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Price (delayed)
$41.67
Market cap
$567.8M
P/E Ratio
20.53
Dividend/share
$1.2
EPS
$2.03
Enterprise value
$344.07M
Cass Information Systems, Inc. is a leading provider of integrated information and payment management solutions. Cass enables enterprises to achieve visibility, control and efficiency in their supply chains, communications networks,
Highlights
CASS's equity is up by 7% YoY
CASS's revenue is up by 2.3% YoY
Cass Information Systems's net income has decreased by 15% YoY and by 9% QoQ
The EPS has decreased by 15% YoY and by 9% from the previous quarter
Key stats
What are the main financial stats of CASS
Market
Valuations
Earnings
Shares outstanding
13.63M
Market cap
$567.8M
Enterprise value
$344.07M
Price to earnings (P/E)
20.53
Price to book (P/B)
2.47
Price to sales (P/S)
2.87
EV/EBIT
10.03
EV/EBITDA
7.87
EV/Sales
1.74
Revenue
$198.23M
EBIT
$34.32M
EBITDA
$43.74M
Free cash flow
$26.85M
Per share
Balance sheet
Liquidity
EPS
$2.03
Free cash flow per share
$1.97
Book value per share
$16.85
Revenue per share
$14.53
TBVPS
$165.81
Total assets
$2.28B
Total liabilities
$2.05B
Debt
$0
Equity
$229.93M
Working capital
N/A
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.12
Margins
Efficiency
Dividend
EBITDA margin
22.1%
Gross margin
100%
Net margin
13.8%
Operating margin
17.3%
Return on assets
1.1%
Return on equity
12.3%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
17.3%
Dividend yield
2.88%
DPS
$1.2
Payout ratio
59.1%
CASS stock price
How has the Cass Information Systems stock price performed over time
Intraday
2.71%
1 week
2.91%
1 month
1.96%
1 year
10.24%
YTD
-7.5%
QTD
0.46%
Financial performance
How have Cass Information Systems's revenue and profit performed over time
Revenue
$198.23M
Gross profit
$198.23M
Operating income
$34.32M
Net income
$27.44M
Gross margin
100%
Net margin
13.8%
The net margin has declined by 17% year-on-year and by 9% since the previous quarter
The operating margin has declined by 16% year-on-year and by 8% since the previous quarter
Cass Information Systems's net income has decreased by 15% YoY and by 9% QoQ
CASS's operating income is down by 14% year-on-year and by 8% since the previous quarter
Growth
What is Cass Information Systems's growth rate over time
Valuation
What is Cass Information Systems stock price valuation
P/E
20.53
P/B
2.47
P/S
2.87
EV/EBIT
10.03
EV/EBITDA
7.87
EV/Sales
1.74
The EPS has decreased by 15% YoY and by 9% from the previous quarter
The price to earnings (P/E) is 2.5% more than the last 4 quarters average of 19.5
CASS's equity is up by 7% YoY
The stock's price to book (P/B) is 7% less than its last 4 quarters average of 2.6 and 3.6% less than its 5-year quarterly average of 2.5
The stock's price to sales (P/S) is 20% less than its 5-year quarterly average of 3.5 and 3.8% less than its last 4 quarters average of 2.9
CASS's revenue is up by 2.3% YoY
Efficiency
How efficient is Cass Information Systems business performance
CASS's ROE is down by 21% YoY and by 10% QoQ
The ROS has decreased by 16% YoY and by 8% from the previous quarter
CASS's return on assets is down by 15% year-on-year and by 8% since the previous quarter
The return on invested capital has declined by 6% since the previous quarter and by 6% year-on-year
Dividends
What is CASS's dividend history
DPS
$1.2
Dividend yield
2.88%
Payout ratio
59.1%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Cass Information Systems financials performed over time
Cass Information Systems's total assets is 11% more than its total liabilities
The total liabilities has declined by 9% year-on-year
Cass Information Systems's total assets has decreased by 8% YoY
The debt is 100% smaller than the equity
CASS's equity is up by 7% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.