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CASS - Cass Information Sys...

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Cass Information Systems, Inc.

CASS

NASDAQ

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. It operates through two segments, Information Services and Banking Services. The company's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. It also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as checking, savings, and time deposit accounts; commercial, industrial, and real estate loans; and cash management services to privately-owned businesses and faith-related ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and leased facilities in Fenton, Missouri and Colorado Springs, Colorado. The company was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. Cass Information Systems, Inc. was founded in 1906 and is headquartered in St. Louis, Missouri.

39.29 USD

0.08 (0.204%)

Free Cash Flow

Year

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

Revenue

144.96M

154.02M

183.83M

213.23M

199.19M

216.63M

235.59M

256.21M

278.64M

303.03M

Revenue %

-

6.25

19.35

15.99

-6.58

8.75

8.75

8.75

8.75

Operating Cash Flow

47.78M

34.55M

51.61M

36.94M

38.95M

52.14M

56.7M

61.67M

67.07M

72.94M

Operating Cash Flow %

32.96

22.43

28.07

17.32

19.55

24.07

24.07

24.07

24.07

Cap Ex

-2M

-4.37M

-5.87M

-14.32M

-

-6.12M

-6.66M

-7.24M

-7.87M

-8.56M

Cap Ex %

-1.38

-2.84

-3.19

-6.72

-

-2.83

-2.83

-2.83

-2.83

Free Cash Flow

45.78M

30.18M

45.74M

22.61M

38.95M

46.02M

50.05M

54.43M

59.19M

64.37M

Weighted Average Cost Of Capital

Price

39.29

Beta

Diluted Shares Outstanding

13.78M

Costof Debt

4.15

Tax Rate

After Tax Cost Of Debt

3.28

Risk Free Rate

Market Risk Premium

Cost Of Equity

Total Debt

0

Total Equity

541.34M

Total Capital

541.34M

Debt Weighting

0

Equity Weighting

100

Wacc

6.56

Build Up Free Cash Flow

Year

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

Revenue

144.96M

154.02M

183.83M

213.23M

199.19M

216.63M

235.59M

256.21M

278.64M

303.03M

Operating Cash Flow

47.78M

34.55M

51.61M

36.94M

38.95M

52.14M

56.7M

61.67M

67.07M

72.94M

Cap Ex

-2M

-4.37M

-5.87M

-14.32M

-

-6.12M

-6.66M

-7.24M

-7.87M

-8.56M

Free Cash Flow

45.78M

30.18M

45.74M

22.61M

38.95M

46.02M

50.05M

54.43M

59.19M

64.37M

Wacc

6.56

6.56

6.56

6.56

6.56

Pv Lfcf

43.19M

44.08M

44.99M

45.91M

46.86M

Sum Pv Lfcf

225.02M

Terminal Value

Growth In Perpetuity Method

Long Term Growth Rate

Wacc

6.56

Free Cash Flow T1

65.66M

Terminal Value

1.44B

Present Terminal Value

1.05B

Intrinsic Value

Enterprise Value

1.27B

Net Debt

-19.33M

Equity Value

1.29B

Diluted Shares Outstanding

13.78M

Equity Value Per Share

93.86

Projected DCF

93.86 0.581%

DCF Levered

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