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Cass Information Systems (CASS) Key Ratios

Stock Card factsheet share-fund-plan-icon

$53.53

up-down-arrow $-0.92 (-1.68%)

As on 28-Oct-2026 12:26EDT

Market cap

info icon

$702 Mln

Revenue (TTM)

info icon

$202 Mln

P/E Ratio

info icon

18.9

P/B Ratio

info icon

2.9

Div. Yield

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0.6 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 3.98 -2.83 -3.61 -1.30 5.82
EBIT -- -- 9.84 -0.30 3.04
Net Profit -0.12 16.12 21.13 7.27 6.93
EPS 0.09 19.31 25.09 9.17 9.05
Book Value -- -- 10.10 7.16 0.51
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-25Dec-24
EBIT-Margin info 16.2918.7118.8220.2811.01
Net Margin info ----18.94----
Return on equity info 12.3412.7516.3214.888.36
Return on Capital info 11.9410.11--14.518.08
Return on Assets info 1.131.191.151.400.79
Debt to Equity (x) info ----0.000.020.03

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
--
14.51
8.08
13.24
8.31
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

16.32

Higher than Peers by 2.65

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
16.32
14.88
8.36
13.78
15.44
Peer Median
13.67
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

1.15

Lower than Peers by 2.48

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
1.15
1.40
0.79
1.19
1.36
Peer Median
3.63
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

18.82

Higher than Peers by 8.30

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
18.82
20.28
11.01
17.57
22.90
Peer Median
10.52
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

18.94

Higher than Peers by 12.42

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
18.94
18.38
8.72
14.10
18.63
Peer Median
6.52
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
0.00
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-3.61

Lower than Peers by 11.60

Year on year growth in net sales

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
-3.61
-0.13
0.03
0.14
0.21
Peer Median
7.99
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

9.84

Lower than Peers by 2.02

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
9.84
60.03
-35.37
-12.65
26.84
Peer Median
11.86
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

21.13

Higher than Peers by 7.96

Year on year growth in profit after tax

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
21.13
83.20
-36.23
-13.88
22.02
Peer Median
13.17
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

25.09

Higher than Peers by 0.08

Year on year growth in earnings per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
25.09
0.90
-0.36
-0.14
0.24
Peer Median
25.01
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

-4.60

Lower than Peers by 14.71

Year on year growth in book value per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
-4.60
--
--
--
--
Peer Median
10.11
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
--
0.02
0.03
0.04
0.05
Peer Median
0.51
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
--
0.00
0.01
0.01
0.01
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

0.58

Lower than Peers by 0.94

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
0.58
1.10
0.80
0.76
0.72
Peer Median
1.51
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

0.58

Lower than Peers by 0.86

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
0.58
--
--
0.76
0.59
Peer Median
1.44
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

4.97

Lower than Peers by 0.12

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
4.97
2.37
24,220.00
323.03
12.32
Peer Median
5.09
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

130.34

Higher than Peers by 111.62

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
130.34
584.54
25.42
51.89
51.13
Peer Median
18.72
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.06

Lower than Peers by 0.64

Sales / Average Total Assets

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
0.06
0.08
0.09
0.08
0.07
Peer Median
0.70
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
--
1,120.94
138.33
176.80
98.25
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
--
--
0.00
2,077.15
11,504.77
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
--
29,714.36
12,471.03
14,973.52
30,021.66
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
--
--
-12,332.70
-12,719.57
-18,418.64
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

18.91

Lower than Peers by 6.51

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
18.91
15.63
29.28
20.61
18.13
Peer Median
25.42
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

2.89

Higher than Peers by 0.44

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
2.89
2.26
2.45
2.70
3.07
Peer Median
2.45
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

0.55

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
0.55
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

--

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
--
-13.27
-10.23
-8.75
-6.58
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

702

Higher than Peers by 391

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Cass Information Systems (CASS)
702
--
--
--
--
Peer Median
311
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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