Cass Information Systems Inc (CASS)vsGlobal Payments Inc (GPN)
CASS
Cass Information Systems Inc
$44.16
-0.14%
INDUSTRIALS · Cap: $568.38M
GPN
Global Payments Inc
$70.77
-0.28%
INDUSTRIALS · Cap: $19.81B
Smart Verdict
WallStSmart Research — data-driven comparison
Global Payments Inc generates 3615% more annual revenue ($7.71B vs $207.42M). GPN leads profitability with a 18.2% profit margin vs 16.9%. GPN trades at a lower P/E of 16.0x. GPN earns a higher WallStSmart Score of 63/100 (C+).
CASS
Buy60
out of 100
Grade: C
GPN
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.0%
Fair Value
$108.11
Current Price
$44.16
$63.95 discount
Margin of Safety
-139.8%
Fair Value
$30.12
Current Price
$70.77
$40.65 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 87.6% YoY
Reasonable price relative to book value
Strong operational efficiency at 29.7%
Growing faster than its price suggests
Reasonable price relative to book value
Attractively priced relative to earnings
Strong operational efficiency at 27.9%
Areas to Watch
Smaller company, higher risk/reward
0.0% revenue growth
ROE of 4.8% — below average capital efficiency
Earnings declined 59.2%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CASS
The strongest argument for CASS centers on EPS Growth, Price/Book, Operating Margin. Profitability is solid with margins at 16.9% and operating margin at 29.7%.
Bull Case : GPN
The strongest argument for GPN centers on PEG Ratio, Price/Book, P/E Ratio. Profitability is solid with margins at 18.2% and operating margin at 27.9%. PEG of 0.20 suggests the stock is reasonably priced for its growth.
Bear Case : CASS
The primary concerns for CASS are Market Cap.
Bear Case : GPN
The primary concerns for GPN are Revenue Growth, Return on Equity, EPS Growth.
Key Dynamics to Monitor
CASS profiles as a mature stock while GPN is a value play — different risk/reward profiles.
GPN carries more volatility with a beta of 0.73 — expect wider price swings.
CASS is growing revenue faster at 6.2% — sustainability is the question.
GPN generates stronger free cash flow (347M), providing more financial flexibility.
Bottom Line
GPN scores higher overall (63/100 vs 60/100), backed by strong 18.2% margins. CASS offers better value entry with a 58.0% margin of safety. Both earn "Buy" and "Buy" 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.
Global Payments Inc
INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA
Global Payments Inc. is an American company providing financial technology services globally headquartered in Atlanta, Georgia.
Visit Website →Compare with Other SPECIALTY BUSINESS SERVICES Stocks
Want to dig deeper into these stocks?