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Cass Information Systems, Inc. (CASS)

Company Dividend Discount ModelIndustry: Specialty Business ServicesSector: Industrials

Valuation Snapshot

Stable Growth$45.36 - $100.90$65.49
Multi-Stage$43.26 - $47.29$45.24
Blended Fair Value$55.36
Current Price$39.33
Upside40.76%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS1.56%5.84%1.211.181.141.141.151.120.970.790.740.71
YoY Growth--3.16%3.35%-0.03%-0.98%2.40%15.61%23.44%6.97%2.91%3.86%
Dividend Yield--2.81%2.48%2.63%3.08%2.48%3.19%2.06%1.59%1.47%1.80%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)31.52
(-) Cash Dividends Paid (M)16.58
(=) Cash Retained (M)14.95
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)6.303.942.36
Cash Retained (M)14.9514.9514.95
(-) Cash Required (M)-6.30-3.94-2.36
(=) Excess Retained (M)8.6411.0112.58
(/) Shares Outstanding (M)13.5713.5713.57
(=) Excess Retained per Share0.640.810.93
LTM Dividend per Share1.221.221.22
(+) Excess Retained per Share0.640.810.93
(=) Adjusted Dividend1.862.032.15
WACC / Discount Rate8.09%8.09%8.09%
Growth Rate3.84%4.84%5.84%
Fair Value$45.36$65.49$100.90
Upside / Downside15.34%66.51%156.55%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)31.5233.0534.6436.3238.0739.9141.11
Payout Ratio52.58%60.07%67.55%75.03%82.52%90.00%92.50%
Projected Dividends (M)16.5819.8523.4027.2531.4235.9238.03

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.09%8.09%8.09%
Growth Rate3.84%4.84%5.84%
Year 1 PV (M)18.1918.3618.54
Year 2 PV (M)19.6520.0320.41
Year 3 PV (M)20.9721.5822.20
Year 4 PV (M)22.1523.0223.91
Year 5 PV (M)23.2124.3525.53
PV of Terminal Value (M)482.80506.50531.12
Equity Value (M)586.96613.83641.71
Shares Outstanding (M)13.5713.5713.57
Fair Value$43.26$45.24$47.29
Upside / Downside9.98%15.02%20.24%

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