Cass Information Systems, Inc. (FRA:CC3)

Cass Information Systems Statistics

Total Valuation

FRA:CC3 has a market cap or net worth of EUR 480.48 million. The enterprise value is 262.03 million.

Market Cap	480.48M
Enterprise Value	262.03M

Important Dates

The next estimated earnings date is Thursday, January 22, 2026.

Earnings Date	Jan 22, 2026
Ex-Dividend Date	Sep 5, 2025

Share Statistics

Current Share Class	13.08M
Shares Outstanding	n/a
Shares Change (YoY)	-1.49%
Shares Change (QoQ)	-0.87%
Owned by Insiders (%)	3.56%
Owned by Institutions (%)	58.50%
Float	11.56M

Valuation Ratios

The trailing PE ratio is 17.88 and the forward PE ratio is 15.30.

PE Ratio	17.88
Forward PE	15.30
PS Ratio	2.54
PB Ratio	2.32
P/TBV Ratio	2.53
P/FCF Ratio	12.45
P/OCF Ratio	11.01
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.76, with an EV/FCF ratio of 6.79.

EV / Earnings	9.75
EV / Sales	1.37
EV / EBITDA	5.76
EV / EBIT	7.26
EV / FCF	6.79

Financial Position

The company has a current ratio of 1.02, with a Debt / Equity ratio of 0.02.

Current Ratio	1.02
Quick Ratio	0.90
Debt / Equity	0.02
Debt / EBITDA	0.09
Debt / FCF	0.10
Interest Coverage	2.46

Financial Efficiency

Return on equity (ROE) is 11.51% and return on invested capital (ROIC) is 10.63%.

Return on Equity (ROE)	11.51%
Return on Assets (ROA)	1.11%
Return on Invested Capital (ROIC)	10.63%
Return on Capital Employed (ROCE)	4.58%
Revenue Per Employee	166,504
Profits Per Employee	23,608
Employee Count	1,248
Asset Turnover	0.09
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:CC3 has paid 6.03 million in taxes.

Income Tax	6.03M
Effective Tax Rate	20.34%

Stock Price Statistics

The stock price has decreased by -13.81% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-13.81%
50-Day Moving Average	34.06
200-Day Moving Average	36.58
Relative Strength Index (RSI)	60.15
Average Volume (20 Days)	0

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)	2.98

Income Statement

In the last 12 months, FRA:CC3 had revenue of EUR 189.48 million and earned 26.87 million in profits. Earnings per share was 1.97.

Revenue	189.48M
Gross Profit	81.08M
Operating Income	35.76M
Pretax Income	29.63M
Net Income	26.87M
EBITDA	42.01M
EBIT	35.76M
Earnings Per Share (EPS)	1.97

Balance Sheet

The company has 220.43 million in cash and 3.99 million in debt, giving a net cash position of 216.44 million.

Cash & Cash Equivalents	220.43M
Total Debt	3.99M
Net Cash	216.44M
Net Cash Per Share	n/a
Equity (Book Value)	207.49M
Book Value Per Share	15.81
Working Capital	27.60M

Cash Flow

In the last 12 months, operating cash flow was 43.65 million and capital expenditures -5.07 million, giving a free cash flow of 38.58 million.

Operating Cash Flow	43.65M
Capital Expenditures	-5.07M
Free Cash Flow	38.58M
FCF Per Share	n/a

Margins

Gross margin is 42.79%, with operating and profit margins of 18.87% and 14.18%.

Gross Margin	42.79%
Operating Margin	18.87%
Pretax Margin	15.64%
Profit Margin	14.18%
EBITDA Margin	22.17%
EBIT Margin	18.87%
FCF Margin	20.36%

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	52.58%
Buyback Yield	1.49%
Shareholder Yield	4.60%
Earnings Yield	5.59%
FCF Yield	8.03%

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 0.41 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	0.41
Piotroski F-Score	5