Cass Information Systems, Inc. (FRA:CC3)

Cass Information Systems Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Revenue	106.91	131.85	130.47	124.98	109.69
Other Revenue	100.52	88.05	82.76	62.33	45.5
Revenue	207.42	219.89	213.23	187.31	155.19
Revenue Growth (YoY)	-5.67%	3.13%	13.84%	20.70%	4.77%
Cost of Revenue	110.41	123.84	118.14	107.82	92.03
Gross Profit	97.01	96.06	95.08	79.48	63.16
Selling, General & Admin	2.77	6.98	6.81	6.57	6.45
Amortization of Goodwill & Intangibles	1.17	0.74	0.78	0.68	0.86
Other Operating Expenses	28.94	27.71	26.73	19.19	14.12
Operating Expenses	40.79	51.58	41.46	33.1	28.17
Operating Income	56.22	44.48	53.62	46.38	34.99
Interest Expense	-16.33	-20.26	-16.27	-3.48	-1.17
EBT Excluding Unusual Items	39.89	24.22	37.36	42.9	33.82
Merger & Restructuring Charges	-1.13	-	-	-	-
Pretax Income	38.76	24.22	37.36	42.9	33.82
Income Tax Expense	7.65	5.05	7.3	8	5.22
Earnings From Continuing Operations	31.11	19.17	30.06	34.9	28.6
Earnings From Discontinued Operations	4	-	-	-	-
Net Income	35.12	19.17	30.06	34.9	28.6
Net Income to Common	35.12	19.17	30.06	34.9	28.6
Net Income Growth	83.20%	-36.23%	-13.88%	22.02%	13.62%
Shares Outstanding (Basic)	13	14	14	14	14
Shares Outstanding (Diluted)	13	14	14	14	14
Shares Change (YoY)	-2.28%	-0.28%	0.06%	-3.64%	-1.63%
EPS (Basic)	2.66	1.42	2.22	2.58	2.03
EPS (Diluted)	2.61	1.39	2.18	2.53	2.00
EPS Growth	87.58%	-36.24%	-13.83%	26.50%	15.61%
Free Cash Flow	-	29.62	22.61	45.74	30.18
Free Cash Flow Per Share	-	2.15	1.64	3.31	2.11
Dividend Per Share	1.250	1.210	1.170	1.130	1.090
Dividend Growth	3.31%	3.42%	3.54%	3.67%	0.93%
Gross Margin	46.77%	43.68%	44.59%	42.44%	40.70%
Operating Margin	27.10%	20.23%	25.15%	24.76%	22.55%
Profit Margin	16.93%	8.72%	14.10%	18.63%	18.43%
Free Cash Flow Margin	-	13.47%	10.61%	24.42%	19.45%
EBITDA	63.35	50.46	58.59	51.08	40.16
EBITDA Margin	30.54%	22.95%	27.48%	27.27%	25.88%
D&A For EBITDA	7.14	5.99	4.97	4.7	5.17
EBIT	56.22	44.48	53.62	46.38	34.99
EBIT Margin	27.10%	20.23%	25.15%	24.76%	22.55%
Effective Tax Rate	19.73%	20.86%	19.53%	18.64%	15.43%
Advertising Expenses	-	3.54	3.25	2.89	2.63

Source: S&P Global Market Intelligence. Standard template. Financial Sources.