Last 48 quarters of trend data · Financial Services · Payment Processors & Networks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 18.51 | 16.44 | 15.84 | 16.43 | 16.74 | 14.46 | 16.46 | 16.38 | 30.99 | 49.38 | 32.31 | 23.61 | 18.46 | 17.25 | 18.64 | 21.23 | 17.10 | 13.55 | 13.63 | 15.38 | 17.87 |
| — | +13.7% | -3.8% | +0.3% | -46.0% | -70.7% | -49.1% | -30.6% | +67.9% | +186.3% | +73.3% | +11.2% | +8.0% | +27.3% | +36.8% | +38.0% | -4.3% | -37.8% | -35.8% | -34.9% | -19.2% | |
| P/S Ratio | 3.46 | 3.31 | 3.32 | 2.95 | 2.77 | 2.44 | 3.02 | 2.87 | 2.55 | 2.77 | 2.79 | 3.30 | 2.81 | 2.38 | 2.59 | 2.87 | 3.07 | 2.47 | 2.61 | 3.00 | 3.36 |
| — | +35.6% | +9.9% | +3.0% | +8.8% | -12.1% | +8.5% | -13.0% | -9.2% | +16.6% | +7.4% | +14.7% | -8.5% | -3.5% | -0.7% | -4.1% | -8.8% | -35.1% | -32.7% | -34.3% | -10.7% | |
| P/B Ratio | 3.00 | 3.07 | 2.74 | 2.40 | 2.26 | 2.16 | 2.44 | 2.52 | 2.45 | 2.41 | 2.41 | 2.89 | 2.70 | 2.49 | 2.50 | 2.76 | 3.07 | 2.50 | 2.27 | 2.35 | 2.24 |
| — | +41.9% | +12.4% | -4.7% | -7.8% | -10.0% | +1.3% | -12.9% | -9.1% | -3.4% | -3.5% | +4.8% | -12.1% | -0.3% | +10.1% | +17.5% | +36.9% | +3.5% | +0.1% | -9.4% | +3.2% | |
| P/FCF | 20.95 | 65.24 | 12.12 | 11.46 | 33.22 | 11.68 | — | 7.77 | 8.18 | — | 17.55 | 26.18 | 59.45 | 13.63 | 41.40 | 20.45 | 17.17 | 13.51 | 7.80 | 10.02 | 62.71 |
| — | +458.7% | — | +47.6% | +306.0% | — | — | -70.3% | -86.2% | — | -57.6% | +28.0% | +246.2% | +0.9% | +430.7% | +104.1% | -72.6% | -26.6% | -78.5% | -5.8% | +228.5% | |
| EV / EBITDA | 5.91 | 8.49 | 8.69 | 9.53 | 3.40 | 5.02 | 11.26 | 7.35 | 7.00 | 16.39 | 12.01 | 11.60 | 5.29 | 12.01 | 6.77 | 9.80 | 9.51 | 2.61 | 8.56 | 6.12 | 1.01 |
| — | +69.0% | -22.8% | +29.7% | -51.4% | -69.4% | -6.3% | -36.7% | +32.3% | +36.5% | +77.5% | +18.4% | -44.4% | +359.4% | -20.9% | +60.0% | +844.0% | +13.8% | +1724.9% | +260.7% | +140.3% | |
| EV / EBIT | 7.99 | 8.49 | 9.91 | 8.14 | 4.03 | 5.78 | 14.70 | 8.49 | 9.17 | 22.66 | 14.82 | 13.24 | 5.97 | 13.62 | 7.74 | 11.03 | 9.68 | 3.25 | 10.77 | 7.86 | 1.03 |
| — | +47.0% | -32.6% | -4.1% | -56.0% | -74.5% | -0.8% | -35.9% | +53.7% | +66.4% | +91.6% | +20.0% | -38.3% | +318.6% | -28.2% | +40.4% | +837.2% | +1.4% | +1591.9% | +243.8% | +129.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 85.9% | 83.5% | 85.4% | 85.1% | 84.4% | 84.1% | 84.7% | 86.7% | 86.9% | 88.0% | 89.6% | 95.1% | 87.4% | 87.0% | 85.8% | 98.3% |
| — | +16.4% | +19.7% | +17.1% | +17.4% | +1.7% | -0.6% | +0.8% | -1.8% | -2.8% | -4.5% | -5.4% | -8.8% | -0.6% | +1.2% | +4.4% | -3.3% | +5.2% | +5.5% | +3.4% | +17.7% | |
| Operating Margin | 20.3% | 24.6% | 26.1% | 22.2% | 20.2% | 21.5% | 12.9% | 21.1% | 10.5% | 7.3% | 11.2% | 17.7% | 18.8% | 17.0% | 17.2% | 17.3% | 21.6% | 22.4% | 23.7% | 24.1% | 21.1% |
| — | +14.4% | +102.0% | +4.8% | +92.8% | +194.4% | +15.3% | +19.8% | -44.2% | -57.0% | -34.9% | +2.0% | -13.3% | -24.3% | -27.4% | -28.3% | +2.5% | +10.4% | +5.0% | +3.5% | +6.2% | |
| Net Margin | 18.4% | 20.1% | 21.0% | 18.0% | 16.5% | 16.9% | 18.2% | 17.4% | 8.3% | 5.7% | 9.0% | 14.2% | 15.2% | 13.7% | 13.8% | 13.6% | 18.0% | 18.1% | 19.2% | 19.4% | 18.8% |
| — | +19.5% | +15.1% | +3.2% | +98.3% | +195.7% | +102.0% | +22.8% | -45.2% | -58.4% | -34.5% | +4.2% | -15.4% | -24.5% | -28.1% | -29.8% | -4.3% | +4.7% | +4.0% | +1.1% | +10.5% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.9% | 4.5% | 4.4% | 3.6% | 3.4% | 3.8% | 3.7% | 3.9% | 2.0% | 1.3% | 2.0% | 3.1% | 3.9% | 3.5% | 3.3% | 3.4% | 4.7% | 4.4% | 4.1% | 3.6% | 3.1% |
| — | +19.5% | +16.8% | -5.9% | +71.0% | +199.3% | +91.0% | +24.3% | -49.0% | -64.2% | -40.8% | -7.3% | -17.3% | -20.8% | -18.6% | -5.9% | +49.4% | +65.4% | +50.0% | +31.4% | +24.8% | |
| ROA | 1.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.2% | 0.1% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.4% | 0.3% | 0.3% |
| — | +9.2% | +9.7% | -9.6% | +64.1% | +195.3% | +94.9% | +26.9% | -41.5% | -56.5% | -32.8% | +5.3% | -5.8% | -14.6% | -17.2% | -14.2% | +12.7% | +16.8% | +12.4% | +3.7% | +4.2% | |
| ROIC | — | 29.2% | 8.3% | 5.7% | — | 233.2% | 26.0% | 60.1% | — | 42.5% | 19.5% | 18.2% | 31.9% | 9.5% | — | 62.7% | 155.5% | 32.9% | 7.0% | 25.6% | — |
| — | -87.5% | -68.1% | -90.5% | — | +448.8% | +33.5% | +230.4% | — | +348.6% | — | -71.0% | -79.5% | -71.2% | — | +145.1% | — | — | — | — | — |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.02 | — | 0.33 | 0.60 | 0.02 | — | — | — | — | — | — | — | — | 0.04 | 0.04 | 0.04 | — | 0.05 | 0.05 | 0.02 | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | -16.8% | -11.1% | +104.4% | — | +140.3% | +125.8% | -6.9% | — | |
| Debt / EBITDA | 0.10 | — | 5.33 | 11.49 | 0.38 | — | — | — | — | — | — | — | — | 0.84 | 0.88 | 0.91 | — | 0.72 | 0.73 | 0.34 | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | +16.7% | +21.6% | +165.2% | — | +53.1% | +57.7% | -31.7% | — | |
| Current Ratio | 1.10 | 0.58 | — | 0.22 | 1.10 | — | — | — | — | — | — | — | 0.76 | 1.08 | 0.98 | 0.96 | 0.72 | 0.95 | 0.95 | 0.92 | 0.79 |
| — | — | — | — | — | — | — | — | — | — | — | — | +6.7% | +13.8% | +3.3% | +3.7% | -8.9% | -19.9% | -22.4% | -28.0% | -16.7% | |
| Quick Ratio | 1.10 | 0.58 | — | 0.22 | 1.10 | — | — | — | — | — | — | — | 0.76 | 1.08 | 0.98 | 0.96 | 0.72 | 0.95 | 0.95 | 0.92 | 0.79 |
| — | — | — | — | — | — | — | — | — | — | — | — | +6.7% | +13.8% | +3.3% | +3.7% | -8.9% | -19.9% | -22.4% | -28.0% | -16.7% | |
| Interest Coverage | — | — | — | 3.80 | — | — | — | — | — | 3765.00 | — | — | — | — | 207.23 | 123.92 | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CASS stock.
Cass Information Systems, Inc.'s current P/E is 18.5x. The average P/E over the last 4 quarters is 16.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Cass Information Systems, Inc.'s current operating margin is 20.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Cass Information Systems, Inc.'s business trajectory between earnings reports.