CSGS vs MBIN

Comparison between CSG Systems International Inc (CSGS, Company) and Merchants Bancorp (MBIN, Company).

CSGS is from the Technology sector, while MBIN is from the Financial Services sector.

5-Year PerformanceCSGS has outperformed MBIN, delivering a return of +14.4% compared to +14.3%

CSGS vs MBIN - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CSGS(COMPANY)	MBIN(COMPANY)
Market Cap	$2.30B	$2.30B
Max Drawdown	88.60%	54.94%
Sharpe Ratio	1.00	1.26
5Y Beta	N/A	0.88
Industry	Software - Application	Banks - Regional
P/E Ratio	36.26	10.06
Forward P/E	15.60	N/A
Dividend Yield	1.61%	0.82%
5Y Dividends CAGR	18.10%	13.13%
5Y EPS CAGR	5.24%	-0.32%
Debt to Equity	183.81%	0.00%
Free Cash Flow Yield	5.71%	-47.94%
P/S Ratio	N/A	3.93
P/B Ratio	N/A	1.29

Market Cap

Winner

CSGS

$2.30B

MBIN

$2.30B

Max Drawdown

CSGS

88.60%

Winner

MBIN

54.94%

Sharpe Ratio

CSGS

1.00

Winner

MBIN

1.26

5Y Beta

CSGS

N/A

MBIN

0.88

Industry

CSGS

Software - Application

MBIN

Banks - Regional

P/E Ratio

CSGS

36.26

Winner

MBIN

10.06

Forward P/E

CSGS

15.60

MBIN

N/A

Dividend Yield

Winner

CSGS

1.61%

MBIN

0.82%

5Y Dividends CAGR

Winner

CSGS

18.10%

MBIN

13.13%

5Y EPS CAGR

Winner

CSGS

5.24%

MBIN

-0.32%

Debt to Equity

CSGS

183.81%

Winner

MBIN

0.00%

Free Cash Flow Yield

Winner

CSGS

5.71%

MBIN

-47.94%

P/S Ratio

CSGS

N/A

MBIN

3.93

P/B Ratio

CSGS

N/A

MBIN

1.29

CSGS vs MBIN - Historical Returns

Returns include dividend reinvestment.

Period	CSGS	MBIN
1 month	+0.67%	+7.14%
3 months	+1.73%	+16.02%
6 months	+3.99%	+49.03%
1 year	+26.43%	+50.44%
5 years(CAGR)	+14.43%	+14.26%
10 years(CAGR)	+9.02%	+20.25%
Max(CAGR)	+4.30%	+20.25%

CSGS

+0.67%

Winner

MBIN

+7.14%

CSGS

+1.73%

Winner

MBIN

+16.02%

CSGS

+3.99%

Winner

MBIN

+49.03%

CSGS

+26.43%

Winner

MBIN

+50.44%

5Y(CAGR)

Winner

CSGS

+14.43%

MBIN

+14.26%

10Y(CAGR)

CSGS

+9.02%

Winner

MBIN

+20.25%

Max(CAGR)

CSGS

+4.30%

Winner

MBIN

+20.25%

CSGS vs MBIN - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CSGS	MBIN
2026	+5.57%	+51.46%
2025	+54.64%	-4.28%
2024	-1.30%	-11.59%
2023	-6.67%	+78.46%
2022	-1.21%	-21.45%
2021	+30.97%	+71.57%
2020	-11.90%	+45.19%
2019	+64.62%	-0.29%
2018	-26.75%	+0.99%
2017	-8.03%	+17.42%
2016	+41.01%	N/A
2015	+50.38%	N/A
2014	-12.07%	N/A
2013	+60.73%	N/A
2012	+20.64%	N/A
2011	-23.47%	N/A
2010	-3.86%	N/A
2009	+7.49%	N/A
2008	+22.25%	N/A
2007	-43.51%	N/A
2006	+19.33%	N/A
2005	+22.84%	N/A
2004	+45.64%	N/A
2003	-8.50%	N/A
2002	-66.30%	N/A
2001	-9.61%	N/A
2000	+11.92%	N/A
1999	+15.16%	N/A

CSGS vs MBIN Drawdown Comparison

The maximum drawdown for CSGS was -88.60%, occurring on Apr 4, 2003. Recovery took 5521 trading sessions.

The maximum drawdown for MBIN was -53.74%, occurring on Apr 15, 2020. Recovery took 608 trading sessions.

The current MBIN drawdown is -2.90%.

Rank	CSGS	MBIN
#1	-88.60% Mar 17, 2000 - Feb 25, 2022	-53.74% Jun 20, 2018 - Nov 17, 2020
#2	-36.75% Aug 3, 2022 - Feb 6, 2025	-43.94% Jul 26, 2024 - Aug 1, 2025
#3	-22.04% Jan 20, 2000 - Feb 17, 2000	-33.58% Jan 14, 2022 - Nov 15, 2023
#4	-14.87% Feb 25, 2025 - Sep 18, 2025	-22.34% May 6, 2021 - Nov 1, 2021
#5	-14.83% Apr 20, 2022 - Jul 27, 2022	-17.90% May 13, 2024 - Jul 16, 2024
#6	-14.10% Dec 9, 1999 - Jan 18, 2000	-17.73% Jan 30, 2024 - May 3, 2024
#7	-8.20% Feb 17, 2000 - Feb 29, 2000	-12.34% Mar 12, 2021 - May 4, 2021
#8	-7.56% Nov 29, 1999 - Dec 9, 1999	-12.09% Mar 26, 2018 - May 2, 2018
#9	-7.54% Mar 13, 2000 - Mar 15, 2000	-10.62% Nov 23, 2021 - Jan 7, 2022
#10	-7.06% Nov 9, 1999 - Nov 17, 1999	-8.47% Jan 23, 2018 - Mar 5, 2018
#11	-6.50% Nov 4, 1999 - Nov 9, 1999	-7.48% Dec 27, 2023 - Jan 24, 2024
#12	-5.54% Sep 18, 2025 - Oct 23, 2025	-6.88% Dec 17, 2020 - Jan 6, 2021
#13	-5.28% Mar 10, 2022 - Apr 4, 2022	-6.46% Jan 12, 2021 - Feb 1, 2021
#14	-4.21% Feb 6, 2025 - Feb 24, 2025	-6.21% Dec 12, 2017 - Jan 12, 2018
#15	-3.54% Mar 7, 2000 - Mar 9, 2000	-5.68% Nov 17, 2020 - Dec 10, 2020

Correlation

Correlation between CSGS and MBIN is 0.65 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.65

-101

Dividend Comparison (2013 - 2026)

CSGS vs MBIN dividend yield comparison.

Year	CSGS	MBIN
2026	0.42%	0.44%
2025	1.67%	1.17%
2024	2.35%	0.99%
2023	2.10%	0.75%
2022	1.85%	1.15%
2021	1.74%	0.76%
2020	2.09%	1.16%
2019	1.72%	1.42%
2018	2.64%	1.20%
2017	1.80%	0.25%
2016	1.53%	0.00%
2015	1.95%	0.00%
2014	2.48%	0.00%
2013	1.53%	0.00%