Cass Information Systems delivers enterprise expense management solutions for transportation, telecom and facility-related expenses. The Company provides transportation invoice rating, payment processing, auditing, accounting and transportation information; it is also a processor and payer of energy invoices, including electricity, gas, waste, and other facility related expenses. Cass operates in two segments: Information Services, which provides transportation, energy, telecommunication, and environmental invoice processing and payment services to large corporations; and Banking Services, which provides banking services primarily to privately held businesses and churches, through the Company's bank subsidiary, Cass Commercial Bank.

Type
Public
HQ
St. Louis, US
Founded
1906
Size (employees)
790 (est)
Cass Information Systems was founded in 1906 and is headquartered in St. Louis, US
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Cass Information Systems Office Locations

Cass Information Systems has offices in St. Louis, Bridgeton, Columbus, Greenville and in 2 other locations
St. Louis, US (HQ)
550 12444 Powerscourt Dr
Bridgeton, US
13001 Hollenberg Dr
Columbus, US
2675 Corporate Exchange Dr
Greenville, US
400 80 International Dr
Jacksonville, US
2350 10401 Deerwood Park Blvd
Breda, NL
13 Princenhagelaan
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Cass Information Systems Financials and Metrics

Cass Information Systems Financials

Cass Information Systems's revenue was reported to be $135.30 m in FY, 2017
USD

Revenue (FY, 2017)

135.3 m

Gross profit (FY, 2017)

133.1 m

Gross profit margin (FY, 2017), %

98.4%

Net income (FY, 2017)

25 m

EBIT (FY, 2017)

39.8 m

Market capitalization (20-Apr-2018)

740.5 m

Cash (31-Dec-2017)

228.1 m
Cass Information Systems's current market capitalization is $740.5 m.
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

117.2 m120.8 m125.5 m135.3 m

Revenue growth, %

3%4%

Cost of goods sold

2.1 m2 m2.2 m

Gross profit

118.7 m123.5 m133.1 m
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

Revenue

30.1 m30.6 m30.8 m31 m31.6 m32.3 m33.7 m34.3 m

Sales and marketing expense

17.5 m17.8 m17.8 m18.1 m18.8 m

Operating expense total

22.6 m22.6 m22.9 m23.1 m23.6 m24.3 m24.9 m25 m

EBIT

9.3 m9.1 m10.3 m9.5 m9.5 m9.5 m9.9 m10.1 m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

225.3 m294.3 m253.2 m266.7 m228.1 m

Inventories

501.2 m5.4 m8.5 m686.2 m

PP&E

13.2 m16.9 m19.6 m21.1 m21.6 m

Goodwill

11.6 m11.6 m11.6 m11.6 m12.6 m
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

Cash

240.3 m199.2 m181.7 m238.7 m208.5 m158.6 m226.1 m145.3 m274.1 m303.1 m143.6 m301.1 m242.1 m

Accounts Receivable

(3.6 m)

Inventories

635 m665.1 m665.7 m677.6 m683.5 m675.2 m670.8 m684.6 m698.1 m684.9 m675.4 m671.7 m

PP&E

12.7 m13.5 m14.8 m16 m17.8 m18.8 m19 m19.9 m20.7 m20.8 m21.1 m21.3 m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

23.5 m24 m23.1 m24.3 m25 m

Depreciation and Amortization

7.3 m8.2 m8.9 m9.4 m11.3 m

Inventories

(703 k)(1.7 m)

Accounts Payable

(2.1 m)381 k
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

Net Income

18.2 m5.8 m11.8 m18.2 m5.5 m11.1 m17 m5.8 m11.7 m17.9 m6.3 m12.8 m6.9 m

Depreciation and Amortization

5.2 m2 m4.1 m6 m2.1 m4.2 m6.5 m2.3 m4.6 m7 m2.7 m5.5 m

Cash From Operating Activities

21.9 m8.8 m18.6 m28.4 m9.9 m17 m25.8 m7.2 m17.8 m25.6 m5.6 m21.5 m27.9 m

Cash From Investing Activities

45.3 m(41.6 m)(68 m)(111.4 m)12.6 m(7.3 m)(5.7 m)(27 m)(40.3 m)(41.3 m)(62.8 m)(51.4 m)(74 m)
USDY, 2017

Revenue/Employee

171.3 k

Financial Leverage

7.1 x
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Cass Information Systems Operating Metrics

Cass Information Systems's Total Loans was reported to be $671.7m in Q2, 2017.
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Non-performing Loans

$488 k$3.14 m$245 k

Total Loans

$669.35 m$683.54 m$375.17 m$670.84 m$659.87 m$684.62 m$698.13 m$684.87 m$664.87 m$675.38 m$671.68 m
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