We initiate coverage of Cuscal. The firm is a critical but largely invisible payments utility, allowing smaller banks, mutuals, fintechs, corporates, and government agencies to offer card, BPAY, and direct-entry payments without building the infrastructure themselves.
No material client losses in the future.
Consolidation of mutual banks and credit societies shrinks the client pool, giving them greater negotiating power.
|
Metric
|
CCL
|
FISV
|
TYR
|
|---|---|---|---|
Price/Earnings (Normalized) | 27.43 | 6.30 | 12.68 |
Price/Book Value | 2.98 | 0.91 | 1.47 |
Price/Sales | 3.04 | 1.19 | 0.79 |
Price/Cash Flow | 2.77 | 4.69 | — |
|
Metric
|
CCL
|
FISV
|
TYR
|
|---|---|---|---|
Quick Ratio | 0.78 | 0.18 | 1.26 |
Current Ratio | 0.81 | 1.04 | 1.41 |
Interest Coverage | 0.12 | 3.10 | 17.52 |
|
Metric
|
CCL
|
FISV
|
TYR
|
|---|---|---|---|
Return on Assets (Normalized) | 1.01% | 5.11% | 5.33% |
Return on Equity (Normalized) | 11.57% | 15.91% | 11.16% |
Return on Invested Capital (Normalized) | 0.75% | 9.72% | 10.44% |
|
1-Day Chart
|
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Morningstar Rating for Stocks
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United States