EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Cass Information Systems's Enterprise Value is €506.7 Mil.
Cass Information Systems's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €21.8 Mil. Therefore, Cass Information Systems's EV-to-FCF for today is 23.24.
The historical rank and industry rank for Cass Information Systems's EV-to-FCF or its related term are showing as below:
STU:CC3'
s EV-to-FCF Range Over the Past 10 Years
Min: -2.28 Med: 11.11 Max: 24.64
Current: 22.67
During the past 13 years, the highest EV-to-FCF of Cass Information Systems was 24.64. The lowest was -2.28. And the median was 11.11.
STU:CC3's EV-to-FCF is ranked worse than 71.61% of 722
companies
in the Business Services industry
Industry Median: 12.275
vs STU:CC3: 22.67
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Cass Information Systems (STU:CC3) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Cass Information Systems's PE Ratio (TTM) for today is calculated as:
Cass Information Systems's share price for today is €45.60.
Cass Information Systems's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €2.260.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Cass Information Systems EV-to-FCF Related Terms
Cass Information Systems EV-to-FCF 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.
For the Specialty Business Services subindustry, Cass Information Systems's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Business Services Industry
For the Business Services industry and Industrials sector, Cass Information Systems's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Cass Information Systems's EV-to-FCF falls into.
Cass Information Systems's current Enterprise Value is €506.7 Mil.
Cass Information Systems's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €21.8 Mil.
* 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 (STU:CC3) has a EV-to-FCF of 23.24 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Cass Information Systems and its competitors. This is 109% above median its historical median of 11.11. According to the industry distribution chart, Cass Information Systems ranks #517 out of 722 companies in the Business Services industry, placing it in the top 71.6%.
Is Cass Information Systems' EV-to-FCF too high?
Cass Information Systems' current EV-to-FCF of 23.24 is 109% above median its 10-year median of 11.11. The Business Services industry median EV-to-FCF is 12.28. Cass Information Systems' value of 23.24 is 89.3% above this industry median. Based on the distribution chart, Cass Information Systems ranks #517 out of 722 companies in the Business Services industry, which is below the industry midpoint. 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' EV-to-FCF compare to SPIR and TRNS?
According to the Business Services industry distribution chart, Cass Information Systems ranks #517 out of 722 companies for EV-to-FCF. This places Cass Information Systems in the lower half of its industry. The industry median EV-to-FCF is 12.28. Cass Information Systems' value of 23.24 is 89.3% above this benchmark. While the company's 10-year median is 11.11 vs. the industry median of 12.28, Cass Information Systems has consistently been above 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 EV-to-FCF for a Business Services company?
The median EV-to-FCF among Business Services companies is 12.28, based on 722 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cass Information Systems's current EV-to-FCF of 23.24 is 89.3% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Cass Information Systems and its competitors. For the Business Services industry, the median EV-to-FCF is 12.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cass Information Systems's current EV-to-FCF is 23.24, which is 109% above median its own 10-year median of 11.11. 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 (STU:CC3) has a current EV-to-FCF of 23.24. The stock's GF Value™ is €41.68, compared to a current price of €45.60 — trading 9.4% above its estimated fair value. The current EV-to-FCF is 23.24, which is 109% above median its 10-year median of 11.11 and 89.3% above the Business Services industry median of 12.28. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Cass Information Systems (STU:CC3), the current EV-to-FCF is 23.24 as of Jul. 04, 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 (STU:CC3) Overvalued in 2026?
Based on GuruFocus' analysis, Cass Information Systems stock appears to be overvalued.
The current stock price of €45.60 is trading 9.4% above its estimated GF Value™ of €41.68.
Key valuation signals for STU:CC3:
EV-to-FCF: 23.24 (109% above median its 10-year median of 11.11)
GF Value™: €41.68 vs. price of €45.60 (9.4% above fair value)
Industry Position: 89.3% above the Business Services median (#517 of 722)
No single metric tells the full story. See the STU: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.
61GF Score
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