Financial Comparison: Treasure Global (NASDAQ:TGL) and Cass Information Systems (NASDAQ:CASS)

Cass Information Systems (NASDAQ:CASS) and Treasure Global (NASDAQ:TGL) are both small-cap computer and technology companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, profitability, institutional ownership, dividends, earnings, valuation and risk.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Cass Information Systems and Treasure Global, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Cass Information Systems	0	0	1	0	3.00
Treasure Global	0	0	0	0	0.00

Cass Information Systems currently has a consensus price target of $45.00, indicating a potential upside of 13.41%. Given Cass Information Systems’ stronger consensus rating and higher possible upside, equities analysts plainly believe Cass Information Systems is more favorable than Treasure Global.

Valuation & Earnings

This table compares Cass Information Systems and Treasure Global”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cass Information Systems	$190.24 million	2.81	$19.17 million	$1.38	28.75
Treasure Global	$2.40 million	1.66	-$6.59 million	N/A	N/A

Cass Information Systems has higher revenue and earnings than Treasure Global.

Risk & Volatility

Cass Information Systems has a beta of 0.49, suggesting that its share price is 51% less volatile than the S&P 500. Comparatively, Treasure Global has a beta of 3.3, suggesting that its share price is 230% more volatile than the S&P 500.

Profitability

This table compares Cass Information Systems and Treasure Global’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Cass Information Systems	9.62%	8.25%	0.84%
Treasure Global	-185.07%	-57.02%	-51.24%

Institutional & Insider Ownership

59.1% of Cass Information Systems shares are owned by institutional investors. 3.2% of Cass Information Systems shares are owned by insiders. Comparatively, 0.0% of Treasure Global shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

Cass Information Systems beats Treasure Global on 11 of the 12 factors compared between the two stocks.

About Cass Information Systems

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. The company operates through two segments, Information Services and Banking Services. Its services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The company also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions, as well as church management software solution and on-line platform to provide generosity services for faith-based and non-profit organizations. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as demand, savings, time, and money market deposits; commercial, industrial, commercial real estate, and construction and land development loans; and cash management services to privately held businesses, restaurant franchises, and faith-related ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and leased facilities in Colorado Springs, Colorado. The company was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. Cass Information Systems, Inc. was founded in 1906 and is headquartered in Saint Louis, Missouri.

About Treasure Global

Treasure Global Inc. offers e-commerce activities through its platform. Its platform provides consumers and merchants instant rebates and affiliate cashback programs, while providing a seamless e-payment solution with rebates in both e-commerce and physical retailers/merchant settings. The company offers ZCITY App, a payment gateway platform. Treasure Global Inc. was incorporated in 2020 and is based in New York, New York.