Cass Information Systems Inc (CASS)vsCopart Inc (CPRT)
CASS
Cass Information Systems Inc
$44.16
-0.14%
INDUSTRIALS · Cap: $568.38M
CPRT
Copart Inc
$33.08
+0.73%
INDUSTRIALS · Cap: $31.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Copart Inc generates 2124% more annual revenue ($4.61B vs $207.42M). CPRT leads profitability with a 33.8% profit margin vs 16.9%. CASS trades at a lower P/E of 18.8x. CASS earns a higher WallStSmart Score of 60/100 (C).
CASS
Buy60
out of 100
Grade: C
CPRT
Buy53
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
-265.5%
Fair Value
$10.81
Current Price
$33.08
$22.27 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%
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 34.6%
Safe zone — low bankruptcy risk
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Revenue declined 3.6%
Earnings declined 10.0%
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 : CPRT
The strongest argument for CPRT centers on Profit Margin, Operating Margin, Altman Z-Score. Profitability is solid with margins at 33.8% and operating margin at 34.6%.
Bear Case : CASS
The primary concerns for CASS are Market Cap.
Bear Case : CPRT
The primary concerns for CPRT are Piotroski F-Score, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
CASS profiles as a mature stock while CPRT is a declining play — different risk/reward profiles.
CPRT carries more volatility with a beta of 1.11 — expect wider price swings.
CASS is growing revenue faster at 6.2% — sustainability is the question.
CPRT generates stronger free cash flow (58M), providing more financial flexibility.
Bottom Line
CASS scores higher overall (60/100 vs 53/100), backed by strong 16.9% margins. 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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