Cass Information Systems, Inc. Ratios | P/E, ROE & Valuation

On the Key Ratios page for Cass Information Systems, Inc. (CASS), the latest P/E of 19.8 frames valuation, while ROE 15.09% and ROIC 45.89% indicates profitability and capital efficiency. Together with the current ratio of 0.00 and debt-to-equity 0.33, these signals help you judge whether valuation is supported by fundamentals across the historical rows.

Financial Performance Ratios

CASS Historical Per Share Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Revenue per Share$15.86$16.29$15.46$13.56$10.25$9.73$10.89$10.10$9.20$8.20
Net Income per Share$2.87$1.42$2.18$2.58$2.00$1.75$2.11$2.06$1.70$1.65
Operating Cash Flow per Share$3.80$2.88$2.68$3.81$2.42$3.32$2.92$3.29$2.65$2.39
Free Cash Flow per Share$3.27$2.19$1.64$3.38$2.11$3.18$2.73$2.99$2.36$2.07
Cash per Share$18.55$65.01$52.51$70.50$83.09$54.39$42.48$43.33$43.54$36.64
Book Value per Share$19.11$16.96$16.67$15.22$17.19$18.15$16.92$15.66$11.64$14.13
Tangible Book Value per Share$17.60$15.01$15.17$13.64$16.01$16.92$15.63$14.70$10.65$13.21
Interest Debt per Share$6.55$2.05$1.79$0.96$26.43$0.59$1.61$28.10$27.12$27.81
CAPEX per Share$0.53$0.69$1.04$0.43$0.31$0.14$0.19$0.30$0.28$0.32

CASS Historical Valuation Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Price to Earnings (P/E)19.8128.8220.6717.7919.6622.2327.4125.6628.5133.69
Price to Book (P/B)2.942.412.73.012.292.143.413.383.173.94
Price to Sales (P/S)3.572.512.913.383.8445.35.245.276.79
Enterprise Value to EBITDA10.776.956.06003.390000
EV to Sales2.830.961.212.342.91.014.26.686.958.94
EV to Operating Cash Flow11.835.396.968.3212.322.9515.6920.524.1830.66
EV to Free Cash Flow13.747.0911.379.3914.13.0816.7722.5527.0535.37
Enterprise Value$575.66M$210.06M$257.18M$429.53M$425.49M$141.16M$660.95M$990.95M$940.19M$1.08B

CASS Historical Profitability Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Return on Equity (ROE)15.09%8.37%13.08%16.92%11.64%9.64%12.45%13.17%11.11%11.70%
Return on Invested Capital (ROIC)45.89%6.85%-1.81%1.86%-2.72%2.14%2.78%7.96%10.63%11.83%
Return on Tangible Assets1.47%0.81%1.22%1.37%1.13%1.15%1.74%1.80%1.57%1.63%
Earnings Yield5.10%3.47%4.84%5.62%5.09%4.50%3.65%3.90%3.51%2.97%
Free Cash Flow Yield5.79%5.36%3.64%7.37%5.37%8.18%4.73%5.66%4.87%3.72%
Dividend Yield2.26%2.98%2.57%2.49%2.75%2.79%1.83%1.70%1.50%1.22%

CASS Historical Liquidity & Financial Strength

10 years
Metric (FY)TTM202420232022202120202019201820172016
Current Ratio000.2200000.920.110.2
Interest Coverage11.74-4.912.313.32012.857.2110.73-37.26-36.69
Income Quality1.322.031.231.481.211.91.391.61.551.45
Debt to Equity0.330.030.040.051.540.020.071.781.761.96
Debt to Assets3.18%0.31%0.34%0.37%14.80%0.28%1.02%24.11%24.73%27.07%
Net Debt to EBITDA-2.78-11.33-8.5800-10.060000

CASS Historical Efficiency Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Receivables Turnover4.543.931.931.9229.3700000
Payables Turnover0.010.020.110.030.030.030.040.040.030.03
Inventory Turnover000000-0.050-0.020
Days Sales Outstanding80.3292.8189.41190.1812.4300000
Days Payables Outstanding49200.9715984.063309.9411771.9213609.5511483.298706.959733.5211329.3111221.27
Days of Inventory on Hand000000-7101.610-16013.270

CASS Historical Market Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Enterprise Value to EBITDA10.776.956.06003.390000
Market Cap$724.13M$552.36M$621.17M$620.98M$562.35M$559.77M$833.44M$776.61M$713.12M$820.25M
Enterprise Value$575.66M$210.06M$257.18M$429.53M$425.49M$141.16M$660.95M$990.95M$940.19M$1.08B
Dividend Yield2.26%2.98%2.57%2.49%2.75%2.79%1.83%1.70%1.50%1.22%
Payout Ratio44.76%85.89%53.09%44.24%54.00%61.96%50.11%43.53%42.68%40.98%

Frequently Asked Questions

How does Cass Information Systems, Inc.’s P/E ratio compare with its history?

On this page, CASS's current P/E is 19.8, compared with a multi-year average around 24.4. A lower P/E versus its own history is a calculated gap versus that average—not a conclusion that the stock is cheap. Pair it with profitability and earnings quality in the table (for example ROE/ROIC) to see whether the multiple moved with earnings.

What is Cass Information Systems, Inc. market cap?

Market cap is the market value of a company's equity and is commonly calculated as share price multiplied by shares outstanding. The latest market cap shown in the table is $724.13M. Pair market cap with valuation multiples (P/E, P/B, P/S) so you can evaluate whether size also corresponds with "quality" and profitability. For a wider view across stocks, you can also use the stock screener.

How does Cass Information Systems, Inc.’s P/E compare with its industry?

There is no P/E Tickerplace rates as good. Compare the P/E on this page with Cass Information Systems, Inc.'s own historical range (in the table) and with peers via the Screener and Compare tools. A higher or lower multiple versus peers is a calculated gap, not a recommendation.

How does Cass Information Systems, Inc. compare to its competitors in key financial ratios?

The fastest way to compare Cass Information Systems, Inc. with competitors is to use the built-in "Peers Comparison" section on this page and the Compare tool. Focus on a small set of ratios that work together: P/E for valuation, ROE/ROIC for profitability and capital efficiency, current ratio and interest coverage for liquidity and solvency, and debt-to-equity for leverage risk. When you see Cass Information Systems, Inc. outperform peers on profitability while keeping valuation and leverage reasonable, it often signals stronger fundamentals.

What do Cass Information Systems, Inc.'s liquidity and leverage ratios show?

Liquidity and leverage figures on this page are published ratios, not a verdict that Cass Information Systems, Inc. is financially strong. Current ratio is about 0.00, which is below 1.0 and can suggest tighter short-term liquidity. Interest coverage is about 11.74, implying a stronger ability to cover interest expenses. Debt-to-equity is about 0.33, suggesting leverage is more moderate relative to a high-debt profile. Pair them with ROE/ROIC and cash-flow rows in the table. Tickerplace does not rate the company as a good or poor investment.

What do Cass Information Systems, Inc.'s financial ratios say about its future growth?

Ratios are a way to see what the business is likely to sustain. Look for upward trends in profitability metrics (ROE and ROIC), improving earnings/cash-flow backed measures, and stable or strengthening liquidity. If Cass Information Systems, Inc. is sustaining strong returns (for example ROE at 15.09% and ROIC at 45.89%) while debt levels and interest coverage remain manageable, growth expectations may be more credible. If valuation multiples expand while returns weaken, the market may be pricing optimistic growth ahead of results.