Cass Information Systems Inc (CASS)vsGlobal Payments Inc (GPN)
CASS
Cass Information Systems Inc
$55.18
+0.18%
INDUSTRIALS · Cap: $706.64M
GPN
Global Payments Inc
$88.29
-0.29%
INDUSTRIALS · Cap: $24.54B
Smart Verdict
WallStSmart Research — data-driven comparison
Global Payments Inc generates 4648% more annual revenue ($10.21B vs $214.99M). CASS leads profitability with a 17.1% profit margin vs -9.2%. CASS trades at a lower P/E of 19.9x. CASS earns a higher WallStSmart Score of 64/100 (C+).
CASS
Buy64
out of 100
Grade: C+
GPN
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+33.4%
Fair Value
$68.15
Current Price
$55.18
$12.97 discount
Margin of Safety
+49.5%
Fair Value
$142.91
Current Price
$88.29
$54.62 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
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 68.6% year-over-year
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Premium valuation, high expectations priced in
ROE of -4.1% — below average capital efficiency
Earnings declined 95.2%
Distress zone — elevated risk
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 : GPN
The strongest argument for GPN centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 68.6% demonstrates continued momentum. PEG of 0.27 suggests the stock is reasonably priced for its growth.
Bear Case : CASS
The primary concerns for CASS are Market Cap, Altman Z-Score.
Bear Case : GPN
The primary concerns for GPN are P/E Ratio, Return on Equity, EPS Growth. A P/E of 44.0x leaves little room for execution misses.
Key Dynamics to Monitor
CASS profiles as a mature stock while GPN is a hypergrowth play — different risk/reward profiles.
GPN carries more volatility with a beta of 0.78 — expect wider price swings.
GPN is growing revenue faster at 68.6% — sustainability is the question.
GPN generates stronger free cash flow (427M), providing more financial flexibility.
Bottom Line
CASS scores higher overall (64/100 vs 59/100), backed by strong 17.1% margins and 12.2% revenue growth. GPN offers better value entry with a 49.5% 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.
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