Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Cass Information Systems's 3-Year RORE % for the quarter that ended in Mar. 2026 was 9.92%.
The industry rank for Cass Information Systems's 3-Year RORE % or its related term are showing as below:
FRA:CC3's 3-Year RORE % is ranked better than 59.75% of 979
companies
in the Business Services industry
Industry Median: 7.74
vs FRA:CC3: 9.92
Cass Information Systems (FRA:CC3) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Cass Information Systems 3-Year RORE % Related Terms
Cass Information Systems 3-Year RORE % 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: 3-Year RORE % Comparison
For the Specialty Business Services subindustry, Cass Information Systems's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Business Services Industry
For the Business Services industry and Industrials sector, Cass Information Systems's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Cass Information Systems's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Cass Information Systems (FRA:CC3) has a 3-Year RORE % of 9.92 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Cass Information Systems and its competitors. According to the industry distribution chart, Cass Information Systems ranks #394 out of 979 companies in the Business Services industry, placing it in the top 40.2%.
Is Cass Information Systems' 3-Year RORE % too high?
Cass Information Systems' current 3-Year RORE % is 9.92. The Business Services industry median 3-Year RORE % is 7.74. Cass Information Systems' value of 9.92 is 28.2% above this industry median. Based on the distribution chart, Cass Information Systems ranks #394 out of 979 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' 3-Year RORE % compare to SPIR and TRNS?
According to the Business Services industry distribution chart, Cass Information Systems ranks #394 out of 979 companies for 3-Year RORE %. This puts Cass Information Systems in the upper half of its industry. The industry median 3-Year RORE % is 7.74. Cass Information Systems' value of 9.92 is 28.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Business Services company?
The median 3-Year RORE % among Business Services companies is 7.74, based on 979 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cass Information Systems's current 3-Year RORE % of 9.92 is 28.2% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Cass Information Systems and its competitors. For the Business Services industry, the median 3-Year RORE % is 7.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cass Information Systems's current 3-Year RORE % is 9.92. 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 3-Year RORE % of 9.92. The stock's GF Value™ is €41.54, compared to a current price of €45.00 — trading 8.3% above its estimated fair value. The current 3-Year RORE % is 9.92 and 28.2% above the Business Services industry median of 7.74. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Cass Information Systems (FRA:CC3), the current 3-Year RORE % is 9.92 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 €45.00 is trading 8.3% above its estimated GF Value™ of €41.54.
Key valuation signals for FRA:CC3:
3-Year RORE %: 9.92
GF Value™: €41.54 vs. price of €45.00 (8.3% above fair value)
Industry Position: 28.2% above the Business Services median (#394 of 979)
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
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