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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Cass Information Systems's Debt-to-Equity or its related term are showing as below:
FRA:CC3'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.07 Med: 0.33 Max: 0.6
Current: 0.33
During the past 13 years, the highest Debt-to-Equity Ratio of Cass Information Systems was 0.60. The lowest was 0.07. And the median was 0.33.
FRA:CC3's Debt-to-Equity is ranked better than 50.36% of 961
companies
in the Business Services industry
Industry Median: 0.33
vs FRA:CC3: 0.33
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Cass Information Systems Debt-to-Equity Related Terms
Cass Information Systems Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:CC3 vs TRNS, BKSY, KODK: Debt-to-Equity Comparison
For the Specialty Business Services subindustry, Cass Information Systems's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Cass Information Systems Debt-to-Equity vs Business Services Industry
For the Business Services industry and Industrials sector, Cass Information Systems's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Cass Information Systems's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Cass Information Systems (FRA:CC3) has a Debt-to-Equity of 0.33 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Cass Information Systems and its competitors. This is near median its historical median of 0.33. Over the past decade, Cass Information Systems' Debt-to-Equity has ranged from 0.07 to 0.60. According to the industry distribution chart, Cass Information Systems ranks #477 out of 961 companies in the Business Services industry, placing it in the top 49.6%.
Is Cass Information Systems' Debt-to-Equity too high?
Cass Information Systems' current Debt-to-Equity of 0.33 is near median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.60. The Business Services industry median Debt-to-Equity is 0.33. Cass Information Systems' value of 0.33 is 0% at this industry median. Based on the distribution chart, Cass Information Systems ranks #477 out of 961 companies in the Business Services industry, which is above the industry midpoint. Overall, Cass Information Systems has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Cass Information Systems' Debt-to-Equity compare to TRNS and BKSY?
According to the Business Services industry distribution chart, Cass Information Systems ranks #477 out of 961 companies for Debt-to-Equity. This puts Cass Information Systems in the upper half of its industry. The industry median Debt-to-Equity is 0.33. Cass Information Systems' value of 0.33 is 0% at this benchmark. Historically, Cass Information Systems' own Debt-to-Equity has ranged from 0.07 to 0.60 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 0.33, Cass Information Systems has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Business Services company?
The median Debt-to-Equity among Business Services companies is 0.33, based on 961 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cass Information Systems's current Debt-to-Equity of 0.33 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Cass Information Systems and its competitors. For the Business Services industry, the median Debt-to-Equity is 0.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cass Information Systems's current Debt-to-Equity is 0.33, which is near median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cass Information Systems stock overvalued right now?
Cass Information Systems (FRA:CC3) has a current Debt-to-Equity of 0.33. The stock's GF Value™ is €42.72, compared to a current price of €50.00 — trading 17% above its estimated fair value. The current Debt-to-Equity is 0.33, which is near median its 10-year median of 0.33 and 0% at the Business Services industry median of 0.33. Cass Information Systems' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Cass Information Systems (FRA:CC3), the current Debt-to-Equity is 0.33 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Cass Information Systems (FRA:CC3) Overvalued in 2026?
Based on GuruFocus' analysis, Cass Information Systems stock appears to be overvalued.
The current stock price of €50.00 is trading 17% above its estimated GF Value™ of €42.72.
Key valuation signals for FRA:CC3:
Debt-to-Equity: 0.33 (near median its 10-year median of 0.33)
GF Value™: €42.72 vs. price of €50.00 (17% above fair value)
Industry Position: 0% at the Business Services median (#477 of 961)
No single metric tells the full story. See the FRA:CC3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cass Information Systems Inc is a provider of payment and information processing services to large manufacturing, distribution, and retail enterprises across the United States. The company provides transportation invoice rating, payment processing, auditing, accounting, and transportation information. It is also a processor and payer of energy invoices, including electricity, gas, waste, and other facility-related expenses. Additionally, the firm has a banking subsidiary, offering banking services mainly to privately held businesses in the St. Louis metropolitan area and restaurant franchises and faith-based ministries within the United States. The company operates in two reportable segments: Information Services, which generates the maximum revenue, and Banking Services.
62GF Score
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