COMP <GO>
CASS vs PHR // EV/EBITDA & P/E VALUATION
Cass Information Systems Inc (NASDAQ) VS. Phreesia Inc. (NYSE) • 15-METRIC TALLY: CASS 3
— PHR 5
■ METRIC PARITY
LAST: $53.71 (-0.30%) • MKT CAP: $687.8M
valuation
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LAST: $12.53 (+1.29%) • MKT CAP: $777.7M
valuation
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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CASS VS. PHR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CASS | PHR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 14.50% | -2.00% | +16.50 | CASS | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.62% | 8.71% | -4.09 | PHR | /fcf-yield <GO> |
| Operating Margin | — | -1.40% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 32.50% | 0.50% | +32.00 | CASS | /net-margins <GO> |
| Revenue Growth (YoY) | -1.80% | 14.00% | -15.80 | PHR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.40% | 0.00% | +2.40 | CASS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 0.59 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 7/9 | -2.00 | PHR | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 39.5 | 67.0 | -27.49 | PHR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.2x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $687.8M | $777.7M | -$89.9M | PHR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CASS REV | PHR REV | CASS GROSS % | PHR GROSS % | CASS FCF | PHR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $108.0M | $467.8M | — | — | $31.8M | $67.7M |
| FY 2024 | $109.9M | $410.5M | — | — | $30.4M | $23.7M |
| FY 2023 | $106.1M | $346.0M | — | — | $36.9M | -$32.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CASS // BETA —
PHR // BETA —