Cass Information Financials

CASS Stock  USD 42.81  0.23  0.53%   
Based on the analysis of Cass Information's profitability, liquidity, and operating efficiency, Cass Information Systems is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in April. At this time, Cass Information's Other Assets are comparatively stable compared to the past year. Total Liabilities is likely to gain to about 2.3 B in 2025, whereas Total Stockholder Equity is likely to drop slightly above 154.4 M in 2025. Key indicators impacting Cass Information's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.130.0962
Significantly Up
Slightly volatile
Return On Assets0.00760.008
Notably Down
Slightly volatile
Return On Equity0.140.0837
Way Up
Pretty Stable
Debt Equity Ratio0.03150.0332
Notably Down
Slightly volatile
Current Ratio0.340.3529
Sufficiently Down
Slightly volatile
Investors should never underestimate Cass Information's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Cass Information's cash flow, debt, and profitability to make informed and accurate decisions about investing in Cass Information Systems.

Net Income

19.61 Million

  
Understanding current and past Cass Information Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Cass Information's financial statements are interrelated, with each one affecting the others. For example, an increase in Cass Information's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Cass Information's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Cass Information Systems. Check Cass Information's Beneish M Score to see the likelihood of Cass Information's management manipulating its earnings.

Cass Information Stock Summary

Cass Information competes with First Advantage, Rentokil Initial, CBIZ, Civeo Corp, and Network 1. Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. Cass Information Systems, Inc. was founded in 1906 and is headquartered in St. Cass Information operates under Specialty Business Services classification in the United States and is traded on NASDAQ Exchange. It employs 884 people.
Specialization
Industrials, Commercial & Professional Services
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS14808P1093
CUSIP14808P109 147741102
LocationMissouri; U.S.A
Business Address12444 Powerscourt Drive,
SectorProfessional Services
IndustryIndustrials
BenchmarkDow Jones Industrial
Websitewww.cassinfo.com
Phone314 506 5500
CurrencyUSD - US Dollar

Cass Information Key Financial Ratios

Cass Information Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets2.2B2.6B2.6B2.5B2.4B1.3B
Net Debt(418.6M)365.8M(191.4M)(364.0M)(19.3M)(18.4M)
Retained Earnings99.1M112.2M131.7M145.8M148.5M90.1M
Cash424.8M12.3M200.9M372.5M19.3M18.4M
Other Assets1.0B155.5M546.0M1.9B1.9B2.0B
Net Receivables879.7M5.0M95.8M110.7M55.9M53.1M
Total Liab835.4M1.1B2.4B2.2B2.2B2.3B
Total Current Assets782.5M1.2B1.1B483.1M405.6M247.7M
Other Liab96.8M87.1M66.8M41.5M47.7M35.3M
Accounts Payable835.4M1.1B1.1B1.1B1.1B768.0M
Treasury Stock(40.0M)(45.4M)(50.5M)(78.9M)(71.0M)(67.5M)
Other Current Liab(835.4M)(1.1B)(1.1B)1.1B1.0B1.1B
Other Current Assets(670.5M)582.9M587.6M(483.1M)(434.8M)(413.1M)
Intangible Assets3.4M2.6M4.1M3.3M5.0M3.1M
Net Tangible Assets225.6M243.5M230.6M184.9M212.6M217.4M
Capital Surpluse205.8M205.4M204.9M204.3M234.9M173.7M
Inventory(558.1M)(209.2M)514.9M296.7M1.151.21

Cass Information Key Income Statement Accounts

The reason investors look at the income statement is to determine what Cass Information's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
202020212022202320242025 (projected)
Interest Expense2.4M1.2M3.5M16.3M20.3M21.3M
Total Revenue145.0M154.0M183.8M213.2M199.2M189.2M
Gross Profit118.4M125.8M150.7M95.1M187.4M178.1M
Operating Income30.3M33.8M46.4M88.3M12.5M13.1M
Ebit(76.2M)(82.4M)(93.3M)53.6M48.3M50.7M
Ebitda41.6M39.0M51.1M58.6M12.5M11.8M
Income Before Tax30.3M33.8M42.9M37.4M24.2M26.1M
Net Income25.2M28.6M34.9M30.1M19.2M19.6M
Income Tax Expense5.2M5.2M8.0M7.3M5.1M6.5M
Cost Of Revenue26.6M28.2M33.1M118.1M11.8M11.2M
Tax Provision5.2M5.2M8.0M7.2M5.1M5.5M
Net Interest Income45.3M44.3M58.8M66.8M67.8M55.3M
Interest Income47.7M44.3M58.8M80.5M88.0M61.3M

Cass Information Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash466.6M(155.6M)(314.0M)171.5M(22.7M)(21.6M)
Free Cash Flow45.8M30.2M45.7M22.6M38.9M23.4M
Depreciation11.3M5.2M4.7M5.0M4.3M5.9M
Other Non Cash Items3.5M817K10.7M2.6M13.3M14.0M
Dividends Paid15.6M15.4M15.4M(16.0M)(16.5M)(15.6M)
Capital Expenditures2.0M4.4M5.9M14.3M9.3M9.8M
Net Income25.2M28.6M34.9M30.1M19.2M19.6M
End Period Cash Flow670.5M514.9M200.9M372.5M349.7M215.5M
Change To Inventory22.4M(210.5M)(215.0M)(3.8M)(3.4M)(3.6M)
Investments(53.5M)(333.5M)(306.4M)137.7M4.0M4.1M
Change To Netincome3.5M6.0M3.0M16.3M18.7M19.7M

Cass Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Cass Information's current stock value. Our valuation model uses many indicators to compare Cass Information value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Cass Information competition to find correlations between indicators driving Cass Information's intrinsic value. More Info.
Cass Information Systems is rated third in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.14  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Cass Information Systems is roughly  7.33 . At this time, Cass Information's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Cass Information by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Cass Information Systems Systematic Risk

Cass Information's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Cass Information volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Cass Information Systems correlated with the market. If Beta is less than 0 Cass Information generally moves in the opposite direction as compared to the market. If Cass Information Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Cass Information Systems is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Cass Information is generally in the same direction as the market. If Beta > 1 Cass Information moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Cass Information Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Cass Information's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Cass Information growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.79)

At this time, Cass Information's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Cass Information March 25, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Cass Information help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Cass Information Systems. We use our internally-developed statistical techniques to arrive at the intrinsic value of Cass Information Systems based on widely used predictive technical indicators. In general, we focus on analyzing Cass Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Cass Information's daily price indicators and compare them against related drivers.

Additional Tools for Cass Stock Analysis

When running Cass Information's price analysis, check to measure Cass Information's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Cass Information is operating at the current time. Most of Cass Information's value examination focuses on studying past and present price action to predict the probability of Cass Information's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Cass Information's price. Additionally, you may evaluate how the addition of Cass Information to your portfolios can decrease your overall portfolio volatility.