COMP <GO>
CASS vs MA // NET PROFIT MARGIN
Cass Information Systems Inc (NASDAQ) VS. Mastercard Incorporated (NYSE) • 15-METRIC TALLY: CASS 3
— MA 6
▲ NET PROFIT MARGIN LEADER: MA
LAST: $53.71 (-0.30%) • MKT CAP: $687.8M
net-margins
32.50%
LAST: $635.70 (+4.16%) • MKT CAP: $556.88B
net-margins
45.60%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CASS VS. MA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CASS | MA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 14.50% | 33.50% | -19.00 | MA | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 29.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.62% | 3.08% | +1.54 | CASS | /fcf-yield <GO> |
| Operating Margin | — | 57.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 32.50% | 45.60% | -13.10 | MA | /net-margins <GO> |
| Revenue Growth (YoY) | -1.80% | 16.40% | -18.20 | MA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.40% | 0.49% | +1.91 | CASS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 11.17 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 8/9 | -3.00 | MA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 39.5 | 68.8 | -29.31 | MA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.2x | 31.2x | -13.00 | CASS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $687.8M | $556.88B | -$556.19B | MA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CASS REV | MA REV | CASS GROSS % | MA GROSS % | CASS FCF | MA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $108.0M | $32.79B | — | — | $31.8M | $17.16B |
| FY 2024 | $109.9M | $28.17B | — | — | $30.4M | $14.31B |
| FY 2023 | $106.1M | $25.10B | — | — | $36.9M | $10.85B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CASS // BETA —
MA // BETA 0.90