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Cass Information Systems Inc (DE:CC3)
FRANKFURT:CC3
Germany Market
CC3
Cass Information Systems
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Cass Information Systems (CC3) Ratios

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Cass Information Systems Ratios

DE:CC3's free cash flow for Q3 2026 was $1.00. For the 2026 fiscal year, DE:CC3's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.58 1.10 0.00 0.76 0.72
Quick Ratio
 0.58 1.10 0.00 0.76 0.72
Cash Ratio
 0.11 0.35 0.00 0.17 0.09
Solvency Ratio
 0.02 0.02 0.01 0.02 0.02
Operating Cash Flow Ratio
 0.02 0.03 0.00 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 45.32 0.00 27.83 38.28
Net Current Asset Value
$ -1.01B$ -1.13B$ -2.17B$ -565.60M$ -706.84M
Leverage Ratios
Debt-to-Assets Ratio
 0.00 <0.01 0.00 0.00 0.00
Debt-to-Equity Ratio
 0.00 0.02 0.00 0.00 0.00
Debt-to-Capital Ratio
 0.00 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
 11.31 10.72 10.46 10.79 12.47
Debt Service Coverage Ratio
 12.19 46.38 25.16K 24.35 29.38
Interest Coverage Ratio
 12.08 0.00 24.22K 323.03 0.00
Debt to Market Cap
 0.00 <0.01 0.00 <0.01 <0.01
Interest Debt Per Share
 0.30 0.34 <0.01 <0.01 0.00
Net Debt to EBITDA
 -4.55 -8.44 -11.58 -8.78 -4.22
Profitability Margins
Gross Profit Margin
100.00%100.00%85.34%87.77%93.12%
EBIT Margin
25.23%20.28%11.01%17.57%22.90%
EBITDA Margin
27.92%24.05%13.74%19.90%25.41%
Operating Profit Margin
23.30%20.28%11.01%17.57%22.90%
Pretax Profit Margin
23.30%20.28%11.01%17.52%22.90%
Net Profit Margin
18.94%18.38%8.72%14.10%18.63%
Continuous Operations Profit Margin
18.89%16.28%8.72%14.10%18.63%
Net Income Per EBT
81.31%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)
1.49%1.35%0.80%1.21%1.36%
Return on Equity (ROE)
15.98%14.45%8.37%13.08%16.92%
Return on Capital Employed (ROCE)
17.25%2.62%1.01%13.49%16.67%
Return on Invested Capital (ROIC)
13.98%19.72%0.00%10.80%13.49%
Return on Tangible Assets
1.51%1.36%0.81%1.22%1.37%
Earnings Yield
5.67%6.42%3.47%4.84%5.62%
Efficiency Ratios
Receivables Turnover
 0.77 0.17 3.93 0.19 0.16
Payables Turnover
 0.00 0.00 0.03 0.02 0.01
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.77 6.49 7.19 7.09 9.39
Asset Turnover
 0.08 0.07 0.09 0.09 0.07
Working Capital Turnover Ratio
 -0.42 3.55 0.00 -0.36 -0.33
Cash Conversion Cycle
 475.73 2.13K -12.70K -13.09K -27.97K
Days of Sales Outstanding
 475.73 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
 0.00 0.00 12.79K 14.99K 30.24K
Operating Cycle
 475.73 2.13K 92.80 1.90K 2.27K
Cash Flow Ratios
Operating Cash Flow Per Share
 2.84 2.84 2.88 2.68 3.81
Free Cash Flow Per Share
 2.40 2.41 2.19 1.64 3.38
CapEx Per Share
 0.45 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
 2.01 1.69 1.51 1.22 2.42
Capital Expenditure Coverage Ratio
 6.36 6.61 4.18 2.58 8.80
Operating Cash Flow Coverage Ratio
 0.00 8.30 0.00 0.00 0.00
Operating Cash Flow to Sales Ratio
 0.18 0.20 0.18 0.17 0.28
Free Cash Flow Yield
4.53%5.81%5.36%3.64%7.37%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 17.70 15.61 28.82 20.67 17.79
Price-to-Sales (P/S) Ratio
 3.35 2.86 2.51 2.91 3.32
Price-to-Book (P/B) Ratio
 2.98 2.25 2.41 2.70 3.01
Price-to-Free Cash Flow (P/FCF) Ratio
 22.05 17.23 18.65 27.47 13.58
Price-to-Operating Cash Flow Ratio
 18.54 14.62 14.18 16.82 12.03
Price-to-Earnings Growth (PEG) Ratio
 0.69 0.18 -0.80 -1.48 0.66
Enterprise Value Multiple
 7.45 3.47 6.71 5.86 8.82
Enterprise Value
 419.53M 159.56M 202.64M 248.71M 420.03M
EV to EBITDA
 7.45 3.47 6.71 5.86 8.82
EV to Sales
 2.08 0.83 0.92 1.17 2.24
EV to Free Cash Flow
 13.70 5.02 6.84 11.00 9.18
EV to Operating Cash Flow
 11.55 4.26 5.20 6.73 8.14
Tangible Book Value Per Share
 16.20 16.93 15.39 15.17 13.64
Shareholders’ Equity Per Share
 17.69 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
 15.78 14.50 16.29 15.46 13.82
Net Income Per Share
 2.99 2.66 1.42 2.18 2.58
Tax Burden
 0.81 0.91 0.79 0.80 0.81
Interest Burden
 0.92 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
 0.95 1.20 2.03 1.23 1.48
Currency in USD