DJCO
Daily Journal Corporation
Software - Application
Market Cap$766M
5Y Perf.+106.0%
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Side-by-side financial analysisDJCO
CSGS
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Stock Comparison
DJCO vs CSGS
Revenue, margins, valuation, and 5-year total return — side by side.
CSGS
CSG Systems International, Inc.
Software - Infrastructure
Market Cap$2.30B
5Y Perf.+94.3%
DJCO vs CSGS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  DJCO |  CSGS |
|---|---|---|
| Industry | Software - Application | Software - Infrastructure |
| Market Cap | $766M | $2.30B |
| Revenue (TTM) | $94M | $1.24B |
| Net Income (TTM) | $14M | $64M |
| Gross Margin | 38.6% | 48.3% |
| Operating Margin | 12.0% | 13.9% |
| Forward P/E | 6.8x | 15.9x |
| Total Debt | $23M | $587M |
| Cash & Equiv. | $21M | $180M |
DJCO vs CSGS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
DJCO
CSGS
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | 100 | 206.0 | +106.0% |
| CSG Systems Interna… (CSGS) | 100 | 194.3 | +94.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: DJCO vs CSGS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: DJCO leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. CSG Systems International, Inc. is the stronger pick specifically for capital preservation and lower volatility and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
🥇DJCO emerged as the overall leader. Track its performance:
DJCO
Daily Journal Corporation
The Growth Play
DJCO carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 25.4%, EPS growth 43.5%, 3Y rev CAGR 17.5%
- 171.7% 10Y total return vs CSGS's 119.2%
- Lower volatility, beta 1.16, Low D/E 5.9%, current ratio 13.89x
Best for: growth exposure and long-term compounding
CSGS
CSG Systems International, Inc.
The Income Pick
CSGS is the clearest fit if your priority is income & stability and defensive.
- Dividend streak 13 yrs, beta 0.33, yield 1.6%
- Beta 0.33, yield 1.6%, current ratio 1.44x
- Beta 0.33 vs DJCO's 1.16
Best for: income & stability and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  DJCO | 25.4% revenue growth vs CSGS's 2.2% |
| Value | DJCO | Lower P/E (6.8x vs 15.9x), PEG 0.07 vs 9.36 |
| Quality / Margins | DJCO | 14.8% margin vs CSGS's 5.1% |
| Stability / Safety |  CSGS | Beta 0.33 vs DJCO's 1.16 |
| Dividends | CSGS | 1.6% yield; 13-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | DJCO | +40.2% vs CSGS's +27.9% |
| Efficiency (ROA) | CSGS | 4.3% ROA vs DJCO's 2.7%, ROIC 32.5% vs 2.5% |
DJCO vs CSGS — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
DJCO vs CSGS — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLDJCOLAGGINGCSGS
CSGSCSG Systems Internati…
2leads
DJCODaily Journal Corpora…
2leads
6 Total Categories
CATEGORYLEADERvs CSGSMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
DJCO5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
DJCO5/6
Risk & VolatilityBeta, volatility, and downside exposure
CSGS2/2
Analyst OutlookRatings, price targets, and dividends
CSGS1/1
Income & Cash Flow (Last 12 Months)
Evenly matched — DJCO and CSGS each lead in 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
CSGS is the larger business by revenue, generating $1.2B annually — 13.2x DJCO's $94M. DJCO is the more profitable business, keeping 14.8% of every revenue dollar as net income compared to CSGS's 5.1%. On growth, DJCO holds the edge at +25.0% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | DJCODaily Journal Cor… | CSGSCSG Systems Inter… |
|---|---|---|
| RevenueTrailing 12 months | $94M | $1.2B |
| EBITDAEarnings before interest/tax | $12M | $225M |
| Net IncomeAfter-tax profit | $14M | $64M |
| Free Cash FlowCash after capex | $14M | $131M |
| Gross MarginGross profit ÷ Revenue | +38.6% | +48.3% |
| Operating MarginEBIT ÷ Revenue | +12.0% | +13.9% |
| Net MarginNet income ÷ Revenue | +14.8% | +5.1% |
| FCF MarginFCF ÷ Revenue | +14.7% | +10.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | +25.0% | +4.8% |
| EPS Growth (YoY)Latest quarter vs prior year | -177.5% | +45.6% |
Evenly matched — DJCO and CSGS each lead in 3 of 6 comparable metrics.
Valuation Metrics
Evenly matched — DJCO and CSGS each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 6.8x trailing earnings, DJCO trades at a 83% valuation discount to CSGS's 40.8x P/E. Adjusting for growth (PEG ratio), DJCO offers better value at 0.07x vs CSGS's 23.98x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | DJCODaily Journal Cor… | CSGSCSG Systems Inter… |
|---|---|---|
| Market CapShares × price | $766M | $2.3B |
| Enterprise ValueMkt cap + debt − cash | $769M | $2.7B |
| Trailing P/EPrice ÷ TTM EPS | 6.83x | 40.75x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 15.92x |
| PEG RatioP/E ÷ EPS growth rate | 0.07x | 23.98x |
| EV / EBITDAEnterprise value multiple | 66.51x | 7.28x |
| Price / SalesMarket cap ÷ Revenue | 8.74x | 1.88x |
| Price / BookPrice ÷ Book value/share | 1.96x | 8.03x |
| Price / FCFMarket cap ÷ FCF | 57.52x | 16.27x |
Evenly matched — DJCO and CSGS each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
DJCO leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
CSGS delivers a 22.0% return on equity — every $100 of shareholder capital generates $22 in annual profit, vs $4 for DJCO. DJCO carries lower financial leverage with a 0.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to CSGS's 2.07x. On the Piotroski fundamental quality scale (0–9), DJCO scores 6/9 vs CSGS's 5/9, reflecting solid financial health.
| Metric | DJCODaily Journal Cor… | CSGSCSG Systems Inter… |
|---|---|---|
| ROE (TTM)Return on equity | +3.8% | +22.0% |
| ROA (TTM)Return on assets | +2.7% | +4.3% |
| ROICReturn on invested capital | +2.5% | +32.5% |
| ROCEReturn on capital employed | +2.6% | +33.7% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 0.06x | 2.07x |
| Net DebtTotal debt minus cash | $2M | $407M |
| Cash & Equiv.Liquid assets | $21M | $180M |
| Total DebtShort + long-term debt | $23M | $587M |
| Interest CoverageEBIT ÷ Interest expense | 114.24x | 6.10x |
DJCO leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
DJCO leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CSGS five years ago would be worth $18,997 today (with dividends reinvested), compared to $16,154 for DJCO. Over the past 12 months, DJCO leads with a +40.2% total return vs CSGS's +27.9%. The 3-year compound annual growth rate (CAGR) favors DJCO at 24.3% vs CSGS's 18.7% — a key indicator of consistent wealth creation.
| Metric | DJCODaily Journal Cor… | CSGSCSG Systems Inter… |
|---|---|---|
| YTD ReturnYear-to-date | +10.9% | +5.6% |
| 1-Year ReturnPast 12 months | +40.2% | +27.9% |
| 3-Year ReturnCumulative with dividends | +92.0% | +67.1% |
| 5-Year ReturnCumulative with dividends | +61.5% | +90.0% |
| 10-Year ReturnCumulative with dividends | +171.7% | +119.2% |
| CAGR (3Y)Annualised 3-year return | +24.3% | +18.7% |
DJCO leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
CSGS leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CSGS is the less volatile stock with a 0.33 beta — it tends to amplify market swings less than DJCO's 1.16 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CSGS currently trades 100.0% from its 52-week high vs DJCO's 82.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | DJCODaily Journal Cor… | CSGSCSG Systems Inter… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.16x | 0.33x |
| 52-Week HighHighest price in past year | $674.75 | $80.73 |
| 52-Week LowLowest price in past year | $348.63 | $60.54 |
| % of 52W HighCurrent price vs 52-week peak | +82.4% | +100.0% |
| RSI (14)Momentum oscillator 0–100 | 67.9 | 36.2 |
| Avg Volume (50D)Average daily shares traded | 43K | 309K |
CSGS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
CSGS leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
CSGS is the only dividend payer here at 1.64% yield — a key consideration for income-focused portfolios.
| Metric | DJCODaily Journal Cor… | CSGSCSG Systems Inter… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $80.70 |
| # AnalystsCovering analysts | — | 15 |
| Dividend YieldAnnual dividend ÷ price | — | +1.6% |
| Dividend StreakConsecutive years of raises | 4 | 13 |
| Dividend / ShareAnnual DPS | — | $1.33 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +3.6% |
CSGS leads this category, winning 1 of 1 comparable metric.
Key Takeaway
DJCO leads in 2 of 6 categories (Profitability & Efficiency, Total Returns). CSGS leads in 2 (Risk & Volatility, Analyst Outlook). 2 tied.
Best OverallDaily Journal Corporation (DJCO)Leads 2 of 6 categories
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DJCO vs CSGS: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is DJCO or CSGS a better buy right now?
For growth investors, Daily Journal Corporation (DJCO) is the stronger pick with 25.
4% revenue growth year-over-year, versus 2. 2% for CSG Systems International, Inc. (CSGS). Daily Journal Corporation (DJCO) offers the better valuation at 6. 8x trailing P/E, making it the more compelling value choice. Analysts rate CSG Systems International, Inc. (CSGS) a "Buy" — based on 15 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — DJCO or CSGS?
On trailing P/E, Daily Journal Corporation (DJCO) is the cheapest at 6.
8x versus CSG Systems International, Inc. at 40. 8x.
03Which is the better long-term investment — DJCO or CSGS?
Over the past 5 years, CSG Systems International, Inc.
(CSGS) delivered a total return of +90. 0%, compared to +61. 5% for Daily Journal Corporation (DJCO). Over 10 years, the gap is even starker: DJCO returned +171. 7% versus CSGS's +119. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — DJCO or CSGS?
By beta (market sensitivity over 5 years), CSG Systems International, Inc.
(CSGS) is the lower-risk stock at 0. 33β versus Daily Journal Corporation's 1. 16β — meaning DJCO is approximately 252% more volatile than CSGS relative to the S&P 500. On balance sheet safety, Daily Journal Corporation (DJCO) carries a lower debt/equity ratio of 6% versus 2% for CSG Systems International, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — DJCO or CSGS?
By revenue growth (latest reported year), Daily Journal Corporation (DJCO) is pulling ahead at 25.
4% versus 2. 2% for CSG Systems International, Inc. (CSGS). On earnings-per-share growth, the picture is similar: Daily Journal Corporation grew EPS 43. 5% year-over-year, compared to -34. 7% for CSG Systems International, Inc.. Over a 3-year CAGR, DJCO leads at 17. 5% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — DJCO or CSGS?
Daily Journal Corporation (DJCO) is the more profitable company, earning 127.
9% net margin versus 4. 6% for CSG Systems International, Inc. — meaning it keeps 127. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CSGS leads at 24. 5% versus 12. 9% for DJCO. At the gross margin level — before operating expenses — CSGS leads at 47. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Which pays a better dividend — DJCO or CSGS?
In this comparison, CSGS (1.
6% yield) pays a dividend. DJCO does not pay a meaningful dividend and should not be held primarily for income.
08Is DJCO or CSGS better for a retirement portfolio?
For long-horizon retirement investors, CSG Systems International, Inc.
(CSGS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 33), 1. 6% yield, +119. 2% 10Y return). Both have compounded well over 10 years (CSGS: +119. 2%, DJCO: +171. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between DJCO and CSGS?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: DJCO is a small-cap high-growth stock; CSGS is a small-cap quality compounder stock. CSGS pays a dividend while DJCO does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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