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CASS$46.47+0.96%
Fair $46.47+0.0%

CASS

Cass Information Systems, Inc.

Industrials / Specialty Business ServicesNasdaqGS

$46.47

+0.44 (+0.96%)

Fairly Valued+0.0%Fair Value $46.47Fund rank 33/100 · Data gapFallback financials|
SA 33/D
F-Score: 5/9

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 23% · confianza 25%

FCF escenarios

weak_data · normalized FCF $30.4M · quality 64.0/100

Data gap 33/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 80/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

33/100

D

Piotroski

5/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 17Warnings: 0unknown: 17
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified.
Thesis & Journal · CASSLocal privado en este navegador · Cass Information Systems, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$598M

P/E

19.9x

↑

EV/EBITDA

N/A

•

ROE

14.5%

↑

Gross Margin

N/A

•

Debt/Equity

N/A

•
52-Week Range$46
$36$52

TradingView lightweight chart

CASS price, volumen y niveles de valoración

Último $46.47Periodo +870.5%
Fair value: $46.47

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2009–2025 · 16 años de histórico normalizado

Revenue CAGR

+4.6%

FCF CAGR

+3.6%

FCF margin

17.5%

FCF / Net income

0.90x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $181.6M · net income $35.1M · FCF $31.8M

2009-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

19.3%+1.0% pts

FCF margin

17.5%-3.0% pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Income Statement
Revenue$181.6M$181.6M$172.9M$167.9M$176.0M$108.7M$98.9M$109.3M$148.3M$135.3M$125.5M$120.8M$117.2M$114.8M$111.5M$106.5M$96.2M$87.9M
Net Income$35.1M$35.1M$19.2M$30.1M$34.9M$28.6M$25.2M$30.4M$30.3M$25.0M$24.3M$23.1M$24.0M$23.5M$23.3M$23.0M$20.3M$16.1M
EPS2.612.611.392.182.532.001.732.072.031.681.631.521.561.531.531.521.351.08
Net Margin19.3%19.3%11.1%17.9%19.8%26.3%25.5%27.8%20.4%18.5%19.4%19.1%20.5%20.5%20.9%21.6%21.1%18.3%
Balance Sheet
Current Ratio1.021.02————————————————
Cash Flow
Free Cash Flow$31.8M$31.8M$30.4M$25.0M$45.7M$30.2M$45.8M$39.4M$43.9M$34.8M$30.5M$27.7M——$32.2M$23.7M$22.6M$18.0M
Returns
ROE14.5%14.5%8.4%13.1%16.9%11.6%9.6%12.5%13.2%11.1%11.7%11.1%12.0%12.3%13.4%14.3%14.3%12.4%
Valuation
P/E19.8619.8628.5520.3719.03—————————————
P/B2.572.572.392.673.22—————————————
Growth & Yield
Revenue Growth5.0%5.0%2.9%-4.5%—9.9%-9.5%-26.3%9.6%7.8%3.9%3.1%2.1%3.0%4.7%10.7%9.4%—
EPS Growth87.8%87.8%-36.2%-13.8%—15.6%-16.4%2.0%20.8%3.1%7.5%-2.8%2.0%0.0%0.5%12.9%24.7%—
Dividend Yield2.8%2.8%————————————————

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

16.5%

exigente

EPS terminal req.

$4.12

Spread vs growth

71.3%

5Y implied EPS CAGR

13.8%

razonable

EPS terminal req.

$4.99

Spread vs growth

73.9%

10Y implied EPS CAGR

11.9%

razonable

EPS terminal req.

$8.04

Spread vs growth

75.9%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +12.6%

Total return

+12.6%

Start / end P/E

30.4x → 17.8x

EPS bridge

1.39 → 2.61

Residual

-36.4%

EPS growth+87.8%
Multiple rerating-41.5%
Dividend+2.8%
Residual / FX / buybacks / cross-term-36.4%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.