# Cass Information Systems Inc (CASS) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Industrials / Professional Services. Price $55.81, market value $713 million.

## Valuation
- **P/E (trailing): 20.1×** (5-yr avg 19.4×, 3-yr avg 21.0×). Cass Information Systems Inc trades at 20.1× trailing earnings, close to its own five-year average of 19.4×. The Industrials median in the September 2026 study was 25.7×. Forward P/E is 15.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.18**. A PEG of 0.18 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 6.6×**. Each dollar of revenue is priced at 6.6×.
- **Price / book: 2.9×**. The shares trade at 2.9× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 5.9%** (5-yr avg 6.0%). Free cash flow equals 5.9% of the market value, in line with its five-year average of 6.0%. Above 5% is generally attractive.
- **Earnings yield: 5.0%**. The inverse of the P/E: 5.0% of the price is earned each year.

## Profitability
- **Net margin: 32.5%**. 32.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 14.5%**. 14.5% on shareholders' equity is solid.
- **Return on assets: 1.4%**. Each dollar of assets produces 1.4% of profit.

## Growth
- **Revenue growth (1 yr): -1.8%** (3-yr -3.9%/yr, 5-yr 1.8%/yr). Revenue fell 1.8% over the last year, against 1.8% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 87.8%** (3-yr 1.0%/yr, 5-yr 8.6%/yr). Earnings per share rose 87.8%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -11.4%/yr**. Free cash flow has compounded at -11.4% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.29%** ($1.27 per share, trailing). Cass Information Systems Inc yields 2.29%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 47%** (39% of free cash flow). 47% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 3.0%/yr** (1-yr 3.3%). The dividend has grown 3.0% a year over five years.

## Price and momentum
- **Total return (1 yr): 31.3%** (YTD 36.3%, 3-mo 17.4%). The shares are up 31.3% over twelve months including dividends.
- **From 52-week high: -6.4%** (54.7% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 0.38** (volatility 23%). Beta of 0.38 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CASS · Page: https://foliofundamentals.com/stocks/cass

Not investment advice.