CASS INFORMATION SYSTEMS INC (CASS) Fundamental Analysis & Valuation

NASDAQ:CASS • US14808P1093

Current stock price

47.5 USD
+0.13 (+0.27%)
At close:
47.5 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

  • 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 each of the past 5 years.
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

  • With a Return On Assets value of 1.35%, CASS perfoms like the industry average, outperforming 53.00% of the companies in the same industry.
  • CASS has a better Return On Equity (14.45%) than 73.00% of its industry peers.
  • CASS's Return On Invested Capital of 3.21% is in line compared to the rest of the industry. CASS outperforms 55.00% of 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 7.97%.
  • 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's Profit Margin of 16.93% is fine compared to the rest of the industry. CASS outperforms 70.00% of its industry peers.
  • CASS's Profit Margin has been stable in the last couple of years.
  • CASS has a better Operating Margin (18.69%) than 68.00% of its industry peers.
  • In the last couple of years the Operating Margin of CASS has declined.
  • Looking at the Gross Margin, with a value of 92.13%, CASS belongs to the top of the industry, outperforming 94.00% of the companies in the same industry.
  • In the last couple of years the Gross Margin of CASS has remained more or less at the same level.
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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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 -0.65, we must say that CASS is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.65, CASS is not doing good in the industry: 70.00% 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.
  • The Debt to FCF ratio of CASS (21.61) is comparable to the rest of the industry.
  • CASS has a Debt/Equity ratio of 2.83. This is a high value indicating a heavy dependency on external financing.
  • CASS has a Debt to Equity ratio of 2.83. This is in the lower half of the industry: CASS underperforms 71.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.83
Debt/FCF 21.61
Altman-Z -0.65
ROIC/WACC0.62
WACC5.19%
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

  • 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 worse Current ratio (0.04) than 80.00% 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 80.00% 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

  • 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.
  • Measured over the past years, CASS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.49% on average per year.
  • 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.
  • 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

  • The Price/Earnings ratio is 18.13, which indicates a rather expensive current valuation of CASS.
  • 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 26.91.
  • A Price/Forward Earnings ratio of 16.57 indicates a correct valuation of CASS.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CASS.
  • CASS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.99, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.13
Fwd PE 16.57
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

  • CASS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CASS is cheaper than 93.00% of the companies in the same industry.
  • CASS's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 19.3
EV/EBITDA 4.77
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 an expensive valuation of the company.
  • CASS has a very decent profitability rating, which may justify a higher PE ratio.
  • CASS's earnings are expected to grow with 16.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.93
PEG (5Y)2.14
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 2.73%. Purely for dividend investing, there may be better candidates out there.
  • CASS's Dividend Yield is a higher than the industry average which is at 1.81.
  • CASS's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.73%

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 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.
  • 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 (4/28/2026, 8:16:54 PM)

After market: 47.5 0 (0%)

47.5

+0.13 (+0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-17
Earnings (Next)07-15
Inst Owners59.96%
Inst Owner Change-0.09%
Ins Owners2.81%
Ins Owner Change0.52%
Market Cap613.23M
Revenue(TTM)207.43M
Net Income(TTM)35.12M
Analysts82.86
Price Target51 (7.37%)
Short Float %2.45%
Short Ratio3.58
Dividend
Industry RankSector Rank
Dividend Yield 2.73%
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)0%
EPS NY rev (1m)0%
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 RankSector Rank
PE 18.13
Fwd PE 16.57
P/S 2.96
P/FCF 19.3
P/OCF 16.38
P/B 2.52
P/tB 2.75
EV/EBITDA 4.77
EPS(TTM)2.62
EY5.52%
EPS(NY)2.87
Fwd EY6.03%
FCF(TTM)2.46
FCFY5.18%
OCF(TTM)2.9
OCFY6.1%
SpS16.07
BVpS18.82
TBVpS17.28
PEG (NY)1.93
PEG (5Y)2.14
Graham Number33.3104 (-29.87%)
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 -0.65
F-Score8
WACC5.19%
ROIC/WACC0.62
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.