Cass Information Systems(CASS)
$55.40-0.15 (-0.27%)
CASS
Cass Information Systems financials statements
$55.40
At close:-0.15 (-0.27%)
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Cass Information Systems (CASS) Ratios
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Cass Information Systems Ratios
CASS's free cash flow for Q3 2026 was $2.66M. For the 2026 fiscal year, CASS's free cash flow was decreased by $-1.67M and operating cash flow was $4.33M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.10 | 0.00 | 0.76 | 0.72 | 0.79 |
| Quick Ratio | 1.10 | 0.00 | 0.76 | 0.72 | 0.79 |
| Cash Ratio | 0.35 | 0.00 | 0.17 | 0.09 | 0.23 |
| Solvency Ratio | 0.02 | 0.01 | 0.02 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | 0.03 | 0.00 | 0.02 | 0.02 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 45.32 | 0.00 | 27.83 | 38.28 | 0.00 |
| Net Current Asset Value | $ -1.13B | $ -2.17B | $ -565.60M | $ -706.84M | $ -549.23M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt-to-Equity Ratio | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt-to-Capital Ratio | 0.02 | 0.00 | 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 | 10.72 | 10.46 | 10.79 | 12.47 | 10.39 |
| Debt Service Coverage Ratio | 46.38 | 25156.00 | 24.35 | 29.38 | 0.00 |
| Interest Coverage Ratio | 0.00 | 24220.00 | 323.03 | 0.00 | 0.00 |
| Debt to Market Cap | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 0.34 | 0.00 | 0.01 | 0.00 | 0.00 |
| Net Debt to EBITDA | -8.44 | -11.58 | -8.78 | -4.22 | -13.21 |
| Profitability Margins | |||||
| Gross Profit Margin | 100.00% | 85.34% | 87.77% | 93.12% | 92.58% |
| EBIT Margin | 20.28% | 11.01% | 17.57% | 22.90% | 21.79% |
| EBITDA Margin | 24.05% | 13.74% | 19.90% | 25.41% | 25.13% |
| Operating Profit Margin | 20.28% | 11.01% | 17.57% | 22.90% | 21.79% |
| Pretax Profit Margin | 20.28% | 11.01% | 17.52% | 22.90% | 21.79% |
| Net Profit Margin | 18.38% | 8.72% | 14.10% | 18.63% | 18.43% |
| Continuous Operations Profit Margin | 16.28% | 8.72% | 14.10% | 18.63% | 18.43% |
| Net Income Per EBT | 90.60% | 79.14% | 80.47% | 81.36% | 84.57% |
| EBT Per EBIT | 100.00% | 100.00% | 99.69% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.35% | 0.80% | 1.21% | 1.36% | 1.12% |
| Return on Equity (ROE) | 14.45% | 8.37% | 13.08% | 16.92% | 11.64% |
| Return on Capital Employed (ROCE) | 2.62% | 1.01% | 13.49% | 16.67% | 10.65% |
| Return on Invested Capital (ROIC) | 19.72% | 0.00% | 10.80% | 13.49% | 9.01% |
| Return on Tangible Assets | 1.36% | 0.81% | 1.22% | 1.37% | 1.13% |
| Earnings Yield | 6.42% | 3.47% | 4.84% | 5.62% | 5.09% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.17 | 3.93 | 0.19 | 0.16 | 0.16 |
| Payables Turnover | 0.00 | 0.03 | 0.02 | 0.01 | 0.01 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 6.49 | 7.19 | 7.09 | 9.39 | 8.57 |
| Asset Turnover | 0.07 | 0.09 | 0.09 | 0.07 | 0.06 |
| Working Capital Turnover Ratio | 3.55 | 0.00 | -0.36 | -0.33 | -0.53 |
| Cash Conversion Cycle | 2133.57 | -12699.47 | -13086.33 | -27974.32 | -31052.57 |
| Days of Sales Outstanding | 2133.57 | 92.80 | 1903.31 | 2270.48 | 2242.66 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 12792.27 | 14989.64 | 30244.80 | 33295.23 |
| Operating Cycle | 2133.57 | 92.80 | 1903.31 | 2270.48 | 2242.66 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.84 | 2.88 | 2.68 | 3.81 | 2.42 |
| Free Cash Flow Per Share | 2.41 | 2.19 | 1.64 | 3.38 | 2.11 |
| Dividend Paid and CapEx Coverage Ratio | 1.69 | 1.51 | 1.22 | 2.42 | 1.74 |
| Capital Expenditure Coverage Ratio | 6.61 | 4.18 | 2.58 | 8.80 | 7.91 |
| Operating Cash Flow Coverage Ratio | 8.30 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cash Flow to Sales Ratio | 0.20 | 0.18 | 0.17 | 0.28 | 0.22 |
| Free Cash Flow Yield | 5.81% | 5.36% | 3.64% | 7.37% | 5.37% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 15.61 | 28.82 | 20.67 | 17.79 | 19.66 |
| Price-to-Sales (P/S) Ratio | 2.86 | 2.51 | 2.91 | 3.32 | 3.62 |
| Price-to-Book (P/B) Ratio | 2.25 | 2.41 | 2.70 | 3.01 | 2.29 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 17.23 | 18.65 | 27.47 | 13.58 | 18.63 |
| Price-to-Operating Cash Flow Ratio | 14.62 | 14.18 | 16.82 | 12.03 | 16.28 |
| Price-to-Earnings Growth (PEG) Ratio | 0.18 | -0.80 | -1.48 | 0.66 | 1.23 |
| Enterprise Value Multiple | 3.47 | 6.71 | 5.86 | 8.82 | 1.22 |
| Enterprise Value | 159.56M | 202.64M | 248.71M | 420.03M | 47.43M |
| EV to EBITDA | 3.47 | 6.71 | 5.86 | 8.82 | 1.22 |
| EV to Sales | 0.83 | 0.92 | 1.17 | 2.24 | 0.31 |
| EV to Free Cash Flow | 5.02 | 6.84 | 11.00 | 9.18 | 1.57 |
| EV to Operating Cash Flow | 4.26 | 5.20 | 6.73 | 8.14 | 1.37 |
| Tangible Book Value Per Share | 16.93 | 15.39 | 15.17 | 13.64 | 16.01 |
| Shareholders’ Equity Per Share | 18.43 | 16.96 | 16.67 | 15.22 | 17.19 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.21 | 0.20 | 0.19 | 0.15 |
| Revenue Per Share | 14.50 | 16.29 | 15.46 | 13.82 | 10.85 |
| Net Income Per Share | 2.66 | 1.42 | 2.18 | 2.58 | 2.00 |
| Tax Burden | 0.91 | 0.79 | 0.80 | 0.81 | 0.85 |
| 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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.02 | 0.01 | 0.02 | 0.04 | 0.02 |
| Income Quality | 1.20 | 2.03 | 1.23 | 1.48 | 1.21 |
Currency in USD
