Discounted Cash Flow
Cass Information Systems Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $125.5m | $24.3m | $-8.2m | 19.4% | $2.18 |
| 2017 | $135.3m (7.8%) | $25.0m (2.7%) | $34.8m (526.2%) | 18.5% (-4.7%) | $2.04 (-6.4%) |
| 2018 | $148.3m (9.6%) | $30.3m (21.0%) | $43.9m (26.4%) | 20.4% (10.4%) | $2.06 (1.0%) |
| 2019 | $157.2m (6.0%) | $30.4m (0.4%) | $39.4m (-10.3%) | 19.3% (-5.3%) | $2.11 (2.4%) |
| 2020 | $145.0m (-7.8%) | $25.2m (-17.2%) | $45.8m (16.2%) | 17.4% (-10.2%) | $1.75 (-17.1%) |
| 2021 | $109.7m (-24.3%) | $28.6m (13.6%) | $30.2m (-34.1%) | 26.1% (50.1%) | $2.03 (16.0%) |
| 2022 | $125.0m (13.9%) | $34.9m (22.0%) | $45.7m (51.6%) | 27.9% (7.1%) | $2.58 (27.1%) |
| 2023 | $130.5m (4.4%) | $30.1m (-13.9%) | $22.6m (-50.6%) | 23.0% (-17.5%) | $2.22 (-14.0%) |
| 2024 | $131.8m (1.1%) | $19.2m (-36.2%) | $29.6m (31.0%) | 14.5% (-36.9%) | $1.42 (-36.0%) |
| 2025 | $108.0m (-18.1%) | $35.1m (83.2%) | $31.8m (7.3%) | 32.5% (123.7%) | $2.66 (87.3%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.