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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#592
Positioning
Market Dominance
Services
Business Services
$520M
Eric H. Brunngraber
Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. The company's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. It also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses.
Headcount
1.2K
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = CASS ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$YALA Yalla Group Ltd | 75 | 89 | 99 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GRVY GRAVITY Co., Ltd. | 75 | 82 | 96 | 71 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$ISSC INNOVATIVE SOLUTIONS & SUPPORT INC | 73 | 81 | 88 | 94 | 25.0x | 14.1x | 17.1% | 10.3% | 35.5% | 14.6% | 10.1% | 105.2% | 0.0% | 41.0x | $244M | VS | |
$AER AerCap Holdings N.V. | 72 | 60 | 87 | 84 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$HCSG HEALTHCARE SERVICES GROUP INC | 72 | 74 | 88 | 88 | 7.1x | 6.1x | 28.9% | 20.8% | 20.8% | 9.9% | 9.3% | 8.5% | 0.0% | 1.0x | $1.2B | VS | |
$LQDT LIQUIDITY SERVICES INC | 72 | 90 | 88 | 68 | 24.9x | 14.3x | 14.1% | 8.3% | 45.7% | 8.5% | 6.2% | 28.1% | 0.0% | 0.0x | $736M | VS | |
$TRTNpA Triton International Ltd | 71 | 70 | 89 | 70 | - | 1.7x | 0.0% | - | 97.4% | 58.0% | 37.4% | - | 8.8% | 264.0x | $2.5B | VS | |
$EDU New Oriental Education & Technology Group Inc. | 71 | 83 | 52 | 77 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NTES NetEase, Inc. | 71 | 88 | 93 | 68 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UTI UNIVERSAL TECHNICAL INSTITUTE INC | 70 | 86 | 86 | 72 | 43.2x | 16.0x | 15.3% | 5.8% | 100.0% | 6.9% | 5.2% | 15.1% | 0.0% | 24.0x | $1.8B | VS | |
$CASS CASS INFORMATION SYSTEMS INC | 61 | 45 | 73 | 72 | 19.3x | 17.8x | 12.3% | 1.2% | 100.0% | 17.0% | 15.8% | 3.0% | 3.1% | 908.0x | $520M | ||
| SECTOR BENCH | - | - | - | - | - | 23.7x | 11.7x | 5.7% | 2.4% | 64.6% | 4.5% | 2.8% | 8.6% | 0.0% | 0.3x | - | REF |
CASS INFORMATION SYSTEMS INC (CASS) receives a "Hold" rating with a composite score of 61.1/100. It ranks #592 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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HQ Base
Saint Louis, Missouri
Outperforming peers — winners tend to keep winning over 3-12 months
Trading at a discount to fundamentals — favorable entry valuation
Average quality profile
Low volatility — smoother ride and historically better risk-adjusted returns
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Services sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for CASS.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 45 | 46 | -1NEUTRAL |
| MOMENTUM | 72 | 81 | -9DRAG |
| VALUATION | 73 | 83 | -10DRAG |
| INVESTMENT | 30 | 34 | -4NEUTRAL |
| STABILITY | 94 | 99 | -5NEUTRAL |
| SHORT INT | 68 | 83 | -15DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 1.3% vs WACC 4.9% (spread -3.6%)
GM 100% vs sector 65%, OM 17% vs sector 5%
Capital turnover 0.08x
Rev growth 3%, 10yr history
Interest coverage 2.8x, Net debt/EBITDA 51.4x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate CASS INFORMATION SYSTEMS INC (CASS) as a Hold with a composite score of 61.1/100 at a current price of $44.45. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
CASS INFORMATION SYSTEMS INC holds a top-quartile position (#0 of 50) within the Services sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 61.1/100 places it at rank #592 in our full universe.
The near-term outlook is constructive, with revenue growing at 3% and momentum in the 72th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
Medium
Standard
Undervalued
Gross margins of 100% signal strong pricing power.
Value factor score of 73 suggests attractive pricing.
Positive momentum indicates institutional accumulation.
Leverage of 908% D/E amplifies downside risk.
Vulnerability to macroeconomic shocks and interest rate volatility.
CASS INFORMATION SYSTEMS INC represents a hold based on multi-factor quantitative performance.
Our model assigns CASS INFORMATION SYSTEMS INC a Hold rating, with a composite score of 61.1/100 and 3 out of 5 stars. Ranked #592 of 7,333 stocks, CASS presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
With a quality score of 45/100, CASS shows adequate but unremarkable business quality. The company reports a return on equity of 12.3% (sector avg: 5.7%), gross margins of 100.0% (sector avg: 64.6%), net margins of 15.8% (sector avg: 2.8%). This suggests the company generates acceptable returns but may lack the competitive positioning or operational efficiency to stand out from peers.
CASS carries a solid value score of 73/100, pointing to an attractively priced stock relative to peers. Key valuation metrics include a P/E ratio of 19.27x, an EV/EBITDA of 17.75x, a P/B ratio of 2.36x. This score suggests reasonable compensation for the risks involved, with potential upside if the market recognizes the stock's underlying worth.
CASS INFORMATION SYSTEMS INC's investment score of 30/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 3.0% vs. a sector average of 8.6% and a return on assets of 1.2% (sector: 2.4%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
CASS shows strong momentum characteristics with a score of 72/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 3.0% year-over-year, while a beta of 0.58 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
CASS INFORMATION SYSTEMS INC earns an excellent stability score of 94/100, reflecting low price volatility and a conservatively managed balance sheet. Key stability metrics include a beta of 0.58 and a debt-to-equity ratio of 908.00x (sector avg: 0.3x). Stocks with this level of stability tend to act as portfolio anchors, providing downside protection during market corrections while still participating in broad market advances.
CASS carries a short interest score of 68/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 908.00x), small-cap liquidity risk. At $520M market cap (small-cap), CASS INFORMATION SYSTEMS INC offers reasonable institutional liquidity.
CASS pays a solid dividend yield of 3.1%, contributing an income component to total returns. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
CASS INFORMATION SYSTEMS INC is a small-cap company in the Services sector, ranked #0 of 50 in its sector (100th percentile) and #592 of 7,333 overall (92nd percentile). Key comparisons include ROE of 12.3% exceeding the 5.7% sector median and operating margins of 17.0% above the 4.5% sector average. This top-quartile standing reflects exceptional competitive strength relative to Services peers.
While CASS currently exhibits a HOLD profile, superior opportunities exist within the SERVICES sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Services Alpha →Quant Factor Profile
Key factor gap
Stability (94) vs Investment (30) — closing this gap could shift the rating.
EV/EBITDA 51% ABOVE SECTOR MEDIAN
ROE 114% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 55% ABOVE SECTOR MEDIAN (FAVORABLE)
Above 50MA
37.18%
Net New Highs
+51081
About CASS INFORMATION SYSTEMS INC Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. It operates through two segments, Information Services and Banking Services. The company's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. It also processes and pays facility-related invoices, such as electricity, g
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