CSG SYSTEMS INTL INC (CSGS) Stock Fundamental Analysis
NASDAQ:CSGS • US1263491094
79.93 USD
+0.28 (+0.35%)
At close: Feb 20, 2026
79.93 USD
0 (0%)
After Hours: 2/20/2026, 8:25:57 PM
We assign a fundamental rating of 5 out of 10 to CSGS. CSGS was compared to 87 industry peers in the IT Services industry. CSGS has an average financial health and profitability rating. CSGS is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year CSGS was profitable.
- In the past year CSGS had a positive cash flow from operations.
- Each year in the past 5 years CSGS has been profitable.
- In the past 5 years CSGS always reported a positive cash flow from operatings.
1.2 Ratios
- CSGS has a better Return On Assets (3.62%) than 63.22% of its industry peers.
- With an excellent Return On Equity value of 19.70%, CSGS belongs to the best of the industry, outperforming 83.91% of the companies in the same industry.
- CSGS has a better Return On Invested Capital (10.77%) than 80.46% of its industry peers.
- 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 Rank | Sector 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%
1.3 Margins
- CSGS has a better Profit Margin (4.57%) than 63.22% of its industry peers.
- In the last couple of years the Profit Margin of CSGS has declined.
- The Operating Margin of CSGS (11.33%) is better than 74.71% of its industry peers.
- CSGS's Operating Margin has been stable in the last couple of years.
- Looking at the Gross Margin, with a value of 45.76%, CSGS is in the better half of the industry, outperforming 68.97% of the companies in the same industry.
- In the last couple of years the Gross Margin of CSGS has declined.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CSGS is creating some value.
- CSGS has less shares outstanding than it did 1 year ago.
- CSGS has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for CSGS has been reduced compared to a year ago.
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.
- The Altman-Z score of CSGS (3.33) is better than 63.22% of its industry peers.
- The Debt to FCF ratio of CSGS is 3.82, which is a good value as it means it would take CSGS, 3.82 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 3.82, CSGS perfoms like the industry average, outperforming 57.47% of the companies in the same industry.
- A Debt/Equity ratio of 1.90 is on the high side and indicates that CSGS has dependencies on debt financing.
- CSGS's Debt to Equity ratio of 1.90 is on the low side compared to the rest of the industry. CSGS is outperformed by 74.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.9 | ||
| Debt/FCF | 3.82 | ||
| Altman-Z | 3.33 |
ROIC/WACC1.19
WACC9.03%
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.
- CSGS's Current ratio of 1.44 is in line compared to the rest of the industry. CSGS outperforms 40.23% of its industry peers.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.44 | ||
| Quick Ratio | 1.44 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 8.44% over the past year.
- CSGS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.50% yearly.
- 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
- Based on estimates for the next years, CSGS will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.87% on average per year.
- Based on estimates for the next years, CSGS will show a small growth in Revenue. The Revenue will grow by 1.70% on average per year.
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
- The EPS growth rate is stable: in the next years the growth will be about the same 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
- Based on the Price/Earnings ratio of 15.55, the valuation of CSGS can be described as correct.
- Based on the Price/Earnings ratio, CSGS is valued a bit cheaper than 68.97% of the companies in the same industry.
- CSGS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.99.
- CSGS is valuated correctly with a Price/Forward Earnings ratio of 15.28.
- Based on the Price/Forward Earnings ratio, CSGS is valued a bit cheaper than 63.22% of the companies in the same industry.
- CSGS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.55 | ||
| Fwd PE | 15.28 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CSGS is valued a bit cheaper than the industry average as 68.97% of the companies are valued more expensively.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CSGS indicates a somewhat cheap valuation: CSGS is cheaper than 65.52% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.04 | ||
| EV/EBITDA | 12.41 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CSGS does not grow enough to justify the current Price/Earnings ratio.
- The decent profitability rating of CSGS may justify a higher PE ratio.
PEG (NY)8.79
PEG (5Y)1.48
EPS Next 2Y4.19%
EPS Next 3Y8.35%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.71%, CSGS has a reasonable but not impressive dividend return.
- CSGS's Dividend Yield is rather good when compared to the industry average which is at 0.54. CSGS pays more dividend than 85.06% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, CSGS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector 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
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%
79.93
+0.28 (+0.35%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)05-05 2026-05-05
Inst Owners106.28%
Inst Owner Change-5.07%
Ins Owners3.92%
Ins Owner Change2.56%
Market Cap2.27B
Revenue(TTM)1.22B
Net Income(TTM)55.88M
Analysts51.67
Price Target82.31 (2.98%)
Short Float %12.24%
Short Ratio7.12
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.55 | ||
| Fwd PE | 15.28 | ||
| P/S | 1.85 | ||
| P/FCF | 16.04 | ||
| P/OCF | 14.54 | ||
| P/B | 7.99 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.41 |
EPS(TTM)5.14
EY6.43%
EPS(NY)5.23
Fwd EY6.54%
FCF(TTM)4.98
FCFY6.24%
OCF(TTM)5.5
OCFY6.88%
SpS43.12
BVpS10
TBVpS-5.67
PEG (NY)8.79
PEG (5Y)1.48
Graham Number34.01
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC9.03%
ROIC/WACC1.19
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.