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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt N/A
CASS's Cash to Debt is ranked higher than
100% of the 738 Companies
in the Global Business Services industry.

( Industry Median: 1.27 vs. CASS: N/A )
Ranked among companies with meaningful Cash to Debt only.
CASS' s Cash to Debt Range Over the Past 10 Years
Min: 0.65  Med: 443.00 Max: No Debt
Current: N/A
Equity to Asset 0.14
CASS's Equity to Asset is ranked lower than
91% of the 715 Companies
in the Global Business Services industry.

( Industry Median: 0.50 vs. CASS: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
CASS' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.11 Max: 0.15
Current: 0.14
0.09
0.15
Interest Coverage 13.83
CASS's Interest Coverage is ranked lower than
60% of the 529 Companies
in the Global Business Services industry.

( Industry Median: 35.02 vs. CASS: 13.83 )
Ranked among companies with meaningful Interest Coverage only.
CASS' s Interest Coverage Range Over the Past 10 Years
Min: 3.26  Med: 7.20 Max: 12.92
Current: 13.83
3.26
12.92
F-Score: 5
WACC vs ROIC
11.85%
65.85%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 25.34
CASS's Operating margin (%) is ranked higher than
90% of the 724 Companies
in the Global Business Services industry.

( Industry Median: 5.53 vs. CASS: 25.34 )
Ranked among companies with meaningful Operating margin (%) only.
CASS' s Operating margin (%) Range Over the Past 10 Years
Min: -35.15  Med: 27.25 Max: 28.99
Current: 25.34
-35.15
28.99
Net-margin (%) 19.08
CASS's Net-margin (%) is ranked higher than
88% of the 725 Companies
in the Global Business Services industry.

( Industry Median: 4.04 vs. CASS: 19.08 )
Ranked among companies with meaningful Net-margin (%) only.
CASS' s Net-margin (%) Range Over the Past 10 Years
Min: 15.16  Med: 20.32 Max: 34.26
Current: 19.08
15.16
34.26
ROE (%) 13.77
CASS's ROE (%) is ranked higher than
60% of the 704 Companies
in the Global Business Services industry.

( Industry Median: 8.37 vs. CASS: 13.77 )
Ranked among companies with meaningful ROE (%) only.
CASS' s ROE (%) Range Over the Past 10 Years
Min: 12.3  Med: 15.03 Max: 19.41
Current: 13.77
12.3
19.41
ROA (%) 1.93
CASS's ROA (%) is ranked lower than
64% of the 741 Companies
in the Global Business Services industry.

( Industry Median: 3.85 vs. CASS: 1.93 )
Ranked among companies with meaningful ROA (%) only.
CASS' s ROA (%) Range Over the Past 10 Years
Min: 1.43  Med: 1.80 Max: 2.13
Current: 1.93
1.43
2.13
Revenue Growth (3Y)(%) 2.10
CASS's Revenue Growth (3Y)(%) is ranked lower than
56% of the 573 Companies
in the Global Business Services industry.

( Industry Median: 4.00 vs. CASS: 2.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CASS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.4  Med: 7.50 Max: 26.9
Current: 2.1
-13.4
26.9
EBITDA Growth (3Y)(%) 3.00
CASS's EBITDA Growth (3Y)(%) is ranked lower than
57% of the 475 Companies
in the Global Business Services industry.

( Industry Median: 5.50 vs. CASS: 3.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CASS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.15 Max: 26.8
Current: 3
0
26.8
EPS Growth (3Y)(%) 1.00
CASS's EPS Growth (3Y)(%) is ranked lower than
57% of the 438 Companies
in the Global Business Services industry.

( Industry Median: 4.60 vs. CASS: 1.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CASS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.2  Med: 6.55 Max: 24.3
Current: 1
-1.2
24.3
» CASS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2014

CASS Guru Trades in Q4 2014

Chuck Royce 29,150 sh (unchged)
Jim Simons 15,989 sh (-68.18%)
» More
Q1 2015

CASS Guru Trades in Q1 2015

Chuck Royce 29,150 sh (unchged)
Jim Simons 11,589 sh (-27.52%)
» More
Q2 2015

CASS Guru Trades in Q2 2015

Chuck Royce 84,150 sh (+188.68%)
Jim Simons 9,716 sh (-16.16%)
» More
Q3 2015

CASS Guru Trades in Q3 2015

Jim Simons 29,890 sh (+207.64%)
Chuck Royce 84,650 sh (+0.59%)
» More
» Details

Insider Trades

Latest Guru Trades with CASS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 24.70
CASS's P/E(ttm) is ranked lower than
61% of the 776 Companies
in the Global Business Services industry.

( Industry Median: 20.82 vs. CASS: 24.70 )
Ranked among companies with meaningful P/E(ttm) only.
CASS' s P/E(ttm) Range Over the Past 10 Years
Min: 11.78  Med: 18.11 Max: 33.62
Current: 24.7
11.78
33.62
Forward P/E 18.69
CASS's Forward P/E is ranked lower than
78% of the 463 Companies
in the Global Business Services industry.

( Industry Median: 14.66 vs. CASS: 18.69 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 24.60
CASS's PE(NRI) is ranked lower than
60% of the 610 Companies
in the Global Business Services industry.

( Industry Median: 20.80 vs. CASS: 24.60 )
Ranked among companies with meaningful PE(NRI) only.
CASS' s PE(NRI) Range Over the Past 10 Years
Min: 11.73  Med: 18.01 Max: 33.62
Current: 24.6
11.73
33.62
P/B 2.76
CASS's P/B is ranked lower than
57% of the 986 Companies
in the Global Business Services industry.

( Industry Median: 2.29 vs. CASS: 2.76 )
Ranked among companies with meaningful P/B only.
CASS' s P/B Range Over the Past 10 Years
Min: 1.8  Med: 2.69 Max: 4.11
Current: 2.76
1.8
4.11
P/S 4.67
CASS's P/S is ranked lower than
89% of the 990 Companies
in the Global Business Services industry.

( Industry Median: 1.17 vs. CASS: 4.67 )
Ranked among companies with meaningful P/S only.
CASS' s P/S Range Over the Past 10 Years
Min: 2.39  Med: 3.73 Max: 13.3
Current: 4.67
2.39
13.3
PFCF 21.47
CASS's PFCF is ranked lower than
59% of the 605 Companies
in the Global Business Services industry.

( Industry Median: 17.96 vs. CASS: 21.47 )
Ranked among companies with meaningful PFCF only.
CASS' s PFCF Range Over the Past 10 Years
Min: 10.31  Med: 16.45 Max: 32.97
Current: 21.47
10.31
32.97
POCF 17.45
CASS's POCF is ranked lower than
73% of the 736 Companies
in the Global Business Services industry.

( Industry Median: 12.11 vs. CASS: 17.45 )
Ranked among companies with meaningful POCF only.
CASS' s POCF Range Over the Past 10 Years
Min: 9.56  Med: 14.96 Max: 27.38
Current: 17.45
9.56
27.38
EV-to-EBIT 13.38
CASS's EV-to-EBIT is ranked higher than
55% of the 814 Companies
in the Global Business Services industry.

( Industry Median: 14.92 vs. CASS: 13.38 )
Ranked among companies with meaningful EV-to-EBIT only.
CASS' s EV-to-EBIT Range Over the Past 10 Years
Min: -23.5  Med: 11.20 Max: 20.2
Current: 13.38
-23.5
20.2
EV-to-EBITDA 10.44
CASS's EV-to-EBITDA is ranked higher than
53% of the 865 Companies
in the Global Business Services industry.

( Industry Median: 10.80 vs. CASS: 10.44 )
Ranked among companies with meaningful EV-to-EBITDA only.
CASS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -28.8  Med: 9.50 Max: 17.2
Current: 10.44
-28.8
17.2
PEG 3.15
CASS's PEG is ranked lower than
74% of the 239 Companies
in the Global Business Services industry.

( Industry Median: 1.91 vs. CASS: 3.15 )
Ranked among companies with meaningful PEG only.
CASS' s PEG Range Over the Past 10 Years
Min: 0.99  Med: 3.31 Max: 7.22
Current: 3.15
0.99
7.22
Shiller P/E 25.78
CASS's Shiller P/E is ranked higher than
50% of the 227 Companies
in the Global Business Services industry.

( Industry Median: 25.78 vs. CASS: 25.78 )
Ranked among companies with meaningful Shiller P/E only.
CASS' s Shiller P/E Range Over the Past 10 Years
Min: 18.39  Med: 26.68 Max: 40.91
Current: 25.78
18.39
40.91

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.75
CASS's Dividend Yield is ranked lower than
69% of the 725 Companies
in the Global Business Services industry.

( Industry Median: 1.43 vs. CASS: 1.75 )
Ranked among companies with meaningful Dividend Yield only.
CASS' s Dividend Yield Range Over the Past 10 Years
Min: 1.09  Med: 1.58 Max: 2.21
Current: 1.75
1.09
2.21
Dividend Payout 0.43
CASS's Dividend Payout is ranked higher than
52% of the 460 Companies
in the Global Business Services industry.

( Industry Median: 0.43 vs. CASS: 0.43 )
Ranked among companies with meaningful Dividend Payout only.
CASS' s Dividend Payout Range Over the Past 10 Years
Min: 0.21  Med: 0.33 Max: 0.48
Current: 0.43
0.21
0.48
Dividend Growth (3y) 13.70
CASS's Dividend Growth (3y) is ranked higher than
63% of the 254 Companies
in the Global Business Services industry.

( Industry Median: 7.70 vs. CASS: 13.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CASS' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 2.5  Med: 9.75 Max: 17.4
Current: 13.7
2.5
17.4
Forward Dividend Yield 1.81
CASS's Forward Dividend Yield is ranked lower than
72% of the 635 Companies
in the Global Business Services industry.

( Industry Median: 2.77 vs. CASS: 1.81 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.32
CASS's Yield on cost (5-Year) is ranked higher than
54% of the 744 Companies
in the Global Business Services industry.

( Industry Median: 2.94 vs. CASS: 3.32 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CASS' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.08  Med: 3.02 Max: 4.22
Current: 3.32
2.08
4.22
3-Year Average Share Buyback Ratio -0.50
CASS's 3-Year Average Share Buyback Ratio is ranked higher than
64% of the 438 Companies
in the Global Business Services industry.

( Industry Median: -1.40 vs. CASS: -0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CASS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.8  Med: -0.25 Max: 6.3
Current: -0.5
-6.8
6.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.97
CASS's Price/Tangible Book is ranked lower than
54% of the 656 Companies
in the Global Business Services industry.

( Industry Median: 2.61 vs. CASS: 2.97 )
Ranked among companies with meaningful Price/Tangible Book only.
CASS' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.09  Med: 2.39 Max: 4.42
Current: 2.97
1.09
4.42
Price/Projected FCF 1.35
CASS's Price/Projected FCF is ranked higher than
50% of the 557 Companies
in the Global Business Services industry.

( Industry Median: 1.35 vs. CASS: 1.35 )
Ranked among companies with meaningful Price/Projected FCF only.
CASS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.58  Med: 1.27 Max: 2.19
Current: 1.35
0.58
2.19
Price/Median PS Value 1.25
CASS's Price/Median PS Value is ranked lower than
66% of the 866 Companies
in the Global Business Services industry.

( Industry Median: 1.03 vs. CASS: 1.25 )
Ranked among companies with meaningful Price/Median PS Value only.
CASS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.31  Med: 0.81 Max: 3.44
Current: 1.25
0.31
3.44
Price/Graham Number 1.81
CASS's Price/Graham Number is ranked lower than
54% of the 536 Companies
in the Global Business Services industry.

( Industry Median: 1.61 vs. CASS: 1.81 )
Ranked among companies with meaningful Price/Graham Number only.
CASS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.64  Med: 1.36 Max: 2.56
Current: 1.81
0.64
2.56
Earnings Yield (Greenblatt) (%) 7.50
CASS's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 717 Companies
in the Global Business Services industry.

( Industry Median: 5.20 vs. CASS: 7.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CASS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.9  Med: 8.75 Max: 19.9
Current: 7.5
4.9
19.9
Forward Rate of Return (Yacktman) (%) 8.52
CASS's Forward Rate of Return (Yacktman) (%) is ranked lower than
56% of the 365 Companies
in the Global Business Services industry.

( Industry Median: 10.89 vs. CASS: 8.52 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CASS' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 3.4  Med: 6.40 Max: 22.9
Current: 8.52
3.4
22.9

More Statistics

Revenue(Mil) $121
EPS $ 2.00
Beta1.33
Short Percentage of Float4.39%
52-Week Range $43.78 - 59.09
Shares Outstanding(Mil)11.34

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
Cass Information Systems Inc is incorporated in Missouri. The Company provides payment and information processing services to large manufacturing, distribution and retail enterprises across the United States. The Company provides transportation invoice rating, payment processing, audit, accounting and transportation information to many of the nations largest companies. It is also a processor and payer of energy invoices, including electricity, gas, and other facility related expenses. The Company is an information services company with a primary focus on processing payables and payables-related transactions for large corporations located in the United States. It possesses four core competencies that encompass its processing services namely Data acquisition, Data management, Business Intelligence, and Financial exchange. The Company's shared business processes, Accounting, Human Resources and technology support its core competencies. Its accounting function provides the internal control systems to ensure the highest levels of accountability and protection for customers. Its human resources department provides experienced people dedicated to streamlining business procedures and reducing expenses. Its technology is proven and reliable. The need to safeguard data and secure the efficiency, speed and timeliness that govern its business is a priority within the organization. The Company, through its Transportation Information Services business unit, is engaged in the transportation bill processing and payment industry in the United States based on the total dollars of transportation bills paid and items processed. The Company holds several trademarks for the payment and rating services it provides including FreightPay(r), Transdata(r), TransInq(r), Ratemaker(r), Rate Advice(r), First Rate(r), Best Rate(r), Rate Exchange(r) CassPort(r) and Expense$mart(r). The Company competes with large payment processors and national and regional financial institutions and also smaller auditing companies and banks in terms of products and pricing.
» More Articles for CASS

Headlines

Articles On GuruFocus.com
The Best Yielding Ex-Dividend Stocks on March 1, 2013 Feb 28 2013 
The Best Stocks with Dividend Growth from Last Week (October 15–21, 2012) Oct 21 2012 
19 Dividend Stocks Heating Up Their Yields: AEP, BRO, CASS, EV, FCX Oct 25 2010 
Cass Information Systems Inc Reports Operating Results (10-Q) Nov 05 2009 
Cass Information Systems Inc (CASS) COO Transportation John F Pickering sells 1,000 Shares Oct 28 2009 
Cass Information Systems Inc Reports Operating Results (10-Q) Aug 06 2009 
Cass Information Systems Inc Reports Operating Results (10-Q) May 07 2009 

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