What is Cass Info Sys's earnings per share (EPS)?

Cass Info Sys (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 Info Sys Financials

CASS

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Cass Info Sys (CASS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Financial Health Signals

Financial Profile 38/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Cass Info Sys's revenue grew 5.3% year-over-year to $190.8M, a solid pace of expansion. This earns a growth score of 42/100.

Leverage

Cass Info Sys has elevated debt relative to equity (D/E of 9.72), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Cass Info Sys converts 16.7% of revenue into free cash flow ($31.8M). This strong cash generation earns a score of 67/100.

Returns

Cass Info Sys's ROE of 14.4% shows moderate profitability relative to equity, earning a score of 43/100. This is up from 8.4% the prior year.

Piotroski F-Score Neutral

5/9

Cass Info Sys passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.07x

For every $1 of reported earnings, Cass Info Sys 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

$190.8M

YoY+5.3%

5Y CAGR+5.6%

10Y CAGR+4.7%

Cass Info Sys generated $190.8M in revenue in fiscal year 2025. This represents an increase of 5.3% from the prior year.

EBITDA

N/A

Net Income

$35.1M

YoY+83.2%

5Y CAGR+6.9%

10Y CAGR+4.3%

Cass Info Sys reported $35.1M in net income in fiscal year 2025. This represents an increase of 83.2% from the prior year.

EPS (Diluted)

$2.61

YoY+87.8%

5Y CAGR+8.6%

10Y CAGR+3.7%

Cass Info Sys earned $2.61 per diluted share (EPS) in fiscal year 2025. This represents an increase of 87.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$31.8M

YoY+4.4%

5Y CAGR-7.0%

10Y CAGR+1.4%

Cass Info Sys generated $31.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 4.4% from the prior year.

Cash & Debt

$392.3M

YoY+12.2%

5Y CAGR-10.2%

10Y CAGR+4.5%

Cass Info Sys held $392.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.25

YoY+3.3%

5Y CAGR+3.0%

10Y CAGR+5.0%

Cass Info Sys paid $1.25 per share in dividends in fiscal year 2025. This represents an increase of 3.3% from the prior year.

Shares Outstanding

13M

YoY-4.3%

5Y CAGR-2.1%

Cass Info Sys had 13M shares outstanding in fiscal year 2025. This represents a decrease of 4.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

18.4%

YoY+7.8pp

5Y CAGR+1.0pp

10Y CAGR-0.7pp

Cass Info Sys's net profit margin was 18.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 7.8 percentage points from the prior year.

Return on Equity

14.4%

YoY+6.1pp

5Y CAGR+4.8pp

10Y CAGR+3.3pp

Cass Info Sys's ROE was 14.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 6.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$26.0M

YoY+258.6%

5Y CAGR+30.7%

10Y CAGR+9.0%

Cass Info Sys spent $26.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 258.6% from the prior year.

Capital Expenditures

$5.7M

YoY-33.5%

5Y CAGR+23.1%

10Y CAGR-0.1%

Cass Info Sys invested $5.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 33.5% from the prior year.

CASS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$190.8M+5.3%	$181.2M+2.4%	$177.0M-3.0%	$182.5M+18.4%	$154.1M+6.3%	$145.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$16.3M-19.4%	$20.3M+24.5%	$16.3M+367.1%	$3.5M+197.4%	$1.2M-50.4%	$2.4M
Income Tax	$7.6M+56.5%	$4.9M-25.7%	$6.6M-17.8%	$8.0M+53.3%	$5.2M+1.0%	$5.2M
Net Income	$35.1M+83.2%	$19.2M-36.2%	$30.1M-13.9%	$34.9M+22.0%	$28.6M+13.6%	$25.2M
EPS (Diluted)	$2.61+87.8%	$1.39-36.2%	$2.18-13.8%	$2.53+26.5%	$2.00+15.6%	$1.73

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$49.9M-0.3%	$50.1M+12.7%	$44.4M-4.3%	$46.4M+1.8%	$45.6M-2.0%	$46.5M+5.8%	$44.0M-2.5%	$45.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.9M-6.2%	$4.2M-0.3%	$4.2M+1.2%	$4.1M-10.8%	$4.6M-10.6%	$5.2M-2.9%	$5.3M+2.6%	$5.2M
Income Tax	$1.8M-25.1%	$2.4M+114.7%	$1.1M-51.9%	$2.3M+119.8%	$1.1M+43.8%	$736K-41.6%	$1.3M-31.3%	$1.8M
Net Income	$8.2M-10.1%	$9.1M+2.8%	$8.9M-1.2%	$9.0M+95.2%	$4.6M+56.4%	$2.9M-34.5%	$4.5M-37.3%	$7.2M
EPS (Diluted)	N/A	$0.68+3.0%	$0.660.0%	$0.66	N/A	$0.21-34.4%	$0.32-38.5%	$0.52

CASS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.6B+8.8%	$2.4B-3.4%	$2.5B-3.7%	$2.6B+0.7%	$2.6B+16.0%	$2.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$392.3M+12.2%	$349.7M-6.1%	$372.5M+85.4%	$200.9M-61.0%	$514.9M-23.2%	$670.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$16.2M-1.0%	$16.3M+32.7%	$12.3M-28.9%	$17.3M+21.4%	$14.3M0.0%	$14.3M
Total Liabilities	$2.4B+9.1%	$2.2B-3.7%	$2.2B-5.0%	$2.4B+2.5%	$2.3B+18.9%	$1.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$243.0M+6.1%	$229.0M-0.3%	$229.8M+11.4%	$206.3M-16.1%	$245.8M-5.9%	$261.2M
Retained Earnings	$167.1M+12.5%	$148.5M+1.9%	$145.8M+10.7%	$131.7M+17.3%	$112.2M+13.3%	$99.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$2.6B+6.2%	$2.5B+5.9%	$2.3B-0.1%	$2.3B-3.2%	$2.4B+5.9%	$2.3B-1.0%	$2.3B-0.5%	$2.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$392.3M+51.7%	$258.6M+18.5%	$218.2M-1.1%	$220.7M-36.9%	$349.7M+51.7%	$230.6M+3.1%	$223.7M+16.0%	$192.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$16.2M0.0%	$16.2M0.0%	$16.2M0.0%	$16.2M-1.0%	$16.3M-5.6%	$17.3M+40.8%	$12.3M0.0%	$12.3M
Total Liabilities	$2.4B+6.9%	$2.2B+6.5%	$2.1B-0.4%	$2.1B-3.8%	$2.2B+7.1%	$2.0B-1.4%	$2.1B-0.6%	$2.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$243.0M-0.2%	$243.4M+1.1%	$240.8M+2.8%	$234.2M+2.3%	$229.0M-3.6%	$237.6M+3.4%	$229.9M+0.2%	$229.5M
Retained Earnings	$167.1M+2.5%	$163.0M+3.2%	$158.0M+3.1%	$153.3M+3.2%	$148.5M+0.3%	$148.1M-0.8%	$149.2M+0.3%	$148.8M

CASS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$37.4M-3.9%	$38.9M+5.4%	$36.9M-28.4%	$51.6M+49.4%	$34.5M-27.7%	$47.8M
Capital Expenditures	$5.7M-33.5%	$8.5M-28.7%	$11.9M+103.5%	$5.9M+34.3%	$4.4M+118.3%	$2.0M
Free Cash Flow	$31.8M+4.4%	$30.4M+21.8%	$25.0M-45.3%	$45.7M+51.6%	$30.2M-34.1%	$45.8M
Investing Cash Flow	-$145.3M-3777.0%	$4.0M-98.6%	$284.7M+192.9%	-$306.4M+42.0%	-$528.5M-1103.9%	-$43.9M
Financing Cash Flow	$150.4M+329.1%	-$65.6M+56.3%	-$150.1M-153.5%	-$59.2M-117.5%	$338.4M-26.9%	$462.7M
Dividends Paid	$16.5M+0.3%	$16.5M+3.2%	$16.0M+3.3%	$15.4M0.0%	$15.4M-1.0%	$15.6M
Share Buybacks	$26.0M+258.6%	$7.2M+25.5%	$5.8M+8.9%	$5.3M-82.9%	$31.0M+354.2%	$6.8M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$4.8M-60.6%	$12.3M+1053.9%	-$1.3M-106.0%	$21.6M+15.8%	$18.6M+9509.1%	-$198K-101.9%	$10.7M+8.8%	$9.8M
Capital Expenditures	$717K-30.5%	$1.0M-23.0%	$1.3M-47.9%	$2.6M+1247.1%	$191K-90.6%	$2.0M-27.4%	$2.8M-19.7%	$3.5M
Free Cash Flow	$4.1M-63.4%	$11.3M+528.7%	-$2.6M-113.9%	$19.0M+3.0%	$18.4M+926.1%	-$2.2M-128.3%	$7.9M+24.4%	$6.3M
Investing Cash Flow	$818K+100.9%	-$96.0M-559.4%	$20.9M+129.4%	-$71.0M-41193.6%	-$172K+98.0%	-$8.4M-110.0%	$84.5M+217.4%	-$72.0M
Financing Cash Flow	$128.0M+3.1%	$124.1M+661.4%	-$22.1M+72.2%	-$79.6M-179.0%	$100.7M+551.6%	$15.5M+124.0%	-$64.3M+45.3%	-$117.5M
Dividends Paid	$4.1M+1.5%	$4.1M-1.3%	$4.1M-1.1%	$4.2M-0.6%	$4.2M+2.9%	$4.1M-0.3%	$4.1M+0.1%	$4.1M
Share Buybacks	$8.3M+22.7%	$6.7M+13.7%	$5.9M+16.6%	$5.1M+43.3%	$3.5M+33.6%	$2.7M	$0-100.0%	$1.1M

CASS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.4%+7.8pp	10.6%-6.4pp	17.0%-2.1pp	19.1%+0.6pp	18.6%+1.2pp	17.4%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.72+0.3	9.46-0.3	9.79-1.7	11.47+2.1	9.39+2.0	7.44
FCF Margin	16.7%-0.1pp	16.8%+2.7pp	14.1%-10.9pp	25.1%+5.5pp	19.6%-12.0pp	31.6%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	16.4%-1.8pp	18.2%-1.7pp	19.9%+0.6pp	19.3%+9.2pp	10.1%+3.8pp	6.3%-3.9pp	10.2%-5.7pp	15.9%
Return on Equity	3.4%-0.4pp	3.7%+0.1pp	3.7%-0.2pp	3.8%+1.8pp	2.0%+0.8pp	1.2%-0.7pp	1.9%-1.2pp	3.1%
Return on Assets	0.3%-0.1pp	0.4%0.0pp	0.4%0.0pp	0.4%+0.2pp	0.2%+0.1pp	0.1%-0.1pp	0.2%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.72+0.6	9.08+0.5	8.62-0.3	8.90-0.6	9.46+0.9	8.51-0.4	8.93-0.1	8.99
FCF Margin	8.3%-14.3pp	22.5%+28.5pp	-5.9%-46.9pp	40.9%+0.5pp	40.5%+45.3pp	-4.8%-22.7pp	17.9%+3.9pp	14.1%

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Frequently Asked Questions

What is Cass Info Sys's annual revenue?

Cass Info Sys (CASS) reported $190.8M in total revenue for fiscal year 2025. This represents a 5.3% 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 Info Sys's revenue growing?

Cass Info Sys (CASS) revenue grew by 5.3% year-over-year, from $181.2M to $190.8M in fiscal year 2025.

Is Cass Info Sys profitable?

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

What is Cass Info Sys's net profit margin?

Cass Info Sys (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 Info Sys pay dividends?

Yes, Cass Info Sys (CASS) paid $1.25 per share in dividends during fiscal year 2025.

What is Cass Info Sys's return on equity (ROE)?

Cass Info Sys (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 Info Sys's free cash flow?

Cass Info Sys (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 Info Sys's operating cash flow?

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

What are Cass Info Sys's total assets?

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

What are Cass Info Sys's capital expenditures?

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

Does Cass Info Sys buy back shares?

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

How many shares does Cass Info Sys have outstanding?

Cass Info Sys (CASS) had 13M shares outstanding as of fiscal year 2025.

What is Cass Info Sys's debt-to-equity ratio?

Cass Info Sys (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 Info Sys's return on assets (ROA)?

Cass Info Sys (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 Info Sys's Piotroski F-Score?

Cass Info Sys (CASS) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Cass Info Sys's earnings high quality?

Cass Info Sys (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.

How financially healthy is Cass Info Sys?

Cass Info Sys (CASS) scores 38 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.