Cass Information Systems vs Repay
CASS and RPAY 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 RPAY compare
Cass Information Systems is the larger company, worth 1.9 times as much as Repay ($713M against $376M).
Repay grew revenue faster over the last twelve months (33.8% 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 −41.2% at Repay.
Cass Information Systems pays a dividend yielding 2.3%; Repay does not pay one.
Cass Information Systems scores higher on the StockData Score (15 against 6 for Repay), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CASS | RPAY |
|---|---|---|
| Size and price | ||
| Market cap | $713M | $376M |
| Share price | $55.71 | $4.18 |
| Change, 1 year | 33.4% | 15.8% |
| Change, 5 years | 23.7% | −77.6% |
| Beta (5Y) | 0.59 | 1.48 |
| Employees | 156 | 486 |
| StockData Score | ||
| Total score | 15 (better) | 6 |
| Valuation score | 2 | 3 (better) |
| Growth score | 1 | 2 (better) |
| Performance score | 4 (better) | 0 |
| Health score | 4 (better) | 1 |
| Dividend score | 4 (better) | 0 |
| Valuation | ||
| P/E | 19.1× | – |
| P/S | 3.5× | 0.9× (better) |
| P/B | 3.2× | 0.8× (better) |
| P/FCF | 21.4× | 4.3× (better) |
| PEG | 18.35 | – |
| FCF yield | 4.7% | 23.2% (better) |
| Fair value | $53.55 | $10.15 |
| Margin of safety | −4.0% | 58.8% (better) |
| Growth | ||
| Revenue growth (TTM) | 8.1% | 33.8% (better) |
| Revenue growth, 5Y average | 5.6% | 14.8% (better) |
| Net income growth (TTM) | 21.1% | – |
| EPS growth (TTM) | 24.9% | – |
| EPS growth, 5Y average | 8.6% | – |
| Profitability | ||
| Gross margin | – | 70.1% |
| Operating margin | – | −35.4% |
| Net margin | 18.9% (better) | −41.2% |
| FCF margin | 16.5% | 21.1% (better) |
| Return on equity | 16.3% (better) | −31.4% |
| Return on invested capital | – | −11.0% |
| Financial health | ||
| Debt / equity | 0.00 | 1.61 (better) |
| Interest coverage | – | −4.6× |
| Current ratio | – | 1.39 |
| Altman Z-score | 0.36 (better) | −0.34 |
| Piotroski F-score | 7 (better) | 4 |
| 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% | – |
| Shareholder yield | 4.3% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 61.3% | 80.1% |
| Held by insiders | 4.1% | 46.5% |
| Insider net buying, 12 months | – | $13.0M |
| Short interest, % of float | 3.2% | 7.7% |
Go deeper
- CASS stock overview
- CASS income statement
- CASS valuation and score
- RPAY stock overview
- RPAY income statement
- RPAY valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.