Cass Information Systems, Inc — Earnings Quality Grade C
CASS · Industrials
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO surged by 22 days (118 → 140)
Small-cap context: DSO swings on a small revenue base are more often quarterly customer-mix effects than red flags.
AR growth 24.2% exceeds revenue growth 5.0%
Revenue 5.0%, CFFO -3.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -33.5% vs revenue 5.0%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.07. Profits backed by cash
FCF $0.0B, FCF/NI = 0.90
Accruals ratio = -0.1%. Low accruals
Insufficient data
Balance Sheet Health
Goodwill+Intangibles $0.0B = 8% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -6% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25