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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 : 7/10

vs
industry
vs
history
Cash-to-Debt No Debt
CASS's Cash-to-Debt is ranked higher than
100% of the 636 Companies
in the Global Business Services industry.

( Industry Median: 1.23 vs. CASS: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
CASS' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.65  Med: 609.5 Max: No Debt
Current: No Debt
Equity-to-Asset 0.14
CASS's Equity-to-Asset is ranked lower than
92% of the 616 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: 0.12 Max: 0.14
Current: 0.14
0.09
0.14
Interest Coverage 15.80
CASS's Interest Coverage is ranked lower than
55% of the 699 Companies
in the Global Business Services industry.

( Industry Median: 22.55 vs. CASS: 15.80 )
Ranked among companies with meaningful Interest Coverage only.
CASS' s Interest Coverage Range Over the Past 10 Years
Min: 3.26  Med: 8.83 Max: 15.8
Current: 15.8
3.26
15.8
WACC vs ROIC
9.99%
40.92%
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 : 5/10

vs
industry
vs
history
Operating Margin % 25.85
CASS's Operating Margin % is ranked higher than
93% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 5.93 vs. CASS: 25.85 )
Ranked among companies with meaningful Operating Margin % only.
CASS' s Operating Margin % Range Over the Past 10 Years
Min: 23.93  Med: 27.25 Max: 28.99
Current: 25.85
23.93
28.99
Net Margin % 19.63
CASS's Net Margin % is ranked higher than
91% of the 625 Companies
in the Global Business Services industry.

( Industry Median: 3.74 vs. CASS: 19.63 )
Ranked among companies with meaningful Net Margin % only.
CASS' s Net Margin % Range Over the Past 10 Years
Min: 17.93  Med: 20.24 Max: 21.17
Current: 19.63
17.93
21.17
ROE % 11.63
CASS's ROE % is ranked higher than
60% of the 601 Companies
in the Global Business Services industry.

( Industry Median: 7.88 vs. CASS: 11.63 )
Ranked among companies with meaningful ROE % only.
CASS' s ROE % Range Over the Past 10 Years
Min: 11.31  Med: 13.81 Max: 19.41
Current: 11.63
11.31
19.41
ROA % 1.64
CASS's ROA % is ranked lower than
61% of the 641 Companies
in the Global Business Services industry.

( Industry Median: 3.11 vs. CASS: 1.64 )
Ranked among companies with meaningful ROA % only.
CASS' s ROA % Range Over the Past 10 Years
Min: 1.56  Med: 1.8 Max: 2.13
Current: 1.64
1.56
2.13
3-Year Revenue Growth Rate 3.50
CASS's 3-Year Revenue Growth Rate is ranked lower than
52% of the 553 Companies
in the Global Business Services industry.

( Industry Median: 4.20 vs. CASS: 3.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CASS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -13.4  Med: 7.5 Max: 26.9
Current: 3.5
-13.4
26.9
3-Year EBITDA Growth Rate 3.90
CASS's 3-Year EBITDA Growth Rate is ranked lower than
54% of the 476 Companies
in the Global Business Services industry.

( Industry Median: 5.60 vs. CASS: 3.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CASS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0.3  Med: 5.5 Max: 26.9
Current: 3.9
0.3
26.9
3-Year EPS without NRI Growth Rate 2.10
CASS's 3-Year EPS without NRI Growth Rate is ranked lower than
57% of the 427 Companies
in the Global Business Services industry.

( Industry Median: 7.10 vs. CASS: 2.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CASS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -0.3  Med: 6.2 Max: 24.3
Current: 2.1
-0.3
24.3
GuruFocus has detected 2 Warning Signs with Cass Information Systems Inc $CASS.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CASS's 10-Y Financials

Financials (Next Earnings Date: 2017-04-18 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CASS Guru Trades in Q1 2016

Jim Simons 52,189 sh (+73.45%)
Chuck Royce 78,000 sh (-7.86%)
» More
Q2 2016

CASS Guru Trades in Q2 2016

Chuck Royce 78,000 sh (unchged)
Jim Simons 33,089 sh (-36.60%)
» More
Q3 2016

CASS Guru Trades in Q3 2016

Jim Simons 28,292 sh (-14.50%)
Chuck Royce 58,000 sh (-25.64%)
» More
Q4 2016

CASS Guru Trades in Q4 2016

Chuck Royce 49,200 sh (-15.17%)
Jim Simons 16,400 sh (-42.03%)
» 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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Business Description

Industry: Business Services » Business Services    NAICS: 561499    SIC: 7389
Compare:NAS:FORR, NYSE:CBZ, NAS:UEPS, NAS:SP, NYSE:TISI, OTCPK:ITEGY, NYSE:LKSD, NAS:ICFI, NYSE:ATTO, NYSE:RRD, NAS:ASPS, NAS:RPXC, OTCPK:DLUEY, NAS:HCKT, OTCPK:MITFY, NAS:HURN, NYSE:VVI, OTCPK:GAPFF, OTCPK:ISVJF, NYSE:NCI » details
Cass Information Systems Inc provides payment and information processing services to large manufacturing, distribution and retail enterprises across the United States.

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.

Ratios

vs
industry
vs
history
PE Ratio 29.89
CASS's PE Ratio is ranked lower than
70% of the 677 Companies
in the Global Business Services industry.

( Industry Median: 21.00 vs. CASS: 29.89 )
Ranked among companies with meaningful PE Ratio only.
CASS' s PE Ratio Range Over the Past 10 Years
Min: 11.74  Med: 19.18 Max: 34.22
Current: 29.89
11.74
34.22
PE Ratio without NRI 29.89
CASS's PE Ratio without NRI is ranked lower than
68% of the 595 Companies
in the Global Business Services industry.

( Industry Median: 20.69 vs. CASS: 29.89 )
Ranked among companies with meaningful PE Ratio without NRI only.
CASS' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.73  Med: 18.96 Max: 34.22
Current: 29.89
11.73
34.22
Price-to-Owner-Earnings 21.57
CASS's Price-to-Owner-Earnings is ranked lower than
57% of the 373 Companies
in the Global Business Services industry.

( Industry Median: 18.69 vs. CASS: 21.57 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CASS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 10.81  Med: 18.44 Max: 27.55
Current: 21.57
10.81
27.55
PB Ratio 3.45
CASS's PB Ratio is ranked lower than
66% of the 709 Companies
in the Global Business Services industry.

( Industry Median: 2.28 vs. CASS: 3.45 )
Ranked among companies with meaningful PB Ratio only.
CASS' s PB Ratio Range Over the Past 10 Years
Min: 1.8  Med: 2.78 Max: 4.11
Current: 3.45
1.8
4.11
PS Ratio 5.84
CASS's PS Ratio is ranked lower than
88% of the 703 Companies
in the Global Business Services industry.

( Industry Median: 1.22 vs. CASS: 5.84 )
Ranked among companies with meaningful PS Ratio only.
CASS' s PS Ratio Range Over the Past 10 Years
Min: 2.39  Med: 4.26 Max: 13.29
Current: 5.84
2.39
13.29
Price-to-Free-Cash-Flow 20.66
CASS's Price-to-Free-Cash-Flow is ranked lower than
51% of the 388 Companies
in the Global Business Services industry.

( Industry Median: 19.87 vs. CASS: 20.66 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CASS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 10.33  Med: 17.07 Max: 32.89
Current: 20.66
10.33
32.89
Price-to-Operating-Cash-Flow 20.66
CASS's Price-to-Operating-Cash-Flow is ranked lower than
78% of the 456 Companies
in the Global Business Services industry.

( Industry Median: 13.23 vs. CASS: 20.66 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CASS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 9.77  Med: 15.79 Max: 27.34
Current: 20.66
9.77
27.34
EV-to-EBIT 17.83
CASS's EV-to-EBIT is ranked lower than
60% of the 629 Companies
in the Global Business Services industry.

( Industry Median: 15.83 vs. CASS: 17.83 )
Ranked among companies with meaningful EV-to-EBIT only.
CASS' s EV-to-EBIT Range Over the Past 10 Years
Min: -23.5  Med: 11.7 Max: 21.3
Current: 17.83
-23.5
21.3
EV-to-EBITDA 13.75
CASS's EV-to-EBITDA is ranked lower than
60% of the 674 Companies
in the Global Business Services industry.

( Industry Median: 11.69 vs. CASS: 13.75 )
Ranked among companies with meaningful EV-to-EBITDA only.
CASS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -28.8  Med: 9.9 Max: 18
Current: 13.75
-28.8
18
PEG Ratio 10.46
CASS's PEG Ratio is ranked lower than
91% of the 249 Companies
in the Global Business Services industry.

( Industry Median: 2.01 vs. CASS: 10.46 )
Ranked among companies with meaningful PEG Ratio only.
CASS' s PEG Ratio Range Over the Past 10 Years
Min: 0.94  Med: 3.58 Max: 13.32
Current: 10.46
0.94
13.32
Shiller PE Ratio 32.28
CASS's Shiller PE Ratio is ranked lower than
55% of the 152 Companies
in the Global Business Services industry.

( Industry Median: 28.73 vs. CASS: 32.28 )
Ranked among companies with meaningful Shiller PE Ratio only.
CASS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 18.39  Med: 26.44 Max: 40.66
Current: 32.28
18.39
40.66

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.39
CASS's Dividend Yield % is ranked lower than
76% of the 671 Companies
in the Global Business Services industry.

( Industry Median: 2.25 vs. CASS: 1.39 )
Ranked among companies with meaningful Dividend Yield % only.
CASS' s Dividend Yield % Range Over the Past 10 Years
Min: 1.09  Med: 1.57 Max: 2.08
Current: 1.39
1.09
2.08
Dividend Payout Ratio 0.41
CASS's Dividend Payout Ratio is ranked higher than
57% of the 409 Companies
in the Global Business Services industry.

( Industry Median: 0.45 vs. CASS: 0.41 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CASS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.31 Max: 0.43
Current: 0.41
0.24
0.43
3-Year Dividend Growth Rate 6.30
CASS's 3-Year Dividend Growth Rate is ranked lower than
51% of the 281 Companies
in the Global Business Services industry.

( Industry Median: 7.00 vs. CASS: 6.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CASS' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 2.5  Med: 9.7 Max: 15.6
Current: 6.3
2.5
15.6
Forward Dividend Yield % 1.46
CASS's Forward Dividend Yield % is ranked lower than
79% of the 639 Companies
in the Global Business Services industry.

( Industry Median: 1.91 vs. CASS: 1.46 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.24
CASS's 5-Year Yield-on-Cost % is ranked lower than
63% of the 799 Companies
in the Global Business Services industry.

( Industry Median: 3.10 vs. CASS: 2.24 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CASS' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.76  Med: 2.53 Max: 3.35
Current: 2.24
1.76
3.35
3-Year Average Share Buyback Ratio 1.00
CASS's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 394 Companies
in the Global Business Services industry.

( Industry Median: -1.50 vs. CASS: 1.00 )
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: -0.8  Med: -0.3 Max: 6.3
Current: 1
-0.8
6.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.70
CASS's Price-to-Tangible-Book is ranked lower than
56% of the 564 Companies
in the Global Business Services industry.

( Industry Median: 2.87 vs. CASS: 3.70 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CASS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.08  Med: 2.54 Max: 4.42
Current: 3.7
1.08
4.42
Price-to-Intrinsic-Value-Projected-FCF 1.62
CASS's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
54% of the 426 Companies
in the Global Business Services industry.

( Industry Median: 1.47 vs. CASS: 1.62 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CASS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.58  Med: 1.3 Max: 2.07
Current: 1.62
0.58
2.07
Price-to-Median-PS-Value 1.38
CASS's Price-to-Median-PS-Value is ranked lower than
65% of the 618 Companies
in the Global Business Services industry.

( Industry Median: 1.14 vs. CASS: 1.38 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CASS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.28  Med: 0.79 Max: 3.01
Current: 1.38
0.28
3.01
Price-to-Graham-Number 2.22
CASS's Price-to-Graham-Number is ranked lower than
58% of the 426 Companies
in the Global Business Services industry.

( Industry Median: 1.81 vs. CASS: 2.22 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CASS' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.65  Med: 1.37 Max: 2.56
Current: 2.22
0.65
2.56
Earnings Yield (Greenblatt) % 5.61
CASS's Earnings Yield (Greenblatt) % is ranked higher than
54% of the 801 Companies
in the Global Business Services industry.

( Industry Median: 5.22 vs. CASS: 5.61 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CASS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.7  Med: 8.2 Max: 19.9
Current: 5.61
4.7
19.9
Forward Rate of Return (Yacktman) % 6.66
CASS's Forward Rate of Return (Yacktman) % is ranked lower than
61% of the 367 Companies
in the Global Business Services industry.

( Industry Median: 10.34 vs. CASS: 6.66 )
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: 6.3 Max: 23.8
Current: 6.66
3.4
23.8

More Statistics

Revenue (TTM) (Mil) $124.0
EPS (TTM) $ 2.15
Beta1.01
Short Percentage of Float3.30%
52-Week Range $45.05 - 74.83
Shares Outstanding (Mil)11.19
» 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 

More From Other Websites
CASS INFORMATION SYSTEMS INC Financials Mar 14 2017
CASS INFORMATION SYSTEMS INC Files SEC form 10-K, Annual Report Mar 08 2017
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Cass Information Systems Acquires UK-Based Effective Telecoms Ltd Mar 06 2017
Cass Information Systems, Inc. :CASS-US: Earnings Analysis: Q4, 2016 By the Numbers : February 6,... Feb 06 2017
Cass posts 4Q profit Feb 02 2017
Cass posts 4Q profit Feb 02 2017
Cass Information Systems, Inc. Establishes All-Time High Earnings Record in 2016 Feb 02 2017
Cass Information Systems, Inc. : CASS-US: Dividend Analysis : December 05th, 2016 (record date) : By... Jan 27 2017
ETFs with exposure to Cass Information Systems, Inc. : January 17, 2017 Jan 17 2017
Cass Information Systems, Inc. breached its 50 day moving average in a Bearish Manner : CASS-US :... Jan 13 2017
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Cass Information Systems, Inc. breached its 50 day moving average in a Bullish Manner : CASS-US :... Nov 09 2016
CASS INFORMATION SYSTEMS INC Files SEC form 10-Q, Quarterly Report Nov 02 2016
ETF’s with exposure to Cass Information Systems, Inc. : October 27, 2016 Oct 27 2016
Cass Information Systems, Inc. :CASS-US: Earnings Analysis: Q3, 2016 By the Numbers : October 26,... Oct 26 2016
Cass Information Systems, Inc. breached its 50 day moving average in a Bullish Manner : CASS-US :... Oct 25 2016
CASS INFORMATION SYSTEMS INC Files SEC form 8-K, Change in Directors or Principal Officers,... Oct 21 2016
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Joseph Rupp Joins Board of Directors of Cass Information Systems, Inc. (NASDAQ: CASS) Oct 21 2016

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