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CASS Cass Information Systems Inc

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
Shares outstanding
13.63M
Market cap
$567.8M
Enterprise value
$344.07M
Valuations
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
Earnings
Revenue
$198.23M
EBIT
$34.32M
EBITDA
$43.74M
Free cash flow
$26.85M
Per share
EPS
$2.03
Free cash flow per share
$1.97
Book value per share
$16.85
Revenue per share
$14.53
TBVPS
$165.81
Balance sheet
Total assets
$2.28B
Total liabilities
$2.05B
Debt
$0
Equity
$229.93M
Working capital
N/A
Liquidity
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.12
Margins
EBITDA margin
22.1%
Gross margin
100%
Net margin
13.8%
Operating margin
17.3%
Efficiency
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
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.