Cass Information Systems Inc
NASDAQ:CASS
Intrinsic Value
Cass Information Systems, Inc. engages in the provision of integrated information and payment management solutions. [ Read More ]
The intrinsic value of one
CASS
stock under the Base Case scenario is
54.82
USD.
Compared to the current market price of 43.44 USD,
Cass Information Systems Inc
is
Undervalued by 21%.
Cass Information Systems Inc's market capitalization is 592.2m USD.
CASS stock price is 43.44 USD.
CASS stock price (43.44 USD) is 21% less than its Intrinsic Value (54.82 USD).
CASS stock price (43.44 USD) is 35% less than its Relative Value (67.22 USD). Open Relative Valuation
CASS has upside potential of 20% compared to the average analyst price target.
Open Wall St Estimates
CASS's ROIC (Return on Invested Capital) has decreased in the last 3 years from 3% to 2%.
CASS's long-term assets (2B USD) exceed its long-term liabilties (2B USD).
CASS's ROE (Return on Equity) for the past 12 months is positive and is equal to 13%.
CASS's Revenue has grown by 10% over the past 12 months.
CASS's ROE (Return on Equity) has increased in the last 3 years from 10% to 13%.
CASS has positive three-year average ROE (Return on Equity): 13%. The company is efficient at transforming stockholders' equity into net income.
CASS has positive Net Income for the last twelve months.
CASS's ROIC (Return on Invested Capital) for the past 12 months is very low and is equal to 2%.
CASS has positive Operating Income for the last twelve months.
CASS's Revenue has been growing by 14% per year for the last 3 years.
CASS has a very low three-year average ROIC (Return on Invested Capital): 3%. The company is not efficient at using invested capital to generate operating income.
CASS has positive Net Debt. This means that the company has more debt (666m USD) than cash and short-term investments (193m USD).
CASS has positive Free Cash Flow for the last twelve months.
CASS has positive Gross Profit for the last twelve months.
CASS's D/E (Debt to Equity) is very high and is equal to 2.9.
CASS's short-term liabilties (2B USD) exceed its short-term assets (226m USD).
CASS's Altman Z-Score is very low and is equal to -0.26.
CASS generates enough operating income (37m USD) to cover interest payments on its debt (16m USD).
Valuation Backtest
Cass Information Systems Inc
Run backtest to discover the historical profit from buying and selling
CASS
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Cass Information Systems Inc
Balance Sheet Decomposition
Cass Information Systems Inc
| Current Assets | 225.7m |
| Cash & Short-Term Investments | 192.8m |
| Receivables | 32.9m |
| Non-Current Assets | 2.1B |
| Long-Term Investments | 621.9m |
| PP&E | 32.6m |
| Intangibles | 20.5m |
| Other Non-Current Assets | 1.4B |
| Current Liabilities | 2B |
| Accounts Payable | 944.8m |
| Short-Term Debt | 666.2m |
| Other Current Liabilities | 412.9m |
| Non-Current Liabilities | 40.2m |
| Other Non-Current Liabilities | 40.2m |
Earnings Waterfall
Cass Information Systems Inc
|
Revenue
|
215.9m
USD
|
|
Cost of Revenue
|
-18.2m
USD
|
|
Gross Profit
|
197.7m
USD
|
|
Operating Expenses
|
-160.3m
USD
|
|
Operating Income
|
37.4m
USD
|
|
Other Expenses
|
-7.3m
USD
|
|
Net Income
|
30.1m
USD
|
Free Cash Flow Analysis
Cass Information Systems Inc
CASS Profitability Score
Profitability Due Diligence
Cass Information Systems Inc's profitability score is 59/100. The higher the profitability score, the more profitable the company is.
Score
Cass Information Systems Inc's profitability score is 59/100. The higher the profitability score, the more profitable the company is.
CASS Solvency Score
Solvency Due Diligence
Cass Information Systems Inc's solvency score is 16/100. The higher the solvency score, the more solvent the company is.
Score
Cass Information Systems Inc's solvency score is 16/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
CASS Price Targets Summary
Cass Information Systems Inc
According to Wall Street analysts, the average 1-year price target for
CASS
is 52.02 USD
with a low forecast of 51.51 USD and a high forecast of 53.55 USD.
Ownership
CASS Insider Trading
Buy and sell transactions by insiders
| Period | Sold | Bought | Net |
|---|---|---|---|
| 3 Months |
|
|
|
| 6 Months |
|
|
|
| 9 Months |
|
|
|
| 12 Months |
|
|
|
Shareholder Return
CASS Price
Cass Information Systems Inc
| Average Annual Return | 1.88% |
| Standard Deviation of Annual Returns | 22.6% |
| Max Drawdown | -51% |
| Market Capitalization | 592.2m USD |
| Shares Outstanding | 13 755 000 |
| Percentage of Shares Shorted | 1.42% |
Company Profile
Cass Information Systems Inc
Country
Industry
Market Cap
Dividend Yield
Description
Cass Information Systems, Inc. engages in the provision of integrated information and payment management solutions. The company is headquartered in St. Louis, Missouri and currently employs 884 full-time employees. The firm's segments include Information Services and Banking Services. The Information Services segment provides transportation, energy, telecommunication, and environmental invoice processing and payment services to large corporations. The Banking Services segment provides banking services primarily to privately held businesses and faith-based ministries, including on-line generosity services, as well as supporting the banking needs of the Information Services segment. The firm's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The firm's bank subsidiary, Cass Commercial Bank (the Bank), provides banking services to its target markets, which include privately-owned businesses and faith-based ministries.
Contact
IPO
Employees
Officers
The intrinsic value of one
CASS
stock under the Base Case scenario is
54.82
USD.
Compared to the current market price of 43.44 USD,
Cass Information Systems Inc
is
Undervalued by 21%.
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