Last 47 quarters of trend data · Industrials · Specialty Business Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Cass Information Systems, Inc.'s quarterly P/E stands at 16.7x, down 46.0% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 44.4% YoY to 4.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 18.97 | 16.74 | 14.46 | 16.46 | 16.38 | 30.99 | 49.38 | 32.31 | 23.61 | 18.46 | 17.25 | 18.64 | 21.23 |
| — | -46.0% | -70.7% | -49.1% | -30.6% | +67.9% | +186.3% | +73.3% | +11.2% | +8.0% | +27.3% | +36.8% | +38.0% | |
| P/S Ratio | 3.35 | 2.77 | 2.44 | 3.02 | 2.87 | 2.55 | 2.77 | 2.79 | 3.30 | 2.81 | 2.38 | 2.59 | 2.87 |
| — | +8.8% | -12.1% | +8.5% | -13.0% | -9.2% | +16.6% | +7.4% | +14.7% | -8.5% | -3.5% | -0.7% | -4.1% | |
| P/B Ratio | 2.74 | 2.26 | 2.16 | 2.44 | 2.52 | 2.45 | 2.41 | 2.41 | 2.89 | 2.70 | 2.49 | 2.50 | 2.76 |
| — | -7.8% | -10.0% | +1.3% | -12.9% | -9.1% | -3.4% | -3.5% | +4.8% | -12.1% | -0.3% | +10.1% | +17.5% | |
| P/FCF | 20.12 | 33.22 | 11.68 | — | 7.77 | 8.18 | — | 17.55 | 26.18 | 59.45 | 13.63 | 41.40 | 20.45 |
| — | +306.0% | — | — | -70.3% | -86.2% | — | -57.6% | +28.0% | +246.2% | +0.9% | +430.7% | +104.1% | |
| EV / EBITDA | 6.49 | 4.03 | 9.45 | 11.40 | 7.45 | 7.25 | 26.44 | 12.30 | 11.80 | 5.29 | 12.01 | 6.77 | 9.80 |
| — | -44.4% | -64.2% | -7.3% | -36.9% | +37.0% | +120.2% | +81.8% | +20.4% | -44.4% | +359.4% | -20.9% | +60.0% | |
| EV / EBIT | 6.49 | 4.03 | 10.87 | 14.89 | 8.61 | 9.49 | 36.55 | 15.18 | 13.47 | 5.97 | 13.62 | 7.74 | 11.03 |
| — | -57.5% | -70.3% | -1.9% | -36.1% | +59.1% | +168.4% | +96.2% | +22.1% | -38.3% | +318.6% | -28.2% | +40.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Cass Information Systems, Inc.'s operating margin was 20.2% in Q4 2025, down 1.3 pp QoQ and up 9.7 pp YoY. The trailing four-quarter average of 18.9% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 17.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 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% |
| — | +17.4% | +1.7% | -0.6% | +0.8% | -1.8% | -2.8% | -4.5% | -5.4% | -8.8% | -0.6% | +1.2% | +4.4% | |
| Operating Margin | 20.3% | 20.2% | 21.5% | 12.9% | 21.1% | 10.5% | 7.3% | 11.2% | 17.7% | 18.8% | 17.0% | 17.2% | 17.3% |
| — | +92.8% | +194.4% | +15.3% | +19.8% | -44.2% | -57.0% | -34.9% | +2.0% | -13.3% | -24.3% | -27.4% | -28.3% | |
| Net Margin | 18.4% | 16.5% | 16.9% | 18.2% | 17.4% | 8.3% | 5.7% | 9.0% | 14.2% | 15.2% | 13.7% | 13.8% | 13.6% |
| — | +98.3% | +195.7% | +102.0% | +22.8% | -45.2% | -58.4% | -34.5% | +4.2% | -15.4% | -24.5% | -28.1% | -29.8% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.9% | 3.4% | 3.8% | 3.7% | 3.9% | 2.0% | 1.3% | 2.0% | 3.1% | 3.9% | 3.5% | 3.3% | 3.4% |
| — | +71.0% | +199.3% | +91.0% | +24.3% | -49.0% | -64.2% | -40.8% | -7.3% | -17.3% | -20.8% | -18.6% | -5.9% | |
| ROA | 1.4% | 0.3% | 0.4% | 0.4% | 0.4% | 0.2% | 0.1% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +64.1% | +195.3% | +94.9% | +26.9% | -41.5% | -56.5% | -32.8% | +5.3% | -5.8% | -14.6% | -17.2% | -14.2% | |
| ROIC | — | 19.6% | 7.0% | 20.4% | 43.8% | 8.4% | 2.5% | 14.1% | 14.9% | 31.9% | 9.5% | — | 62.7% |
| — | +133.0% | +185.7% | +44.4% | +195.0% | -73.6% | -74.1% | — | -76.3% | -79.5% | -71.2% | — | +145.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Cass Information Systems, Inc.'s Debt/EBITDA ratio is 0.5x, down from 0.6x last quarter — comfortably within a safe range. The current ratio has improved 37.1% YoY to 1.10x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.02 | 0.02 | 0.04 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.04 | — | 0.04 | 0.04 | 0.04 |
| — | -42.8% | +8.3% | -41.7% | -40.0% | — | -23.5% | -17.1% | -15.8% | — | -16.8% | -11.1% | +104.4% | |
| Debt / EBITDA | 0.12 | 0.45 | 0.64 | 0.59 | 0.40 | 0.98 | 1.48 | 1.16 | 0.81 | — | 0.84 | 0.88 | 0.91 |
| — | -54.1% | -56.8% | -48.8% | -50.5% | — | +76.0% | +31.3% | -10.9% | — | +16.7% | +21.6% | +165.2% | |
| Current Ratio | 1.10 | 1.10 | 0.27 | 1.11 | 1.14 | 0.80 | 1.15 | 1.14 | 1.08 | 0.76 | 1.08 | 0.98 | 0.96 |
| — | +37.1% | -76.3% | -3.1% | +5.6% | +4.5% | +6.8% | +16.7% | +13.3% | +6.7% | +13.8% | +3.3% | +3.7% | |
| Quick Ratio | 1.10 | 1.10 | 0.27 | 1.11 | 1.14 | 0.80 | 1.15 | 1.14 | 1.08 | 0.76 | 1.08 | 0.98 | 0.96 |
| — | +37.1% | -76.3% | -3.1% | +5.6% | +4.5% | +6.8% | +16.7% | +13.3% | +6.7% | +13.8% | +3.3% | +3.7% | |
| Interest Coverage | — | — | — | — | — | — | 3765.00 | — | — | — | — | 207.23 | 123.92 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 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 19.0x. The average P/E over the last 4 quarters is 16.0x. 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 compressing 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.