NAS:CASS (USA) Also trade in: Germany

Cass Information Systems Inc

$ 48.03 -0.85 (-1.74%)
Volume: 24,667 Avg Vol (1m): 40,147
Market Cap $: 697.70 Mil Enterprise Value $: 127.48 Mil
P/E (TTM): 23.66 P/B: 3.02
Earnings Power Value 36.44
Net Current Asset Value 0
Tangible Book 14.99
Projected FCF 35.37
Median P/S Value 47.35
Graham Number 26.15
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 6/10

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.
Current vs industry vs history
Cash-to-Debt No Debt
Cash-To-Debt range over the past 10 years
Min: 0.65, Med: 3514.71, Max: 10000
Current: 10000
0.65
10000
Equity-to-Asset 0.14
Equity-to-Asset range over the past 10 years
Min: 0.09, Med: 0.12, Max: 0.15
Current: 0.14
0.09
0.15
Beneish M-Score -2.41
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 4.71%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 20.78
Net Margin range over the past 10 years
Min: 17.93, Med: 20.83, Max: 21.69
Current: 20.78
17.93
21.69
ROE % 13.28
ROE range over the past 10 years
Min: 11.31, Med: 13.1, Max: 15.21
Current: 13.28
11.31
15.21
ROA % 1.83
ROA range over the past 10 years
Min: 1.56, Med: 1.75, Max: 1.85
Current: 1.83
1.56
1.85
3-Year Total Revenue Growth Rate 7.00
3-Year Revenue Growth Rate range over the past 10 years
Min: -13.4, Med: 5.7, Max: 26.9
Current: 7.7
-13.4
26.9
3-Year EPS w/o NRI Growth Rate 10.20
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -1.2, Med: 5.5, Max: 24.2
Current: 10.2
-1.2
24.2

» CASS's 30-Y Financials

Financials (Next Earnings Date: 2019-07-26)

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Business Description

Industry Business Services » Business Services    NAICS : 561499    SIC : 7389
Compare LSE:JSG SZSE:300075 SZSE:300215 SZSE:000996 XTAE:HLAN LSE:MTO NAS:SP SZSE:300579 SHSE:603081 LSE:ITE SZSE:002509 ASX:SIQ LSE:SMS NAS:PAYS XPAR:GLO LSE:RST OHEL:ATG1V SZSE:300202 NYSE:EEX SZSE:300116
Traded in other countries CC3.Germany
Address 12444 Powerscourt Drive, Suite 550, St. Louis, MO, USA, 63131
Cass Information Systems Inc is a U.S.-based company that provides payment and information-processing services. Customers of the company include big manufacturing, distribution, and retail companies. The company operates through two segments. The information services segment offers processing and payment services on transportation, energy, telecommunications, and environmental invoices. Customers of this segment are primarily large corporations. The banking services segment, which refers to the company's subsidiary Cass Commercial Bank, offers banking services to individuals, private businesses, and churches. The company generates all of its revenue from the American domestic market.

Ratios

Current vs industry vs history
PE Ratio (TTM) 23.66
PE Ratio range over the past 10 years
Min: 11.75, Med: 23.65, Max: 34.25
Current: 23.66
11.75
34.25
PE Ratio without NRI 23.66
PE without NRI range over the past 10 years
Min: 11.75, Med: 23.65, Max: 34.25
Current: 23.66
11.75
34.25
Price-to-Owner-Earnings 15.59
Price-to-Owner-Earnings range over the past 10 years
Min: 10.81, Med: 18.61, Max: 28.38
Current: 15.59
10.81
28.38
PB Ratio 3.02
PB Ratio range over the past 10 years
Min: 1.8, Med: 2.78, Max: 4.11
Current: 3.02
1.8
4.11
PS Ratio 4.90
PS Ratio range over the past 10 years
Min: 2.39, Med: 4.82, Max: 7.04
Current: 4.9
2.39
7.04
Price-to-Free-Cash-Flow 16.58
Price-to-Free-Cash-Flow range over the past 10 years
Min: 10.33, Med: 18.18, Max: 32.92
Current: 16.58
10.33
32.92
Price-to-Operating-Cash-Flow 15.29
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 9.77, Med: 16.05, Max: 27.37
Current: 15.29
9.77
27.37
EV-to-Revenue 0.87
EV-to-Revenue range over the past 10 years
Min: -0.7, Med: 1.6, Max: 3.6
Current: 0.87
-0.7
3.6
Shiller PE Ratio 28.34
Shiller PE Ratio range over the past 10 years
Min: 18.31, Med: 26.62, Max: 40.2
Current: 28.34
18.31
40.2

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.97
Trailing Dividend Yield range over the past 10 years
Min: 1.09, Med: 1.58, Max: 2.08
Current: 1.97
1.09
2.08
Dividend Payout Ratio 0.45
Dividend Payout Ratio range over the past 10 years
Min: 0.27, Med: 0.38, Max: 0.45
Current: 0.45
0.27
0.45
3-Year Dividend Growth Rate (Per Share) 9.70
3-Year Dividend Growth Rate range over the past 10 years
Min: 2.6, Med: 9.8, Max: 19.7
Current: 9.7
2.6
19.7
Forward Dividend Yield % 2.13
N/A
Yield-on-Cost (5-Year) % 2.83
Yield-on-Cost (5y) range over the past 10 years
Min: 1.56, Med: 2.27, Max: 2.99
Current: 2.83
1.56
2.99
3-Year Share Buyback Rate 0.50
3-Year Share Buyback Rate range over the past 10 years
Min: -0.8, Med: -0.1, Max: 6.3
Current: 0.5
-0.8
6.3

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 3.20
Price-to-Tangible-Book range over the past 10 years
Min: 1.08, Med: 2.56, Max: 4.42
Current: 3.2
1.08
4.42
Price-to-Projected-FCF 1.36
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.58, Med: 1.34, Max: 2.09
Current: 1.36
0.58
2.09
Price-to-Median-PS-Value 1.01
Price-to-Median-PS-Value range over the past 10 years
Min: 0.24, Med: 0.69, Max: 2.65
Current: 1.01
0.24
2.65
Price-to-Graham-Number 1.84
Price-to-Graham-Number range over the past 10 years
Min: 0.65, Med: 1.4, Max: 2.56
Current: 1.84
0.65
2.56

More Statistics

Revenue (TTM) (Mil) $ 145.99
EPS (TTM) $ 2.03
Beta 0.43
Volatility % 22.44
52-Week Range $ 44.35 - 62.03
Shares Outstanding (Mil) 14.53

Analyst Estimate

Piotroski F-Score Details