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Cass Information Systems Inc (CASS)
NASDAQ:CASS
US Market
CASS
Cass Information Systems
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Cass Information Systems (CASS) Ratios

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Cass Information Systems Ratios

CASS's free cash flow for Q1 2026 was $1.00. For the 2026 fiscal year, CASS's free cash flow was decreased by $ and operating cash flow was $0.22. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.22 1.10 0.00 0.76 0.72
Quick Ratio
 0.22 1.10 0.00 0.76 0.72
Cash Ratio
 0.11 0.35 0.00 0.17 0.09
Solvency Ratio
 0.02 0.01 0.01 0.02 0.02
Operating Cash Flow Ratio
 0.01 0.03 0.00 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.21 45.32 0.00 27.83 38.28
Net Current Asset Value
$ -1.78B$ -1.13B$ -2.17B$ -565.60M$ -706.84M
Leverage Ratios
Debt-to-Assets Ratio
 0.06 <0.01 0.00 0.00 0.00
Debt-to-Equity Ratio
 0.60 0.02 0.00 0.00 0.00
Debt-to-Capital Ratio
 0.37 0.02 0.00 0.00 0.00
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 10.48 10.72 10.46 10.79 12.47
Debt Service Coverage Ratio
 0.24 37.67 25.16K 24.35 29.38
Interest Coverage Ratio
 9.97 0.00 24.22K 323.03 0.00
Debt to Market Cap
 0.24 <0.01 0.00 <0.01 <0.01
Interest Debt Per Share
 11.63 0.34 <0.01 <0.01 0.00
Net Debt to EBITDA
 -2.33 -10.00 -11.58 -8.78 -4.22
Profitability Margins
Gross Profit Margin
92.23%100.00%85.34%87.77%93.12%
EBIT Margin
19.27%20.28%11.01%17.57%22.90%
EBITDA Margin
21.23%20.28%13.74%19.90%25.41%
Operating Profit Margin
19.27%20.28%11.01%17.57%22.90%
Pretax Profit Margin
19.27%20.28%11.01%17.52%22.90%
Net Profit Margin
17.39%18.38%8.72%14.10%18.63%
Continuous Operations Profit Margin
15.56%16.28%8.72%14.10%18.63%
Net Income Per EBT
90.24%90.60%79.14%80.47%81.36%
EBT Per EBIT
100.00%100.00%100.00%99.69%100.00%
Return on Assets (ROA)
1.38%1.35%0.80%1.21%1.36%
Return on Equity (ROE)
14.44%14.45%8.37%13.08%16.92%
Return on Capital Employed (ROCE)
16.03%2.62%1.01%13.49%16.67%
Return on Invested Capital (ROIC)
9.62%19.72%0.00%10.80%13.49%
Return on Tangible Assets
1.39%1.36%0.81%1.22%1.37%
Earnings Yield
5.88%6.42%3.47%4.84%5.62%
Efficiency Ratios
Receivables Turnover
 40.65 0.17 3.93 0.19 0.16
Payables Turnover
 0.02 0.00 0.03 0.02 0.01
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.73 6.49 7.19 7.09 9.39
Asset Turnover
 0.08 0.07 0.09 0.09 0.07
Working Capital Turnover Ratio
 -0.24 3.55 0.00 -0.36 -0.33
Cash Conversion Cycle
 -23.34K 2.13K -12.70K -13.09K -27.97K
Days of Sales Outstanding
 8.98 2.13K 92.80 1.90K 2.27K
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 23.35K 0.00 12.79K 14.99K 30.24K
Operating Cycle
 8.98 2.13K 92.80 1.90K 2.27K
Cash Flow Ratios
Operating Cash Flow Per Share
 2.38 2.84 2.88 2.68 3.81
Free Cash Flow Per Share
 1.99 2.41 2.19 1.64 3.38
CapEx Per Share
 0.39 0.43 0.69 1.04 0.43
Free Cash Flow to Operating Cash Flow
 0.84 0.85 0.76 0.61 0.89
Dividend Paid and CapEx Coverage Ratio
 1.42 1.69 1.51 1.22 2.42
Capital Expenditure Coverage Ratio
 6.10 6.61 4.18 2.58 8.80
Operating Cash Flow Coverage Ratio
 0.21 8.30 0.00 0.00 0.00
Operating Cash Flow to Sales Ratio
 0.15 0.20 0.18 0.17 0.28
Free Cash Flow Yield
4.25%5.81%5.36%3.64%7.37%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 17.01 15.59 28.82 20.67 17.79
Price-to-Sales (P/S) Ratio
 2.97 2.86 2.51 2.91 3.32
Price-to-Book (P/B) Ratio
 2.46 2.25 2.41 2.70 3.01
Price-to-Free Cash Flow (P/FCF) Ratio
 23.53 17.23 18.65 27.47 13.58
Price-to-Operating Cash Flow Ratio
 19.57 14.62 14.18 16.82 12.03
Price-to-Earnings Growth (PEG) Ratio
 0.23 0.18 -0.80 -1.48 0.66
Price-to-Fair Value
 2.46 2.25 2.41 2.70 3.01
Enterprise Value Multiple
 11.69 4.12 6.71 5.86 8.82
Enterprise Value
 499.17M 159.56M 202.64M 248.71M 420.03M
EV to EBITDA
 11.69 4.12 6.71 5.86 8.82
EV to Sales
 2.48 0.83 0.92 1.17 2.24
EV to Free Cash Flow
 19.62 5.02 6.84 11.00 9.18
EV to Operating Cash Flow
 16.41 4.26 5.20 6.73 8.14
Tangible Book Value Per Share
 17.36 16.93 15.39 15.17 13.64
Shareholders’ Equity Per Share
 18.89 18.43 16.96 16.67 15.22
Tax and Other Ratios
Effective Tax Rate
 0.19 0.20 0.21 0.20 0.19
Revenue Per Share
 15.72 14.50 16.29 15.46 13.82
Net Income Per Share
 2.73 2.66 1.42 2.18 2.58
Tax Burden
 0.90 0.91 0.79 0.80 0.81
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.18 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 0.02 0.02 0.01 0.02 0.04
Income Quality
 0.97 1.20 2.03 1.23 1.48
Currency in USD