Cass Information Systems, Inc.

CASS

CASSCass Information Systems, Inc. US flag

NASDAQ Global Select

46.47

USD

- -

598.12MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	106	111	112	114	117	121	131	143	152	140	147	176	168	173	182
+ Sales & Services Revenue	106	111	112	114	117	121	131	143	152	140	147	176	168	173	182
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	61	68	71	71	76	78	83	92	98	90	95	109	107	112	113
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-61	-68	-71	-71	-76	-78	-83	-92	-98	-90	-95	-109	-107	-112	-113
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-32	-31	-31	-32	-31	-32	-35	-36	-37	-30	-34	-43	-34	-23	-39
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-32	-31	-31	-32	-31	-32	-35	-36	-37	-30	-34	-43	-34	-23	-39
Pretax Income	32	31	31	32	31	32	35	36	37	30	34	43	34	23	39
- Income Tax Expense (Benefit)	8	8	7	8	8	8	10	6	7	5	5	8	7	5	8
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	23	23	23	24	23	24	25	30	30	25	29	35	28	19	31
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2	-1	-4
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	1	4
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-4	-1	-8
Income (Loss) Incl. MI	23	23	23	24	23	24	25	30	30	25	29	35	30	19	35
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	23	23	23	24	23	24	25	30	30	25	29	35	30	19	35
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	23	23	23	24	23	24	25	30	30	25	29	35	30	19	35
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	5	7	7	8	9	9	11	11	5	5	5	5	5	6	7
EBITDA Margin (%)	4.27	6.22	6.54	7.16	7.56	7.81	8.67	7.84	3.15	3.81	3.53	2.67	2.77	3.31	3.97
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	21.69	20.96	20.93	21.02	19.69	20.17	19.11	21.11	20.01	17.99	19.51	19.84	17.9	11.09	19.34
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.42	0.49	0.56	0.62	0.65	0.68	0.73	0.9	1.06	1.08	1.1	1.14	1.18	1.22	1.25
Depreciation Expense	5	7	7	8	9	9	11	11	5	5	5	5	5	6	7
Basic Weighted Avg Shares	15	15	15	15	15	15	15	15	14	14	14	14	14	14	13
Basic EPS, GAAP	1.54	1.55	1.55	1.58	1.54	1.65	1.7	2.06	2.11	1.75	2.03	2.58	2.22	1.42	2.66
Basic EPS from Cont Ops	1.54	1.55	1.55	1.58	1.54	1.65	1.7	2.06	2.11	1.75	2.03	2.58	2.06	1.37	2.36
Diluted Weighted Avg Shares	15	15	15	15	15	15	15	15	15	15	14	14	14	14	13
Diluted EPS, GAAP	1.52	1.53	1.53	1.56	1.52	1.63	1.68	2.03	2.07	1.73	2	2.53	2.18	1.39	2.61
Diluted EPS from Cont Ops	1.52	1.53	1.53	1.56	1.52	1.63	1.68	2.03	2.07	1.73	2	2.53	2.02	1.35	2.31

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	447	469	489	568	561	539	640	636	613	1,028	1,188	955	1,000	878	399
+ Cash & Cash Equivalents	136	127	172	212	185	149	169	194	190	671	515	201	372	350	392
+ ST Investments	311	342	318	356	376	391	471	442	423	358	673	754	627	528	7
+ Accounts & Notes Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5	96	111	56	69
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5	96	111	56	69
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-447	-469	-489	-568	-561	-539	-640	-636	-613	-1,028	-1,193	-1,051	-1,110	-934	-468
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	10	11	13	17	20	21	22	22	21	18	18	20	30	31	29
+ Property, Plant & Equip	31	33	38	39	44	48	52	57	52	54	59	64	79	83	84
- Accumulated Depreciation	21	23	25	22	24	27	31	35	32	36	40	44	49	52	55
+ LT Investments & Receivables	311	342	318	356	376	391	471	442	423	358	673	754	627	528	771
+ LT Investments	311	342	318	356	376	391	471	442	423	358	673	754	627	528	771
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-320	-353	-331	-373	-395	-412	-492	-464	-443	-376	-692	-774	-657	-559	-800
+ Total Intangible Assets	8	15	15	14	14	14	15	14	19	18	17	21	21	21	20
+ Goodwill	7	12	12	12	12	12	13	13	14	14	14	17	17	16	16
+ Other Intangible Assets	- -	4	3	3	2	2	2	2	4	3	3	4	3	5	4
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-328	-368	-346	-387	-409	-425	-507	-478	-462	-393	-708	-796	-678	-580	-820
Total Assets	1,319	1,287	1,326	1,501	1,456	1,505	1,657	1,695	1,764	2,203	2,555	2,573	2,479	2,395	2,606
+ Payables & Accruals	595	523	544	655	577	642	716	694	684	835	1,050	1,068	1,071	1,130	1,125
+ Accounts Payable	595	523	544	655	577	642	716	694	684	835	1,050	1,068	1,071	1,130	1,125
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	18	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	18	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-595	-523	-544	-655	-577	-642	-716	-694	-702	-835	-1,050	-1,068	-1,071	-1,130	-1,125
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-595	-523	-544	-655	-577	-642	-716	-694	-702	-835	-1,050	-1,068	-1,071	-1,130	-1,125
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,159	1,113	1,136	1,300	1,248	1,297	1,432	1,465	1,520	1,942	2,309	2,367	2,249	2,166	2,363
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	86	131	131	132	132	134	211	214	213	213	212	215	216	213	215
+ Common Stock	5	6	6	6	6	6	7	8	8	8	8	8	8	8	8
+ Additional Paid in Capital	81	125	125	126	126	128	205	206	205	205	204	207	208	206	207
- Treasury Stock	13	12	11	13	22	30	32	40	45	51	79	81	84	88	112
+ Retained Earnings	90	61	76	91	104	118	59	75	90	99	112	132	146	148	167
+ Other Equity	-3	-6	-6	-10	-7	-15	-13	-19	-14	- -	- -	-59	-47	-45	-27
Equity Before Minority Interest	161	174	190	200	207	208	225	230	244	261	246	206	230	229	243
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	161	174	190	200	207	208	225	230	244	261	246	206	230	229	243
Total Liabilities & Equity	1,319	1,287	1,326	1,501	1,456	1,505	1,657	1,695	1,764	2,203	2,555	2,573	2,479	2,395	2,606
Shares Outstanding	15	15	15	15	15	15	15	15	15	14	14	14	14	14	13
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-136	-127	-172	-212	-185	-149	-169	-194	-172	-671	-515	-201	-372	-350	-392
Net Debt to Equity	-84.79	-73.19	-90.11	-105.91	-89.41	-71.46	-75.29	-84.54	-70.64	-256.75	-209.49	-97.39	-162.08	-152.7	-161.43
Tangible Common Equity Ratio	11.66	12.47	13.39	12.52	13.42	13.04	12.82	12.83	12.93	11.14	9.02	7.25	8.51	8.75	8.63
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	23	23	23	24	23	24	25	30	30	25	29	35	28	19	31
+ Depreciation & Amortization	5	7	7	8	9	9	11	11	5	5	5	5	5	6	7
+ Non-Cash Items	5	6	-4	- -	-2	1	2	-6	10	11	3	12	8	16	-3
+ Stock-Based Compensation	1	1	2	2	2	2	2	3	3	2	3	7	4	3	4
+ Deferred Income Taxes	2	1	- -	-1	- -	- -	4	-4	1	-1	-1	-1	- -	-1	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	2	4	-6	-1	-4	-1	-4	-6	5	9	1	7	4	14	-8
+ Chg in Non-Cash Work Cap	-7	-1	2	2	4	- -	- -	13	-3	6	-2	- -	-5	-4	4
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	-1	-4	-5	5	1	1	-1	-3	-3	-4	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	1	-1	- -	- -	- -	-3	4	-2	1	- -	1	-2	- -	4
+ Inc (Dec) in Other	-7	-2	3	2	5	4	8	5	-2	4	-2	2	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	2	-1
Cash from Operating Activities	26	35	29	35	33	35	39	48	42	48	35	52	37	39	37
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	-3	-5	-6	-6	-5	-4	-4	-3	-2	-4	-6	-12	-9	-6
+ Acq of Fixed Prod Assets	-2	-3	-5	-6	-6	-5	-4	-4	-3	-2	-4	-6	-12	-9	-6
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	-2	-11	-9	-2	-9	-8	-7	-31	-5	-6	-7	-26
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	-2	-11	-9	-2	-9	-8	-7	-31	-5	-6	-7	-26
+ Net Change in LT Investment	-37	-33	10	-35	-23	-31	-81	15	26	66	-334	-167	135	94	-222
+ Dec in LT Investment	24	82	114	19	138	65	44	97	26	86	161	65	151	213	213
+ Inc in LT Investment	-62	-115	-104	-54	-161	-96	-125	-82	- -	-20	-494	-232	-15	-120	-435
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	-3	- -	- -	- -	- -	- -	18
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	-3	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	8	-29	20	-60	26	-6	-55	-57	-96	-108	-191	-133	161	-81	65
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2	-1	- -
Cash from Investing Activities	-31	-65	25	-101	-4	-42	-140	-47	-76	-44	-529	-306	285	4	-145
+ Dividends Paid	-6	-7	-9	-9	-10	-10	-11	-13	-15	-16	-15	-15	-16	-16	-17
+ Net Cash From Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash From Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Repayments of Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Financing Activities	109	-58	39	146	-50	39	75	23	30	485	385	-38	-128	-42	193
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	102	-65	30	135	-71	20	62	1	7	463	338	-59	-150	-66	150
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	97	-95	84	69	-41	14	-39	3	-27	467	-156	-314	172	-23	43
EBITDA	5	7	7	8	9	9	11	11	5	5	5	5	5	6	7
EBITDA Margin (%)	4.27	6.22	6.54	7.16	7.56	7.81	8.67	7.84	3.15	3.81	3.53	2.67	2.77	3.31	3.97
Free Cash Flow	24	32	24	29	28	31	35	44	39	46	30	46	25	30	32
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	3	- -	- -	- -	- -	- -	-18
Free Cash Flow to Firm	24	32	24	29	28	31	35	44	39	46	30	46	25	30	32
Free Cash Flow to Equity	24	32	24	29	28	31	35	44	39	46	30	46	25	30	32
Free Cash Flow per Basic Share	1.58	2.15	1.59	1.88	1.85	2.07	2.36	2.99	2.73	3.18	2.14	3.38	1.85	2.25	2.41
Price/Free Cash Flow	13.74	12.67	23.22	15.1	15.12	20.86	16.84	14.96	18.91	11.37	14.45	11.01	12.73	11.88	12.97
Cash Flow to Net Income	1.11	1.52	1.23	1.45	1.45	1.45	1.55	1.6	1.39	1.9	1.21	1.48	1.23	2.03	1.07
Capital Expenditures	-2	-3	-5	-6	-6	-5	-4	-4	-3	-2	-4	-6	-12	-9	-6