Cass Information Systems Inc

  • Earnings Score
  • Moat Score
  • Market Cap $596.05M
  • PE 26
  • Debt $NaN
  • Cash $230.56M
  • EV $NaN
  • FCF $15.08M

Earnings

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Sales & Net Margins

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Earnings$22.98M
EBIT$28.81M
ROE10%
ROA1%
FCF$15.08M
Equity$237.65M
Growth Stability88%
PE25.93
PEG16.71
PB2.51
P/FCF39.53
P/S2.99
Price/Cash0.39
Net Margins10%
Op. Margins14%
Earnings CAGR3%
Sales Growth YoY3%
Sales Growth QoQ4%
Sales CAGR6%
FCF CAGR-2%
Equity CAGR1%
Earnings Stability0.31
Earnings Growth YoY-60%
Earnings Growth QoQ-34%
Earnings CAGR 5Y2%
Sales CAGR 5Y8%
FCF CAGR 5Y-14%
Equity CAGR 5Y-3%
Earnings CAGR 3Y10%
Sales CAGR 3Y10%
FCF CAGR 3Y-20%
Equity CAGR 3Y3%
Market Cap$596.05M
Revenue$199.55M
Dividend Yield3%
Payout Ratio71%
Assets$2.26B
Cash$230.56M
Shares Outstanding13.49M
Earnings Score9%
Moat Score65%
Shares Growth 3y-0%
Equity Growth QoQ3%
Equity Growth YoY15%

Assets & ROA

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Stockholders Equity & ROE

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Cass Information Systems Inc is a provider of payment and information processing services to large manufacturing, distribution and retail enterprises across the United States. The company provides transportation invoice rating, payment processing, auditing, accounting, and transportation information. It is also a processor and payer of energy invoices, including electricity, gas, waste, and other facility-related expenses. It operates in two segments: Information Services and Banking Services. The firm generates maximum revenue from the Information Services segment.

SEC Filings

Direct access to Cass Information Systems Inc (CASS) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2022
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Cass Information Systems Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Cass Information Systems Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 3%
Stability 31%
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Cass Information Systems Inc Discounted Cash Flow

Fully customizable DCF calculator online for Cass Information Systems Inc.

= $130M
012345678910TV
fcf$15M$15M$14M$14M$14M$13M$13M$13M$13M$12M$12M$120M
DCF$13M$12M$11M$9.4M$8.4M$7.4M$6.6M$5.9M$5.2M$4.6M$46M
Value$130M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023TTM
Net Margins21%19%19%18%20%19%17%19%19%15%10%
ROA-2%2%2%2%2%1%1%2%2%1%
ROE-11%12%11%13%12%10%12%17%13%10%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023TTM
Debt over FCF-----0.46-----
Debt over Equity-----0.07-----
Growth Stability---100%100%100%88%100%100%100%88%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023CAGR 5Y
Revenue YoY growth-3%4%8%10%6%-8%6%18%8%8%
Earnings YoY growth--4%6%3%21%0%-17%14%22%-14%2%
Equity YoY growth-3%0%8%2%6%7%-6%-16%11%-3%
FCF YoY growth--3%10%14%26%-10%16%-34%52%-51%-14%