Cass Information Systems (FRA:CC3) E10: €2.11 (As of Mar. 2026)


FRA:CC3 Cass Information Systems Inc FRA:CC3
61 GF Score
Price €44.60
GF Value €41.41
! 6 Warning Signs
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What is Cass Information Systems E10?

Cass Information Systems FRA:CC3 61 E10 is €2.11 as of Mar. 2026. GuruFocus rates FRA:CC3 with a GF Score™ of 61/100 and a GF Value™ of €41.41. The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Cass Information Systems's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.580. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €2.11 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Cass Information Systems's average E10 Growth Rate was 5.80% per year. During the past 3 years, the average E10 Growth Rate was 3.00% per year. During the past 5 years, the average E10 Growth Rate was 5.00% per year. During the past 10 years, the average E10 Growth Rate was 5.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Cass Information Systems was 13.00% per year. The lowest was 3.00% per year. And the median was 6.90% per year.

As of today (2026-06-27), Cass Information Systems's current stock price is €44.60. Cass Information Systems's E10 for the quarter that ended in Mar. 2026 was €2.11. Cass Information Systems's Shiller PE Ratio of today is 21.14.

During the past 13 years, the highest Shiller PE Ratio of Cass Information Systems was 38.41. The lowest was 15.89. And the median was 22.01.


Cass Information Systems  (FRA:CC3) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Cass Information Systems's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=44.60/2.11
=21.14

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Cass Information Systems was 38.41. The lowest was 15.89. And the median was 22.01.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Cass Information Systems E10 Related Terms


Cass Information Systems E10 Historical Data

* Premium members only.

The historical data trend for Cass Information Systems's E10 can be seen below:

* 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 E10 Chart

Cass Information Systems Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.75 1.97 2.05 2.13 2.00

Cass Information Systems Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.05 1.99 1.99 2.00 2.11

FRA:CC3 vs TRNS, QUAD, BUUU: E10 Comparison

For the Specialty Business Services subindustry, Cass Information Systems's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Business Services Industry

For the Business Services industry and Industrials sector, Cass Information Systems's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Cass Information Systems's Shiller PE Ratio falls into.


FRA:CC3
61GF Score
Cass Information Systems Inc FRA:CC3
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cass Information Systems E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Cass Information Systems's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.58/330.2130*330.2130
=0.580

Current CPI (Mar. 2026) = 330.2130.

Cass Information Systems Quarterly Data

per share eps CPI Adj_EPS
201606 0.351 241.018 0.481
201609 0.371 241.428 0.507
201612 0.408 241.432 0.558
201703 0.397 243.801 0.538
201706 0.386 244.955 0.520
201709 0.385 246.819 0.515
201712 0.303 246.524 0.406
201803 0.438 249.554 0.580
201806 0.428 251.989 0.561
201809 0.437 252.439 0.572
201812 0.413 251.233 0.543
201903 0.487 254.202 0.633
201906 0.460 256.143 0.593
201909 0.508 256.759 0.653
201912 0.387 256.974 0.497
202003 0.471 258.115 0.603
202006 0.329 257.797 0.421
202009 0.340 260.280 0.431
202012 0.362 260.474 0.459
202103 0.412 264.877 0.514
202106 0.398 271.696 0.484
202109 0.408 274.310 0.491
202112 0.487 278.802 0.577
202203 0.545 287.504 0.626
202206 0.587 296.311 0.654
202209 0.646 296.808 0.719
202212 0.632 296.797 0.703
202303 0.476 301.836 0.521
202306 0.480 305.109 0.519
202309 0.506 307.789 0.543
202312 0.559 306.746 0.602
202403 0.478 312.332 0.505
202406 0.297 314.175 0.312
202409 0.189 315.301 0.198
202412 0.315 315.605 0.330
202503 0.610 319.799 0.630
202506 0.572 322.561 0.586
202509 0.579 324.800 0.589
202512 0.529 324.054 0.539
202603 0.580 330.213 0.580

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €2.11 mean?
Cass Information Systems (FRA:CC3) has a E10 of €2.11 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Cass Information Systems and its competitors.
Is Cass Information Systems' E10 too high?
Cass Information Systems' current E10 is €2.11. Overall, Cass Information Systems has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Cass Information Systems' E10 compare to TRNS and QUAD?
Cass Information Systems' E10 of €2.11 can be compared against companies in the Business Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Business Services company?
A good E10 depends on the Business Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Cass Information Systems and its competitors. Cass Information Systems's current E10 is €2.11. 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 E10 of €2.11. The stock's GF Value™ is €41.41, compared to a current price of €44.60 — trading 7.7% above its estimated fair value. The current E10 is €2.11. Cass Information Systems' overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Cass Information Systems (FRA:CC3), the current E10 is €2.11 as of Mar. 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 €44.60 is trading 7.7% above its estimated GF Value™ of €41.41.

Key valuation signals for FRA:CC3:

  • E10: €2.11
  • GF Value™: €41.41 vs. price of €44.60 (7.7% above fair value)
  • GF Score™: 61/100 with 6 warning signs

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 Business Description

Other Exchanges CASS:USA
Address 12444 Powerscourt Drive, Suite 550, St. Louis, MO, USA, 63131
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.
61GF Score

Get the complete analysis for FRA:CC3

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€44.60
Price
€41.41
GF Value