)11.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-3.1%
EPS NY rev (3m)-3.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.68 | ||
| Fwd PE | 16.16 | ||
| P/S | 2.9 | ||
| P/FCF | 13.53 | ||
| P/OCF | 11.83 | ||
| P/B | 2.49 | ||
| P/tB | 2.71 | ||
| EV/EBITDA | 8.47 |
EPS(TTM)2.62
EY5.66%
EPS(NY)2.87
Fwd EY6.19%
FCF(TTM)3.42
FCFY7.39%
OCF(TTM)3.92
OCFY8.45%
SpS15.99
BVpS18.61
TBVpS17.07
PEG (NY)1.88
PEG (5Y)2.08
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
WACC7.22%
ROIC/WACC0.42
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 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 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%.