Capitol Federal Financials
Capitol Federal (CFFN) reported $16.3M in revenue for fiscal year 2025, up 6.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Capitol Federal’s earnings model depends on very thin asset returns amplified by leverage, with cash management cushioning periodic profit swings.
From FY2023 to FY2025, net income moved from-$101.7M to$68.0M even though operating cash flow remained positive through the downturn. That mismatch suggests the loss year was driven more by balance-sheet and funding pressure than by a business that suddenly stopped producing cash.
In FY2025, return on assets was only
The dividend reset from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Capitol Federal's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Capitol Federal passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 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
Earnings & Revenue
Capitol Federal generated $16.3M in revenue in fiscal year 2025. This represents an increase of 6.5% 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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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 held $252.4M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Capitol Federal paid $0.34 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Margins & Returns
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
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.
Not reported for fiscal year 2025.
CFFN Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | $16.3M+6.5% | $15.3M-13.1% | $17.6M-2.8% | $18.1M+9.7% | $16.5M+11.5% | $14.8M-10.8% | $16.6M+6.2% | $15.6M+3.9% | $15.1M-95.0% | $301.1M+1.3% | $297.4M+2.5% | $290.2M-2.8% | $298.6M-9.0% | $328.1M-5.4% | $346.9M |
| SG&A Expenses | N/A | $60.4M+15.5% | $52.3M+1.5% | $51.5M-9.0% | $56.6M+1.1% | $56.0M+5.7% | $53.0M-0.3% | $53.1M+14.1% | $46.6M+7.2% | $43.4M+2.5% | $42.4M-2.1% | $43.3M-1.0% | $43.8M-11.0% | $49.2M+11.1% | $44.2M-1.5% | $44.9M |
| Interest Expense | N/A | $219.2M+2.1% | $214.8M+4.0% | $206.5M+137.5% | $86.9M+4.5% | $83.2M-28.1% | $115.6M-6.4% | $123.6M+0.4% | $123.1M+4.5% | $117.8M+8.1% | $108.9M+1.2% | $107.6M+1.4% | $106.1M-11.9% | $120.4M-15.9% | $143.2M-19.6% | $178.1M |
| Income Tax | N/A | $15.0M-6.8% | $16.1M+143.1% | -$37.3M-263.9% | $22.8M+14.1% | $19.9M+24.0% | $16.1M-39.1% | $26.4M+5.7% | $25.0M-42.9% | $43.8M+13.9% | $38.4M+2.0% | $37.7M+0.6% | $37.5M+3.4% | $36.2M-12.7% | $41.5M+118.9% | $18.9M |
| Net Income | N/A | $68.0M+79.0% | $38.0M+137.4% | -$101.7M-220.4% | $84.5M+11.0% | $76.1M+17.9% | $64.5M-31.5% | $94.2M-4.7% | $98.9M+17.6% | $84.1M+0.8% | $83.5M+6.9% | $78.1M+0.5% | $77.7M+12.0% | $69.3M-6.9% | $74.5M+94.0% | $38.4M |
| EPS (Diluted) | — | $0.52+79.3% | $0.29+138.2% | -$0.76-222.6% | $0.62+10.7% | $0.56+19.1% | $0.47-30.9% | $0.68-6.8% | $0.73+15.9% | $0.630.0% | $0.63+8.6% | $0.58+3.6% | $0.56+16.7% | $0.48+2.1% | $0.47+95.8% | $0.24 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CFFN Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $9.8B+2.6% | $9.5B-6.4% | $10.2B+5.7% | $9.6B-0.1% | $9.6B+1.5% | $9.5B+1.6% | $9.3B-1.2% | $9.4B+2.8% | $9.2B-0.8% | $9.3B-5.9% | $9.8B-0.2% | $9.9B+7.4% | $9.2B-2.0% | $9.4B-0.8% | $9.5B |
| Cash & Equivalents | $252.4M+16.2% | $217.3M-11.5% | $245.6M+399.3% | $49.2M+16.4% | $42.3M-77.2% | $185.1M-16.0% | $220.4M+58.5% | $139.1M-60.5% | $351.7M+24.8% | $281.8M-63.5% | $772.6M-4.7% | $810.8M+612.0% | $113.9M-19.6% | $141.7M+17.0% | $121.1M |
| Goodwill | $9.3M0.0% | $9.3M0.0% | $9.3M0.0% | $9.3M0.0% | $9.3M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $8.7B+2.8% | $8.5B-7.0% | $9.1B+7.1% | $8.5B+1.7% | $8.4B+2.3% | $8.2B+2.5% | $8.0B-0.7% | $8.1B+3.0% | $7.8B-0.6% | $7.9B-6.6% | $8.4B+0.7% | $8.4B+10.8% | $7.6B-0.2% | $7.6B+0.8% | $7.5B |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $2.8B-2.4% | $2.9B0.0% | $2.9B |
| Total Equity | $1.0B+1.5% | $1.0B-1.1% | $1.0B-4.8% | $1.1B-11.7% | $1.2B-3.3% | $1.3B-3.9% | $1.3B-4.0% | $1.4B+1.7% | $1.4B-1.8% | $1.4B-1.6% | $1.4B-5.1% | $1.5B-8.5% | $1.6B-9.7% | $1.8B-6.9% | $1.9B |
| Retained Earnings | -$87.3M+21.4% | -$111.1M-6.3% | -$104.6M-230.3% | $80.3M-18.9% | $98.9M-30.9% | $143.2M-17.9% | $174.3M-18.8% | $214.6M-8.6% | $234.6M-12.6% | $268.5M-9.5% | $296.7M-14.4% | $346.7M-19.8% | $432.2M-19.4% | $536.1M-5.8% | $569.1M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
CFFN Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $77.8M | $55.0M+76.5% | $31.2M-34.4% | $47.5M-51.2% | $97.3M+30.7% | $74.5M-19.9% | $92.9M+14.8% | $80.9M-34.8% | $124.2M+45.3% | $85.4M+0.6% | $85.0M-1.9% | $86.6M-5.6% | $91.8M-9.8% | $101.7M-4.3% | $106.2M+61.5% | $65.8M |
| Capital Expenditures | $6.3M | $5.2M-27.6% | $7.2M+14.4% | $6.3M+13.0% | $5.6M-40.9% | $9.4M-36.2% | $14.7M+25.7% | $11.7M-0.2% | $11.8M+28.8% | $9.1M-38.5% | $14.9M+23.6% | $12.0M+66.3% | $7.2M-61.5% | $18.8M+48.8% | $12.6M-1.1% | $12.8M |
| Free Cash Flow | $71.5M | $49.8M+107.7% | $24.0M-41.8% | $41.3M-55.0% | $91.7M+41.0% | $65.1M-16.8% | $78.2M+13.0% | $69.2M-38.4% | $112.4M+47.3% | $76.3M+8.9% | $70.1M-6.0% | $74.6M-11.8% | $84.6M+1.9% | $83.0M-11.4% | $93.6M+76.5% | $53.0M |
| Investing Cash Flow | -$2.8M | -$206.6M-132.8% | $629.1M+291.2% | -$329.1M-96.4% | -$167.6M+48.7% | -$326.7M-115.9% | -$151.3M-164.9% | $233.3M+1181.6% | -$21.6M-114.7% | $146.3M+47.0% | $99.5M | N/A | N/A | N/A | $76.8M+108.2% | -$933.3M |
| Financing Cash Flow | -$114.0M | $186.7M+127.1% | -$688.6M-244.1% | $478.0M+872.0% | $49.2M-40.6% | $82.8M+86.6% | $44.4M+122.2% | -$199.6M+36.7% | -$315.2M-94.8% | -$161.8M+76.0% | -$675.3M | N/A | N/A | N/A | -$162.5M-117.6% | $923.4M |
| Dividends Paid | $48.6M | $44.3M-0.6% | $44.5M-46.5% | $83.2M-19.4% | $103.1M-12.5% | $117.9M+25.6% | $93.9M-30.4% | $134.9M+14.0% | $118.3M+0.3% | $118.0M+5.5% | $111.8M-2.1% | $114.2M-17.4% | $138.2M-5.9% | $146.8M+130.2% | $63.8M-57.5% | $150.1M |
| Share Buybacks | $49.8M | $3.9M-80.0% | $19.4M-17.1% | $23.5M | $0-100.0% | $4.6M-78.0% | $20.8M | $0 | $0 | $0 | $0-100.0% | $50.0M-37.2% | $79.6M-13.0% | $91.6M-37.6% | $146.8M | N/A |
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CFFN Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 417.3% | 248.4% | -577.6% | 466.6% | 461.1% | 436.1% | 567.7% | 632.7% | 558.9% | 27.7%+1.5pp | 26.3%-0.5pp | 26.8%+3.5pp | 23.2%+0.5pp | 22.7%+11.6pp | 11.1% |
| Return on Equity | 6.5%+2.8pp | 3.7%+13.4pp | -9.7%-17.4pp | 7.7%+1.6pp | 6.1%+1.1pp | 5.0%-2.0pp | 7.0%-0.1pp | 7.1%+1.0pp | 6.2%+0.2pp | 6.0%+0.5pp | 5.5%+0.3pp | 5.2%+0.9pp | 4.3%+0.1pp | 4.1%+2.1pp | 2.0% |
| Return on Assets | 0.7%+0.3pp | 0.4%+1.4pp | -1.0%-1.9pp | 0.9%+0.1pp | 0.8%+0.1pp | 0.7%-0.3pp | 1.0%0.0pp | 1.1%+0.1pp | 0.9%0.0pp | 0.9%+0.1pp | 0.8%0.0pp | 0.8%0.0pp | 0.8%0.0pp | 0.8%+0.4pp | 0.4% |
| Debt-to-Equity | 8.33+0.1x | 8.23-0.5x | 8.75+1.0x | 7.78+1.0x | 6.75+0.4x | 6.38+0.4x | 5.99+0.2x | 5.79+0.1x | 5.72+0.1x | 5.65-0.3x | 5.95+0.3x | 5.61+3.9x | 1.74+0.1x | 1.61+0.1x | 1.50 |
| FCF Margin | 305.8% | 156.9% | 234.4% | 506.9% | 394.3% | 528.3% | 417.0% | 718.9% | 507.0% | 23.3%-1.8pp | 25.1%-4.0pp | 29.1%+1.4pp | 27.8%-0.8pp | 28.5%+13.2pp | 15.3% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Capitol Federal Ranks
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.
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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 50 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.