Cass Information Systems, Inc. (FRA:CC3)

Cass Information Systems Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Operating Revenue	130.79	131.85	130.47	124.98	109.69	100.44
Other Revenue	89.05	88.05	82.76	62.33	45.5	47.69
Revenue	219.84	219.89	213.23	187.31	155.19	148.13
Revenue Growth (YoY)	2.79%	3.13%	13.84%	20.70%	4.77%	-8.94%
Cost of Revenue	126.15	123.84	118.14	107.82	92.03	88.87
Gross Profit	93.69	96.06	95.08	79.48	63.16	59.26
Selling, General & Admin	7.06	6.98	6.81	6.57	6.45	5.92
Other Operating Expenses	26.74	27.71	26.73	19.19	14.12	13.2
Operating Expenses	48.73	51.58	41.46	33.1	28.17	26.55
Operating Income	44.96	44.48	53.62	46.38	34.99	32.7
Interest Expense	-18.05	-20.26	-16.27	-3.48	-1.17	-2.36
EBT Excluding Unusual Items	26.91	24.22	37.36	42.9	33.82	30.34
Pretax Income	26.91	24.22	37.36	42.9	33.82	30.34
Income Tax Expense	5.4	5.05	7.3	8	5.22	5.17
Net Income	25.35	19.17	30.06	34.9	28.6	25.18
Net Income to Common	25.35	19.17	30.06	34.9	28.6	25.18
Net Income Growth	-7.61%	-36.23%	-13.88%	22.02%	13.62%	-17.20%
Shares Outstanding (Basic)	13	14	14	14	14	14
Shares Outstanding (Diluted)	14	14	14	14	14	15
Shares Change (YoY)	-0.89%	-0.28%	0.06%	-3.64%	-1.63%	-0.85%
EPS (Basic)	1.89	1.42	2.22	2.58	2.03	1.75
EPS (Diluted)	1.86	1.39	2.18	2.53	2.00	1.73
EPS Growth	-6.44%	-36.24%	-13.83%	26.50%	15.61%	-16.43%
Free Cash Flow	-	29.62	22.61	45.74	30.18	45.78
Free Cash Flow Per Share	-	2.15	1.64	3.31	2.11	3.14
Dividend Per Share	1.230	1.210	1.170	1.130	1.090	1.080
Dividend Growth	3.36%	3.42%	3.54%	3.67%	0.93%	2.86%
Gross Margin	42.62%	43.68%	44.59%	42.44%	40.70%	40.00%
Operating Margin	20.45%	20.23%	25.15%	24.76%	22.55%	22.08%
Profit Margin	11.53%	8.72%	14.10%	18.63%	18.43%	17.00%
Free Cash Flow Margin	-	13.47%	10.61%	24.42%	19.45%	30.91%
EBITDA	51.71	50.46	58.59	51.08	40.16	38.03
EBITDA Margin	23.52%	22.95%	27.48%	27.27%	25.88%	25.68%
D&A For EBITDA	6.75	5.99	4.97	4.7	5.17	5.33
EBIT	44.96	44.48	53.62	46.38	34.99	32.7
EBIT Margin	20.45%	20.23%	25.15%	24.76%	22.55%	22.08%
Effective Tax Rate	20.08%	20.86%	19.53%	18.64%	15.43%	17.02%
Advertising Expenses	-	3.54	3.25	2.89	2.63	2.18

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