Cass Information Systems Inc (CASS)vsCintas Corporation (CTAS)
CASS
Cass Information Systems Inc
$47.52
+0.95%
INDUSTRIALS · Cap: $605.85M
CTAS
Cintas Corporation
$179.85
-0.06%
INDUSTRIALS · Cap: $69.91B
Smart Verdict
WallStSmart Research — data-driven comparison
Cintas Corporation generates 5175% more annual revenue ($11.03B vs $209.05M). CTAS leads profitability with a 17.6% profit margin vs 16.7%. CASS trades at a lower P/E of 20.1x. CTAS earns a higher WallStSmart Score of 58/100 (C).
CASS
Hold50
out of 100
Grade: D+
CTAS
Buy58
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
-38.5%
Fair Value
$144.61
Current Price
$179.85
$35.24 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 27.8%
Every $100 of equity generates 40 in profit
Safe zone — low bankruptcy risk
Large-cap with strong market position
Strong operational efficiency at 23.2%
Areas to Watch
3.2% revenue growth
1.0% earnings growth
Smaller company, higher risk/reward
Premium valuation, high expectations priced in
Trading at 15.0x book value
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 : CTAS
The strongest argument for CTAS centers on Return on Equity, Altman Z-Score, Market Cap. Profitability is solid with margins at 17.6% and operating margin at 23.2%.
Bear Case : CASS
The primary concerns for CASS are Revenue Growth, EPS Growth, Market Cap.
Bear Case : CTAS
The primary concerns for CTAS are P/E Ratio, Price/Book, PEG Ratio.
Key Dynamics to Monitor
CASS profiles as a value stock while CTAS is a mature play — different risk/reward profiles.
CTAS carries more volatility with a beta of 0.96 — expect wider price swings.
CTAS is growing revenue faster at 8.9% — sustainability is the question.
CTAS generates stronger free cash flow (531M), providing more financial flexibility.
Bottom Line
CTAS scores higher overall (58/100 vs 50/100), backed by strong 17.6% 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.
Cintas Corporation
INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA
Cintas Corporation is an American corporation headquartered in Cincinnati, Ohio, which provides a range of products and services to businesses including uniforms, mats, mops, cleaning and restroom supplies, first aid and safety products, fire extinguishers and testing, and safety courses.
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