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Financials · CFFN

Capitol Federal Financial Inc. (CFFN) financials

For the twelve months ended Jun 30, 2026, Capitol Federal Financial Inc. reported $229.25M of revenue and $82.83M of net income.

Revenue, TTM
$229.25M
Revenue growth, YoY
+19.4%
Net income, TTM
$82.83M
Net income growth, YoY
+35.2%
Net margin
36.1%
Free cash flow, TTM
$71.53M
EPS, diluted, TTM
$0.65
EPS growth, YoY
+38.3%
Cash
$136.10M
Total debt
$1.64B
P/E
12.78
P/S
4.62
Market cap
$1.06B
Annual revenue$201.04M
FY2016FY2025
Annual net income$68.03M
FY2016FY2025
Annual free cash flow$49.84M
FY2016FY2025

CFFN revenue and earnings growth

CFFN revenueQ3 2026$60.15M

Quarter YoY
+18.5%
QoQ
+4.2%
FY YoY
+20.2%
5Y CAGR
-0.8%
10Y CAGR
-0.5%

CFFN revenue was $60.15M in fiscal Q3 2026 (ended Jun 30, 2026), up 18.5% from a year earlier and up 4.2% from the prior quarter. For the full fiscal 2025 it was $201.04M, up 20.2% from fiscal 2024. Compound annual growth was -0.8% over 5 years and -0.5% over 10 years. It rose in 7 of the last 10 fiscal years.

CFFN net incomeQ3 2026$23.57M

Quarter YoY
+28.2%
QoQ
+17.0%
FY YoY
+79.0%
5Y CAGR
+1.1%
10Y CAGR
-1.4%

CFFN net income was $23.57M in fiscal Q3 2026 (ended Jun 30, 2026), up 28.2% from a year earlier and up 17.0% from the prior quarter. For the full fiscal 2025 it was $68.03M, up 79.0% from fiscal 2024. Compound annual growth was +1.1% over 5 years and -1.4% over 10 years.

CFFN EPSQ3 2026$0.19

Quarter YoY
+35.7%
QoQ
+18.8%
FY YoY
+79.3%
5Y CAGR
+2.0%
10Y CAGR
-1.1%

CFFN diluted EPS was $0.19 in fiscal Q3 2026 (ended Jun 30, 2026), up 35.7% from a year earlier and up 18.8% from the prior quarter. For the full fiscal 2025 it was $0.52, up 79.3% from fiscal 2024. Compound annual growth was +2.0% over 5 years and -1.1% over 10 years.

CFFN free cash flowQ3 2026$15.68M

Quarter YoY
+45.7%
QoQ
-22.2%
FY YoY
+107.7%
5Y CAGR
-8.6%
10Y CAGR
-4.0%

CFFN free cash flow was $15.68M in fiscal Q3 2026 (ended Jun 30, 2026), up 45.7% from a year earlier and down 22.2% from the prior quarter. For the full fiscal 2025 it was $49.84M, up 107.7% from fiscal 2024. Compound annual growth was -8.6% over 5 years and -4.0% over 10 years. It rose in 5 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Revenue$201.04M$167.31M$17.60M$215.42M$203.09M$208.93M$228.35M$220.81M$217.58M$215.49M
Interest expense--$206.52M$86.95M$83.18M$115.64M$123.56M$123.12M$117.80M$108.93M
Pre-tax income$83.02M$54.10M-$138.96M$107.20M$96.03M$80.63M$120.65M$123.91M$127.92M$121.94M
Income tax$15.00M$16.09M-$37.30M$22.75M$19.95M$16.09M$26.41M$24.98M$43.78M$38.45M
Net income$68.03M$38.01M-$101.66M$84.45M$76.08M$64.54M$94.24M$98.93M$84.14M$83.49M
EPS, basic$0.52$0.29-$0.76$0.62$0.56$0.47$0.68$0.73$0.63$0.63
EPS, diluted$0.52$0.29-$0.76$0.62$0.56$0.47$0.68$0.73$0.63$0.63
Diluted shares130.0M130.7M133.6M135.7M135.5M137.9M137.7M134.8M134.2M133.2M

Balance sheet

Balance sheet
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Cash and equivalents$252.44M$217.31M$245.60M$49.19M$70.29M$239.71M$253.70M$139.06M$351.66M$281.76M
Goodwill$9.32M$9.32M$9.32M$9.32M$9.32M-----
Total assets$9.78B$9.53B$10.18B$9.62B$9.63B$9.49B$9.34B$9.45B$9.19B$9.27B
Total debt$1.95B$2.18B$2.88B$2.13B------
Total liabilities$8.73B$8.50B$9.13B$8.53B$8.39B$8.20B$8.00B$8.06B$7.82B$7.87B
Shareholders' equity$1.05B$1.03B$1.04B$1.10B$1.24B$1.28B$1.34B$1.39B$1.37B$1.39B

Cash flow

Cash flow
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Operating cash flow$55.04M$31.18M$47.53M$97.30M$74.47M$92.93M$80.95M$124.16M$85.44M$84.96M
Capital expenditures$5.20M$7.18M$6.28M$5.56M$9.41M$14.74M$11.73M$11.76M$9.13M$14.85M
Free cash flow$49.84M$24.00M$41.25M$91.74M$65.06M$78.19M$69.22M$112.40M$76.32M$70.10M
Investing cash flow-$206.59M$629.11M-$329.10M-$167.58M-$326.67M-$151.29M$233.26M-$21.57M$146.28M$99.49M
Financing cash flow$186.68M-$688.59M$477.98M$49.18M$82.78M$44.37M-$199.56M-$315.20M-$161.83M-$675.32M
Dividends paid$44.25M$44.52M$83.17M$103.13M$117.89M$93.86M$134.93M$118.31M$117.96M$111.77M
Share repurchases$3.89M$19.45M$23.45M$0$4.57M$20.77M$0$0$0$0
Stock-based compensation$400.0K$358.0K$327.0K$498.0K$496.0K$570.0K$552.0K$372.0K$506.0K$1.12M

Key ratios

Key ratios
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Revenue growth, YoY20.2%850.6%-91.8%6.1%-2.8%-8.5%3.4%1.5%1.0%2.2%
Net income growth, YoY79.0%--11.0%17.9%-31.5%-4.7%17.6%0.8%6.9%
EPS growth, YoY79.3%--10.7%19.1%-30.9%-6.8%15.9%0.0%8.6%
Net margin33.8%22.7%-577.6%39.2%37.5%30.9%41.3%44.8%38.7%38.7%
Free cash flow margin24.8%14.3%234.4%42.6%32.0%37.4%30.3%50.9%35.1%32.5%
Return on equity6.5%3.7%-9.7%7.7%6.1%5.0%7.1%7.1%6.1%6.0%
Return on assets0.7%0.4%-1.0%0.9%0.8%0.7%1.0%1.0%0.9%0.9%
Debt to equity1.862.112.761.94------

Source: XBRL data Capitol Federal Financial Inc. files with the SEC, latest filing dated Aug 7, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CFFN peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CFFN$229.25M+19.4%$82.83M36.1%$1.06B
HSBC$68.27B+3.7%$23.13B33.9%$298.91B
AX$1.55B+23.0%$507.67M32.7%$5.26B
EBC$1.19B+61.8%$381.02M32.1%$5.22B
TFSL$343.73M+10.5%$102.06M29.7%$4.61B
PFS$924.11M+8.6%$310.15M33.6%$3.16B
BKU$1.13B+5.4%$273.97M24.3%$3.14B
HTB$218.02M+3.4%$66.49M30.5%$743.0M

CFFN FAQ

8 questions
  • What is CFFN revenue?
    Capitol Federal Financial Inc. (CFFN) reported $229.25M of revenue for the twelve months ended Jun 30, 2026. That is up 19.4% from the year before. Revenue for fiscal 2025 was $201.04M.
  • Is CFFN profitable?
    Yes. Capitol Federal Financial Inc. earned $82.83M in net income for the twelve months ended Jun 30, 2026, a net margin of 36.1%.
  • How much cash and debt does CFFN have?
    Capitol Federal Financial Inc. reported $136.10M in cash and cash equivalents and $1.64B of debt on its most recent balance sheet in SEC filings.
  • How fast is CFFN revenue growing?
    Capitol Federal Financial Inc.'s revenue changed +20.2% in fiscal 2025, to $201.04M. Its compound annual growth rate was -0.8% over 5 years and -0.5% over 10 years.
  • What is CFFN free cash flow?
    Capitol Federal Financial Inc. generated $71.53M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $77.85M less capital expenditures.
  • What is CFFN earnings per share?
    Diluted earnings per share were $0.65 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CFFN last report financial results?
    The latest statements here come from Capitol Federal Financial Inc.'s 10-Q filed on Aug 7, 2026, covering the period ended Jun 30, 2026.
  • Where does this CFFN financial data come from?
    Quantisnow builds these statements from the structured XBRL data Capitol Federal Financial Inc. files with the SEC. It is provided for information only and is not investment advice.