CASS
Cass Information Systems·NASDAQ
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7.84 / 10
Outperform
CASS demonstrates favorable fundamentals (score 7.8/10). Key strengths include high operating revenue growth (92.66% YoY) and strong asset turnover ratios, indicating efficient utilization of resources. However, limitations such as a 100% total profit to EBIT ratio (suggesting earnings volatility) and elevated leverage (asset-liability ratio 90.08%) temper the outlook. These factors collectively support a very promising yet cautious investment view, as historical data shows mixed returns across different fundamental groups.
Analysis Checks(7/10)
Asset-liability ratio (%)
Value90.08
Score1/3
Weight0.02%
1M Return0.09%
Value90.08
Score1/3
Weight0.02%
1M Return0.09%
Equity multiplier
Value10.08
Score3/3
Weight18.36%
1M Return77.17%
Value10.08
Score3/3
Weight18.36%
1M Return77.17%
Equity ratio (Total liabilities / Shareholders’ equity attributable to parent company) (%)
Value9.08
Score3/3
Weight18.30%
1M Return77.26%
Value9.08
Score3/3
Weight18.30%
1M Return77.26%
Current assets turnover ratio
Value1.78
Score2/3
Weight0.62%
1M Return2.45%
Value1.78
Score2/3
Weight0.62%
1M Return2.45%
Total assets turnover ratio
Value0.58
Score3/3
Weight19.80%
1M Return79.11%
Value0.58
Score3/3
Weight19.80%
1M Return79.11%
Total operating revenue (YoY growth rate %)
Value4.15
Score1/3
Weight0.09%
1M Return0.37%
Value4.15
Score1/3
Weight0.09%
1M Return0.37%
ROE (diluted) (YoY growth rate %)
Value10.18
Score3/3
Weight22.91%
1M Return82.15%
Value10.18
Score3/3
Weight22.91%
1M Return82.15%
Total profit / EBIT (%)
Value100.00
Score1/3
Weight0.40%
1M Return1.76%
Value100.00
Score1/3
Weight0.40%
1M Return1.76%
Operating revenue (YoY growth rate %)
Value92.66
Score3/3
Weight19.31%
1M Return80.29%
Value92.66
Score3/3
Weight19.31%
1M Return80.29%
Current ratio
Value9.92
Score2/3
Weight0.17%
1M Return0.77%
Value9.92
Score2/3
Weight0.17%
1M Return0.77%
Asset-liability ratio (%)
Value90.08
Score1/3
Weight0.02%
1M Return0.09%
Value90.08
Score1/3
Weight0.02%
1M Return0.09%
Total operating revenue (YoY growth rate %)
Value4.15
Score1/3
Weight0.09%
1M Return0.37%
Value4.15
Score1/3
Weight0.09%
1M Return0.37%
Equity multiplier
Value10.08
Score3/3
Weight18.36%
1M Return77.17%
Value10.08
Score3/3
Weight18.36%
1M Return77.17%
ROE (diluted) (YoY growth rate %)
Value10.18
Score3/3
Weight22.91%
1M Return82.15%
Value10.18
Score3/3
Weight22.91%
1M Return82.15%
Equity ratio (Total liabilities / Shareholders’ equity attributable to parent company) (%)
Value9.08
Score3/3
Weight18.30%
1M Return77.26%
Value9.08
Score3/3
Weight18.30%
1M Return77.26%
Total profit / EBIT (%)
Value100.00
Score1/3
Weight0.40%
1M Return1.76%
Value100.00
Score1/3
Weight0.40%
1M Return1.76%
Current assets turnover ratio
Value1.78
Score2/3
Weight0.62%
1M Return2.45%
Value1.78
Score2/3
Weight0.62%
1M Return2.45%
Operating revenue (YoY growth rate %)
Value92.66
Score3/3
Weight19.31%
1M Return80.29%
Value92.66
Score3/3
Weight19.31%
1M Return80.29%
Total assets turnover ratio
Value0.58
Score3/3
Weight19.80%
1M Return79.11%
Value0.58
Score3/3
Weight19.80%
1M Return79.11%
Current ratio
Value9.92
Score2/3
Weight0.17%
1M Return0.77%
Value9.92
Score2/3
Weight0.17%
1M Return0.77%
Is CASS undervalued or overvalued?
- CASS scores 7.84/10 on fundamentals and holds a Discounted valuation at present. Backed by its 11.40% ROE, 15.36% net margin, 19.09 P/E ratio, 2.47 P/B ratio, and 39.41% earnings growth, these metrics solidify its Outperform investment rating.
