Cass Information SystemsFRA:CC3 61 Pretax Margin % is 22.14% as of Mar. 2026, which is 7% below its 10-year median of 23.73. 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. Among 1,074 Business Services companies, Cass Information Systems ranks better than 87.34% on this metric.
The historical rank and industry rank for Cass Information Systems's Pretax Margin % or its related term are showing as below:
FRA:CC3'
s Pretax Margin % Range Over the Past 10 Years
Min: 13.56 Med: 23.73 Max: 26.67
Current: 21.14
FRA:CC3's Pretax Margin % is ranked better than 87.34% of 1074
companies
in the Business Services industry
Industry Median: 5.325
vs FRA:CC3: 21.14
Cass Information Systems (FRA:CC3) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Cass Information Systems Pretax Margin % Related Terms
Cass Information Systems Pretax Margin % 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.
FRA:CC3 vs SPIR, TRNS, QUAD: Pretax Margin % Comparison
For the Specialty Business Services subindustry, Cass Information Systems's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Business Services Industry
For the Business Services industry and Industrials sector, Cass Information Systems's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Cass Information Systems's Pretax 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 (FRA:CC3) has a Pretax Margin % of 22.14% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Cass Information Systems and its competitors. This is near median its historical median of 23.73. Over the past decade, Cass Information Systems' Pretax Margin % has ranged from 13.56 to 26.67. According to the industry distribution chart, Cass Information Systems ranks #136 out of 1074 companies in the Business Services industry, placing it in the top 12.7%.
Is Cass Information Systems' Pretax Margin % too high?
Cass Information Systems' current Pretax Margin % of 22.14% is near median its 10-year median of 23.73. Over the past 10 years, this metric has ranged from a low of 13.56 to a high of 26.67. The Business Services industry median Pretax Margin % is 5.33. Cass Information Systems' value of 22.14% is 315.8% above this industry median. Based on the distribution chart, Cass Information Systems ranks #136 out of 1074 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' Pretax Margin % compare to SPIR and TRNS?
According to the Business Services industry distribution chart, Cass Information Systems ranks #136 out of 1074 companies for Pretax Margin %. This places Cass Information Systems in the top 13% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 5.33. Cass Information Systems' value of 22.14% is 315.8% above this benchmark. Historically, Cass Information Systems' own Pretax Margin % has ranged from 13.56 to 26.67 over the past decade. While the company's 10-year median is 23.73 vs. the industry median of 5.33, 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 Pretax Margin % for a Business Services company?
The median Pretax Margin % among Business Services companies is 5.33, based on 1,074 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cass Information Systems's current Pretax Margin % of 22.14% is 315.8% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Cass Information Systems and its competitors. For the Business Services industry, the median Pretax Margin % is 5.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cass Information Systems's current Pretax Margin % is 22.14%, which is near median its own 10-year median of 23.73. 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 Pretax Margin % of 22.14%. 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 Pretax Margin % is 22.14%, which is near median its 10-year median of 23.73 and 315.8% above the Business Services industry median of 5.33. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Cass Information Systems (FRA:CC3), the current Pretax Margin % is 22.14% 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:
Pretax Margin %: 22.14% (near median its 10-year median of 23.73)
GF Value™: €41.41 vs. price of €44.60 (7.7% above fair value)
Industry Position: 315.8% above the Business Services median (#136 of 1074)
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 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
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:CC3 has been successfully added to your 
