Cass Information Systems, Inc. (FRA:CC3)

Cass Information Systems Statistics

Total Valuation

FRA:CC3 has a market cap or net worth of EUR 458.56 million. The enterprise value is 269.61 million.

Market Cap	458.56M
Enterprise Value	269.61M

Important Dates

The last earnings date was Thursday, July 17, 2025.

Earnings Date	Jul 17, 2025
Ex-Dividend Date	Jun 3, 2025

Share Statistics

Current Share Class	13.36M
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	11.84M

Valuation Ratios

The trailing PE ratio is 21.24 and the forward PE ratio is 14.79.

PE Ratio	21.24
Forward PE	14.79
PS Ratio	2.45
PB Ratio	2.24
P/TBV Ratio	2.44
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.49
EV / Sales	1.42
EV / EBITDA	6.02
EV / EBIT	6.92
EV / FCF	n/a

Financial Position

The company has a current ratio of 1.11

Current Ratio	1.11
Quick Ratio	0.98
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	2.49

Financial Efficiency

Return on equity (ROE) is 9.14% and return on invested capital (ROIC) is 11.74%.

Return on Equity (ROE)	9.14%
Return on Assets (ROA)	1.22%
Return on Invested Capital (ROIC)	11.74%
Return on Capital Employed (ROCE)	4.95%
Revenue Per Employee	187,382
Profits Per Employee	21,610
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

The stock price has decreased by -7.69% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-7.69%
50-Day Moving Average	37.03
200-Day Moving Average	38.96
Relative Strength Index (RSI)	34.72
Average Volume (20 Days)	103

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)	3.40

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	38.28M
Pretax Income	22.91M
Net Income	21.59M
EBITDA	44.03M
EBIT	38.28M
Earnings Per Share (EPS)	1.58

Balance Sheet

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

Cash & Cash Equivalents	185.77M
Total Debt	n/a
Net Cash	185.77M
Net Cash Per Share	n/a
Equity (Book Value)	205.06M
Book Value Per Share	15.45
Working Capital	128.87M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 42.62%, with operating and profit margins of 20.45% and 11.53%.

Gross Margin	42.62%
Operating Margin	20.45%
Pretax Margin	12.24%
Profit Margin	11.53%
EBITDA Margin	23.52%
EBIT Margin	20.45%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.13, which amounts to a dividend yield of 3.15%.

Dividend Per Share	1.13
Dividend Yield	3.15%
Dividend Growth (YoY)	3.34%
Years of Dividend Growth	3
Payout Ratio	n/a
Buyback Yield	0.89%
Shareholder Yield	4.04%
Earnings Yield	4.71%
FCF Yield	n/a

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

Altman Z-Score	0.5
Piotroski F-Score	3