Capitol Federal Financials
This page shows Capitol Federal (CFFN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Capitol Federal's revenue grew 6.5% year-over-year to $16.3M, a solid pace of expansion. This earns a growth score of 47/100.
Capitol Federal has elevated debt relative to equity (D/E of 8.33), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Capitol Federal converts 305.8% of revenue into free cash flow ($49.8M). This strong cash generation earns a score of 100/100.
Capitol Federal generates a 6.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is up from 3.7% the prior year.
Capitol Federal passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Capitol Federal generates $0.81 in operating cash flow ($55.0M OCF vs $68.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Capitol Federal generated $16.3M in revenue in fiscal year 2025. This represents an increase of 6.5% from the prior year.
Capitol Federal generated $49.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 107.7% from the prior year.
Capitol Federal reported $68.0M in net income in fiscal year 2025. This represents an increase of 79.0% from the prior year.
Capitol Federal earned $0.52 per diluted share (EPS) in fiscal year 2025. This represents an increase of 79.3% from the prior year.
Capitol Federal held $252.4M in cash against $0 in long-term debt as of fiscal year 2025.
Capitol Federal paid $0.34 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Capitol Federal had 132M shares outstanding in fiscal year 2025. This represents a decrease of 0.4% from the prior year.
Capitol Federal's net profit margin was 417.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 168.9 percentage points from the prior year.
Capitol Federal's ROE was 6.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.8 percentage points from the prior year.
Capitol Federal spent $3.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 80.0% from the prior year.
Capitol Federal invested $5.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 27.6% from the prior year.
CFFN Income Statement
| Metric | Q1'26 | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3K-100.0% | $106.0M+6.3% | $99.7M+1.5% | $98.2M+0.6% | $97.6M+2.8% | $95.0M+1.8% | $93.3M+1.7% | $91.7M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $55K-99.9% | $54.7M+0.8% | $54.2M-0.2% | $54.3M-1.9% | $55.4M+1.3% | $54.7M+5.2% | $52.0M-0.2% | $52.1M |
| Income Tax | $5K-99.9% | $4.9M+51.0% | $3.3M-15.6% | $3.9M+5.1% | $3.7M-38.5% | $6.0M+72.6% | $3.5M+827.4% | -$475K |
| Net Income | $20K-99.9% | $20.3M+10.5% | $18.4M+19.4% | $15.4M-0.2% | $15.4M+59.9% | $9.6M-29.9% | $13.8M+441.2% | $2.5M |
| EPS (Diluted) | $0.160.0% | $0.16+14.3% | $0.14+16.7% | $0.120.0% | $0.12+71.4% | $0.07-36.4% | $0.11+450.0% | $0.02 |
CFFN Balance Sheet
| Metric | Q1'26 | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $9.8M-99.9% | $9.8B+0.9% | $9.7B-0.3% | $9.7B+1.9% | $9.5B+0.1% | $9.5B-2.0% | $9.7B+1.5% | $9.6B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $233K-99.9% | $232.6M+33.0% | $175.0M-48.6% | $340.4M+99.8% | $170.3M-21.6% | $217.3M-51.0% | $443.5M+38.4% | $320.4M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | $9.3M | N/A | N/A | N/A | $9.3M | N/A | N/A |
| Total Liabilities | $8.7M-99.9% | $8.7B+1.0% | $8.6B-0.4% | $8.7B+2.0% | $8.5B+0.2% | $8.5B-2.3% | $8.7B+1.8% | $8.5B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $1.0M-99.9% | $1.0B-0.5% | $1.0B+0.9% | $1.0B+1.0% | $1.0B-0.5% | $1.0B+0.7% | $1.0B-0.9% | $1.0B |
| Retained Earnings | $78K+100.1% | -$78.0M+17.9% | -$95.1M+7.1% | -$102.4M+4.1% | -$106.7M+3.9% | -$111.1M-0.3% | -$110.7M+2.3% | -$113.4M |
CFFN Cash Flow Statement
| Metric | Q1'26 | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $17K-99.9% | $17.4M+40.6% | $12.4M-20.0% | $15.5M+176.5% | $5.6M+281.4% | -$3.1M-115.1% | $20.5M+484.4% | -$5.3M |
| Capital Expenditures | $2K-99.9% | $1.6M-2.1% | $1.6M+117.2% | $756K-34.4% | $1.2M-35.1% | $1.8M+20.7% | $1.5M+16.7% | $1.3M |
| Free Cash Flow | $16K-99.9% | $15.8M+47.1% | $10.8M-27.0% | $14.7M+231.0% | $4.5M+191.6% | -$4.9M-125.6% | $19.0M+388.6% | -$6.6M |
| Investing Cash Flow | $19K+100.1% | -$19.4M+85.9% | -$137.6M-1538.6% | -$8.4M+87.2% | -$65.8M-5265.0% | -$1.2M+71.0% | -$4.2M-100.6% | $678.5M |
| Financing Cash Flow | $18K+100.1% | -$17.9M+55.5% | -$40.2M-124.7% | $163.0M+1136.0% | $13.2M+113.7% | -$96.2M-190.0% | $106.9M+117.9% | -$598.4M |
| Dividends Paid | $11K-99.9% | $11.0M-0.4% | $11.1M0.0% | $11.1M0.0% | $11.1M+0.2% | $11.0M-0.8% | $11.1M-1.6% | $11.3M |
| Share Buybacks | $16K-99.9% | $16.0M | $0 | $0 | $0+100.0% | -$1K-100.0% | $7.5M-36.6% | $11.9M |
CFFN Financial Ratios
| Metric | Q1'26 | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 707.0%+687.8pp | 19.2%+0.7pp | 18.4%+2.7pp | 15.7%-0.1pp | 15.8%+5.6pp | 10.2%-4.6pp | 14.8%+12.0pp | 2.8% |
| Return on Equity | 1.9%0.0pp | 1.9%+0.2pp | 1.8%+0.3pp | 1.5%-0.0pp | 1.5%+0.5pp | 0.9%-0.4pp | 1.3%+1.1pp | 0.3% |
| Return on Assets | 0.2%0.0pp | 0.2%+0.0pp | 0.2%+0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.1%-0.0pp | 0.1%+0.1pp | 0.0% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.390.0 | 8.39+0.1 | 8.27-0.1 | 8.37+0.1 | 8.29+0.1 | 8.23-0.3 | 8.49+0.2 | 8.26 |
| FCF Margin | 551.4%+536.4pp | 14.9%+4.1pp | 10.8%-4.2pp | 15.0%+10.5pp | 4.6%-12.7pp | 17.3%-3.1pp | 20.4%+27.6pp | -7.2% |
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Frequently Asked Questions
What is Capitol Federal's annual revenue?
Capitol Federal (CFFN) reported $16.3M in total revenue for fiscal year 2025. This represents a 6.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Capitol Federal's revenue growing?
Capitol Federal (CFFN) revenue grew by 6.5% year-over-year, from $15.3M to $16.3M in fiscal year 2025.
Is Capitol Federal profitable?
Yes, Capitol Federal (CFFN) reported a net income of $68.0M in fiscal year 2025, with a net profit margin of 417.3%.
What is Capitol Federal's earnings per share (EPS)?
Capitol Federal (CFFN) reported diluted earnings per share of $0.52 for fiscal year 2025. This represents a 79.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Capitol Federal's net profit margin?
Capitol Federal (CFFN) had a net profit margin of 417.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Capitol Federal pay dividends?
Yes, Capitol Federal (CFFN) paid $0.34 per share in dividends during fiscal year 2025.
What is Capitol Federal's return on equity (ROE)?
Capitol Federal (CFFN) has a return on equity of 6.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Capitol Federal's free cash flow?
Capitol Federal (CFFN) generated $49.8M in free cash flow during fiscal year 2025. This represents a 107.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Capitol Federal's operating cash flow?
Capitol Federal (CFFN) generated $55.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Capitol Federal's total assets?
Capitol Federal (CFFN) had $9.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Capitol Federal's capital expenditures?
Capitol Federal (CFFN) invested $5.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Capitol Federal buy back shares?
Yes, Capitol Federal (CFFN) spent $3.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Capitol Federal have outstanding?
Capitol Federal (CFFN) had 132M shares outstanding as of fiscal year 2025.
What is Capitol Federal's debt-to-equity ratio?
Capitol Federal (CFFN) had a debt-to-equity ratio of 8.33 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Capitol Federal's return on assets (ROA)?
Capitol Federal (CFFN) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Capitol Federal's Piotroski F-Score?
Capitol Federal (CFFN) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Capitol Federal's earnings high quality?
Capitol Federal (CFFN) has an earnings quality ratio of 0.81x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Capitol Federal?
Capitol Federal (CFFN) scores 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.