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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 No Debt
CASS's Cash-to-Debt is ranked higher than
100% of the 713 Companies
in the Global Business Services industry.

( Industry Median: 1.26 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: 1423.44 Max: No Debt
Current: No Debt
Equity-to-Asset 0.15
CASS's Equity-to-Asset is ranked lower than
91% of the 688 Companies
in the Global Business Services industry.

( Industry Median: 0.51 vs. CASS: 0.15 )
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: 0.15
0.09
0.15
Interest Coverage 16.12
CASS's Interest Coverage is ranked lower than
54% of the 620 Companies
in the Global Business Services industry.

( Industry Median: 20.33 vs. CASS: 16.12 )
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: 16.12
Current: 16.12
3.26
16.12
WACC vs ROIC
8.52%
31.29%
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 % 25.43
CASS's Operating Margin % is ranked higher than
92% of the 701 Companies
in the Global Business Services industry.

( Industry Median: 5.91 vs. CASS: 25.43 )
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: 25.43
23.93
28.99
Net Margin % 19.61
CASS's Net Margin % is ranked higher than
91% of the 703 Companies
in the Global Business Services industry.

( Industry Median: 3.78 vs. CASS: 19.61 )
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: 19.61
17.93
21.17
ROE % 11.79
CASS's ROE % is ranked higher than
60% of the 682 Companies
in the Global Business Services industry.

( Industry Median: 8.54 vs. CASS: 11.79 )
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: 11.79
11.31
19.41
ROA % 1.68
CASS's ROA % is ranked lower than
64% of the 716 Companies
in the Global Business Services industry.

( Industry Median: 3.35 vs. CASS: 1.68 )
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: 1.68
1.56
2.13
3-Year Revenue Growth Rate 3.50
CASS's 3-Year Revenue Growth Rate is ranked lower than
53% of the 567 Companies
in the Global Business Services industry.

( Industry Median: 4.60 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: 4.8 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 502 Companies
in the Global Business Services industry.

( Industry Median: 5.10 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  Med: 5.4 Max: 26.9
Current: 3.9
0
26.9
3-Year EPS without NRI Growth Rate 2.10
CASS's 3-Year EPS without NRI Growth Rate is ranked lower than
59% of the 453 Companies
in the Global Business Services industry.

( Industry Median: 7.50 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: -1.3  Med: 5.4 Max: 24.3
Current: 2.1
-1.3
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 30-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


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

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Business Description

Industry: Business Services » Business Services    NAICS: 561499    SIC: 7389
Compare:NYSE:LKSD, NYSE:TISI, NAS:FORR, NAS:RPXC, NAS:SP, NYSE:RRD, NYSE:CBZ, NAS:ICFI, NYSE:NCI, NYSE:VVI » details
Headquarter Location:USA
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 29.56
CASS's PE Ratio is ranked lower than
66% of the 543 Companies
in the Global Business Services industry.

( Industry Median: 21.88 vs. CASS: 29.56 )
Ranked among companies with meaningful PE Ratio only.
CASS' s PE Ratio Range Over the Past 10 Years
Min: 11.74  Med: 19.26 Max: 34.22
Current: 29.56
11.74
34.22
PE Ratio without NRI 29.56
CASS's PE Ratio without NRI is ranked lower than
66% of the 545 Companies
in the Global Business Services industry.

( Industry Median: 21.90 vs. CASS: 29.56 )
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: 19.1 Max: 34.22
Current: 29.56
11.73
34.22
Price-to-Owner-Earnings 21.20
CASS's Price-to-Owner-Earnings is ranked lower than
55% of the 361 Companies
in the Global Business Services industry.

( Industry Median: 20.18 vs. CASS: 21.20 )
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: 21.2
10.81
27.55
PB Ratio 3.41
CASS's PB Ratio is ranked lower than
65% of the 672 Companies
in the Global Business Services industry.

( Industry Median: 2.37 vs. CASS: 3.41 )
Ranked among companies with meaningful PB Ratio only.
CASS' s PB Ratio Range Over the Past 10 Years
Min: 1.8  Med: 2.77 Max: 4.11
Current: 3.41
1.8
4.11
PS Ratio 5.82
CASS's PS Ratio is ranked lower than
88% of the 678 Companies
in the Global Business Services industry.

( Industry Median: 1.32 vs. CASS: 5.82 )
Ranked among companies with meaningful PS Ratio only.
CASS' s PS Ratio Range Over the Past 10 Years
Min: 2.39  Med: 4.34 Max: 13.22
Current: 5.82
2.39
13.22
Price-to-Free-Cash-Flow 25.19
CASS's Price-to-Free-Cash-Flow is ranked lower than
61% of the 323 Companies
in the Global Business Services industry.

( Industry Median: 20.69 vs. CASS: 25.19 )
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: 10.32  Med: 17.17 Max: 32.92
Current: 25.19
10.32
32.92
Price-to-Operating-Cash-Flow 21.83
CASS's Price-to-Operating-Cash-Flow is ranked lower than
78% of the 396 Companies
in the Global Business Services industry.

( Industry Median: 13.31 vs. CASS: 21.83 )
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: 15.84 Max: 27.36
Current: 21.83
9.77
27.36
EV-to-EBIT 19.77
CASS's EV-to-EBIT is ranked lower than
63% of the 550 Companies
in the Global Business Services industry.

( Industry Median: 16.30 vs. CASS: 19.77 )
Ranked among companies with meaningful EV-to-EBIT only.
CASS' s EV-to-EBIT Range Over the Past 10 Years
Min: -23.5  Med: 11.75 Max: 21.3
Current: 19.77
-23.5
21.3
EV-to-EBITDA 15.15
CASS's EV-to-EBITDA is ranked lower than
62% of the 585 Companies
in the Global Business Services industry.

( Industry Median: 12.33 vs. CASS: 15.15 )
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: 15.15
-28.8
18
PEG Ratio 10.71
CASS's PEG Ratio is ranked lower than
88% of the 257 Companies
in the Global Business Services industry.

( Industry Median: 2.04 vs. CASS: 10.71 )
Ranked among companies with meaningful PEG Ratio only.
CASS' s PEG Ratio Range Over the Past 10 Years
Min: 0.36  Med: 3.05 Max: 13.11
Current: 10.71
0.36
13.11
Shiller PE Ratio 31.93
CASS's Shiller PE Ratio is ranked lower than
58% of the 160 Companies
in the Global Business Services industry.

( Industry Median: 29.46 vs. CASS: 31.93 )
Ranked among companies with meaningful Shiller PE Ratio only.
CASS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 18.53  Med: 26.79 Max: 40.42
Current: 31.93
18.53
40.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.40
CASS's Dividend Yield % is ranked lower than
75% of the 674 Companies
in the Global Business Services industry.

( Industry Median: 1.53 vs. CASS: 1.40 )
Ranked among companies with meaningful Dividend Yield % only.
CASS' s Dividend Yield % Range Over the Past 10 Years
Min: 1.09  Med: 1.55 Max: 2.08
Current: 1.4
1.09
2.08
Dividend Payout Ratio 0.41
CASS's Dividend Payout Ratio is ranked higher than
55% of the 407 Companies
in the Global Business Services industry.

( Industry Median: 0.43 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: 0.23  Med: 0.31 Max: 0.43
Current: 0.41
0.23
0.43
3-Year Dividend Growth Rate 6.30
CASS's 3-Year Dividend Growth Rate is ranked lower than
52% of the 284 Companies
in the Global Business Services industry.

( Industry Median: 7.20 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: 9.9 Max: 19.8
Current: 6.3
2.5
19.8
Forward Dividend Yield % 1.42
CASS's Forward Dividend Yield % is ranked lower than
82% of the 621 Companies
in the Global Business Services industry.

( Industry Median: 2.58 vs. CASS: 1.42 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.32
CASS's 5-Year Yield-on-Cost % is ranked lower than
62% of the 812 Companies
in the Global Business Services industry.

( Industry Median: 2.82 vs. CASS: 2.32 )
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: 1.8  Med: 2.57 Max: 3.44
Current: 2.32
1.8
3.44
3-Year Average Share Buyback Ratio 1.00
CASS's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 421 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: -0.2 Max: 6.3
Current: 1
-0.8
6.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.67
CASS's Price-to-Tangible-Book is ranked lower than
58% of the 532 Companies
in the Global Business Services industry.

( Industry Median: 2.90 vs. CASS: 3.67 )
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: 2.46 Max: 4.42
Current: 3.67
1.08
4.42
Price-to-Intrinsic-Value-Projected-FCF 1.68
CASS's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
55% of the 366 Companies
in the Global Business Services industry.

( Industry Median: 1.53 vs. CASS: 1.68 )
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: 0.55  Med: 1.29 Max: 2.08
Current: 1.68
0.55
2.08
Price-to-Median-PS-Value 1.34
CASS's Price-to-Median-PS-Value is ranked lower than
63% of the 604 Companies
in the Global Business Services industry.

( Industry Median: 1.17 vs. CASS: 1.34 )
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: 0.27  Med: 0.74 Max: 2.94
Current: 1.34
0.27
2.94
Price-to-Graham-Number 2.20
CASS's Price-to-Graham-Number is ranked lower than
59% of the 391 Companies
in the Global Business Services industry.

( Industry Median: 1.70 vs. CASS: 2.20 )
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: 1.36 Max: 2.56
Current: 2.2
0.65
2.56
Earnings Yield (Greenblatt) % 5.05
CASS's Earnings Yield (Greenblatt) % is ranked higher than
51% of the 714 Companies
in the Global Business Services industry.

( Industry Median: 4.80 vs. CASS: 5.05 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CASS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -22.3  Med: 8 Max: 19.9
Current: 5.05
-22.3
19.9
Forward Rate of Return (Yacktman) % 6.60
CASS's Forward Rate of Return (Yacktman) % is ranked lower than
61% of the 375 Companies
in the Global Business Services industry.

( Industry Median: 10.50 vs. CASS: 6.60 )
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: 6  Med: 11.65 Max: 45.2
Current: 6.6
6
45.2

More Statistics

Revenue (TTM) (Mil) $126.56
EPS (TTM) $ 2.20
Beta1.06
Short Percentage of Float3.57%
52-Week Range $48.51 - 74.83
Shares Outstanding (Mil)11.20
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Cass Information Systems, Inc. breached its 50 day moving average in a Bearish Manner : CASS-US :... Jun 22 2017
Cass Information Systems, Inc. breached its 50 day moving average in a Bullish Manner : CASS-US :... Jun 09 2017
Cass Information Systems, Inc. : CASS-US: Dividend Analysis : June 02nd, 2017 (record date) : By the... Jun 01 2017
Cass Information Systems, Inc. :CASS-US: Earnings Analysis: Q1, 2017 By the Numbers : June 1, 2017 Jun 01 2017
Cass Information Systems, Inc. breached its 50 day moving average in a Bearish Manner : CASS-US :... May 12 2017
Cass posts 1Q profit Apr 27 2017
1st Quarter 2017 Earnings Up 10% at Cass Information Systems, Inc. Apr 27 2017
Cass Information Systems, Inc. breached its 50 day moving average in a Bullish Manner : CASS-US :... Apr 18 2017
Cass Information Systems, Inc. breached its 50 day moving average in a Bullish Manner : CASS-US :... Mar 31 2017
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 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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ETF’s with exposure to Cass Information Systems, Inc. : October 27, 2016 Oct 27 2016

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