Cass Information Systems, Inc. (FRA:CC3)

Cass Information Systems Statistics

Total Valuation

FRA:CC3 has a market cap or net worth of EUR 487.08 million. The enterprise value is 156.90 million.

Market Cap	487.08M
Enterprise Value	156.90M

Important Dates

The last earnings date was Friday, January 23, 2026.

Earnings Date	Jan 23, 2026
Ex-Dividend Date	Dec 5, 2025

Share Statistics

Current Share Class	12.87M
Shares Outstanding	n/a
Shares Change (YoY)	-2.28%
Shares Change (QoQ)	-1.35%
Owned by Insiders (%)	3.92%
Owned by Institutions (%)	56.17%
Float	11.31M

Valuation Ratios

The trailing PE ratio is 16.29 and the forward PE ratio is 15.85.

PE Ratio	16.29
Forward PE	15.85
PS Ratio	2.76
PB Ratio	2.35
P/TBV Ratio	2.56
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	5.25
EV / Sales	0.90
EV / EBITDA	2.94
EV / EBIT	3.32
EV / FCF	n/a

Financial Position

The company has a current ratio of 1.02

Current Ratio	1.02
Quick Ratio	0.92
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	3.44

Financial Efficiency

Return on equity (ROE) is 13.18% and return on invested capital (ROIC) is 14.66%.

Return on Equity (ROE)	13.18%
Return on Assets (ROA)	1.41%
Return on Invested Capital (ROIC)	14.66%
Return on Capital Employed (ROCE)	5.81%
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	176,663
Profits Per Employee	29,908
Employee Count	971
Asset Turnover	0.08
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:CC3 has paid 6.51 million in taxes.

Income Tax	6.51M
Effective Tax Rate	19.73%

Stock Price Statistics

The stock price has decreased by -9.60% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-9.60%
50-Day Moving Average	36.11
200-Day Moving Average	35.94
Relative Strength Index (RSI)	54.59
Average Volume (20 Days)	n/a

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)	2.36

Income Statement

In the last 12 months, FRA:CC3 had revenue of EUR 176.66 million and earned 29.91 million in profits. Earnings per share was 2.22.

Revenue	176.66M
Gross Profit	82.62M
Operating Income	47.88M
Pretax Income	33.01M
Net Income	29.91M
EBITDA	53.96M
EBIT	47.88M
Earnings Per Share (EPS)	2.22

Balance Sheet

The company has 334.09 million in cash and n/a in debt, with a net cash position of 334.09 million.

Cash & Cash Equivalents	334.09M
Total Debt	n/a
Net Cash	334.09M
Net Cash Per Share	n/a
Equity (Book Value)	206.96M
Book Value Per Share	16.08
Working Capital	30.27M

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 46.77%, with operating and profit margins of 27.10% and 16.93%.

Gross Margin	46.77%
Operating Margin	27.10%
Pretax Margin	18.69%
Profit Margin	16.93%
EBITDA Margin	30.54%
EBIT Margin	27.10%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.11, which amounts to a dividend yield of 3.01%.

Dividend Per Share	1.11
Dividend Yield	3.01%
Dividend Growth (YoY)	-1.08%
Years of Dividend Growth	n/a
Payout Ratio	49.85%
Buyback Yield	2.28%
Shareholder Yield	5.38%
Earnings Yield	6.14%
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 0.4 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	0.4
Piotroski F-Score	4