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STOCKS

Cass Information (CASS)

NASDAQ:CASS

CASS

Cass Information Systems

RESEARCH TOOLSreports

Cass Information Systems (CASS) Ratios

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167 Followers

Cass Information Systems Ratios

CASS's free cash flow for Q3 2025 was $0.43. For the 2025 fiscal year, CASS's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.91	0.00	0.22	0.98	1.13
Quick Ratio	0.91	0.00	0.22	0.71	0.64
Cash Ratio	0.23	0.30	0.17	0.19	0.01
Solvency Ratio	0.02	0.01	0.02	0.08	0.14
Operating Cash Flow Ratio	0.05	0.03	0.02	0.05	0.03
Short-Term Operating Cash Flow Coverage	0.00	28.96	0.00	0.00	0.00
Net Current Asset Value	$ -1.18B	$ -2.17B	$ -1.77B	$ -1.32B	$ 137.99M
Leverage Ratios
Debt-to-Assets Ratio	0.00	<0.01	<0.01	<0.01	0.15
Debt-to-Equity Ratio	0.00	0.03	0.04	0.05	1.54
Debt-to-Capital Ratio	0.00	0.03	0.04	0.04	0.61
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.00	0.00	0.00
Financial Leverage Ratio	10.08	10.46	10.79	12.47	10.39
Debt Service Coverage Ratio	1.57	1.16	2.16	-2.30	-4.46
Interest Coverage Ratio	1.59	-4.91	2.30	13.32	28.88
Debt to Market Cap	0.00	<0.01	0.00	0.00	0.00
Interest Debt Per Share	1.33	2.05	1.79	0.96	26.91
Net Debt to EBITDA	-7.49	-11.33	-8.58	0.00	0.00
Profitability Margins
Gross Profit Margin	65.88%	88.07%	44.59%	81.99%	81.71%
EBIT Margin	16.85%	11.01%	25.15%	-2.56%	-3.36%
EBITDA Margin	16.85%	13.74%	19.90%	0.00%	0.00%
Operating Profit Margin	13.57%	-45.21%	17.57%	25.23%	21.96%
Pretax Profit Margin	16.85%	11.01%	17.52%	23.34%	21.96%
Net Profit Margin	15.38%	8.72%	14.10%	18.99%	18.57%
Continuous Operations Profit Margin	13.43%	8.72%	14.10%	18.99%	18.57%
Net Income Per EBT	91.28%	79.14%	80.47%	81.36%	84.57%
EBT Per EBIT	124.15%	-24.36%	99.69%	92.49%	100.00%
Return on Assets (ROA)	1.28%	0.80%	1.21%	1.36%	1.12%
Return on Equity (ROE)	13.31%	8.37%	13.08%	16.92%	11.64%
Return on Capital Employed (ROCE)	2.10%	-7.98%	13.56%	3.08%	2.25%
Return on Invested Capital (ROIC)	-40.98%	6.85%	-1.81%	3.93%	2.12%
Return on Tangible Assets	1.30%	0.81%	1.22%	1.37%	1.13%
Earnings Yield	5.57%	3.47%	4.84%	5.62%	5.16%
Efficiency Ratios
Receivables Turnover	4.12	3.93	1.93	1.92	30.85
Payables Turnover	0.04	0.02	0.11	0.03	0.03
Inventory Turnover	0.00	0.00	0.00	0.11	0.05
Fixed Asset Turnover	6.77	5.34	5.58	9.21	8.50
Asset Turnover	0.08	0.09	0.09	0.07	0.06
Working Capital Turnover Ratio	-1.56	-0.15	-0.25	3.02	3.62
Cash Conversion Cycle	-9.26K	-15.89K	-3.12K	-8.31K	-6.93K
Days of Sales Outstanding	88.69	92.80	189.41	190.18	11.83
Days of Inventory Outstanding	0.00	0.00	0.00	3.27K	6.67K
Days of Payables Outstanding	9.35K	15.98K	3.31K	11.77K	13.61K
Operating Cycle	88.69	92.80	189.41	3.46K	6.68K
Cash Flow Ratios
Operating Cash Flow Per Share	4.01	2.88	2.68	3.81	2.45
Free Cash Flow Per Share	3.90	2.19	1.64	3.38	2.14
CapEx Per Share	0.11	0.69	1.04	0.43	0.31
Free Cash Flow to Operating Cash Flow	0.97	0.76	0.61	0.89	0.87
Dividend Paid and CapEx Coverage Ratio	2.91	1.51	1.22	2.42	1.74
Capital Expenditure Coverage Ratio	35.51	4.18	2.58	8.80	7.91
Operating Cash Flow Coverage Ratio	0.00	5.24	4.36	5.43	0.09
Operating Cash Flow to Sales Ratio	0.26	0.18	0.17	0.28	0.22
Free Cash Flow Yield	8.91%	5.36%	3.64%	7.37%	5.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	17.95	28.82	20.67	17.79	19.37
Price-to-Sales (P/S) Ratio	2.80	2.51	2.91	3.38	3.60
Price-to-Book (P/B) Ratio	2.32	2.41	2.70	3.01	2.25
Price-to-Free Cash Flow (P/FCF) Ratio	11.23	18.65	27.47	13.58	18.36
Price-to-Operating Cash Flow Ratio	10.76	14.18	16.82	12.03	16.04
Price-to-Earnings Growth (PEG) Ratio	0.73	-0.80	-1.48	0.66	1.21
Price-to-Fair Value	2.32	2.41	2.70	3.01	2.25
Enterprise Value Multiple	9.13	6.95	6.06	0.00	0.00
Enterprise Value	315.26M	210.06M	257.18M	429.53M	919.85M
EV to EBITDA	9.13	6.95	6.06	0.00	0.00
EV to Sales	1.54	0.96	1.21	2.34	5.97
EV to Free Cash Flow	6.17	7.09	11.37	9.39	30.48
EV to Operating Cash Flow	5.99	5.39	6.96	8.32	26.63
Tangible Book Value Per Share	17.02	15.01	15.17	13.64	105.57
Shareholders’ Equity Per Share	18.56	16.96	16.67	15.22	17.44
Tax and Other Ratios
Effective Tax Rate	0.20	0.21	0.20	0.19	0.15
Revenue Per Share	15.63	16.29	15.46	13.56	10.93
Net Income Per Share	2.40	1.42	2.18	2.58	2.03
Tax Burden	0.91	0.79	0.80	0.81	0.85
Interest Burden	1.00	1.00	0.70	-9.13	-6.54
Research & Development to Revenue	0.00	0.00	0.00	<0.01	<0.01
SG&A to Revenue	0.43	0.56	0.02	0.58	0.60
Stock-Based Compensation to Revenue	0.02	0.01	0.02	0.04	0.02
Income Quality	1.67	2.03	1.23	1.48	1.21

Currency in USD