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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 : 8/10

vs
industry
vs
history
Cash to Debt No Debt
CASS's Cash to Debt is ranked higher than
96% of the 994 Companies
in the Global Business Services industry.

( Industry Median: 1.83 vs. CASS: No Debt )
CASS' s 10-Year Cash to Debt Range
Min: 0.65   Max: No Debt
Current: No Debt

Equity to Asset 0.15
CASS's Equity to Asset is ranked lower than
60% of the 978 Companies
in the Global Business Services industry.

( Industry Median: 0.47 vs. CASS: 0.15 )
CASS' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.15
Current: 0.15

0.09
0.15
Interest Coverage 10.85
CASS's Interest Coverage is ranked higher than
56% of the 687 Companies
in the Global Business Services industry.

( Industry Median: 20.23 vs. CASS: 10.85 )
CASS' s 10-Year Interest Coverage Range
Min: 2.09   Max: 10.85
Current: 10.85

2.09
10.85
F-Score: 4
Z-Score: 0.53
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 (%) 26.65
CASS's Operating margin (%) is ranked higher than
94% of the 978 Companies
in the Global Business Services industry.

( Industry Median: 7.02 vs. CASS: 26.65 )
CASS' s 10-Year Operating margin (%) Range
Min: -35.15   Max: 28.99
Current: 26.65

-35.15
28.99
Net-margin (%) 20.38
CASS's Net-margin (%) is ranked higher than
94% of the 978 Companies
in the Global Business Services industry.

( Industry Median: 4.38 vs. CASS: 20.38 )
CASS' s 10-Year Net-margin (%) Range
Min: 11.89   Max: 34.26
Current: 20.38

11.89
34.26
ROE (%) 12.34
CASS's ROE (%) is ranked higher than
76% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 9.89 vs. CASS: 12.34 )
CASS' s 10-Year ROE (%) Range
Min: 10.95   Max: 17.95
Current: 12.34

10.95
17.95
ROA (%) 1.77
CASS's ROA (%) is ranked higher than
57% of the 993 Companies
in the Global Business Services industry.

( Industry Median: 4.08 vs. CASS: 1.77 )
CASS' s 10-Year ROA (%) Range
Min: 1.17   Max: 2.15
Current: 1.77

1.17
2.15
ROC (Joel Greenblatt) (%) 232.27
CASS's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 988 Companies
in the Global Business Services industry.

( Industry Median: 33.75 vs. CASS: 232.27 )
CASS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -119.83   Max: 328.63
Current: 232.27

-119.83
328.63
Revenue Growth (%) 4.10
CASS's Revenue Growth (%) is ranked higher than
68% of the 845 Companies
in the Global Business Services industry.

( Industry Median: 5.40 vs. CASS: 4.10 )
CASS' s 10-Year Revenue Growth (%) Range
Min: -13.4   Max: 26.9
Current: 4.1

-13.4
26.9
EBITDA Growth (%) 5.30
CASS's EBITDA Growth (%) is ranked higher than
67% of the 689 Companies
in the Global Business Services industry.

( Industry Median: 6.80 vs. CASS: 5.30 )
CASS' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 26.8
Current: 5.3

0
26.8
EPS Growth (%) 4.30
CASS's EPS Growth (%) is ranked higher than
66% of the 639 Companies
in the Global Business Services industry.

( Industry Median: 6.90 vs. CASS: 4.30 )
CASS' s 10-Year EPS Growth (%) Range
Min: -0.7   Max: 24.2
Current: 4.3

-0.7
24.2
» CASS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

CASS Guru Trades in Q3 2013

Chuck Royce 29,150 sh (unchged)
Third Avenue Management 193,854 sh (-22.01%)
» More
Q4 2013

CASS Guru Trades in Q4 2013

Jim Simons 6,800 sh (New)
Chuck Royce 29,150 sh (unchged)
Third Avenue Management 167,709 sh (-13.49%)
» More
Q1 2014

CASS Guru Trades in Q1 2014

Jim Simons 11,670 sh (+71.62%)
Chuck Royce 29,150 sh (unchged)
Third Avenue Management 97,070 sh (-42.12%)
» More
Q2 2014

CASS Guru Trades in Q2 2014

Jim Simons 27,812 sh (+138.32%)
Chuck Royce 29,150 sh (unchged)
Third Avenue Management Sold Out
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 23.90
CASS's P/E(ttm) is ranked higher than
67% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 26.20 vs. CASS: 23.90 )
CASS' s 10-Year P/E(ttm) Range
Min: 11.78   Max: 33.62
Current: 23.9

11.78
33.62
P/B 2.70
CASS's P/B is ranked higher than
62% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 3.13 vs. CASS: 2.70 )
CASS' s 10-Year P/B Range
Min: 1.58   Max: 4.11
Current: 2.7

1.58
4.11
P/S 4.80
CASS's P/S is ranked lower than
73% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 1.51 vs. CASS: 4.80 )
CASS' s 10-Year P/S Range
Min: 1.58   Max: 13.3
Current: 4.8

1.58
13.3
PFCF 16.90
CASS's PFCF is ranked higher than
77% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 36.60 vs. CASS: 16.90 )
CASS' s 10-Year PFCF Range
Min: 6.2   Max: 27.38
Current: 16.9

6.2
27.38
EV-to-EBIT 13.94
CASS's EV-to-EBIT is ranked higher than
78% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 18.92 vs. CASS: 13.94 )
CASS' s 10-Year EV-to-EBIT Range
Min: 5   Max: 20.2
Current: 13.94

5
20.2
PEG 2.48
CASS's PEG is ranked higher than
85% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. CASS: 2.48 )
CASS' s 10-Year PEG Range
Min: 1.28   Max: 134.09
Current: 2.48

1.28
134.09
Shiller P/E 24.10
CASS's Shiller P/E is ranked higher than
83% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. CASS: 24.10 )
CASS' s 10-Year Shiller P/E Range
Min: 14.36   Max: 35.93
Current: 24.1

14.36
35.93

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.60
CASS's Dividend Yield is ranked lower than
62% of the 669 Companies
in the Global Business Services industry.

( Industry Median: 2.16 vs. CASS: 1.60 )
CASS' s 10-Year Dividend Yield Range
Min: 1.09   Max: 2.83
Current: 1.6

1.09
2.83
Dividend Payout 0.39
CASS's Dividend Payout is ranked higher than
82% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 2.17 vs. CASS: 0.39 )
CASS' s 10-Year Dividend Payout Range
Min: 0.21   Max: 0.48
Current: 0.39

0.21
0.48
Dividend growth (3y) 15.60
CASS's Dividend growth (3y) is ranked higher than
83% of the 441 Companies
in the Global Business Services industry.

( Industry Median: 7.70 vs. CASS: 15.60 )
CASS' s 10-Year Dividend growth (3y) Range
Min: 2.5   Max: 17.4
Current: 15.6

2.5
17.4
Yield on cost (5-Year) 3.33
CASS's Yield on cost (5-Year) is ranked higher than
62% of the 689 Companies
in the Global Business Services industry.

( Industry Median: 2.60 vs. CASS: 3.33 )
CASS' s 10-Year Yield on cost (5-Year) Range
Min: 2.14   Max: 5.55
Current: 3.33

2.14
5.55
Share Buyback Rate -0.60
CASS's Share Buyback Rate is ranked higher than
76% of the 712 Companies
in the Global Business Services industry.

( Industry Median: -1.00 vs. CASS: -0.60 )
CASS' s 10-Year Share Buyback Rate Range
Min: 6.3   Max: -6.8
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.92
CASS's Price/Tangible Book is ranked higher than
74% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 11.70 vs. CASS: 2.92 )
CASS' s 10-Year Price/Tangible Book Range
Min: 1.1   Max: 4.4
Current: 2.92

1.1
4.4
Price/DCF (Projected) 1.30
CASS's Price/DCF (Projected) is ranked higher than
82% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 8.10 vs. CASS: 1.30 )
CASS' s 10-Year Price/DCF (Projected) Range
Min: 0.43   Max: 1.9
Current: 1.3

0.43
1.9
Price/Median PS Value 1.41
CASS's Price/Median PS Value is ranked lower than
52% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 1.20 vs. CASS: 1.41 )
CASS' s 10-Year Price/Median PS Value Range
Min: 0.34   Max: 3.76
Current: 1.41

0.34
3.76
Price/Peter Lynch Fair Value 2.97
CASS's Price/Peter Lynch Fair Value is ranked higher than
83% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. CASS: 2.97 )
CASS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.84   Max: 4.09
Current: 2.97

0.84
4.09
Price/Graham Number 1.75
CASS's Price/Graham Number is ranked higher than
77% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 11.40 vs. CASS: 1.75 )
CASS' s 10-Year Price/Graham Number Range
Min: 0.63   Max: 2.54
Current: 1.75

0.63
2.54
Earnings Yield (Greenblatt) 7.20
CASS's Earnings Yield (Greenblatt) is ranked higher than
68% of the 899 Companies
in the Global Business Services industry.

( Industry Median: 6.70 vs. CASS: 7.20 )
CASS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.9   Max: 19.9
Current: 7.2

4.9
19.9
Forward Rate of Return (Yacktman) 11.67
CASS's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 746 Companies
in the Global Business Services industry.

( Industry Median: 6.59 vs. CASS: 11.67 )
CASS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3   Max: 17.2
Current: 11.67

3
17.2

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
Cass Information Systems, Inc., provides payment and information processing services to large manufacturing, distribution and retail enterprises across the United States. The Company provides transportation invoice rating, payment, audit, accounting and transportation information to many of the nation's 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 most of 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, Transdata, TransInq, Ratemaker, Rate Advice, First Rate, Best Rate, Rate Exchange CassPort and Expense$mart. 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.

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