← CASS INFORMATION SYSTEMS INC CASS
Market Price
$58.46
Market Cap
$754.76M
P/E Ratio
22.40
Revenue (FY 2025)
↓-18.1% YoY
$108.00M
3-Yr CAGR: -4.8%
Net Income
↑83.2% YoY
$35.12M
Net Margin: 32.5%
Free Cash Flow
↑7.3% YoY
$31.77M
FCF Yield: 4.21%
EPS (Diluted)
↑87.8% YoY
$2.61
Basic: $2.66
Return on Equity
Efficiency
14.5%
ROA: 942.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CASS)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2017: Revenue YoY (+7.8%) is identical to Gross Profit YoY (+7.8%). Verify the underlying Revenue and Gross Profit values for FY 2017 and FY 2016.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $125.5M | — | $123.5M | $24.3M | — | $2.15 | — | $-3.5M | $-8.2M | — |
| FY 2017 | $135.3M | +7.8% | $133.1M | $25.0M | +2.7% | $2.01 | -6.5% | $38.9M | $34.8M | +526.2% |
| FY 2018 | $148.3M | +9.6% | $144.5M | $30.3M | +21.0% | $2.03 | +1.0% | $48.3M | $43.9M | +26.4% |
| FY 2019 | $157.2M | +6.0% | $152.0M | $30.4M | +0.4% | $2.07 | +2.0% | $42.1M | $39.4M | -10.3% |
| FY 2020 | $145.0M | -7.8% | $142.6M | $25.2M | -17.2% | $1.73 | -16.4% | $47.8M | $45.8M | +16.2% |
| FY 2021 | $109.7M | -24.3% | $108.5M | $28.6M | +13.6% | $2.00 | +15.6% | $34.5M | $30.2M | -34.1% |
| FY 2022 | $125.0M | +13.9% | $121.5M | $34.9M | +22.0% | $2.53 | +26.5% | $51.6M | $45.7M | +51.6% |
| FY 2023 | $130.5M | +4.4% | $114.2M | $30.1M | -13.9% | $2.18 | -13.8% | $36.9M | $22.6M | -50.6% |
| FY 2024 | $131.8M | +1.1% | $111.6M | $19.2M | -36.2% | $1.39 | -36.2% | $38.9M | $29.6M | +31.0% |
| FY 2025 | $108.0M | -18.1% | $91.7M | $35.1M | +83.2% | $2.61 | +87.8% | $37.4M | $31.8M | +7.3% |
Valuation
Market Price
$58.46
Market Cap
$754.76M
Enterprise Value
N/A
P/E Ratio
22.40
P/B Ratio
3.10
FCF Yield
4.21%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
84.88%
Operating Margin
35.89%
Net Margin
32.52%
Return on Equity (ROE)
14.45%
Return on Assets (ROA)
941.95%
Asset Turnover
28.97x
Revenue 3-Yr CAGR
-4.75%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$670.53M
Total Debt
N/A
Book Value / Share
$18.88
Cash Flow Efficiency
Operating Cash Flow
$37.44M
Capital Expenditures (CapEx)
$5.66M
Free Cash Flow
$31.77M
OCF / Revenue
34.66%
FCF / Revenue
29.42%
FCF 3-Yr CAGR
-11.44%
Per Share Metrics
EPS (Diluted)
$2.61
EPS (Basic)
$2.66
Dividends / Share
N/A
Book Value / Share
$18.88
EPS YoY Growth
87.77%
Balance Sheet (FY 2025)
Total Assets
$3.73M
Total Liabilities
$9.49M
Stockholders' Equity
$243.00M
Current Assets
N/A
Current Liabilities
N/A