CASS INFORMATION SYSTEMS INC (CASS) Fundamental Analysis & Valuation

NASDAQ:CASS • US14808P1093

Current stock price

45.82 USD
+0.69 (+1.53%)
Last:

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.
  • CASS had a positive operating cash flow in the past year.
  • 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

  • The Return On Assets of CASS (1.35%) is comparable to the rest of the industry.
  • The Return On Equity of CASS (14.45%) is better than 73.00% of its industry peers.
  • The Return On Invested Capital of CASS (3.21%) is comparable to the rest of the industry.
  • CASS had an Average Return On Invested Capital over the past 3 years of 2.75%. This is significantly below the industry average of 8.10%.
  • The 3 year average ROIC (2.75%) for CASS is below the current ROIC(3.21%), indicating increased profibility in the last year.
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 70.00% 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 66.00% 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.
  • The number of shares outstanding for CASS has been reduced compared to 1 year ago.
  • The number of shares outstanding for CASS has been reduced compared to 5 years ago.
  • 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

  • CASS has an Altman-Z score of -0.66. This is a bad value and indicates that CASS is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of -0.66, CASS is not doing good in the industry: 71.00% of the companies in the same industry are doing better.
  • The Debt to FCF ratio of CASS is 21.61, which is on the high side as it means it would take CASS, 21.61 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 21.61, CASS is in line with its industry, 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 73.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.83
Debt/FCF 21.61
Altman-Z -0.66
ROIC/WACC0.56
WACC5.75%
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 77.00% 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 77.00% of its industry peers.
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.
  • CASS shows a decrease in Revenue. In the last year, the revenue decreased by -5.67%.
  • The Revenue has been growing slightly by 6.97% on average over the past years.
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

  • Based on estimates for the next years, CASS will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.73% on average per year.
  • 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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4

4. CASS Valuation Analysis

4.1 Price/Earnings Ratio

  • CASS is valuated rather expensively with a Price/Earnings ratio of 17.49.
  • CASS's Price/Earnings ratio is in line with the industry average.
  • CASS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.21.
  • CASS is valuated correctly with a Price/Forward Earnings ratio of 15.99.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CASS.
  • CASS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.10.
Industry RankSector Rank
PE 17.49
Fwd PE 15.99
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

  • 94.00% of the companies in the same industry are more expensive than CASS, based on the Enterprise Value to EBITDA ratio.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as CASS.
Industry RankSector Rank
P/FCF 18.62
EV/EBITDA 4.14
CASS Per share dataCASS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CASS does not grow enough to justify the current Price/Earnings ratio.
  • 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)1.86
PEG (5Y)2.06
EPS Next 2Y16.73%
EPS Next 3YN/A

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7

5. CASS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.95%, CASS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.20, CASS pays a bit more dividend than its industry peers.
  • CASS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.95%

5.2 History

  • The dividend of CASS has a limited annual growth rate of 2.97%.
  • 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)2.97%
Div Incr Years24
Div Non Decr Years29
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.
  • CASS's earnings are growing more than its dividend. This makes the dividend growth 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 (4/8/2026, 9:45:56 AM)

45.82

+0.69 (+1.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-22
Earnings (Next)04-16
Inst Owners66.11%
Inst Owner Change0.06%
Ins Owners3.51%
Ins Owner Change2.35%
Market Cap591.54M
Revenue(TTM)207.43M
Net Income(TTM)35.12M
Analysts82.86
Price Target51 (11.31%)
Short Float %2.19%
Short Ratio3.42
Dividend
Industry RankSector Rank
Dividend Yield 2.95%
Yearly Dividend1.25
Dividend Growth(5Y)2.97%
DP47.02%
Div Incr Years24
Div Non Decr Years29
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 17.49
Fwd PE 15.99
P/S 2.85
P/FCF 18.62
P/OCF 15.8
P/B 2.43
P/tB 2.65
EV/EBITDA 4.14
EPS(TTM)2.62
EY5.72%
EPS(NY)2.87
Fwd EY6.26%
FCF(TTM)2.46
FCFY5.37%
OCF(TTM)2.9
OCFY6.33%
SpS16.07
BVpS18.82
TBVpS17.28
PEG (NY)1.86
PEG (5Y)2.06
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 -0.66
F-Score8
WACC5.75%
ROIC/WACC0.56
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 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.


What is the profitability of CASS stock?

CASS INFORMATION SYSTEMS INC (CASS) has a profitability rating of 6 / 10.


Can you provide the financial health for CASS stock?

The financial health rating of CASS INFORMATION SYSTEMS INC (CASS) is 2 / 10.


What is the earnings growth outlook for CASS INFORMATION SYSTEMS INC?

The Earnings per Share (EPS) of CASS INFORMATION SYSTEMS INC (CASS) is expected to grow by 9.4% in the next year.