WinstonWınston
Back
Cass Information Systems logo

Cass Information Systems

CASS
68
Specialty Business Services · Industrials
Exchange
NASDAQ
Winston Score
68
Winston is curious
A decent business — some strong pillars, some weaker.

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, gas, waste, and telecommunications ex

Winston Score History

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin
100.0%
Premium pricing power — 100.0% gross margin
Operating Margin
22.2%
Excellent — 22.2% operating margin
ROCE
2.8%
Weak — 2.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY
-3.1%
Shrinking sales (-3.1% YoY)
EPS YoY
+72.9%
Earnings growing fast (72.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion
87%
Modest — 87% of profit becomes cash
FCF Margin
12.6%
Converts sales into free cash efficiently (12.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity
0.60
Conservative — low debt load (0.60)
Interest Cover
9.97x
Comfortably covers interest (10.0x)

Interest coverage above 8. Profits cover interest many times over.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)
19.4x
no trend
Fair value — P/E 19.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward
+1.8
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend Yield
2.42%
no trend
Moderate income — 2.42% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth
+3.3%
no trend
Dividend growing modestly (3.3% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free
🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.
Start free trial