Cass Information Systems, Inc. (CASS) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Cass Information Systems, Inc.

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Tyra Biosciences, Inc.

Why is Cass Information Systems, Inc. ?

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 12.22%

Poor long term growth as Net Sales has grown by an annual rate of 6.56% and Operating profit at 3.78%

The company has declared positive results in Mar'2025 after 2 consecutive negative quarters

DIVIDEND PER SHARE(HY) Highest at USD 3.25
DEBTORS TURNOVER RATIO(HY) Highest at 3.25 times
PRE-TAX PROFIT(Q) At USD 9.99 MM has Grown at 73.28%

With ROE of 12.80%, it has a fair valuation with a 2.64 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -0.41%, its profits have risen by 62.3% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 72.84%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -0.41% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Cass Information Systems, Inc. should be less than 10%
Overall Portfolio exposure to Miscellaneous should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Miscellaneous)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Cass Information Systems, Inc. for you?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

Cass Information Systems, Inc.

2.26%

0.21

23.80%

S&P 500

16.08%

0.62

19.30%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

6.56%

EBIT Growth (5y)

3.78%

EBIT to Interest (avg)

35.34

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

0.92

Tax Ratio

20.05%

Dividend Payout Ratio

47.89%

Pledged Shares

Institutional Holding

72.84%

ROCE (avg)

350.51%

ROE (avg)

12.22%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.64

EV to EBIT

6.67

EV to EBITDA

5.83

EV to Capital Employed

-1.67

EV to Sales

1.23

PEG Ratio

0.30

Dividend Yield

2.68%

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

12.80%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

DIVIDEND PER SHARE(HY)

Highest at USD 3.25

DEBTORS TURNOVER RATIO(HY)

Highest at 3.25 times

PRE-TAX PROFIT(Q)

At USD 9.99 MM has Grown at 73.28%

NET PROFIT(Q)

At USD 8.19 MM has Grown at 78.25%

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 32.59 MM

RAW MATERIAL COST(Y)

Grown by 101.14% (YoY

DEBT-EQUITY RATIO (HY)

Highest at 0 %

Here's what is working for Cass Information Systems, Inc.

Dividend per share

Highest at USD 3.25 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Pre-Tax Profit

At USD 9.99 MM has Grown at 73.28%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 8.19 MM has Grown at 78.25%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Debtors Turnover Ratio

Highest at 3.25 times

in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its Debtors faster

Debtors Turnover Ratio

Here's what is not working for Cass Information Systems, Inc.

Operating Cash Flow

Lowest at USD 32.59 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Debt-Equity Ratio

Highest at 0 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio

Raw Material Cost

Grown by 101.14% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin

Raw Material Cost as a percentage of Sales