Cass Information SystemsFRA:CC3 61 Return-on-Tangible-Equity is 15.97% as of Mar. 2026, which is 21% above its 10-year median of 13.17. GuruFocus rates FRA:CC3 with a GF Score™ of 61/100 and a GF Value™ of €42.23. The stock has 6 warning signs investors should review. Among 1,009 Business Services companies, Cass Information Systems ranks better than 62.44% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Cass Information Systems's annualized net income for the quarter that ended in Mar. 2026 was €30.6 Mil. Cass Information Systems's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €191.4 Mil. Therefore, Cass Information Systems's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 15.97%.
The historical rank and industry rank for Cass Information Systems's Return-on-Tangible-Equity or its related term are showing as below:
FRA:CC3'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.19 Med: 13.17 Max: 16.87
Current: 15.87
During the past 13 years, Cass Information Systems's highest Return-on-Tangible-Equity was 16.87%. The lowest was 9.19%. And the median was 13.17%.
FRA:CC3's Return-on-Tangible-Equity is ranked better than 62.44% of 1009
companies
in the Business Services industry
Industry Median: 10.56
vs FRA:CC3: 15.87
Cass Information Systems (FRA:CC3) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Cass Information Systems Return-on-Tangible-Equity Related Terms
Cass Information Systems Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Cass Information Systems's Return-on-Tangible-Equity can be seen below:
* 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 Return-on-Tangible-Equity Chart
FRA:CC3 vs SPIR, TRNS, QUAD: Return-on-Tangible-Equity Comparison
For the Specialty Business Services subindustry, Cass Information Systems's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Business Services Industry
For the Business Services industry and Industrials sector, Cass Information Systems's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Cass Information Systems's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 15.97% mean?
Cass Information Systems (FRA:CC3) has a Return-on-Tangible-Equity of 15.97% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Cass Information Systems and its competitors. This is 21% above median its historical median of 13.17. Over the past decade, Cass Information Systems' Return-on-Tangible-Equity has ranged from 9.19 to 16.87. According to the industry distribution chart, Cass Information Systems ranks #379 out of 1009 companies in the Business Services industry, placing it in the top 37.6%.
Is Cass Information Systems' Return-on-Tangible-Equity too high?
Cass Information Systems' current Return-on-Tangible-Equity of 15.97% is 21% above median its 10-year median of 13.17. Over the past 10 years, this metric has ranged from a low of 9.19 to a high of 16.87. The Business Services industry median Return-on-Tangible-Equity is 10.56. Cass Information Systems' value of 15.97% is 51.2% above this industry median. Based on the distribution chart, Cass Information Systems ranks #379 out of 1009 companies in the Business Services industry, which is above 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' Return-on-Tangible-Equity compare to SPIR and TRNS?
According to the Business Services industry distribution chart, Cass Information Systems ranks #379 out of 1009 companies for Return-on-Tangible-Equity. This puts Cass Information Systems in the upper half of its industry. The industry median Return-on-Tangible-Equity is 10.56. Cass Information Systems' value of 15.97% is 51.2% above this benchmark. Historically, Cass Information Systems' own Return-on-Tangible-Equity has ranged from 9.19 to 16.87 over the past decade. While the company's 10-year median is 13.17 vs. the industry median of 10.56, 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 Return-on-Tangible-Equity for a Business Services company?
The median Return-on-Tangible-Equity among Business Services companies is 10.56, based on 1,009 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cass Information Systems's current Return-on-Tangible-Equity of 15.97% is 51.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Cass Information Systems and its competitors. For the Business Services industry, the median Return-on-Tangible-Equity is 10.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cass Information Systems's current Return-on-Tangible-Equity is 15.97%, which is 21% above median its own 10-year median of 13.17. 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 Return-on-Tangible-Equity of 15.97%. The stock's GF Value™ is €42.23, compared to a current price of €45.80 — trading 8.5% above its estimated fair value. The current Return-on-Tangible-Equity is 15.97%, which is 21% above median its 10-year median of 13.17 and 51.2% above the Business Services industry median of 10.56. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Cass Information Systems (FRA:CC3), the current Return-on-Tangible-Equity is 15.97% 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 €45.80 is trading 8.5% above its estimated GF Value™ of €42.23.
Key valuation signals for FRA:CC3:
Return-on-Tangible-Equity: 15.97% (21% above median its 10-year median of 13.17)
GF Value™: €42.23 vs. price of €45.80 (8.5% above fair value)
Industry Position: 51.2% above the Business Services median (#379 of 1009)
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
Return-on-Tangible-Equity 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 
