Cass Information Systems, Inc. (FRA:CC3)

Cass Information Systems Statistics

Total Valuation

FRA:CC3 has a market cap or net worth of EUR 480.75 million. The enterprise value is 298.74 million.

Market Cap	480.75M
Enterprise Value	298.74M

Important Dates

The next estimated earnings date is Friday, October 17, 2025.

Earnings Date	Oct 17, 2025
Ex-Dividend Date	Sep 5, 2025

Share Statistics

Current Share Class	13.22M
Shares Outstanding	n/a
Shares Change (YoY)	-0.89%
Shares Change (QoQ)	-0.92%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	11.69M

Valuation Ratios

The trailing PE ratio is 22.27 and the forward PE ratio is 15.74.

PE Ratio	22.27
Forward PE	15.74
PS Ratio	2.57
PB Ratio	2.34
P/TBV Ratio	2.56
P/FCF Ratio	17.78
P/OCF Ratio	14.59
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.54, with an EV/FCF ratio of 11.05.

EV / Earnings	13.84
EV / Sales	1.59
EV / EBITDA	6.54
EV / EBIT	8.15
EV / FCF	11.05

Financial Position

The company has a current ratio of 1.11, with a Debt / Equity ratio of 0.02.

Current Ratio	1.11
Quick Ratio	0.98
Debt / Equity	0.02
Debt / EBITDA	0.09
Debt / FCF	0.15
Interest Coverage	2.38

Financial Efficiency

Return on equity (ROE) is 9.14% and return on invested capital (ROIC) is 11.10%.

Return on Equity (ROE)	9.14%
Return on Assets (ROA)	1.17%
Return on Invested Capital (ROIC)	11.10%
Return on Capital Employed (ROCE)	4.73%
Revenue Per Employee	164,494
Profits Per Employee	18,970
Employee Count	1,248
Asset Turnover	0.10
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:CC3 has paid 4.60 million in taxes.

Income Tax	4.60M
Effective Tax Rate	20.08%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	36.71
200-Day Moving Average	38.41
Relative Strength Index (RSI)	46.86
Average Volume (20 Days)	327

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	2.66

Income Statement

In the last 12 months, FRA:CC3 had revenue of EUR 187.19 million and earned 21.59 million in profits. Earnings per share was 1.58.

Revenue	187.19M
Gross Profit	79.78M
Operating Income	36.58M
Pretax Income	22.91M
Net Income	21.59M
EBITDA	42.57M
EBIT	36.58M
Earnings Per Share (EPS)	1.58

Balance Sheet

The company has 185.77 million in cash and 4.14 million in debt, giving a net cash position of 181.63 million.

Cash & Cash Equivalents	185.77M
Total Debt	4.14M
Net Cash	181.63M
Net Cash Per Share	n/a
Equity (Book Value)	205.06M
Book Value Per Share	15.44
Working Capital	128.16M

Cash Flow

In the last 12 months, operating cash flow was 32.96 million and capital expenditures -5.92 million, giving a free cash flow of 27.04 million.

Operating Cash Flow	32.96M
Capital Expenditures	-5.92M
Free Cash Flow	27.04M
FCF Per Share	n/a

Margins

Gross margin is 42.62%, with operating and profit margins of 19.54% and 11.53%.

Gross Margin	42.62%
Operating Margin	19.54%
Pretax Margin	12.24%
Profit Margin	11.53%
EBITDA Margin	22.74%
EBIT Margin	19.54%
FCF Margin	14.44%

Dividends & Yields

This stock pays an annual dividend of 1.13, which amounts to a dividend yield of 3.12%.

Dividend Per Share	1.13
Dividend Yield	3.12%
Dividend Growth (YoY)	2.55%
Years of Dividend Growth	3
Payout Ratio	65.41%
Buyback Yield	0.89%
Shareholder Yield	4.01%
Earnings Yield	4.49%
FCF Yield	5.62%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

FRA:CC3 has an Altman Z-Score of 0.49 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	0.49
Piotroski F-Score	5