CASS INFORMATION SYSTEMS, INC. financials

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CASS CIK 0000708781

Source: EDGAR filings · Built 2026-06-02T02:34:01Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 31.77M 30.44M 25.00M 45.74M 30.18M 45.78M
Net Debt -387.76M -342.30M -363.99M -191.44M -510.04M -670.53M
Net Margin 32.52% 17.44% 28.34% 28.69% 26.32% 25.46%
Return on Equity (ROE) 14.45% 8.37% 13.08% 16.92% 11.64% 9.64%
Return on Assets (ROA) 1.35% 0.80% 1.21% 1.36% 1.12% 1.14%
Debt-to-Equity 0.02× 0.03× 0.04× 0.05× 0.02× 0.00×
Effective Tax Rate 19.73% 20.84% 19.07% 18.64% 15.43% 17.02%
Cash Conversion Ratio 1.07× 2.03× 1.23× 1.48× 1.21× 1.90×
Accruals Ratio -0.00× -0.01× -0.00× -0.01× -0.00× -0.01×
SBC % of Revenue 3.88% 2.78% 3.78% 5.53% 2.63% 2.29%
CapEx Coverage 6.61× 4.58× 3.09× 8.80× 7.91× 23.88×
Free Cash Flow Per Share $2.36 $2.21 $1.81 $3.31 $2.11 $3.14

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 15.91× 29.43× 20.67× 18.11× 19.66× 22.49×
P/FCF 17.59× 18.52× 24.90× 13.83× 18.67× 12.38×
FCF Yield 5.68% 5.40% 4.02% 7.23% 5.36% 8.08%
P/S 4.97× 5.03× 5.77× 5.15× 4.97× 5.66×
P/B 2.21× 2.41× 2.66× 3.04× 2.20× 2.14×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue from Contract with Customer, Excluding Assessed Tax 108.00M 109.93M 106.07M 121.66M 108.69M 98.90M
Revenues 190.75M 181.19M 176.97M 182.48M 154.15M 144.96M
Operating Expenses 151.99M 157.74M 142.50M 139.58M — —
Income Tax Expense (Benefit) 7.65M 4.89M 6.57M 8.00M 5.22M 5.17M
Net Income (Loss) Attributable to Parent 35.12M 19.17M 30.06M 34.90M 28.60M 25.18M
Earnings Per Share, Basic $2.66 $1.42 $2.22 $2.58 $2.03 $1.75
Weighted Average Number of Shares Outstanding, Basic 13.18M 13.50M 13.53M 13.55M 14.09M 14.36M
Earnings Per Share, Diluted $2.61 $1.39 $2.18 $2.53 $2.00 $1.73
Weighted Average Number of Shares Outstanding, Diluted 13.46M 13.78M 13.82M 13.81M 14.33M 14.57M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value — — — — — 670.53M
Assets 2.61B 2.40B 2.48B 2.57B 2.55B 2.20B
Liabilities 2.36B 2.17B 2.25B 2.37B 2.31B 1.94B
Stockholders' Equity Attributable to Parent 243.00M 229.03M 229.81M 206.32M 245.80M 261.16M
Common Stock, Shares, Outstanding 12.92M 13.50M 13.58M 13.67M 13.73M 14.39M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 37.44M 38.95M 36.94M 51.61M 34.55M 47.78M
Payments to Acquire Property, Plant, and Equipment 5.66M 8.51M 11.94M 5.87M 4.37M 2.00M
Net Cash Provided by (Used in) Investing Activities -145.28M 3.95M 284.66M -306.39M -528.52M -43.90M
Payments for Repurchase of Common Stock 25.99M 7.25M 5.77M 5.30M 31.00M 6.83M
Net Cash Provided by (Used in) Financing Activities 150.38M -65.64M -150.07M -59.20M 338.37M 462.69M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (CASS CIK 0000708781), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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