What is Cass Information Systems Inc's earnings per share (EPS)?

Cass Information Systems Inc (CASS) reported diluted earnings per share of $2.61 for fiscal year 2025. This represents a 87.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Cass Information Systems Inc (CASS) Financials

CASS

Trailing 12 months to June 30, 2026

Revenue $199.0M +8.3% YoY

Net Income $36.7M +44.8% YoY

EPS (Diluted) $2.78 +49.5% YoY

Free Cash Flow $41.9M +28.7% YoY

Market Cap $684.8M as of Oct 14, 2026

Price / Sales 3.4x on $199.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 18.7x on $36.7M net income, trailing 12 months to June 30, 2026

Price / Book 2.8x on $244.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CASS SEC filings page.

Cass Information Systems Inc (CASS) reported $199.0M in revenue over the twelve months to Jun 30, 2026, up 8.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CASS FY2025 2026-10-04

The business earns recurring profits on a thin equity base, while cash generation remains modest beside its liability-heavy balance sheet.

The 2025 rebound in net margin to 18.4% and ROA to 1.4% restored earnings efficiency, but debt-to-equity stayed at 9.7x, so improved profitability did not materially change the financing structure.

Net income recovered from $19.2M in FY2024 to $35.1M in FY2025. Yet operating cash flow moved from $38.9M to $37.4M, indicating that the profit rebound was not accompanied by greater cash generation.

Capital expenditures were $5.7M versus free cash flow of $31.8M, indicating the reported cash surplus did not require heavy reinvestment. Liabilities equaled 90.7% of assets, while debt-to-equity was 9.7x; that structure helps explain why the 14.5% ROE is amplified by a relatively small equity cushion.

Financial Health Signals

Financial health score not available

Cass Information Systems Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/6

Cass Information Systems Inc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.07x

For every $1 of reported earnings, Cass Information Systems Inc generates $1.07 in operating cash flow ($37.4M OCF vs $35.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$50.5M

YoY+13.6%

QoQ+2.7%

5Y CAGR+5.6%

10Y CAGR+5.0%

Cass Information Systems Inc generated $50.5M in revenue in Q2 2026. This represents an increase of 13.6% from the same quarter a year earlier. Against the prior quarter it is up 2.7%.

Net Income

$10.6M

YoY+19.6%

QoQ+19.9%

5Y CAGR+8.5%

10Y CAGR+6.1%

Cass Information Systems Inc reported $10.6M in net income in Q2 2026. This represents an increase of 19.6% from the same quarter a year earlier. Against the prior quarter it is up 19.9%.

EPS (Diluted)

$0.81

YoY+22.7%

QoQ+20.9%

5Y CAGR+11.0%

10Y CAGR+5.6%

Cass Information Systems Inc earned $0.81 per diluted share (EPS) in Q2 2026. This represents an increase of 22.7% from the same quarter a year earlier. Against the prior quarter it is up 20.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$13.8M

YoY+625.8%

QoQ+9.4%

5Y CAGR+27.7%

10Y CAGR+4.3%

Cass Information Systems Inc generated $13.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 625.8% from the same quarter a year earlier. Against the prior quarter it is up 9.4%.

Cash & Debt

$228.5M

YoY+4.7%

QoQ-6.5%

5Y CAGR-18.1%

10Y CAGR-1.8%

Cass Information Systems Inc held $228.5M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.32

YoY+3.2%

QoQ0.0%

5Y CAGR+3.5%

Cass Information Systems Inc paid $0.32 per share in dividends in Q2 2026. This represents an increase of 3.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

13M

YoY-3.1%

QoQ-0.5%

5Y CAGR-2.2%

10Y CAGR+1.4%

Cass Information Systems Inc had 13M shares outstanding in Q2 2026. This represents a decrease of 3.1% from the same quarter a year earlier. Against the prior quarter it is down 0.5%.

Margins & Returns

Net Margin

21.0%

YoY+1.0pp

QoQ+3.0pp

5Y change+2.7pp

10Y change+2.0pp

Cass Information Systems Inc's net profit margin was 21.0% in Q2 2026, showing the share of revenue converted to profit. This is up 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.0 percentage points.

Return on Equity

4.3%

YoY+0.6pp

QoQ+0.7pp

5Y change+1.6pp

10Y change+1.5pp

Cass Information Systems Inc's ROE was 4.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$3.1M

YoY-48.0%

QoQ+5.4%

5Y CAGR-5.3%

Cass Information Systems Inc spent $3.1M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 48.0% from the same quarter a year earlier. Against the prior quarter it is up 5.4%.

Capital Expenditures

$3.1M

YoY+130.9%

QoQ+63.4%

5Y CAGR+25.7%

10Y CAGR+7.2%

Cass Information Systems Inc invested $3.1M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 130.9% from the same quarter a year earlier. Against the prior quarter it is up 63.4%.

R&D Spending

Not reported for Q2 2026.

CASS Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CASS quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$199.0M	$191.1M+5.2%	$181.6M+2.6%	$177.0M-3.7%	$183.8M+19.3%	$154.1M+5.7%	$145.8M-7.4%	$157.5M+6.2%	$148.3M+9.6%	$135.3M+7.8%	$125.5M+3.9%	$120.8M+3.1%	$117.2M+1.6%	$115.3M+1.2%	$113.9M+4.8%	$108.7M
SG&A Expenses	$109.4M	$110.1M+0.7%	$109.3M+4.7%	$104.4M-2.0%	$106.5M+15.5%	$92.2M+4.6%	$88.1M-3.3%	$91.1M+6.1%	$85.9M+11.0%	$77.3M+6.6%	$72.6M+3.2%	$70.3M+6.4%	$66.1M+0.6%	$65.7M+5.0%	$62.6M+10.6%	$56.6M
Interest Expense	$16.0M	$16.3M-19.4%	$20.3M+24.5%	$16.3M+367.1%	$3.5M+197.4%	$1.2M-50.4%	$2.4M-54.5%	$5.2M+39.0%	$3.7M+70.8%	$2.2M+7.8%	$2.0M-3.9%	$2.1M-14.2%	$2.5M-13.1%	$2.8M-10.0%	$3.1M-28.0%	$4.4M
Income Tax	$8.9M	$7.6M+56.5%	$4.9M-25.7%	$6.6M-17.8%	$8.0M+53.3%	$5.2M+1.0%	$5.2M-26.9%	$7.1M+16.2%	$6.1M-38.5%	$9.9M+28.1%	$7.7M-3.3%	$8.0M+2.8%	$7.8M+7.3%	$7.2M-8.3%	$7.9M-7.2%	$8.5M
Net Income	$36.7M	$35.1M+83.2%	$19.2M-36.2%	$30.1M-13.9%	$34.9M+22.0%	$28.6M+13.6%	$25.2M-17.2%	$30.4M+0.4%	$30.3M+21.0%	$25.0M+2.7%	$24.3M+5.6%	$23.1M-4.1%	$24.0M+2.3%	$23.5M+0.8%	$23.3M+1.3%	$23.0M
EPS (Basic)	N/A	$2.66+87.3%	$1.42-36.0%	$2.22-14.0%	$2.58+27.1%	$2.03+16.0%	$1.75-17.1%	$2.11+2.4%	$2.06+21.2%	$1.70+3.0%	$1.65-10.8%	$1.85-11.5%	$2.09+2.0%	$2.050.0%	$2.05+1.0%	$2.03
EPS (Diluted)	$2.78	$2.61+87.8%	$1.39-36.2%	$2.18-13.8%	$2.53+26.5%	$2.00+15.6%	$1.73-16.4%	$2.07+2.0%	$2.03+20.8%	$1.68+3.1%	$1.63-10.4%	$1.82-11.7%	$2.06+2.0%	$2.020.0%	$2.02+0.5%	$2.01
Diluted Shares (Avg)	N/A	13M-2.3%	14M-0.3%	14M+0.1%	14M-3.6%	14M-1.6%	15M-0.9%	15M-1.5%	15M0.0%	15M-0.1%	15M+17.8%	13M+8.8%	12M0.0%	12M+0.7%	12M+0.7%	11M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$50.5M+13.6%	$49.2M+3.9%	$49.3M+8.3%	$50.1M+7.6%	$44.4M+0.1%	$47.3M+4.7%	$45.5M+51.4%	$46.5M-5.7%
SG&A Expenses	$27.1M-2.4%	$27.3M0.0%	$27.4M-7.5%	$27.6M+4.1%	$27.8M+5.7%	$27.3M+1.4%	$29.7M+94.0%	$26.5M-10.5%
Interest Expense	$4.1M-2.5%	$3.9M-5.5%	$3.9M-15.5%	$4.2M-19.5%	$4.2M-21.6%	$4.1M-20.5%	$4.6M-1.6%	$5.2M+11.1%
Income Tax	$2.6M+132.3%	$2.1M-7.8%	$1.8M+70.0%	$2.4M+226.5%	$1.1M-11.2%	$2.3M+26.9%	$1.1M-13.4%	$736K-58.3%
Net Income	$10.6M+19.6%	$8.8M-1.5%	$8.2M+78.3%	$9.1M+209.9%	$8.9M+97.5%	$9.0M+25.4%	$4.6M-45.4%	$2.9M-60.3%
EPS (Basic)	$0.83+23.9%	$0.69+3.0%	$0.63+85.3%	$0.69+213.6%	$0.67+103.0%	$0.67+26.4%	$0.34-45.2%	$0.22-60.0%
EPS (Diluted)	$0.81+22.7%	$0.67+1.5%	$0.62+87.9%	$0.68+223.8%	$0.66+106.3%	$0.66+26.9%	$0.33-46.8%	$0.21-61.1%
Diluted Shares (Avg)	13M-3.6%	13M-3.6%	N/A	13M-2.8%	14M-1.9%	14M-1.0%	N/A	14M0.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CASS Balance Sheet

CASS quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.6B+8.8%	$2.4B-3.4%	$2.5B-3.7%	$2.6B+0.7%	$2.6B+16.0%	$2.2B+24.9%	$1.8B+4.1%	$1.7B+5.7%	$1.6B+6.5%	$1.5B+3.4%	$1.5B-3.0%	$1.5B+13.2%	$1.3B+3.0%	$1.3B-2.4%	$1.3B
Cash & Equivalents	$392.3M+12.2%	$349.7M-6.1%	$372.5M+85.4%	$200.9M-61.0%	$514.9M-23.2%	$670.5M+228.8%	$204.0M-11.7%	$230.9M+1.2%	$228.1M-14.5%	$266.7M+5.4%	$253.2M-14.0%	$294.3M+30.7%	$225.3M+59.7%	$141.1M-40.2%	$236.0M
Short-Term Investments	$366.1M+10.8%	$330.4M-6.0%	$351.6M+95.4%	$179.9M-64.2%	$502.6M-21.4%	$639.5M+51.3%	$422.7M-4.3%	$441.5M-6.2%	$470.5M+20.5%	$390.6M+4.0%	$375.7M+5.5%	$356.1M+12.1%	$317.8M-7.1%	$341.9M	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$16.2M-1.0%	$16.3M+32.7%	$12.3M-28.9%	$17.3M+21.4%	$14.3M0.0%	$14.3M0.0%	$14.3M+13.5%	$12.6M0.0%	$12.6M+8.4%	$11.6M0.0%	$11.6M0.0%	$11.6M0.0%	$11.6M0.0%	$11.6M+55.1%	$7.5M
Total Liabilities	$2.4B+9.1%	$2.2B-3.7%	$2.2B-5.0%	$2.4B+2.5%	$2.3B+18.9%	$1.9B+27.8%	$1.5B+3.7%	$1.5B+2.3%	$1.4B+10.4%	$1.3B+3.9%	$1.2B-4.0%	$1.3B+14.5%	$1.1B+2.0%	$1.1B-3.9%	$1.2B
Total Equity	$243.0M+6.1%	$229.0M-0.3%	$229.8M+11.4%	$206.3M-16.1%	$245.8M-5.9%	$261.2M+6.9%	$244.2M+6.2%	$229.8M+2.1%	$225.1M+8.2%	$208.0M+0.3%	$207.4M+3.5%	$200.4M+5.3%	$190.4M+9.4%	$174.0M+8.4%	$160.5M
Retained Earnings	$167.1M+12.5%	$148.5M+1.9%	$145.8M+10.7%	$131.7M+17.3%	$112.2M+13.3%	$99.1M+9.7%	$90.3M+20.2%	$75.2M+26.7%	$59.3M-49.9%	$118.4M+13.8%	$104.0M+14.7%	$90.6M+19.4%	$75.9M+24.6%	$61.0M-32.2%	$89.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.5B+8.6%	$2.5B+9.3%	$2.6B+8.8%	$2.5B+8.5%	$2.3B+1.5%	$2.3B+1.1%	$2.4B-3.4%	$2.3B-9.7%
Cash & Equivalents	$228.5M+4.7%	$244.3M+10.7%	$392.3M+12.2%	$258.6M+12.2%	$218.2M-2.5%	$220.7M+14.5%	$349.7M-6.1%	$230.6M-43.6%
Short-Term Investments	$187.3M-12.1%	$209.4M+0.6%	$366.1M+10.8%	$228.0M+13.2%	$213.1M-2.3%	$208.2M+18.7%	$330.4M-6.0%	$201.4M-47.7%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$16.2M0.0%	$16.2M0.0%	$16.2M-1.0%	$16.2M-6.6%	$16.2M+31.5%	$16.2M+31.5%	$16.3M+32.7%	$17.3M0.0%
Total Liabilities	$2.3B+9.5%	$2.3B+10.0%	$2.4B+9.1%	$2.2B+9.2%	$2.1B+1.1%	$2.1B+1.0%	$2.2B-3.7%	$2.0B-12.0%
Total Equity	$244.7M+1.6%	$241.8M+3.2%	$243.0M+6.1%	$243.4M+2.4%	$240.8M+4.7%	$234.2M+2.1%	$229.0M-0.3%	$237.6M+15.2%
Retained Earnings	$178.3M+12.8%	$171.8M+12.1%	$167.1M+12.5%	$163.0M+10.1%	$158.0M+5.9%	$153.3M+3.0%	$148.5M+1.9%	$148.1M+4.7%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CASS Cash Flow Statement

CASS quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$48.6M	$37.4M-3.9%	$38.9M+5.4%	$36.9M-28.4%	$51.6M+49.4%	$34.5M-27.7%	$47.8M+13.4%	$42.1M-12.8%	$48.3M+24.3%	$38.9M+10.5%	$35.2M+5.1%	$33.5M-3.9%	$34.8M+20.6%	$28.9M-18.2%	$35.3M+37.8%	$25.6M
Depreciation & Amortization	N/A	$7.2M+25.8%	$5.7M+23.2%	$4.6M-1.2%	$4.7M-9.1%	$5.2M-2.9%	$5.3M+11.3%	$4.8M+9.0%	$4.4M+8.5%	$4.1M+10.9%	$3.7M+6.9%	$3.4M+10.3%	$3.1M+6.9%	$2.9M+14.4%	$2.5M+22.8%	$2.1M
Stock-Based Compensation	N/A	$4.2M+37.2%	$3.1M-23.8%	$4.0M-40.5%	$6.7M+135.5%	$2.9M+26.1%	$2.3M-27.9%	$3.1M+4.6%	$3.0M+28.5%	$2.3M+19.4%	$2.0M-4.9%	$2.1M+0.9%	$2.0M+3.3%	$2.0M-0.1%	$2.0M+42.1%	$1.4M
Capital Expenditures	$6.7M	$5.7M-33.5%	$8.5M-28.7%	$11.9M+103.5%	$5.9M+34.3%	$4.4M+118.3%	$2.0M-26.5%	$2.7M-38.1%	$4.4M+6.6%	$4.1M-11.9%	$4.7M-18.5%	$5.7M-8.6%	$6.3M+29.5%	$4.9M+56.7%	$3.1M+61.0%	$1.9M
Free Cash Flow	$41.9M	$31.8M+4.4%	$30.4M+21.8%	$25.0M-45.3%	$45.7M+51.6%	$30.2M-34.1%	$45.8M+16.2%	$39.4M-10.3%	$43.9M+26.4%	$34.8M+14.0%	$30.5M+9.9%	$27.7M-2.8%	$28.6M+18.8%	$24.0M-25.4%	$32.2M+35.9%	$23.7M
Investing Cash Flow	-$198.8M	-$145.3M-3777.0%	$4.0M-98.6%	$284.7M+192.9%	-$306.4M+42.0%	-$528.5M-1103.9%	-$43.9M+42.1%	-$75.8M-61.9%	-$46.8M+66.5%	-$139.8M-236.5%	-$41.6M-1042.8%	-$3.6M	N/A	N/A	-$65.2M-110.1%	-$31.0M
Financing Cash Flow	$160.4M	$150.4M+329.1%	-$65.6M+56.3%	-$150.1M-153.5%	-$59.2M-117.5%	$338.4M-26.9%	$462.7M+6855.7%	$6.7M+418.5%	$1.3M-97.9%	$62.3M+212.6%	$19.9M+128.1%	-$71.0M	N/A	N/A	-$65.0M-163.5%	$102.4M
Dividends Paid	$16.4M	$16.5M+0.3%	$16.5M+3.2%	$16.0M+3.3%	$15.4M0.0%	$15.4M-1.0%	$15.6M+2.4%	$15.2M+15.6%	$13.2M+23.4%	$10.7M+7.0%	$10.0M+2.9%	$9.7M+3.9%	$9.3M+9.7%	$8.5M+15.6%	$7.4M+17.2%	$6.3M
Share Buybacks	$21.0M	$26.0M+258.6%	$7.2M+25.5%	$5.8M+8.9%	$5.3M-82.9%	$31.0M+354.2%	$6.8M-12.5%	$7.8M-11.8%	$8.8M+289.3%	$2.3M-75.4%	$9.2M-15.9%	$11.0M+492.6%	$1.8M	$0	$0	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$16.9M+1411.9%	$14.5M-32.5%	$4.8M-74.0%	$12.3M+6319.7%	-$1.3M-112.1%	$21.6M+119.4%	$18.6M+146.1%	-$198K-101.6%
Depreciation & Amortization	$1.8M-3.7%	$1.7M+2.4%	$1.8M+7.4%	$1.7M+20.6%	$1.9M+47.4%	$1.7M+34.3%	$1.7M+72.0%	$1.4M+17.3%
Stock-Based Compensation	$1.1M+23.1%	$1.4M+16.0%	N/A	$1.0M+18.0%	$918K+104.0%	$1.2M+3.8%	N/A	$863K-8.0%
Capital Expenditures	$3.1M+130.9%	$1.9M-26.4%	$717K+275.4%	$1.0M-49.3%	$1.3M-52.1%	$2.6M-26.2%	$191K-92.6%	$2.0M-31.5%
Free Cash Flow	$13.8M+625.8%	$12.7M-33.4%	$4.1M-77.6%	$11.3M+605.5%	-$2.6M-133.4%	$19.0M+199.6%	$18.4M+269.3%	-$2.2M-123.7%
Investing Cash Flow	$41.2M+97.4%	-$144.9M-104.0%	$818K+575.6%	-$96.0M-1038.3%	$20.9M-75.3%	-$71.0M+1.3%	-$172K-100.2%	-$8.4M-127.4%
Financing Cash Flow	-$74.0M-235.0%	-$17.6M+77.9%	$128.0M+27.1%	$124.1M+703.0%	-$22.1M+65.6%	-$79.6M+32.3%	$100.7M+175.2%	$15.5M-83.7%
Dividends Paid	$4.1M-0.8%	$4.1M-1.1%	$4.1M-1.5%	$4.1M-0.2%	$4.1M+0.9%	$4.2M+2.1%	$4.2M+3.1%	$4.1M+3.4%
Share Buybacks	$3.1M-48.0%	$2.9M-42.5%	$8.3M+133.1%	$6.7M+153.9%	$5.9M	$5.1M+381.6%	$3.5M+531.6%	$2.7M-6.5%

CASS Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CASS quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	18.4%+7.8pp	10.5%-6.4pp	17.0%-2.0pp	19.0%+0.4pp	18.6%+1.3pp	17.3%-2.0pp	19.3%-1.1pp	20.4%+1.9pp	18.5%-0.9pp	19.4%+0.3pp	19.1%-1.4pp	20.5%+0.1pp	20.4%-0.1pp	20.5%-0.7pp	21.2%
Return on Equity	14.4%+6.1pp	8.4%-4.7pp	13.1%-3.8pp	16.9%+5.3pp	11.6%+2.0pp	9.6%-2.8pp	12.4%-0.7pp	13.2%+2.1pp	11.1%-0.6pp	11.7%+0.6pp	11.1%-0.9pp	12.0%-0.3pp	12.3%-1.0pp	13.4%-0.9pp	14.3%
Return on Assets	1.4%+0.5pp	0.8%-0.4pp	1.2%-0.1pp	1.4%+0.2pp	1.1%0.0pp	1.1%-0.6pp	1.7%-0.1pp	1.8%+0.2pp	1.6%-0.1pp	1.6%0.0pp	1.6%0.0pp	1.6%-0.2pp	1.8%0.0pp	1.8%+0.1pp	1.7%
Debt-to-Equity	9.72+0.3x	9.46-0.3x	9.79-1.7x	11.47+2.1x	9.39+2.0x	7.44+1.2x	6.22-0.2x	6.380.0x	6.36+0.1x	6.23+0.2x	6.02-0.5x	6.49+0.5x	5.96-0.4x	6.40-0.8x	7.22
Asset Turnover	0.070.0x	0.080.0x	0.070.0x	0.070.0x	0.060.0x	0.070.0x	0.090.0x	0.090.0x	0.080.0x	0.080.0x	0.080.0x	0.080.0x	0.090.0x	0.090.0x	0.08
FCF Margin	16.6%-0.1pp	16.8%+2.6pp	14.1%-10.7pp	24.9%+5.3pp	19.6%-11.8pp	31.4%+6.4pp	25.0%-4.6pp	29.6%+3.9pp	25.7%+1.4pp	24.3%+1.3pp	23.0%-1.4pp	24.4%+3.5pp	20.8%-7.4pp	28.3%+6.5pp	21.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	21.0%+1.0pp	18.0%-1.0pp	16.6%+6.5pp	18.2%+11.9pp	19.9%+9.8pp	18.9%+3.1pp	10.1%-17.9pp	6.3%-8.7pp
Return on Equity	4.3%+0.6pp	3.6%-0.2pp	3.4%+1.4pp	3.7%+2.5pp	3.7%+1.7pp	3.8%+0.7pp	2.0%-1.7pp	1.2%-2.4pp
Return on Assets	0.4%0.0pp	0.4%0.0pp	0.3%+0.1pp	0.4%+0.2pp	0.4%+0.2pp	0.4%+0.1pp	0.2%-0.1pp	0.1%-0.2pp
Debt-to-Equity	9.28+0.7x	9.48+0.6x	9.72+0.3x	9.08+0.6x	8.62-0.3x	8.90-0.1x	9.46-0.3x	8.51-2.6x
Asset Turnover	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x
FCF Margin	27.4%+33.3pp	25.7%-14.4pp	8.4%-32.1pp	22.5%+27.3pp	-5.9%-23.7pp	40.1%+26.1pp	40.5%+23.9pp	-4.8%-23.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Cass Information Systems Inc CASS	FY2025	$191.1M	$35.1M	18.4%	$684.8M	—
BlackSky Technology Inc. BKSY	FY2025	$106.6M	$70K	0.1%	$807.0M	36/100
Transcat Inc TRNS	FY2026	$331.9M	$5.4M	1.6%	$813.7M	56/100
EASTMAN KODAK COMPANY KODK	FY2025	$1.1B	-$128.0M	-12.0%	$900.7M	59/100
Target Hospitality Corp. TH	FY2025	$320.6M	-$37.1M	-11.6%	$1.8B	38/100
Spire Global, Inc. SPIR	FY2025	$71.6M	$51.3M	71.7%	$373.2M	33/100

Where Cass Information Systems Inc Ranks

Frequently Asked Questions

What is Cass Information Systems Inc's annual revenue?

Cass Information Systems Inc (CASS) reported $191.1M in total revenue for fiscal year 2025. This represents a 5.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Cass Information Systems Inc's revenue growing?

Cass Information Systems Inc (CASS) revenue grew by 5.2% year-over-year, from $181.6M to $191.1M in fiscal year 2025.

Is Cass Information Systems Inc profitable?

Yes, Cass Information Systems Inc (CASS) reported a net income of $35.1M in fiscal year 2025, with a net profit margin of 18.4%.

What is Cass Information Systems Inc's net profit margin?

Cass Information Systems Inc (CASS) had a net profit margin of 18.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Cass Information Systems Inc pay dividends?

Yes, Cass Information Systems Inc (CASS) paid $1.25 per share in dividends during fiscal year 2025.

What is Cass Information Systems Inc's return on equity (ROE)?

Cass Information Systems Inc (CASS) has a return on equity of 14.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Cass Information Systems Inc's free cash flow?

Cass Information Systems Inc (CASS) generated $31.8M in free cash flow during fiscal year 2025. This represents a 4.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Cass Information Systems Inc's operating cash flow?

Cass Information Systems Inc (CASS) generated $37.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Cass Information Systems Inc's total assets?

Cass Information Systems Inc (CASS) had $2.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Cass Information Systems Inc's capital expenditures?

Cass Information Systems Inc (CASS) invested $5.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Cass Information Systems Inc buy back shares?

Yes, Cass Information Systems Inc (CASS) spent $26.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Cass Information Systems Inc have outstanding?

Cass Information Systems Inc (CASS) had 13M shares outstanding as of fiscal year 2025.

What is Cass Information Systems Inc's debt-to-equity ratio?

Cass Information Systems Inc (CASS) had a debt-to-equity ratio of 9.72 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Cass Information Systems Inc's return on assets (ROA)?

Cass Information Systems Inc (CASS) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Cass Information Systems Inc's P/E ratio?

Cass Information Systems Inc (CASS) trades at 18.7x earnings, its market capitalization divided by net income of $36.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $684.8M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Cass Information Systems Inc's price-to-sales ratio?

Cass Information Systems Inc (CASS) trades at 3.4x sales, its market capitalization divided by revenue of $199.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $684.8M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Cass Information Systems Inc's Piotroski F-Score?

Cass Information Systems Inc (CASS) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Cass Information Systems Inc's earnings high quality?

Cass Information Systems Inc (CASS) has an earnings quality ratio of 1.07x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.