ScoreWhy is Cass Information Systems, Inc. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 12.22%
2
Poor long term growth as Net Sales has grown by an annual rate of 6.96% and Operating profit at 3.78%
3
Flat results in Mar 26
- INTEREST(9M) At USD 0.06 MM has Grown at 5,900%
- OPERATING CASH FLOW(Y) Lowest at USD 30.43 MM
- DEBT-EQUITY RATIO (HY) Highest at -39.3 %
4
With ROE of 12.80%, it has a fair valuation with a 2.57 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 18.81%, its profits have risen by 66.1% ; the PEG ratio of the company is 0.3
5
High Institutional Holdings at 80%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 7.16% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Cass Information Systems, Inc. should be less than 10%
- Overall Portfolio exposure to Miscellaneous should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Miscellaneous)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Cass Information Systems, Inc. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Cass Information Systems, Inc.
18.81%
0.83
24.08%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.96%
EBIT Growth (5y)
3.78%
EBIT to Interest (avg)
35.34
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0.92
Tax Ratio
20.05%
Dividend Payout Ratio
53.31%
Pledged Shares
0
Institutional Holding
80.00%
ROCE (avg)
350.51%
ROE (avg)
12.22%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
2.57
EV to EBIT
6.21
EV to EBITDA
5.43
EV to Capital Employed
-1.56
EV to Sales
1.12
PEG Ratio
0.28
Dividend Yield
2.76%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
12.80%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 9.21
RAW MATERIAL COST(Y)
Fallen by -0.94% (YoY
NET PROFIT(9M)
Higher at USD 26.14 MM
DEBTORS TURNOVER RATIO(HY)
Highest at 9.21 times
-7What is not working for the Company
INTEREST(9M)
At USD 0.06 MM has Grown at 5,900%
OPERATING CASH FLOW(Y)
Lowest at USD 30.43 MM
DEBT-EQUITY RATIO
(HY)
Highest at -39.3 %
Here's what is working for Cass Information Systems, Inc.
Dividend per share
Highest at USD 9.21 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Profit
At USD 26.14 MM has Grown at 67.06%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Debtors Turnover Ratio
Highest at 9.21 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Net Profit
Higher at USD 26.14 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Raw Material Cost
Fallen by -0.94% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
At USD 1.73 MM has Grown at inf%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Cass Information Systems, Inc.
Interest
At USD 0.06 MM has Grown at 5,900%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Operating Cash Flow
Lowest at USD 30.43 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Debt-Equity Ratio
Highest at -39.3 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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