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Cass Information Systems stock

CASS
US14808P1093
917071

Price

45.11
Today +/-
+1.06
Today %
+2.51 %

Cass Information Systems stock price

%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the Cass Information Systems stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Cass Information Systems stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Cass Information Systems stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Cass Information Systems's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Cass Information Systems Stock Price History

DateCass Information Systems Price
12/6/202445.11 undefined
12/6/202443.99 undefined
12/5/202443.72 undefined
12/4/202444.94 undefined
12/3/202444.59 undefined
12/2/202445.17 undefined
11/29/202444.87 undefined
11/27/202444.60 undefined
11/26/202444.54 undefined
11/25/202444.76 undefined
11/22/202444.96 undefined
11/21/202444.30 undefined
11/20/202443.90 undefined
11/19/202444.29 undefined
11/18/202444.30 undefined
11/15/202444.50 undefined
11/14/202444.57 undefined
11/13/202445.90 undefined
11/12/202445.74 undefined
11/11/202446.14 undefined
11/8/202444.89 undefined

Cass Information Systems Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into Cass Information Systems, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Cass Information Systems from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Cass Information Systems’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Cass Information Systems. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Cass Information Systems’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Cass Information Systems’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Cass Information Systems’s growth potential.

Cass Information Systems Revenue, EBIT and net profit per share

DateCass Information Systems RevenueCass Information Systems EBITCass Information Systems Net Income
2026e229.15 M undefined0 undefined42.08 M undefined
2025e213.56 M undefined0 undefined35.02 M undefined
2024e202.14 M undefined0 undefined20.49 M undefined
2023213.23 M undefined37.36 M undefined30.06 M undefined
2022187.3 M undefined42.9 M undefined34.9 M undefined
2021155.2 M undefined33.8 M undefined28.6 M undefined
2020148.1 M undefined30.3 M undefined25.2 M undefined
2019162.7 M undefined37.5 M undefined30.4 M undefined
2018152 M undefined36.3 M undefined30.3 M undefined
2017137.5 M undefined34.9 M undefined25 M undefined
2016126.1 M undefined32.1 M undefined24.3 M undefined
2015122.1 M undefined31 M undefined23.1 M undefined
2014119.7 M undefined31.8 M undefined24 M undefined
2013118.1 M undefined30.7 M undefined23.5 M undefined
2012117.1 M undefined31.2 M undefined23.3 M undefined
2011113.1 M undefined31.5 M undefined23 M undefined
2010105.2 M undefined27.9 M undefined20.3 M undefined
200995 M undefined21.5 M undefined16.1 M undefined
200897.3 M undefined26.2 M undefined19 M undefined
200797.5 M undefined25.9 M undefined17.8 M undefined
200689.9 M undefined23.8 M undefined15.1 M undefined
200576.9 M undefined19.3 M undefined10.9 M undefined
200464.8 M undefined14.1 M undefined8 M undefined

Cass Information Systems Income Statement, Balance Sheet, Cash Flow Statement

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  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
199219931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
222022464648505056585960647689979795105113117118119122126137152162148155187213202213229
--9.0910.00109.09-4.354.17-12.003.571.721.696.6718.7517.118.99--2.0610.537.623.540.850.852.523.288.7310.956.58-8.644.7320.6513.90-5.165.457.51
81.8290.0086.3691.3091.3091.6790.0092.0091.0793.1094.9296.6795.3194.7493.2691.7595.8894.7495.2495.5896.5897.4698.3298.3698.4198.5497.3796.9197.9799.3597.8692.0297.0392.0285.59
181819424244454651545658617283899390100108113115117120124135148157145154183196000
-245667767777810151719162023232324232425303025283430203542
--300.0025.0020.00-16.67--14.2916.67---14.2925.0050.0013.3311.76-15.7925.0015.00--4.35-4.174.354.1720.00--16.6712.0021.43-11.76-33.3375.0020.00
-----------------------------------
-----------------------------------
17.517.517.517.617.817.917.917.616.114.914.714.714.8151515.115.11515.115.11515.415.415.214.914.914.914.714.614.313.813.82000
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Details

Keystats

Revenue and Growth

The Cass Information Systems Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Cass Information Systems is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (B)LONG-T. REC. (B)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (M)LIABILITIES (B)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (B)TOTAL CAPITAL (B)
19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                         
8.510.310.822.618.521.731.924.317.823.129.62726.7105.812.312.618.8171.6212.3185.4148.7169.5194.3190.5424.812.32120.91
00000000000000000000000000095.8110.65
00000000000000000000000000000
00000000000000000000000000000
00000000000000000000000000000
8.510.310.822.618.521.731.924.317.823.129.62726.7105.812.312.618.8171.6212.3185.4148.7169.5194.3190.5424.812.3116.8131.56
8.38.1109.29.213.916.815.413.511.41212.912.811.610.59.69.610.713.216.919.621.121.62226.423.622.529.238.19
0000000000000000000.370.440.440.510.530.480.440.61.180.930.98
0000000000000000000.640.660.650.650.680.710.760.880.951.071
00000000.41.91.20.91.20.90.60.40.30.23.83.22.82.4221.64.33.42.64.13.35
00000000.23.24.44.47.57.57.57.57.57.511.611.611.611.611.612.612.614.314.314.317.317.31
0000000006.60.4000000000000000000
0.010.010.010.010.010.010.020.020.020.020.020.020.020.020.020.020.020.031.041.131.121.21.241.231.241.522.162.052.04
0.020.020.020.030.030.040.050.040.040.050.050.050.050.030.020.030.030.041.211.341.311.351.411.421.431.952.182.172.17
                                                         
52222222.12.12.23.24.655555.4666666.57.87.87.87.87.87.75
1.74.74.74.85.15.158.58.518.418.317.945.845.745.746.781125.1125.1126.2126.3128.5204.6205.8205.4204.9204.3207.4208.01
38.242.446.951.554.859.263.664.669.764.771.581.566.781.292.4107.389.96175.990.6104118.459.375.290.399.1112.2131.7145.78
-0.3-0.10.30.3-0.60.10.51.210.4-0.4-3-1.9-7.4-0.2-3.2-2.8-6.1-5.6-9.6-6.7-14.5-13.3-18.9-13.900.5-59.3-47.47
00000000000000000000000000000
44.64953.958.661.366.471.176.481.385.792.6101115.6124.5142.9155.8173.5186201.4213.2229.6238.4257.1269.9289.6311.8324.8287.6314.07
0.210.20.210.250.250.30.290.220.30.360.450.470.510.480.430.520.60.520.540.660.580.640.720.690.680.841.051.071.07
0000000000000000000000006.76.24.99.58.5
64.162.26282.991.799.9117.4109.4114.696.4116.4106.693.2103.3113.2113.1132144.10159181.8214.7281.5313.3351.1493.5582.6642.8524.36
97.6115.3103.9108.197.1112.7130.6134.2157.8179.3170.6183.3180.4174.5324.7405.5416.4419.6582.5459.2464.7407.3396.5408.7424557.4638.9614.5616.46
00000000000000000000000000000
0.370.380.380.440.440.520.540.470.570.630.730.760.790.760.871.031.141.091.131.271.221.261.391.421.471.892.282.332.22
0000000003.73.73.73.73000000000000000
00000000000000000000000000000
11.68.36.155.77.67.1448.79.16.912.612.619.115.311.215.226.99.126.724.432.638.14953.949.632.332.428.13
11.68.36.155.77.67.1448.712.810.616.316.322.115.311.215.226.99.126.724.432.638.14953.949.632.332.428.13
0.380.390.390.450.440.520.550.510.580.650.740.770.80.780.881.051.161.111.141.31.251.31.431.471.521.942.312.372.25
0.430.440.440.510.510.590.620.590.660.730.840.880.920.91.031.21.331.31.341.511.481.541.691.741.812.252.632.652.56
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of Cass Information Systems provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Cass Information Systems's financial health and stability.

Assets

Cass Information Systems's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Cass Information Systems must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Cass Information Systems after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Cass Information Systems's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
5667767777911151719162023232324232425303025283430
2222222333322344446788911111011544
000000000000011012000004-3100-10
-110-1-122-3-20-1-3-10-6-2-7-70-4100-37-39-8-1-5
000000000103014374544324665122112
0000000000000000000222223521315
332233433256864576688877674589
69988101278121012152322192325352834333538484247345136
-1-3-1-3-1-1-7-5-2-1-1-2-2-2-1-1-1-1-3-4-6-5-4-4-4-2-2-4-5-14
-36-1-393012-56-86-42-40-39-44-449-69-129-75-124-31-6524-100-3-41-139-46-75-43-528-306284
-351-373413-54-79-36-38-37-43-4212-66-128-74-123-29-6229-942-36-135-42-73-41-524-300298
000000000000000000000000000000
02-2-2000037-3700000000000000018-18000
00000-3-7-30-10-100-300000-1-10-9-2-8-7-6-31-5-5
37116-759-96618-385958942125-39106160102-6530135-71196216462338-59-150
401111-261-27624-7210161982529-30111166108-5738146-5039752311503384-38-128
-1-2-2-2-2-2-2-2-2-2-3-3-3-4-4-4-5-6-7-8-9-9-9-10-13-15-15-15-15-15
719-233180-55-8-16-6932256246-20-146495997-948469-4113-382-26466-155-313171
5.176.37.814.397.368.525.271.856.7610.719.419.8712.5521.5420.791822.5923.7132.2324.0328.5527.7430.5134.7643.9439.4145.7830.1845.7422.61
000000000000000000000000000000

Cass Information Systems stock margins

The Cass Information Systems margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Cass Information Systems. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Cass Information Systems.
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Gross margin
EBIT margin
Profit margin
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Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Cass Information Systems's sales revenue. A higher gross margin percentage indicates that the Cass Information Systems retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Cass Information Systems's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Cass Information Systems's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Cass Information Systems's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Cass Information Systems. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Cass Information Systems's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Cass Information Systems Margin History

Cass Information Systems Gross marginCass Information Systems Profit marginCass Information Systems EBIT marginCass Information Systems Profit margin
2026e92.37 %0 %18.36 %
2025e92.37 %0 %16.4 %
2024e92.37 %0 %10.13 %
202392.37 %17.52 %14.1 %
202298.13 %22.9 %18.63 %
202199.23 %21.78 %18.43 %
202098.45 %20.46 %17.02 %
201996.8 %23.05 %18.68 %
201897.57 %23.88 %19.93 %
201798.4 %25.38 %18.18 %
201698.33 %25.46 %19.27 %
201598.28 %25.39 %18.92 %
201497.91 %26.57 %20.05 %
201397.63 %25.99 %19.9 %
201297.27 %26.64 %19.9 %
201196.11 %27.85 %20.34 %
201095.34 %26.52 %19.3 %
200994.74 %22.63 %16.95 %
200896.51 %26.93 %19.53 %
200791.9 %26.56 %18.26 %
200692.66 %26.47 %16.8 %
200593.89 %25.1 %14.17 %
200495.22 %21.76 %12.35 %

Cass Information Systems Stock Sales Revenue, EBIT, Earnings per Share

The Cass Information Systems earnings per share therefore indicates how much revenue Cass Information Systems has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Sales per Share
EBIT per share
Earnings per Share
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Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Cass Information Systems earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Cass Information Systems's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Cass Information Systems’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Cass Information Systems's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Cass Information Systems Revenue, EBIT and net profit per share

DateCass Information Systems Sales per ShareCass Information Systems EBIT per shareCass Information Systems Earnings per Share
2026e16.89 undefined0 undefined3.1 undefined
2025e15.74 undefined0 undefined2.58 undefined
2024e14.9 undefined0 undefined1.51 undefined
202315.43 undefined2.7 undefined2.18 undefined
202213.57 undefined3.11 undefined2.53 undefined
202110.85 undefined2.36 undefined2 undefined
202010.14 undefined2.08 undefined1.73 undefined
201911.07 undefined2.55 undefined2.07 undefined
201810.2 undefined2.44 undefined2.03 undefined
20179.23 undefined2.34 undefined1.68 undefined
20168.46 undefined2.15 undefined1.63 undefined
20158.03 undefined2.04 undefined1.52 undefined
20147.77 undefined2.06 undefined1.56 undefined
20137.67 undefined1.99 undefined1.53 undefined
20127.81 undefined2.08 undefined1.55 undefined
20117.49 undefined2.09 undefined1.52 undefined
20106.97 undefined1.85 undefined1.34 undefined
20096.33 undefined1.43 undefined1.07 undefined
20086.44 undefined1.74 undefined1.26 undefined
20076.46 undefined1.72 undefined1.18 undefined
20065.99 undefined1.59 undefined1.01 undefined
20055.13 undefined1.29 undefined0.73 undefined
20044.38 undefined0.95 undefined0.54 undefined

Cass Information Systems business model

Cass Information Systems Inc. is a publicly recognized company based in St. Louis, Missouri, USA. It was founded in 1906 and has been listed on the NASDAQ stock exchange since 1986. The company specializes in providing information processing services and solutions for global businesses. It focuses on automating processes in finance, transportation, and communication to maximize efficiency and value for customers. Cass Information Systems is one of the most popular companies on Eulerpool.com.

Cass Information Systems SWOT Analysis

Strengths

Cass Information Systems Inc. has numerous strengths that contribute to its success. Firstly, the company has a strong reputation and a long-standing history in the industry, which instills trust and confidence in its clients. Additionally, Cass has a robust and scalable technology infrastructure, allowing for efficient and accurate processing of large volumes of data. This technology-driven approach gives them a competitive edge over their peers. Another key strength is the company's vast network of clients and vendors, enabling them to establish strong partnerships and negotiate favorable terms.

Weaknesses

While Cass Information Systems Inc. has many strengths, it also faces certain weaknesses. One weakness is its dependence on a limited number of major clients, which poses a risk if any of these clients were to reduce or terminate their contracts. Additionally, due to the complex nature of their services, they may face occasional challenges in effectively communicating and educating potential clients about the value they offer. Moreover, Cass may have a higher cost structure compared to some competitors, which could impact their pricing competitiveness.

Opportunities

There are several opportunities that Cass Information Systems Inc. can explore to drive future growth. Firstly, with the increasing volume of data in the digital age, there is a growing demand for advanced data analytics and insights. Cass can leverage its expertise and technology to expand its offerings into data-driven analytics, providing additional value to existing clients and attracting new ones. Additionally, expanding into new geographic markets or industries can help diversify their client base and reduce dependency on specific sectors. Furthermore, strategic partnerships or acquisitions can provide access to new technologies or capabilities and facilitate market expansion.

Threats

Cass Information Systems Inc. faces certain threats that could impact its business. One major threat is increasing competition in the industry. As more companies enter the market with similar services, Cass may face pricing pressures and the need to differentiate itself from competitors. External factors, such as economic downturns or regulatory changes, can also pose risks to the company's operations. Additionally, advancements in technology or disruptive innovations may require Cass to continuously invest in research and development to stay ahead and meet evolving customer needs.

Cass Information Systems Revenue by Segment

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Details

Revenue by Segment

Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Cass Information Systems Revenue by Segment

Segmente202320222021
Information Services125.55 M USD120.23 M USD-
  • Max

Details

Revenue by Segment

Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Cass Information Systems Revenue by Segment

Segmente202320222021
Information services payment and processing revenue--106.46 M USD
Financial fees1.06 M USD1.43 M USD-
Bank service fees--2.24 M USD
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Cass Information Systems Eulerpool Fair Value

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Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Cass Information Systems historical P/E ratio, EBIT multiple, and P/S ratio

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Cass Information Systems shares outstanding

The number of shares was Cass Information Systems in 2023 — This indicates how many shares 13.816 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Cass Information Systems earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Cass Information Systems's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Cass Information Systems’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Cass Information Systems's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Cass Information Systems stock splits

In Cass Information Systems's history, there have been no stock splits.

Cass Information Systems dividend history and estimates

In 2023, Cass Information Systems paid a dividend amounting to 1.17 USD. Dividend means that Cass Information Systems distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
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Dividend

Dividend Overview

The dividend per year chart for Cass Information Systems provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Cass Information Systems’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Cass Information Systems's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Cass Information Systems Dividend History

DateCass Information Systems Dividend
2026e1.27 undefined
2025e1.27 undefined
2024e1.27 undefined
20231.17 undefined
20221.13 undefined
20211.09 undefined
20201.08 undefined
20191.05 undefined
20180.85 undefined
20170.7 undefined
20160.67 undefined
20150.64 undefined
20140.61 undefined
20130.56 undefined
20120.48 undefined
20110.41 undefined
20100.36 undefined
20090.33 undefined
20080.31 undefined
20070.27 undefined
20060.25 undefined
20050.22 undefined
20040.21 undefined

Cass Information Systems dividend payout ratio

In 2023, Cass Information Systems had a payout ratio of 53.86%. The payout ratio indicates the percentage of the company's profits that Cass Information Systems distributes as dividends.
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Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for Cass Information Systems represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Cass Information Systems could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Cass Information Systems's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Cass Information Systems Payout Ratio History

DateCass Information Systems Payout ratio
2026e51.57 %
2025e49.85 %
2024e51.01 %
202353.86 %
202244.66 %
202154.5 %
202062.43 %
201950.72 %
201842.08 %
201742.19 %
201641.36 %
201542.36 %
201439.34 %
201336.64 %
201230.66 %
201126.77 %
201026.9 %
200930.73 %
200824.16 %
200722.96 %
200625.04 %
200530.57 %
200439.35 %
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Unfortunately, there are currently no price targets and forecasts available for Cass Information Systems.

Cass Information Systems latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20240.51 0.21  (-58.82 %)2024 Q3
6/30/20240.54 0.32  (-40.81 %)2024 Q2
3/31/20240.6 0.52  (-13.59 %)2024 Q1
12/31/20230.49 0.61  (24.59 %)2023 Q4
9/30/20230.56 0.54  (-3.74 %)2023 Q3
6/30/20230.68 0.52  (-23.91 %)2023 Q2
3/31/20230.71 0.51  (-28.57 %)2023 Q1
12/31/20220.72 0.67  (-7.48 %)2022 Q4
9/30/20050.15 0.21  (41.88 %)2005 Q3
6/30/20050.14 0.17  (21.23 %)2005 Q2
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Eulerpool ESG Scorecard© for the Cass Information Systems stock

Eulerpool World ESG Rating (EESG©)

51/ 100

🌱 Environment

30

👫 Social

96

🏛️ Governance

27

Environment

Scope 1 - Direct Emissions
195
Scope 2 - Indirect emissions from purchased energy
1,241
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
1,360
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees69
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Cass Information Systems shareholders

%
Name
Stocks
Change
Date
7.79160 % AJH Investments, L.L.C.1,057,32002/16/2024
6.73776 % BlackRock Institutional Trust Company, N.A.914,314-4,6776/30/2024
6.17722 % Buckingham Strategic Wealth, LLC838,24906/30/2024
5.87483 % The Vanguard Group, Inc.797,21410,5926/30/2024
3.10284 % Dimensional Fund Advisors, L.P.421,056-9,4376/30/2024
2.75593 % Heartland Advisors, Inc.373,9801376/30/2024
2.50957 % Geode Capital Management, L.L.C.340,54820,8486/30/2024
2.50871 % Fenimore Asset Management, Inc.340,4328356/30/2024
2.34706 % Tributary Capital Management, LLC318,49615,9199/30/2024
2.33391 % State Street Global Advisors (US)316,7113,7556/30/2024
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Cass Information Systems Executives and Management Board

Mr. Eric Brunngraber

(66)
Cass Information Systems Executive Chairman of the Board
Compensation 2.28 M

Mr. Martin Resch

(57)
Cass Information Systems President, Chief Executive Officer, Director (since 2020)
Compensation 1.2 M

Mr. Michael Normile

(47)
Cass Information Systems Chief Financial Officer, Executive Vice President
Compensation 714,440

Mr. Dwight Erdbruegger

(64)
Cass Information Systems President - Cass Commercial Bank
Compensation 687,448

Mr. James Cavellier

(55)
Cass Information Systems Executive Vice President, Chief Information Officer
Compensation 656,688
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Most common questions regarding Cass Information Systems

What values and corporate philosophy does Cass Information Systems represent?

Cass Information Systems Inc represents a strong commitment to providing exceptional financial and operational solutions to businesses. With a customer-centric approach, Cass focuses on delivering comprehensive and accurate payment, information, and expense management services. The company values efficiency, transparency, and innovation, continuously finding ways to streamline processes and improve client outcomes. Cass's corporate philosophy revolves around building strong, long-lasting partnerships with clients by offering personalized and reliable solutions tailored to their specific needs. By consistently exceeding expectations, Cass Information Systems Inc showcases its dedication to helping businesses thrive through effective financial management and operational support.

In which countries and regions is Cass Information Systems primarily present?

Cass Information Systems Inc primarily operates in the United States.

What significant milestones has the company Cass Information Systems achieved?

Cass Information Systems Inc has achieved several significant milestones throughout its history. One notable milestone was its initial public offering (IPO) in 1986, which allowed the company to raise capital and expand its operations. In addition, Cass has consistently demonstrated strong financial performance, reporting steady revenue growth and increasing shareholder value. The company has also expanded its suite of services and established itself as a leading provider of payment and information processing solutions. Furthermore, Cass has successfully acquired and integrated several strategic businesses, further enhancing its market position and driving growth. Overall, Cass Information Systems Inc has a track record of achievements that highlight its leadership and success in the industry.

What is the history and background of the company Cass Information Systems?

Cass Information Systems Inc, founded in 1906, is a leading provider of payment and information processing services. With a history spanning over a century, the company has established itself as a trusted partner in managing complex financial transactions. Cass specializes in providing comprehensive expense management solutions, including freight payment, telecom expense management, utility invoice management, and more. Over the years, Cass has grown its clientele to include Fortune 500 corporations and government entities. With its emphasis on innovation and technology, Cass continues to deliver exceptional services, helping businesses streamline their payment processes and optimize financial operations.

Who are the main competitors of Cass Information Systems in the market?

The main competitors of Cass Information Systems Inc in the market are Bank of New York Mellon Corporation (BNY Mellon), Fidelity National Information Services Inc (FIS), and Fiserv Inc. These companies operate in the financial services industry and offer similar solutions, including payment processing, data management, and transactional services. However, Cass Information Systems Inc has gained a competitive edge through its expertise in freight payment, utility bill management, and telecom expense management services. With a strong reputation and industry-leading technology, Cass Information Systems Inc continues to thrive in the market, delivering exceptional solutions to its clients.

In which industries is Cass Information Systems primarily active?

Cass Information Systems Inc is primarily active in the following industries: transportation, utility, waste management, telecom, and healthcare.

What is the business model of Cass Information Systems?

Cass Information Systems Inc.'s business model revolves around providing payment and information processing solutions to enterprises. As a leading provider of integrated information and payment management solutions, Cass helps organizations manage their expenses, streamline processes, and gain greater control over their financial operations. By leveraging advanced technology and data analytics, Cass offers services such as freight payment, utility invoice management, telecom expense management, and enterprise content management. With a focus on optimizing payment accuracy and enhancing operational efficiency, Cass Information Systems Inc. helps businesses improve their financial performance and gain valuable insights into their payment and information management processes.

What is the P/E ratio of Cass Information Systems 2024?

The Cass Information Systems P/E ratio is 30.42.

What is the P/S ratio of Cass Information Systems 2024?

The Cass Information Systems P/S ratio is 3.08.

What is the Quality Investing of Cass Information Systems?

The Quality Investing for Cass Information Systems is 5/10.

What is the revenue of Cass Information Systems 2024?

The expected Cass Information Systems revenue is 202.14 M USD.

How high is the profit of Cass Information Systems 2024?

The expected Cass Information Systems profit is 20.49 M USD.

What is the business model of Cass Information Systems

Cass Information Systems Inc is a leading provider of business solutions in the areas of billing, payment processing, and cost optimization. The company was founded in 1906 and is headquartered in St. Louis, Missouri. Cass offers a wide range of services and products tailored specifically to meet the needs of businesses. These include billing services, payment processing, cost-saving measures, and benchmarking. These services are divided into various business sectors: The Carrier Services sector includes a wide range of billing services tailored to the needs of transportation companies. Cass offers billing services for supplier invoices, fuel costs, and freight invoicing, ensuring that companies can automate their payment processes and save costs. Another business area of Cass is Enterprise Expense Management. Here, the company assists businesses in reducing and optimizing their business expenses. Cass offers consulting services aimed at reducing business costs and realizing savings. In addition, Cass offers workflow tools and technologies to help businesses securely control their business expenses. In the Payment Processing sector, Cass provides businesses with a wide range of payment processing products. This includes payment orders, transfers, and direct debit processes. Cass relies on state-of-the-art technologies to ensure that payment transactions can be processed quickly and securely. In addition to these three business sectors, Cass also offers other products and services. This includes the Cass Global Benchmarking Program, which allows companies to compare their costs and performance with other companies in their industry. In addition, Cass offers other technologies and tools to help businesses optimize and improve their business processes. To successfully operate in the market, Cass particularly focuses on innovation, investments in technology, and collaboration with its customers. In this way, the company creates value and added value for its customers while also being able to assert itself in the market in the long term. Overall, Cass Information Systems Inc is a modern and future-oriented company that offers a wide range of business solutions to its customers. With the various services and products, businesses can optimize their processes, reduce costs, and operate more successfully in the market.

What is the Cass Information Systems dividend?

Cass Information Systems pays a dividend of 1.13 USD distributed over payouts per year.

How often does Cass Information Systems pay dividends?

The dividend cannot currently be calculated for Cass Information Systems or the company does not pay out a dividend.

What is the Cass Information Systems ISIN?

The ISIN of Cass Information Systems is US14808P1093.

What is the Cass Information Systems WKN?

The WKN of Cass Information Systems is 917071.

What is the Cass Information Systems ticker?

The ticker of Cass Information Systems is CASS.

How much dividend does Cass Information Systems pay?

Over the past 12 months, Cass Information Systems paid a dividend of 1.17 USD . This corresponds to a dividend yield of about 2.59 %. For the coming 12 months, Cass Information Systems is expected to pay a dividend of 1.27 USD.

What is the dividend yield of Cass Information Systems?

The current dividend yield of Cass Information Systems is 2.59 %.

When does Cass Information Systems pay dividends?

Cass Information Systems pays a quarterly dividend. This is distributed in the months of April, July, October, January.

How secure is the dividend of Cass Information Systems?

Cass Information Systems paid dividends every year for the past 23 years.

What is the dividend of Cass Information Systems?

For the upcoming 12 months, dividends amounting to 1.27 USD are expected. This corresponds to a dividend yield of 2.89 %.

In which sector is Cass Information Systems located?

Cass Information Systems is assigned to the 'Information technology' sector.

Wann musste ich die Aktien von Cass Information Systems kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Cass Information Systems from 12/13/2024 amounting to 0.31 USD, you needed to have the stock in your portfolio before the ex-date on 12/3/2024.

When did Cass Information Systems pay the last dividend?

The last dividend was paid out on 12/13/2024.

What was the dividend of Cass Information Systems in the year 2023?

In the year 2023, Cass Information Systems distributed 1.13 USD as dividends.

In which currency does Cass Information Systems pay out the dividend?

The dividends of Cass Information Systems are distributed in USD.

All fundamentals about Cass Information Systems

Our stock analysis for Cass Information Systems Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Cass Information Systems Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.