Cass Information Systems, Inc (CASS) vs Ennis, Inc. (EBF)

Cass Information Systems, Inc and Ennis, Inc. are both Specialty Business Services companies. Cass Information Systems, Inc is the larger, with a market value of $688.8M against $525.3M — 1.3× the size. Ennis, Inc. trades at the lower P/E: 13.5× against 18.9×. Cass Information Systems, Inc grew revenue faster over the last twelve months: 4.55% against 2.27%. Cass Information Systems, Inc has the higher net margin (17.4% vs 9.81%) and the higher return on invested capital (176.3% vs 13.0%). Both pay a dividend; Ennis, Inc. yields more (4.86% vs 2.38%). Across the 21 metrics below, Ennis, Inc. leads on 13 and Cass Information Systems, Inc on 8.

Valuation

Metric CASS EBF Specialty Business Services median
P/E 18.90 13.53 25.69
P/S 3.26 1.33 1.17
P/B 2.81 1.68 2.31
Price to free cash flow 16.40 9.14 16.50
EV/EBITDA n/m 7.05 11.75
EV/Sales 2.17 1.27 1.57
Earnings yield 5.29% 7.39% 1.74%
Free cash flow yield 6.10% 10.94% 1.23%

Profitability

Metric CASS EBF Specialty Business Services median
Gross margin 94.30% 30.63% 32.79%
Operating margin 0.00% 13.64% 3.53%
Net margin 17.40% 9.81% 1.82%
Free cash flow margin 19.86% 14.50% 3.00%
Return on equity 15.12% 12.57% 0.00%
Return on assets 1.52% 10.71% 0.00%
Return on invested capital 176.26% 13.02% 0.65%

Growth

Metric CASS EBF Specialty Business Services median
Revenue growth (TTM) 4.55% 2.27% 4.55%
EPS growth (last fiscal year) 87.77% 7.79% 5.60%
Revenue growth, 5-year CAGR 6.97% 1.85% 7.66%
Net income growth, 5-year CAGR 6.88% 12.09% 0.00%

Health

Metric CASS EBF Specialty Business Services median
Debt to equity 0.00 0.00 0.24
Current ratio 0.61 3.79 1.77
Net debt to EBITDA 0.00 (0.50) 0.69

Dividend

Metric CASS EBF Specialty Business Services median
Dividend yield 2.38% 4.86% 2.29%
Payout ratio 0.46 0.66 0.42

Size

Metric CASS EBF Specialty Business Services median
Market cap 688.84m 525.34m 757.81m

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