Cass Information Systems Inc (CASS)vsCopart Inc (CPRT)
CASS
Cass Information Systems Inc
$53.87
-1.07%
INDUSTRIALS · Cap: $700.11M
CPRT
Copart Inc
$28.96
+0.14%
INDUSTRIALS · Cap: $25.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Copart Inc generates 2070% more annual revenue ($4.67B vs $214.99M). CPRT leads profitability with a 31.8% profit margin vs 17.1%. CPRT trades at a lower P/E of 18.0x. CASS earns a higher WallStSmart Score of 64/100 (C+).
CASS
Buy64
out of 100
Grade: C+
CPRT
Buy60
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+33.0%
Fair Value
$67.81
Current Price
$53.87
$13.94 discount
Margin of Safety
+76.1%
Fair Value
$165.55
Current Price
$28.96
$136.59 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 31.6%
Reasonable price relative to book value
Earnings expanding 24.3% YoY
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 32.0%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
2.4% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 15.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : CASS
The strongest argument for CASS centers on Operating Margin, Price/Book, EPS Growth. Profitability is solid with margins at 17.1% and operating margin at 31.6%. Revenue growth of 12.2% demonstrates continued momentum.
Bull Case : CPRT
The strongest argument for CPRT centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 31.8% and operating margin at 32.0%.
Bear Case : CASS
The primary concerns for CASS are Market Cap, Altman Z-Score.
Bear Case : CPRT
The primary concerns for CPRT are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
CASS profiles as a mature stock while CPRT is a value play — different risk/reward profiles.
CPRT carries more volatility with a beta of 1.06 — expect wider price swings.
CASS is growing revenue faster at 12.2% — sustainability is the question.
CPRT generates stronger free cash flow (279M), providing more financial flexibility.
Bottom Line
CASS scores higher overall (64/100 vs 60/100), backed by strong 17.1% margins and 12.2% revenue growth. CPRT offers better value entry with a 76.1% 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.
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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