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Cass Information Systems, Inc. CASS

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Price alert · CASS

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52.74 USD -0.97 -1.81%

At close · Oct 30

52.74 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
52.58 × 2
Ask
52.70 × 2
52.61 Day range 54.04
39.15 52-week range 58.54
YTD
+27.02%
1 year
+33.52%
Open
54.04
Prev close
53.71
Mkt cap
675.40M
Vol
93.21K
Avg vol
79.45K
EPS
2.90
P/E
18.19
Div yield
2.95%
More statistics
Low
52.61
High
54.04
Forward P/E
16.39
Beta
0.71
Short ratio
4.61
Inst. own
66.55%
Dividend
1.24
Ex-div date
Dec 2, 2024
Earnings
Jan 23, 2025
50-d avg
43.54
200-d avg
42.97
1y target
49.00

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Financial health

Altman Z-Score

-0.03 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 3
  • P/B 2

Valuation

P/E 15.6×
FY 2016: 33.8×FY 2017: 28.5×FY 2018: 25.7×FY 2019: 27.4×FY 2020: 22.2×FY 2021: 19.4×FY 2022: 17.8×FY 2023: 20.3×FY 2024: 28.8×FY 2025: 15.6×
FY 2016 5y median 19.4× FY 2025
P/S 2.9×
FY 2016: 6.5×FY 2017: 5.2×FY 2018: 5.1×FY 2019: 5.1×FY 2020: 3.8×FY 2021: 3.6×FY 2022: 3.3×FY 2023: 2.9×FY 2024: 2.5×FY 2025: 2.9×
FY 2016 5y median 2.9× FY 2025
P/B 2.3×
FY 2016: 3.9×FY 2017: 3.2×FY 2018: 3.4×FY 2019: 3.4×FY 2020: 2.1×FY 2021: 2.3×FY 2022: 3.0×FY 2023: 2.7×FY 2024: 2.4×FY 2025: 2.3×
FY 2016 5y median 2.4× FY 2025
P/FCF 17.2×
FY 2016: 26.9×FY 2017: 20.5×FY 2018: 17.7×FY 2019: 21.2×FY 2020: 12.2×FY 2021: 18.6×FY 2022: 13.6×FY 2023: 27.5×FY 2024: 18.6×FY 2025: 17.2×
FY 2016 5y median 18.6× FY 2025
EV/EBITDA 3.5×
FY 2016: 26.0×FY 2017: 20.3×FY 2018: 20.8×FY 2019: 15.3×FY 2020: -3.1×FY 2021: 1.2×FY 2022: 8.8×FY 2023: 5.9×FY 2024: 6.7×FY 2025: 3.5×
FY 2016 5y median 5.9× FY 2025
EV/Sales 0.8×
FY 2016: 8.6×FY 2017: 6.8×FY 2018: 6.5×FY 2019: 4.0×FY 2020: -0.7×FY 2021: 0.3×FY 2022: 2.2×FY 2023: 1.2×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 0.9× FY 2025
FCF Yield 5.8%
FY 2016: 3.7%FY 2017: 4.9%FY 2018: 5.7%FY 2019: 4.7%FY 2020: 8.2%FY 2021: 5.4%FY 2022: 7.4%FY 2023: 3.6%FY 2024: 5.4%FY 2025: 5.8%
FY 2016 5y median 5.4% FY 2025

Profitability

Gross Margin 100.0%
FY 2016: 92.6%FY 2017: 92.5%FY 2018: 91.8%FY 2019: 90.9%FY 2020: 83.2%FY 2021: 92.6%FY 2022: 93.1%FY 2023: 87.8%FY 2024: 85.3%FY 2025: 100.0%
FY 2016 5y median 92.6% FY 2025
Operating Margin 20.3%
FY 2016: 25.4%FY 2017: 25.4%FY 2018: 23.9%FY 2019: 23.0%FY 2020: 20.5%FY 2021: 21.8%FY 2022: 22.9%FY 2023: 17.6%FY 2024: 11.0%FY 2025: 20.3%
FY 2016 5y median 20.3% FY 2025
Net Margin 18.4%
FY 2016: 19.3%FY 2017: 18.2%FY 2018: 19.9%FY 2019: 18.7%FY 2020: 17.0%FY 2021: 18.4%FY 2022: 18.6%FY 2023: 14.1%FY 2024: 8.7%FY 2025: 18.4%
FY 2016 5y median 18.4% FY 2025
ROE 14.5%
FY 2016: 11.7%FY 2017: 11.1%FY 2018: 13.2%FY 2019: 12.5%FY 2020: 9.6%FY 2021: 11.6%FY 2022: 16.9%FY 2023: 13.1%FY 2024: 8.4%FY 2025: 14.5%
FY 2016 5y median 13.1% FY 2025
ROIC 19.7%
FY 2016: -5.1%FY 2017: -4.6%FY 2018: 7.2%FY 2019: 8.5%FY 2020: 7.1%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 19.7%
FY 2016 5y median 0.0% FY 2025
ROA 1.3%
FY 2016: 1.6%FY 2017: 1.6%FY 2018: 1.8%FY 2019: 1.7%FY 2020: 1.1%FY 2021: 1.1%FY 2022: 1.4%FY 2023: 1.2%FY 2024: 0.8%FY 2025: 1.3%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue -13.1%
FY 2016: 3.3%FY 2017: 9.1%FY 2018: 10.6%FY 2019: 7.0%FY 2020: -8.9%FY 2021: 4.8%FY 2022: 20.7%FY 2023: 13.8%FY 2024: 3.1%FY 2025: -13.1%
FY 2016 FY 2025
Operating Income 60.0%
FY 2016: 8.2%FY 2017: 8.8%FY 2018: 4.1%FY 2019: 3.1%FY 2020: -19.0%FY 2021: 11.5%FY 2022: 26.8%FY 2023: -12.7%FY 2024: -35.4%FY 2025: 60.0%
FY 2016 FY 2025
EPS (diluted) 87.8%
FY 2016: 7.2%FY 2017: 3.1%FY 2018: 20.8%FY 2019: 2.0%FY 2020: -16.4%FY 2021: 15.6%FY 2022: 26.5%FY 2023: -13.8%FY 2024: -36.2%FY 2025: 87.8%
FY 2016 FY 2025
Free Cash Flow 7.3%
FY 2016: 9.9%FY 2017: 14.0%FY 2018: 26.4%FY 2019: -10.3%FY 2020: 16.2%FY 2021: -34.1%FY 2022: 51.6%FY 2023: -50.6%FY 2024: 31.0%FY 2025: 7.3%
FY 2016 FY 2025

Financial Health

Current Ratio 1.1×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.9×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.1×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 1.1×
FY 2016: 0.2×FY 2017: 1.6×FY 2018: 0.9×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.1×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.0×
FY 2016: 2.0×FY 2017: 1.8×FY 2018: 1.8×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -8.4×
FY 2016: 6.2×FY 2017: 4.9×FY 2018: 4.5×FY 2019: -4.4×FY 2020: -18.8×FY 2021: -13.2×FY 2022: -4.2×FY 2023: -8.8×FY 2024: -11.6×FY 2025: -8.4×
FY 2016 5y median -8.8× FY 2025
Interest Coverage 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 18733×FY 2020: 15172×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 323×FY 2024: 24220×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025

Dividends

Dividend Yield 3.0%
FY 2016: 1.2%FY 2017: 1.5%FY 2018: 1.7%FY 2019: 1.8%FY 2020: 2.8%FY 2021: 2.7%FY 2022: 2.5%FY 2023: 2.6%FY 2024: 3.0%FY 2025: 3.0%
FY 2016 5y median 2.7% FY 2025
Payout Ratio 47.0%
FY 2016: 41.0%FY 2017: 42.7%FY 2018: 43.5%FY 2019: 50.1%FY 2020: 62.0%FY 2021: 54.0%FY 2022: 44.2%FY 2023: 53.1%FY 2024: 85.9%FY 2025: 47.0%
FY 2016 5y median 53.1% FY 2025

Annual · latest fiscal year ends 2025-12-31