Cass Information Valuation
| CASS Stock | USD 45.08 0.34 0.75% |
At this time, the firm appears to be undervalued. Cass Information Systems shows a prevailing Real Value of $50.87 per share. The current price of the firm is $45.08. Our model approximates the value of Cass Information Systems from analyzing the firm fundamentals such as Return On Equity of 0.13, current valuation of 192.33 M, and Profit Margin of 0.17 % as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Cass Information's valuation include:
Price Book 2.428 | Enterprise Value | Price Sales 2.8651 | Trailing PE 19.8341 | Enterprise Value Revenue 3.1959 |
Undervalued
Today
Please note that Cass Information's price fluctuation is very steady at this time. Calculation of the real value of Cass Information Systems is based on 3 months time horizon. Increasing Cass Information's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Cass stock is determined by what a typical buyer is willing to pay for full or partial control of Cass Information Systems. Since Cass Information is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Cass Stock. However, Cass Information's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 45.08 | Real 50.87 | Target 50.0 | Hype 45.29 |
The intrinsic value of Cass Information's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Cass Information's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Cass Information Systems helps investors to forecast how Cass stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Cass Information more accurately as focusing exclusively on Cass Information's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Cass Information's intrinsic value based on its ongoing forecasts of Cass Information's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Cass Information's closest peers.
Cass Information Cash |
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Cass Revenue by Product
Cass Information Total Value Analysis
Cass Information Systems is currently projected to have valuation of 192.33 M with market capitalization of 594.29 M, debt of 2.36 B, and cash on hands of 346.99 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Cass Information fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
192.33 M | 594.29 M | 2.36 B | 346.99 M |
Cass Information Investor Information
About 62.0% of the company shares are held by institutions such as insurance companies. The book value of Cass Information was currently reported as 18.88. The company last dividend was issued on the 3rd of March 2026. Cass Information Systems had 6:5 split on the 3rd of December 2018. Based on the analysis of Cass Information's profitability, liquidity, and operating efficiency, Cass Information Systems may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.28 | 0.2028 |
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| Total Cash From Operating Activities | 27.3 M | 44.8 M |
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| Operating Income | 28 M | 38.8 M |
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Cass Information Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Cass Information has an asset utilization ratio of 7.33 percent. This implies that the Company is making $0.0733 for each dollar of assets. An increasing asset utilization means that Cass Information Systems is more efficient with each dollar of assets it utilizes for everyday operations.Cass Information Profitability Analysis
Considering Cass Information's profitability and operating efficiency indicators, Cass Information's profitability may be sliding down. It has an above-average probability of reporting lower numbers next quarter. Profitability indicators assess Cass Information's ability to earn profits and add value for shareholders.Net Income | First Reported 1995-03-31 | Previous Quarter 9.1 M | Current Value 8.2 M | Quarterly Volatility 2.4 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 1.0 | 0.98 |
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| Net Profit Margin | 0.13 | 0.1838 |
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| Operating Profit Margin | 0.28 | 0.2028 |
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| Pretax Profit Margin | 0.18 | 0.2028 |
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| Return On Assets | 0.0163 | 0.0135 |
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| Return On Equity | 0.14 | 0.1445 |
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For Cass Information profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Cass Information Systems to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Cass Information utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Cass Information's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Cass Information over time as well as its relative position and ranking within its peers.
Cass Information Earnings per Share Projection vs Actual
The next projected EPS of Cass Information is estimated to be 0.62 with future projections ranging from a low of 0.62 to a high of 0.62. Cass Information's most recent 12-month trailing earnings per share (EPS TTM) is at 2.29. Please be aware that the consensus of earnings estimates for Cass Information Systems is based on EPS before non-recurring items and includes expenses related to employee stock options.Cass Information Earnings Estimation Breakdown
The calculation of Cass Information's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Cass Information is estimated to be 0.62 with the future projection ranging from a low of 0.62 to a high of 0.62. Please be aware that this consensus of annual earnings estimates for Cass Information Systems is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.62 Lowest | Expected EPS | 0.62 Highest |
Cass Information Earnings Projection Consensus
Suppose the current estimates of Cass Information's value are higher than the current market price of the Cass Information stock. In this case, investors may conclude that Cass Information is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Cass Information's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 1 | 58.0% | 0.62 | 0.62 | 2.29 |
Cass Information Ownership Allocation
The market capitalization of Cass Information Systems is $594.29 Million. Over half of Cass Information's outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that acquire positions in a given instrument to benefit from reduced trade commissions. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the firm is less than the current market value, you may not be able generate positive returns on investment in the long run.Cass Information Profitability Analysis
The company reported the previous year's revenue of 191.1 M. Net Income was 19.17 M with profit before overhead, payroll, taxes, and interest of 97.01 M.Cass Information Past Distributions to stockholders
About Cass Information Valuation
The stock valuation mechanism determines Cass Information's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Cass Information Systems based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Cass Information. We calculate exposure to Cass Information's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Cass Information's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 191.1 M | 110.7 M | |
| Pretax Profit Margin | 0.20 | 0.18 | |
| Operating Profit Margin | 0.20 | 0.28 | |
| Net Profit Margin | 0.18 | 0.13 | |
| Gross Profit Margin | 0.98 | 1.00 |
Cass Information Quarterly Retained Earnings |
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A single share of Cass Information represents a small ownership stake in the entity. As a stockholder of Cass, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Cass Information Dividends Analysis For Valuation
At this time, Cass Information's Dividends Paid is comparatively stable compared to the past year. Dividend Paid And Capex Coverage Ratio is likely to gain to 1.86 in 2026, whereas Dividend Yield is likely to drop 0.02 in 2026. . Earnings Yield is likely to gain to 0.06 in 2026, whereas Retained Earnings are likely to drop slightly above 93.1 M in 2026.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 18.9 M | 19.9 M | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | 0.47 | 0.32 | |
| Dividend Paid And Capex Coverage Ratio | 1.36 | 1.86 |
There are various types of dividends Cass Information can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Cass shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Cass Information Systems directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Cass pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Cass Information by the value of the dividends paid out.
Cass Information Growth Indicators
Investing in growth stocks can be very risky. If the company such as Cass Information does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 13.5 M | |
| Quarterly Earnings Growth Y O Y | 0.88 |
Cass Information Current Valuation Indicators
Cass Information's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Cass Information's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Cass Information, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Cass Information's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Cass Information's worth.Additional Tools for Cass Stock Analysis
When running Cass Information's price analysis, check to measure Cass Information's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Cass Information is operating at the current time. Most of Cass Information's value examination focuses on studying past and present price action to predict the probability of Cass Information's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Cass Information's price. Additionally, you may evaluate how the addition of Cass Information to your portfolios can decrease your overall portfolio volatility.