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Cass Information SystemsCASS -0.71%62 Equity-to-Asset is 0.10 as of Jun. 2026, which is 9% below its 10-year median of 0.11. GuruFocus rates CASS with a GF Score™ of 62/100 and a GF Value™ of $49.80 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,095 Business Services companies, Cass Information Systems ranks worse than 92.69% on this metric.
Cass Information Systems (NAS:CASS) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Cass Information Systems Equity-to-Asset Related Terms
Cass Information Systems Equity-to-Asset 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.
CASS vs TRNS, BKSY, KODK: Equity-to-Asset Comparison
For the Specialty Business Services subindustry, Cass Information Systems's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Business Services Industry
For the Business Services industry and Industrials sector, Cass Information Systems's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Cass Information Systems's Equity-to-Asset falls into.
Cass Information Systems Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Cass Information Systems's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (CASS) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Cass Information Systems and its competitors. This is near median its historical median of 0.11. Over the past decade, Cass Information Systems' Equity-to-Asset has ranged from 0.07 to 0.15. According to the industry distribution chart, Cass Information Systems ranks #1015 out of 1095 companies in the Business Services industry, placing it in the top 92.7%.
Is Cass Information Systems' Equity-to-Asset too high?
Cass Information Systems' current Equity-to-Asset of 0.10 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.15. The Business Services industry median Equity-to-Asset is 0.52. Cass Information Systems' value of 0.10 is 80.8% below this industry median. Based on the distribution chart, Cass Information Systems ranks #1015 out of 1095 companies in the Business Services industry, which is in the bottom quartile relative to peers. Overall, Cass Information Systems has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cass Information Systems' Equity-to-Asset compare to TRNS and BKSY?
According to the Business Services industry distribution chart, Cass Information Systems ranks #1015 out of 1095 companies for Equity-to-Asset. This places Cass Information Systems in the lower half of its industry. The industry median Equity-to-Asset is 0.52. Cass Information Systems' value of 0.10 is 80.8% below this benchmark. Historically, Cass Information Systems' own Equity-to-Asset has ranged from 0.07 to 0.15 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.52, Cass Information Systems has consistently been below 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 Equity-to-Asset for a Business Services company?
The median Equity-to-Asset among Business Services companies is 0.52, based on 1,095 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cass Information Systems's current Equity-to-Asset of 0.10 is 80.8% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Cass Information Systems and its competitors. For the Business Services industry, the median Equity-to-Asset is 0.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cass Information Systems's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.11. 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?
Based on GuruFocus' analysis, Cass Information Systems (CASS) is currently considered Modestly Overvalued. The stock's GF Value™ is $49.80, compared to a current price of $56.30 — trading 13.1% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.11 and 80.8% below the Business Services industry median of 0.52. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Cass Information Systems (CASS), the current Equity-to-Asset is 0.10 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 (CASS) Overvalued in 2026?
Based on GuruFocus' analysis, Cass Information Systems stock appears to be overvalued.
The current stock price of $56.30 is trading 13.1% above its estimated GF Value™ of $49.80.
GuruFocus considers Cass Information Systems to be Modestly Overvalued.
Key valuation signals for CASS:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.11)
GF Value™: $49.80 vs. price of $56.30 (13.1% above fair value)
Industry Position: 80.8% below the Business Services median (#1015 of 1095)
No single metric tells the full story. See the CASS 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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