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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Operating Revenue	130.16	131.85	130.47	124.98	109.69	100.44
Other Revenue	92.16	88.05	82.76	62.33	45.5	47.69
Revenue	222.32	219.89	213.23	187.31	155.19	148.13
Revenue Growth (YoY)	5.44%	3.13%	13.84%	20.70%	4.77%	-8.94%
Cost of Revenue	126.52	123.84	118.14	107.82	92.03	88.87
Gross Profit	95.8	96.06	95.08	79.48	63.16	59.26
Selling, General & Admin	7.09	6.98	6.81	6.57	6.45	5.92
Other Operating Expenses	27.29	27.71	26.73	19.19	14.12	13.2
Operating Expenses	44	51.58	41.46	33.1	28.17	26.55
Operating Income	51.8	44.48	53.62	46.38	34.99	32.7
Interest Expense	-17.04	-20.26	-16.27	-3.48	-1.17	-2.36
EBT Excluding Unusual Items	34.76	24.22	37.36	42.9	33.82	30.34
Pretax Income	34.76	24.22	37.36	42.9	33.82	30.34
Income Tax Expense	7.07	5.05	7.3	8	5.22	5.17
Net Income	31.52	19.17	30.06	34.9	28.6	25.18
Net Income to Common	31.52	19.17	30.06	34.9	28.6	25.18
Net Income Growth	37.14%	-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)	-1.25%	-0.28%	0.06%	-3.64%	-1.63%	-0.85%
EPS (Basic)	2.36	1.42	2.22	2.58	2.03	1.75
EPS (Diluted)	2.31	1.39	2.18	2.53	2.00	1.73
EPS Growth	38.64%	-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	0.310	1.210	1.170	1.130	1.090	1.080
Dividend Growth	-74.17%	3.42%	3.54%	3.67%	0.93%	2.86%
Gross Margin	43.09%	43.68%	44.59%	42.44%	40.70%	40.00%
Operating Margin	23.30%	20.23%	25.15%	24.76%	22.55%	22.08%
Profit Margin	14.18%	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	59.48	50.46	58.59	51.08	40.16	38.03
EBITDA Margin	26.76%	22.95%	27.48%	27.27%	25.88%	25.68%
D&A For EBITDA	7.68	5.99	4.97	4.7	5.17	5.33
EBIT	51.8	44.48	53.62	46.38	34.99	32.7
EBIT Margin	23.30%	20.23%	25.15%	24.76%	22.55%	22.08%
Effective Tax Rate	20.34%	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.