Companies: 10,795·Total market cap: $144.5T
Cass Information Systems, Inc.

Cass Information Systems, Inc.

CASSNASDAQIndustrials● Active
$47.78
+$0.27(+0.56%)
Market Cap$614983499
P/E Ratio—
52W High$52.45
52W Low$36.07
Free Cash FlowFinancialsRevenue

Cass Information Systems, Inc. (CASS) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

CASS · free cash flow · updated Jun 8, 2026

Core FCF metrics

Free cash flow was $31.8M for FY2025 (fiscal year ending 2025-12-31), up 7.3% year-over-year The FCF margin was 16.6%. Five-year CAGR stands at -7.0%.

FY2025 Free Cash Flow$31.8M▲ +7.3% YoY
Trailing 12M (TTM)$25.4Mtrailing 4 quarters sum
FCF Margin16.6%$31.8M ÷ revenue
3-Year CAGR-11.4%FY2022 → FY2025
5-Year CAGR-7.0%FY2020 → FY2025
FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0
Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

Positive FCFNegative FCF
Free Cash Flow
YoY Growth %
cass free cash flow history · cass free cash flow chart · cass free cash flow growth rate · cass free cash flow last 10 years

Annual free cash flow data

Fiscal YearFree Cash FlowYoY ChangeFCF Margin
FY2025Latest$31.8M▲ +7.3%16.6%
FY2024$29.6M▲ +31.0%13.5%
FY2023$22.6M▼ 50.6%10.6%
FY2022$45.7M▲ +51.6%24.4%
FY2021$30.2M▼ 34.1%19.4%
FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP
cass free cash flow 2025 · cass free cash flow 2024 · cass free cash flow 2023 · cass operating cash flow

FCF valuation metrics

Cass Information Systems, Inc. (CASS) trades at a FCF yield of 4.14% and a price-to-free-cash-flow ratio of 24.8x. FCF per share stands at $1.93, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)
4.14%
Free Cash Flow ÷ Market Cap
per FMP freeCashFlowYieldTTM definition
FCF per Share (TTM)
$1.93
TTM FCF ÷ Shares Outstanding
Price / FCF
x24.8
Share Price ÷ FCF per Share
EV / FCF (TTM)
x20.2
Enterprise Value basis
Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31
cass price to free cash flow · cass free cash flow yield · cass free cash flow per share · cass price to cash flow ratio

Cash flow statement summary

For FY2025, Cass Information Systems, Inc. generated $37.4M in operating cash flow and spent 6M in capital expenditures, yielding $31.8M in free cash flow.

Operating Activities
+$37.4M
Cash from core business operations
2025-12-31
Investing Activities
−$145.3M
CapEx, acquisitions & investments
2025-12-31
Financing Activities
+$150.4M
Buybacks, dividends & debt
2025-12-31
FCF FormulaOperating CF ($37.4M) − |CapEx| (6M) = FCF ($31.8M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →
cass cash flow statement · cass cash flow statement 2025 · cass operating cash flow · cass cash flow from operations

Free cash flow vs peers (Industrials)

#CompanyFree Cash FlowYoY
#1
Cass Information Systems, Inc.
Cass Information Systems, Inc.YOU
CASS
$31.8M+7.3%
#2
Caterpillar Inc.
Caterpillar Inc.
CAT
$10.27B+16.5%#3
RTX Corporation
RTX Corporation
RTX
$7.94B+75.1%#4
GE Aerospace
GE Aerospace
GE
$7.26B+97.5%#5
The Boeing Company
The Boeing Company
BA
−$1.88B+87.0%#6
Space Exploration Technologies Corp.
Space Exploration Technologies Corp.
SPCX
−$13.95B-159.0%
Industrials · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Cass Information Systems, Inc. (CASS) reported free cash flow of $31.8M for FY2025 (fiscal year ending 2025-12-31), up 7.3% year-over-year. The FCF margin was 16.6%.

Based on available data, Cass Information Systems, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $45.8M in FY2020. The 5-year CAGR stands at -7.0%.

Cass Information Systems, Inc.'s FCF yield is 4.14% and price-to-FCF ratio is 24.8x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.
RevenueFinancial statementsNet incomeEarningsForecastPrice historyMarket capCash on handP/E ratio

Frequently asked questions

CASS free cash flow · 8 questions

Cass Information Systems, Inc. free cash flow was $31.8M for FY2025, up 7.3% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $25.4M.

CASS free cash flowCASS FCFCASS FCF 2025CASS free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Cass Information Systems, Inc. · Cass Information Systems, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026