Cass Information Systems, Inc. cash flow to debt ratio of 830.27% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Cass Information Systems, Inc.'s free cash flow has increased 7.27% from $29.62M last year to $31.77M, signaling increasing performance

Cass Information Systems, Inc.'s debt to equity ratio is 0.33, which means that the company's assets are healthy financed, signaling financial stability.

Cass Information Systems, Inc. has insufficient data to evaluate this check.

Cass Information Systems, Inc. has a net cash position, so leverage is healthy.

Cass Information Systems, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Cass Information Systems, Inc.'s profit margin has increased (107.39%) in the last year from 8.72% to 18.08%, signaling increasing performance

Cass Information Systems, Inc.'s short-term assets of $1.23B exceed its short-term liabilities of $1.12B

Cass Information Systems, Inc.'s return on assets of 1.46% is lower than the 5.00% threshold, indicating inefficient asset utilization

Cass Information Systems, Inc.'s return on equity of 15.09%, is higher than 15.00%, indicating good performance

Cass Information Systems, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Cass Information Systems, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Cass Information Systems, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Cass Information Systems, Inc. has a free cash flow yield of 4.31%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Cass Information Systems, Inc.'s yearly earnings has increased 83.20% since last year from $19.17M to $35.12M, signaling increasing performance

Cass Information Systems, Inc.'s yearly revenue has decreased 13.10% since last year from $219.89M to $191.10M, signaling decreasing performance

ROIC 118.40% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Cass Information Systems, Inc.'s 3-year revenue CAGR of 0.67% is positive, indicating growing revenue over the past 3 years

Cass Information Systems, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Cass Information Systems, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Cass Information Systems, Inc. is overvalued relative to its fair value price of 50.52 based on Discounted Cash Flow model

Cass Information Systems, Inc. has an earnings yield of 5.00%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Cass Information Systems, Inc. is overvalued relative to its fair value price of 50.38 based on EBITDA multiple model

Cass Information Systems, Inc. has an EV/EBITDA ratio of 7.61x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Cass Information Systems, Inc. is overvalued relative to its fair value price of 43.94 based on Earnings Fair Value model

Cass Information Systems, Inc. has a PEG-ratio over 1 which is considered overvalued

Cass Information Systems, Inc. has a price-to-book ratio of 3.00x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Cass Information Systems, Inc. has a price-to-sales ratio of 3.61x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue