Cass Information Systems IncCASS
Price$53.70Intrinsic value$43.5319% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $43.53median of 6 methods · middle span $38-$68based on filings through 30 Jun 2026
Market Price $53.70Price as of 1 Oct 2026
Margin of Safety -18.9%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 14.8% (near-term consensus, capped) · years 2–5: 1.4%/yr (balance of the path).3.9% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 61.9%Yr 72.4%Yr 82.9%Yr 93.4%Yr 103.9%
1.4% → 3.9%
Years 11–20: glide to long-run rate
Per-year rates
Yr 113.8%Yr 123.8%Yr 133.7%Yr 143.6%Yr 153.5%Yr 163.4%Yr 173.3%Yr 183.2%Yr 193.1%Yr 203.0%
3.9% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)3.9%
Discount rate (cost of equity) 7.6%
Volatility vs market (adjusted beta)0.60

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetCass Information Systems IncCASSFinancials
Valuation
P/E19.3×
P/S6.5×
P/B2.9×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin100.0%
Operating margin42.3%
Net margin34.0%
FCF margin38.8%
Returns
ROE15.0%
ROA1.5%
ROIC22.2%
Growth
Revenue growth (YoY)-1.8%
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.61×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield1.2%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.