Cass Information Systems Inc (CASS)vsCopart Inc (CPRT)
CASS
Cass Information Systems Inc
$47.52
+0.95%
INDUSTRIALS · Cap: $605.85M
CPRT
Copart Inc
$30.96
+0.62%
INDUSTRIALS · Cap: $28.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Copart Inc generates 2119% more annual revenue ($4.64B vs $209.05M). CPRT leads profitability with a 33.5% profit margin vs 16.7%. CPRT trades at a lower P/E of 19.1x. CPRT earns a higher WallStSmart Score of 57/100 (C).
CASS
Hold50
out of 100
Grade: D+
CPRT
Buy57
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+31.9%
Fair Value
$66.71
Current Price
$47.52
$19.19 discount
Margin of Safety
+77.0%
Fair Value
$172.07
Current Price
$30.96
$141.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 27.8%
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 37.5%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Areas to Watch
3.2% revenue growth
1.0% earnings growth
Smaller company, higher risk/reward
2.1% revenue growth
2.3% earnings growth
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : CASS
The strongest argument for CASS centers on Price/Book, Operating Margin. Profitability is solid with margins at 16.7% and operating margin at 27.8%.
Bull Case : CPRT
The strongest argument for CPRT centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 33.5% and operating margin at 37.5%.
Bear Case : CASS
The primary concerns for CASS are Revenue Growth, EPS Growth, Market Cap.
Bear Case : CPRT
The primary concerns for CPRT are Revenue Growth, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
CPRT carries more volatility with a beta of 1.00 — expect wider price swings.
CASS is growing revenue faster at 3.2% — sustainability is the question.
CPRT generates stronger free cash flow (503M), providing more financial flexibility.
Monitor SPECIALTY BUSINESS SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CPRT scores higher overall (57/100 vs 50/100), backed by strong 33.5% margins. CASS offers better value entry with a 31.9% margin of safety. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Cass Information Systems Inc
INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA
Cass Information Systems, Inc. provides information processing and payment services to manufacturing, distribution and retail companies in the United States. The company is headquartered in St. Louis, Missouri.
Copart Inc
INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA
Copart, Inc. or simply Copart is a global provider of online vehicle auction and remarketing services to automotive resellers such as insurance, rental car, fleet and finance companies in 11 countries: the US, Canada, the UK, Germany, Ireland, Brazil, Spain, Dubai, Bahrain, Oman and Finland.
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