Cass Information Systems (FRA:CC3) Moat Score: 5/10 (As of Jul. 02, 2026)


FRA:CC3 Cass Information Systems Inc FRA:CC3
61 GF Score
Price €45.80
GF Value €41.05
! 6 Warning Signs
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What is Cass Information Systems Moat Score?

Cass Information Systems FRA:CC3 61 Moat Score is 5 as of Jul. 02, 2026. GuruFocus rates FRA:CC3 with a GF Score™ of 61/100 and a GF Value™ of €41.05. The stock has 6 warning signs investors should review. Among 1,094 Business Services companies, Cass Information Systems ranks better than 95.98% on this metric.

Cass Information Systems has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Cass Information Systems has Narrow Moat: Cass Information Systems Inc has a solid narrow moat due to its specialized services and customer relationships in the financial services sector. However, it faces competition that limits its market share and pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Cass Information Systems might have Narrow Moat - Solid narrow moat.

Cass Information Systems  (FRA:CC3) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Cass Information Systems Moat Score Related Terms

FRA:CC3 vs SPIR, TRNS, QUAD: Moat Score Comparison

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

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

* The bar in red indicates where Cass Information Systems's Moat Score falls into.


FRA:CC3
61GF Score
Cass Information Systems Inc FRA:CC3
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Cass Information Systems (FRA:CC3) has a Moat Score of 5 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Cass Information Systems ranks #44 out of 1094 companies in the Business Services industry, placing it in the top 4%.
Is Cass Information Systems' Moat Score too high?
Cass Information Systems' current Moat Score is 5. Based on the distribution chart, Cass Information Systems ranks #44 out of 1094 companies in the Business Services industry, which is in the top quartile — a strong position relative to peers. 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' Moat Score compare to SPIR and TRNS?
According to the Business Services industry distribution chart, Cass Information Systems ranks #44 out of 1094 companies for Moat Score. This places Cass Information Systems in the top 4% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Business Services company?
A good Moat Score depends on the Business Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Cass Information Systems's current Moat Score is 5. 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 Moat Score of 5. The stock's GF Value™ is €41.05, compared to a current price of €45.80 — trading 11.6% above its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Cass Information Systems (FRA:CC3), the current Moat Score is 5 as of Jul. 02, 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 €45.80 is trading 11.6% above its estimated GF Value™ of €41.05.

Key valuation signals for FRA:CC3:

  • Moat Score: 5
  • GF Value™: €41.05 vs. price of €45.80 (11.6% 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

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

€45.80
Price
€41.05
GF Value