* 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.
STU:CC3 vs TRNS, QUAD, BUUU: OCF Margin % Comparison
For the Specialty Business Services subindustry, Cass Information Systems's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Business Services Industry
For the Business Services industry and Industrials sector, Cass Information Systems's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Cass Information Systems's OCF Margin % 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 (STU:CC3) has a OCF Margin % of 29.59% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Cass Information Systems and its competitors. This is near median its historical median of 28.44. Over the past decade, Cass Information Systems' OCF Margin % has ranged from 20.62 to 34.15. According to the industry distribution chart, Cass Information Systems ranks #265 out of 1070 companies in the Business Services industry, placing it in the top 24.8%.
Is Cass Information Systems' OCF Margin % too high?
Cass Information Systems' current OCF Margin % of 29.59% is near median its 10-year median of 28.44. Over the past 10 years, this metric has ranged from a low of 20.62 to a high of 34.15. The Business Services industry median OCF Margin % is 7.08. Cass Information Systems' value of 29.59% is 318.2% above this industry median. Based on the distribution chart, Cass Information Systems ranks #265 out of 1070 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' OCF Margin % compare to TRNS and QUAD?
According to the Business Services industry distribution chart, Cass Information Systems ranks #265 out of 1070 companies for OCF Margin %. This places Cass Information Systems in the top 25% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 7.08. Cass Information Systems' value of 29.59% is 318.2% above this benchmark. Historically, Cass Information Systems' own OCF Margin % has ranged from 20.62 to 34.15 over the past decade. While the company's 10-year median is 28.44 vs. the industry median of 7.08, 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 OCF Margin % for a Business Services company?
The median OCF Margin % among Business Services companies is 7.08, based on 1,070 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cass Information Systems's current OCF Margin % of 29.59% is 318.2% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Cass Information Systems and its competitors. For the Business Services industry, the median OCF Margin % is 7.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cass Information Systems's current OCF Margin % is 29.59%, which is near median its own 10-year median of 28.44. 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 OCF Margin % of 29.59%. The stock's GF Value™ is €41.68, compared to a current price of €44.60 — trading 7% above its estimated fair value. The current OCF Margin % is 29.59%, which is near median its 10-year median of 28.44 and 318.2% above the Business Services industry median of 7.08. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Cass Information Systems (STU:CC3), the current OCF Margin % is 29.59% 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 (STU: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% above its estimated GF Value™ of €41.68.
Key valuation signals for STU:CC3:
OCF Margin %: 29.59% (near median its 10-year median of 28.44)
GF Value™: €41.68 vs. price of €44.60 (7% above fair value)
Industry Position: 318.2% above the Business Services median (#265 of 1070)
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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