Cass Information Systems vs Paysign
CASS and PAYS side by side, both in miscellaneous business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CASS and PAYS compare
Cass Information Systems is the larger company, worth 1.3 times as much as Paysign ($713M against $538M).
On earnings, Cass Information Systems is cheaper: it trades at 19.1× trailing earnings, against 28.8× for Paysign.
Paysign grew revenue faster over the last twelve months (46.7% versus 8.1% for Cass Information Systems).
Cass Information Systems keeps more of each dollar of sales as profit, with a net margin of 18.9% compared with 18.5% at Paysign.
Cass Information Systems pays a dividend yielding 2.3%; Paysign does not pay one.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CASS | PAYS |
|---|---|---|
| Size and price | ||
| Market cap | $713M | $538M |
| Share price | $55.71 | $9.52 |
| Change, 1 year | 33.4% | 74.0% |
| Change, 5 years | 23.7% | 387% |
| Beta (5Y) | 0.59 | 1.34 |
| Employees | 156 | 80 |
| StockData Score | ||
| Total score | 15 | 15 |
| Valuation score | 2 | 3 (better) |
| Growth score | 1 | 5 (better) |
| Performance score | 4 | 4 |
| Health score | 4 (better) | 3 |
| Dividend score | 4 (better) | 0 |
| Valuation | ||
| P/E | 19.1× (better) | 28.8× |
| P/S | 3.5× (better) | 4.9× |
| P/B | 3.2× (better) | 8.1× |
| EV/EBITDA | – | 15.7× |
| P/FCF | 21.4× | 4.1× (better) |
| PEG | 18.35 | 0.33 (better) |
| FCF yield | 4.7% | 24.2% (better) |
| Fair value | $53.55 | $11.37 |
| Margin of safety | −4.0% | 16.3% (better) |
| Growth | ||
| Revenue growth (TTM) | 8.1% | 46.7% (better) |
| Revenue growth, 5Y average | 5.6% | 27.7% (better) |
| Net income growth (TTM) | 21.1% | 168% (better) |
| EPS growth (TTM) | 24.9% | 154% (better) |
| EPS growth, 5Y average | 8.6% | – |
| Profitability | ||
| Gross margin | – | 63.0% |
| Operating margin | – | 20.8% |
| Net margin | 18.9% (better) | 18.5% |
| FCF margin | 16.5% | 118% (better) |
| Return on equity | 16.3% | 36.2% (better) |
| Return on invested capital | – | 42.7% |
| Financial health | ||
| Debt / equity | 0.00 | 0.08 (better) |
| Net debt / EBITDA | – | −0.90 |
| Current ratio | – | 1.15 |
| Altman Z-score | 0.36 | 1.96 (better) |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Dividend yield | 2.3% | – |
| Payout ratio | 43.1% | – |
| Years of dividend growth | 9 | – |
| Dividend growth, 5Y average | 3.0% | – |
| Buyback yield | 2.0% (better) | 0.00% |
| Shareholder yield | 4.3% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 61.3% | 53.6% |
| Held by insiders | 4.1% | 53.5% |
| Insider net buying, 12 months | – | −$8.4M |
| Short interest, % of float | 3.2% | 9.3% |
Go deeper
- CASS stock overview
- CASS income statement
- CASS valuation and score
- PAYS stock overview
- PAYS income statement
- PAYS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.