Cass Information Systems, Inc Financial Ratios — CC3 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	15.21	13.93	12.89	12.3	11.31	11.72	11.55	13.31	12.83	9.96	11.28	15.44	13.78	8.36	14.88
Return on Assets (%)	1.84	1.79	1.8	1.7	1.56	1.64	1.58	1.81	1.76	1.27	1.2	1.36	1.19	0.79	1.4
Return on Capital (%)	15.2	13.93	12.89	12.3	11.31	11.72	11.55	13.31	12.36	9.62	11.28	15.44	13.78	8.36	14.88
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	29.71	28.05	27.37	27.81	26.5	26.56	26.67	25.35	24.66	21.68	23.07	24.38	20.52	13.56	21.35
Profit Margin (%)	21.69	20.96	20.93	21.02	19.69	20.17	19.11	21.11	20.01	17.99	19.51	19.84	17.9	11.09	19.34
Net Income to Common Margin (%)	21.69	20.96	20.93	21.02	19.69	20.17	19.11	21.11	20.01	17.99	19.51	19.84	17.9	11.09	19.34
Effective Tax Rate (%)	26.97	25.29	23.54	24.41	25.71	24.06	28.32	16.72	18.85	17.02	15.43	18.64	19.07	20.84	19.73
Dvd Payout Ratio (%)	27.29	31.59	36.22	38.85	42.06	40.98	42.68	43.53	50.11	61.96	54	44.24	57.22	88.71	53.07
Sustainable Growth Rate (%)	11.06	9.53	8.22	7.52	6.55	6.92	6.62	7.51	6.4	3.79	5.19	8.61	5.9	0.94	6.98

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	18	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	18	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.17	13.52	14.36	13.36	14.25	13.82	13.58	13.56	13.84	11.85	9.62	8.02	9.27	9.56	9.32
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	7.37	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	6.87	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	1.02	- -	- -	- -	- -	- -	- -
Net Debt to Equity	-84.79	-73.19	-90.11	-105.91	-89.41	-71.46	-75.29	-84.54	-70.64	-256.75	-209.49	-97.39	-162.08	-152.7	-161.43
Net Debt/Capital (%)	-557.5	-272.93	-911.4	1,792.69	-844.43	-250.41	-304.76	-547	-240.61	163.8	191.33	-3,732.9	261.09	289.75	262.79
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.17	13.52	14.36	13.36	14.25	13.82	13.58	13.56	13.84	11.85	9.62	8.02	9.27	9.56	9.32
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	7.37	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	6.87	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	1.02	- -	- -	- -	- -	- -	- -
CFO/Total Liabilities	2.21	3.17	2.54	2.68	2.68	2.71	2.72	3.3	2.77	2.46	1.5	2.18	1.64	1.8	1.58
CFO/CapEx	13.32	11.4	5.95	5.54	5.83	7.51	9.42	10.99	15.47	23.88	7.91	8.8	3.09	4.58	6.61
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.49	1.63	2.08	2.9
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	104.52	224.32	175.83	125.98
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	845	552	548	621	624	551	540
- Cash & Cash Equivalents	136	127	172	212	185	149	169	194	190	671	515	201	372	350	392
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	18	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	250	-476	-641	-335	-376	-327	141
Total Capital	161	174	190	200	207	208	225	230	262	261	246	206	230	229	243
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	6.87	- -	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	0.07	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	1.65	- -	- -	- -	- -	- -	0.78
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	5.94	- -	- -	- -	- -	- -	3.77
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	6.35	- -	- -	- -	- -	- -	4.45
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	856	559	570	627	634	562	563
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	260	-470	-618	-329	-365	-315	164
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	17.25	- -	- -	- -	- -	- -	10.94
TTM Sales	106	111	112	114	117	121	131	143	152	140	147	176	168	173	182
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	26	35	29	35	33	35	39	48	42	48	35	52	37	39	37
TTM Free Cash Flow to Firm	24	32	24	29	28	31	35	44	39	46	30	46	25	30	32

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	21.71	12.2	18.9	13.71	25.38	18.47	17.72
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	250	-476	-641	-335	-376	-327	141
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	44.52	28.79	38.38	32.3	35.41	38.22	36.36
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	1.65	- -	- -	- -	- -	- -	0.78
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	27.61	21.93	19.64	17.63	20.67	28.75	15.7
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	24.06	23.74	21.28	14.85	18.63	30.42	15.68
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	28.47	32.98	23.63	17.65	22.96	34.06	17.24
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	21.1	16.45	18.91	12.54	15.94	26.92	13.65
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	3.46	2.12	2.23	3.01	2.71	2.41	2.22
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	3.02	2.29	2.41	2.53	2.45	2.55	2.22
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	3.57	3.18	2.68	3.01	3.02	2.85	2.44
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	2.65	1.59	2.14	2.14	2.09	2.25	1.93
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	3.75	2.27	2.39	3.36	2.98	2.65	2.42
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	3.27	2.46	2.59	2.83	2.69	2.81	2.42
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	3.86	3.41	2.88	3.36	3.31	3.14	2.66
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	2.86	1.7	2.3	2.39	2.3	2.48	2.11
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	5.52	3.95	3.83	3.5	3.7	3.19	3.04
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	4.81	4.27	4.15	2.94	3.33	3.37	3.03
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	5.7	5.93	4.61	3.5	4.11	3.78	3.34
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	4.22	2.96	3.69	2.49	2.85	2.98	2.64
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	19.92	11.56	16.26	11.92	16.82	14.15	14.73
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	17.37	12.51	17.62	10.04	15.16	14.97	14.71
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	20.55	17.37	19.56	11.93	18.69	16.76	16.17
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	15.23	8.67	15.65	8.48	12.97	13.25	12.8
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	18.93	13.2	20.47	11.54	22.87	19.55	17.7
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	22.39	18.34	22.73	13.72	28.19	21.89	19.46
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	16.59	9.15	18.19	9.75	19.57	17.3	15.41
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	0.93	- -	- -	- -	- -	- -	0.77
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	1.82	- -	- -	- -	- -	- -	1.07
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	0.34	- -	- -	- -	- -	- -	0.39
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	58.25	38.39	39.88	45.4	45.92	40.81	41.83
High Price	- -	- -	- -	- -	- -	- -	- -	- -	60.07	57.71	47.97	45.44	51.01	48.36	45.94
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	142	-430	-595	-433	-438	-295	141
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	277	-198	-530	-334	-307	-225	194
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	51	-614	-661	-514	-519	-362	71

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	15	15	15	15	15	15	15	15	15	14	14	14	14	14	13
Diluted Weighted Avg Shares	15	15	15	15	15	15	15	15	15	15	14	14	14	14	13
Basic Weighted Avg Shares	15	15	15	15	15	15	15	15	14	14	14	14	14	14	13
Revenue per Share	7.08	7.41	7.42	7.53	7.81	8.2	8.89	9.76	10.55	9.73	10.4	12.98	12.41	12.8	13.77
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.54	1.55	1.55	1.58	1.54	1.65	1.7	2.06	2.11	1.75	2.03	2.58	2.22	1.42	2.66
Basic EPS from Cont Ops	1.54	1.55	1.55	1.58	1.54	1.65	1.7	2.06	2.11	1.75	2.03	2.58	2.06	1.37	2.36
Diluted EPS, GAAP	1.52	1.53	1.53	1.56	1.52	1.63	1.68	2.03	2.07	1.73	2	2.53	2.18	1.39	2.61
Diluted EPS from Cont Ops	1.52	1.53	1.53	1.56	1.52	1.63	1.68	2.03	2.07	1.73	2	2.53	2.02	1.35	2.31
Dividend per Share	0.42	0.49	0.56	0.62	0.65	0.68	0.73	0.9	1.06	1.08	1.1	1.14	1.18	1.22	1.25
Cash Flow per Share	1.71	2.35	1.91	2.3	2.23	2.39	2.64	3.29	2.92	3.32	2.45	3.81	2.73	2.88	2.84
Free Cash Flow per Basic Share	1.58	2.15	1.59	1.88	1.85	2.07	2.36	2.99	2.73	3.18	2.14	3.38	1.85	2.25	2.41
Cash & Equivalents per Share	29.7	31.01	32.18	37.44	37.51	36.51	43.41	43.52	42.25	71.44	86.53	69.89	73.59	65	30.89
Book Value per Share	10.67	11.5	12.52	13.2	13.86	14.09	15.27	15.73	16.82	18.15	17.9	15.09	16.92	16.96	18.81
Tangible Book Value per Share	10.17	10.49	11.55	12.26	12.93	13.17	14.28	14.76	15.55	16.92	16.67	13.53	15.4	15.39	17.27