CASS
Cass Information Systems, Inc.
CASS offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
CAT
Caterpillar Inc.
CAT has a slight edge over CASS overall, supported by stronger modeled upside and stronger fundamentals.
CASS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Stable | |
| Strong |
CASS's revenue, profitability and balance sheet are currently healthy, and its cash flow is stable.
CAT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Strong |
CAT's revenue, profitability, cash flow and balance sheet are all currently healthy.
CASS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 16x | $55.33 | — |
| Cheap | 17x | $48.78 | -12% |
| Current | 19x | $55.33 | — |
| Fair | 20x | $58.10 | +5% |
| Expensive | 25x | $71.98 | +30% |
Historical ranges are pointers, not guarantees.
CASS has the edge over CAT in the historical PE scenario, which offers more potential upside but is not a forecast.
CAT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 15x | $380 | -37% |
| Fair | 18x | $461 | -24% |
| Forward | 20x | $605 | — |
| Current | 24x | $605 | — |
| Expensive | 33x | $840 | +39% |
Historical ranges are pointers, not guarantees.
CAT's PE is in its expensive range at 24x. If earnings grow as analysts expect, today's price would be 20x next year's earnings, in its fair range.
CASS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CASS, with profitability improving.
CAT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Moderate | |
| Low |
Analysts expect earnings and revenue growth for CAT, with profitability improving. However, they disagree widely on these estimates.
CASS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.45 | +19% |
| Q3 2026 | $2.90 | +24% |
| Q2 2026 | $2.77 | +48% |
| Q1 2026 | $2.62 | +71% |
| Q4 2025 | $2.61 | +88% |
| Q3 2025 | $2.34 | +41% |
| Q2 2025 | $1.87 | -6% |
| Q1 2025 | $1.53 | -30% |
| Q4 2024 | $1.39 | -36% |
CASS has the edge over CAT on earnings, with more consistent year-over-year improvement.
CAT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $30.32 | +19% |
| Q3 2026 | $25.48 | +31% |
| Q2 2026 | $23.23 | +18% |
| Q1 2026 | $20.08 | -2% |
| Q4 2025 | $18.81 | -15% |
| Q3 2025 | $19.46 | -9.7% |
| Q2 2025 | $19.64 | -10% |
| Q1 2025 | $20.50 | -7.4% |
| Q4 2024 | $22.05 | +9.6% |
CAT earned $25.48 per share over the past year, up 31% from the year before.
CASS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $52.5M | +5.3% |
| Q2 2026 | $50.5M | +14% |
| Q1 2026 | $49.2M | +3.9% |
| Q4 2025 | $49.5M | -1.9% |
| Q3 2025 | $49.9M | -1.1% |
| Q2 2025 | $44.4M | -9.3% |
| Q1 2025 | $47.3M | -4.9% |
| Q4 2024 | $50.5M | -0.1% |
CASS's revenue has picked up after two years of holding roughly level: $52M last quarter, up 5.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | +1.3 points |
| Q2 2026 | 26% | +12 points |
| Q1 2026 | 22% | -0.8 points |
| Q4 2025 | 20% | +8.8 points |
| Q3 2025 | 23% | +16 points |
| Q2 2025 | 14% | +2.3 points |
| Q1 2025 | 23% | +4.9 points |
| Q4 2024 | 11% | -9.1 points |
CASS has the edge over CAT on profitability, with a higher operating margin.
CAT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.7B | +17% |
| Q2 2026 | $20.5B | +24% |
| Q1 2026 | $17.4B | +22% |
| Q4 2025 | $19.1B | +18% |
| Q3 2025 | $17.6B | +9.5% |
| Q2 2025 | $16.6B | -0.7% |
| Q1 2025 | $14.2B | -9.8% |
| Q4 2024 | $16.2B | -5% |
CAT has the edge over CASS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 20% | +3.1 points |
| Q2 2026 | 21% | +3.6 points |
| Q1 2026 | 18% | -0.4 points |
| Q4 2025 | 14% | -4.1 points |
| Q3 2025 | 17% | -2.2 points |
| Q2 2025 | 17% | -3.6 points |
| Q1 2025 | 18% | -4.2 points |
| Q4 2024 | 18% | -0.3 points |
CAT's operating margin was 20% last quarter, up 3.1 points from the same quarter a year ago.
CASS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.7M | -76% |
| Q2 2026 | $13.8M | +$16.5M |
| Q1 2026 | $12.7M | -33% |
| Q4 2025 | $4.1M | -76% |
| Q3 2025 | $11.3M | +$13.6M |
| Q2 2025 | -$2.6M | -130% |
| Q1 2025 | $19M | +208% |
| Q4 2024 | $17.1M | +558% |
CASS generated $33M in free cash flow over the past year, down 26% from the year before.
CAT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +19% |
| Q2 2026 | $3.8B | +47% |
| Q1 2026 | $1.1B | +97% |
| Q4 2025 | $2.7B | +0.1% |
| Q3 2025 | $3.1B | -1.5% |
| Q2 2025 | $2.6B | -4.2% |
| Q1 2025 | $579M | -63% |
| Q4 2024 | $2.7B | -22% |
CAT generated $11.3B in free cash flow over the past year, up 26% from the year before.
CASS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -27.5K shares |
| 1 year | -2.7% | -358K shares |
| 3 years | -5.4% | -751K shares |
| 5 years | -8.7% | -1.2M shares |
| Available history | -11% | -1.7M shares |
CASS has the edge over CAT on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $3.1M |
| Q1 2026 | $2.9M |
| Q4 2025 | $8.3M |
| Q3 2025 | $6.7M |
| Q2 2025 | $5.9M |
| Q1 2025 | $5.1M |
| Q4 2024 | $3.5M |
CASS spent $14M buying back its own shares over the past year, down 33% from the year before.
CAT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -1.6M shares |
| 1 year | -2.1% | -9.9M shares |
| 3 years | -10% | -51.7M shares |
| 5 years | -16% | -86.7M shares |
| Available history | -19% | -107M shares |
CAT has 461M diluted shares, down 2.1% from a year ago, with $8.1B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.2B |
| Q2 2026 | $1.5B |
| Q1 2026 | $5B |
| Q4 2025 | $340M |
| Q3 2025 | $362M |
| Q2 2025 | $828M |
| Q1 2025 | $3.7B |
| Q4 2024 | $640M |
CAT spent $8.1B buying back its own shares over the past year, up 47% from the year before.
CASS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.4x | Net Cash |
| Q2 2026 | 0.7x | Very low |
| Q1 2026 | 2.4x | Moderate |
| Q4 2025 | -0.6x | Net Cash |
| Q3 2025 | -0.7x | Net Cash |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | -0.4x | Net Cash |
| Q4 2024 | -0.6x | Net Cash |
CASS has more cash than debt.
CAT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | 2.0x | Healthy |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -0.4x | Net Cash |
| Q1 2025 | -0.3x | Net Cash |
| Q4 2024 | 1.6x | Healthy |
CAT has the edge over CASS on leverage, with a lower net debt burden relative to earnings.
CASS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.8 | Neutral |
| Stochastic | 30.2 | Neutral |
CASS's weekly RSI is 60 (neutral) and its Stochastic is 30 (neutral).
CAT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.7 | Neutral |
| Stochastic | 6.7 | Oversold |
CAT's weekly RSI is 33 (neutral) and its Stochastic is 7 (oversold).
CASS PE vs Industrials Sector
| Metric | CASS | Sector median | Relative |
|---|---|---|---|
| PE | 19x | 24x | 21% below |
| PE % | 40 | 58 | 18 pts below |
CASS has the edge over CAT on valuation relative to its sector.
CAT PE vs Industrials Sector
| Metric | CAT | Sector median | Relative |
|---|---|---|---|
| PE | 24x | 24x | 1.3% below |
| PE % | 69 | 58 | 11 pts above |
CAT is trading at 24x earnings, in line with the Industrials sector's median of 24x.
CASS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $54.2 | 2.1% above |
| 20 week MA | $54.8 | 0.9% above |
| 50 week MA | $49.2 | 12% above |
| 100 week MA | $45.4 | 22% above |
| 200 week MA | $43.9 | 26% above |
CASS has the edge over CAT on trend strength, trading above more of its moving averages.
CAT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $709.0 | 15% below |
| 20 week MA | $797.0 | 24% below |
| 50 week MA | $771.3 | 22% below |
| 100 week MA | $586.7 | 3.2% above |
| 200 week MA | $443.1 | 37% above |
CAT has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 37% above its 200-week average.
CASS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $58.5 | $38.1 | -35% |
| 2021 | $38.1 | $40.3 | +5.7% |
| 2022 | $40.3 | $44.6 | +11% |
| 2023 | $44.6 | $45.1 | +0.9% |
| 2024 | $45.1 | $41.0 | -8.9% |
| 2025 | $41.0 | $42.3 | +3.1% |
| 2026 YTD | $42.3 | $55.3 | +31% |
CASS has the edge over CAT on returns for 2026, with the stronger performance.
CAT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $148.3 | $179.6 | +21% |
| 2021 | $179.6 | $206.2 | +15% |
| 2022 | $206.2 | $239.9 | +16% |
| 2023 | $239.9 | $295.7 | +23% |
| 2024 | $295.7 | $364.9 | +23% |
| 2025 | $364.9 | $583.0 | +60% |
| 2026 YTD | $583.0 | $605.3 | +3.8% |
CAT has finished every year since 2020 higher, and it's up 3.8% so far in 2026.