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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
91% of the 976 Companies
in the Global Business Services industry.

( Industry Median: 1.09 vs. CASS: No Debt )
CASS' s 10-Year Cash to Debt Range
Min: 0.65   Max: No Debt
Current: No Debt

Equity to Asset 0.14
CASS's Equity to Asset is ranked lower than
61% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 0.46 vs. CASS: 0.14 )
CASS' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.15
Current: 0.14

0.09
0.15
Interest Coverage 10.85
CASS's Interest Coverage is ranked higher than
52% of the 663 Companies
in the Global Business Services industry.

( Industry Median: 24.18 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: 7
Z-Score: 0.50
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 : 8/10

vs
industry
vs
history
Operating margin (%) 26.73
CASS's Operating margin (%) is ranked higher than
95% of the 968 Companies
in the Global Business Services industry.

( Industry Median: 6.23 vs. CASS: 26.73 )
CASS' s 10-Year Operating margin (%) Range
Min: -35.15   Max: 28.99
Current: 26.73

-35.15
28.99
Net-margin (%) 20.30
CASS's Net-margin (%) is ranked higher than
94% of the 968 Companies
in the Global Business Services industry.

( Industry Median: 4.08 vs. CASS: 20.30 )
CASS' s 10-Year Net-margin (%) Range
Min: 11.89   Max: 34.26
Current: 20.3

11.89
34.26
ROE (%) 12.05
CASS's ROE (%) is ranked higher than
76% of the 927 Companies
in the Global Business Services industry.

( Industry Median: 8.95 vs. CASS: 12.05 )
CASS' s 10-Year ROE (%) Range
Min: 10.88   Max: 19.41
Current: 12.05

10.88
19.41
ROA (%) 1.73
CASS's ROA (%) is ranked higher than
58% of the 980 Companies
in the Global Business Services industry.

( Industry Median: 3.94 vs. CASS: 1.73 )
CASS' s 10-Year ROA (%) Range
Min: 1.19   Max: 2.13
Current: 1.73

1.19
2.13
ROC (Joel Greenblatt) (%) 220.45
CASS's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 971 Companies
in the Global Business Services industry.

( Industry Median: 28.41 vs. CASS: 220.45 )
CASS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -124.22   Max: 328.12
Current: 220.45

-124.22
328.12
Revenue Growth (%) 4.10
CASS's Revenue Growth (%) is ranked higher than
67% of the 821 Companies
in the Global Business Services industry.

( Industry Median: 4.70 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
66% of the 677 Companies
in the Global Business Services industry.

( Industry Median: 6.50 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
64% of the 612 Companies
in the Global Business Services industry.

( Industry Median: 8.30 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

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
Q3 2014

CASS Guru Trades in Q3 2014

Jim Simons 50,249 sh (+80.67%)
Chuck Royce 29,150 sh (unchged)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Third Avenue Management 2014-06-30 Sold Out 0.1%$48.74 - $53.35 $ 46.61-8%0
Third Avenue Management 2014-03-31 Reduce -42.12%0.09%$47.25 - $67.94 $ 46.61-18%97070
Third Avenue Management 2013-09-30 Reduce -22.01%0.05%$47.89 - $62.18 $ 46.61-15%193854
Third Avenue Management 2013-06-30 Add 60.35%0.08%$39.51 - $47.04 $ 46.618%248574
Third Avenue Management 2013-03-31 New Buy0.13%$38.05 - $43.44 $ 46.6113%155023
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 23.10
CASS's P/E(ttm) is ranked higher than
75% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 33.80 vs. CASS: 23.10 )
CASS' s 10-Year P/E(ttm) Range
Min: 11.78   Max: 33.62
Current: 23.1

11.78
33.62
P/B 2.60
CASS's P/B is ranked higher than
69% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 3.41 vs. CASS: 2.60 )
CASS' s 10-Year P/B Range
Min: 1.6   Max: 4.11
Current: 2.6

1.6
4.11
P/S 4.70
CASS's P/S is ranked higher than
52% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 1.75 vs. CASS: 4.70 )
CASS' s 10-Year P/S Range
Min: 1.58   Max: 13.3
Current: 4.7

1.58
13.3
PFCF 18.60
CASS's PFCF is ranked higher than
83% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 187.82 vs. CASS: 18.60 )
CASS' s 10-Year PFCF Range
Min: 10.25   Max: 32.97
Current: 18.6

10.25
32.97
EV-to-EBIT 12.58
CASS's EV-to-EBIT is ranked higher than
80% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 19.99 vs. CASS: 12.58 )
CASS' s 10-Year EV-to-EBIT Range
Min: -23.5   Max: 20.2
Current: 12.58

-23.5
20.2
PEG 2.41
CASS's PEG is ranked higher than
87% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. CASS: 2.41 )
CASS' s 10-Year PEG Range
Min: 0.83   Max: 27.15
Current: 2.41

0.83
27.15
Shiller P/E 23.50
CASS's Shiller P/E is ranked higher than
86% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. CASS: 23.50 )
CASS' s 10-Year Shiller P/E Range
Min: 14.97   Max: 35.74
Current: 23.5

14.97
35.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.70
CASS's Dividend Yield is ranked lower than
59% of the 636 Companies
in the Global Business Services industry.

( Industry Median: 2.05 vs. CASS: 1.70 )
CASS' s 10-Year Dividend Yield Range
Min: 1.09   Max: 2.71
Current: 1.7

1.09
2.71
Dividend Payout 0.40
CASS's Dividend Payout is ranked higher than
83% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. CASS: 0.40 )
CASS' s 10-Year Dividend Payout Range
Min: 0.21   Max: 0.48
Current: 0.4

0.21
0.48
Dividend growth (3y) 15.60
CASS's Dividend growth (3y) is ranked higher than
81% of the 398 Companies
in the Global Business Services industry.

( Industry Median: 9.40 vs. CASS: 15.60 )
CASS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 17.4
Current: 15.6

0
17.4
Yield on cost (5-Year) 3.33
CASS's Yield on cost (5-Year) is ranked higher than
65% of the 655 Companies
in the Global Business Services industry.

( Industry Median: 2.51 vs. CASS: 3.33 )
CASS' s 10-Year Yield on cost (5-Year) Range
Min: 2.14   Max: 5.31
Current: 3.33

2.14
5.31
Share Buyback Rate -0.60
CASS's Share Buyback Rate is ranked higher than
74% of the 691 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 2.79
CASS's Price/Tangible Book is ranked higher than
79% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 16.08 vs. CASS: 2.79 )
CASS' s 10-Year Price/Tangible Book Range
Min: 1.1   Max: 4.4
Current: 2.79

1.1
4.4
Price/DCF (Projected) 1.27
CASS's Price/DCF (Projected) is ranked higher than
83% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 5.45 vs. CASS: 1.27 )
CASS' s 10-Year Price/DCF (Projected) Range
Min: 0.58   Max: 2.02
Current: 1.27

0.58
2.02
Price/Median PS Value 1.35
CASS's Price/Median PS Value is ranked higher than
63% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 1.21 vs. CASS: 1.35 )
CASS' s 10-Year Price/Median PS Value Range
Min: 0.34   Max: 3.69
Current: 1.35

0.34
3.69
Price/Peter Lynch Fair Value 3.17
CASS's Price/Peter Lynch Fair Value is ranked higher than
89% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. CASS: 3.17 )
CASS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.88   Max: 4.09
Current: 3.17

0.88
4.09
Price/Graham Number 1.69
CASS's Price/Graham Number is ranked higher than
82% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. CASS: 1.69 )
CASS' s 10-Year Price/Graham Number Range
Min: 0.63   Max: 2.54
Current: 1.69

0.63
2.54
Earnings Yield (Greenblatt) 7.90
CASS's Earnings Yield (Greenblatt) is ranked higher than
79% of the 960 Companies
in the Global Business Services industry.

( Industry Median: 5.80 vs. CASS: 7.90 )
CASS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.9   Max: 19.9
Current: 7.9

4.9
19.9
Forward Rate of Return (Yacktman) 12.08
CASS's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 739 Companies
in the Global Business Services industry.

( Industry Median: 6.67 vs. CASS: 12.08 )
CASS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.7   Max: 27.3
Current: 12.08

-3.7
27.3

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 
Will be attractive ~ Feb 26 2012 
comment on CASS Oct 03 2011 
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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