Capitol Federal Financial (CFFN) Financials

$5.79 +0.06 (+1.05%)

Closing price 05/2/2025 04:00 PM Eastern

Extended Trading

$5.65 -0.14 (-2.42%)

As of 05/2/2025 04:07 PM Eastern

Annual Income Statements for Capitol Federal Financial

This table shows Capitol Federal Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Period end date	9/30/2022	9/30/2023	9/30/2024
Net Income / (Loss) Attributable to Common Shareholders	84	-102	38
Consolidated Net Income / (Loss)	84	-102	38
Net Income / (Loss) Continuing Operations	84	-102	38
Total Pre-Tax Income	107	-139	54
Total Revenue	215	-18	167
Net Interest Income / (Expense)	193	153	162
Total Interest Income	280	360	377
Loans and Leases Interest Income	229	280	309
Investment Securities Interest Income	33	36	52
Deposits and Money Market Investments Interest Income	18	44	16
Total Interest Expense	87	207	215
Deposits Interest Expense	34	82	140
Long-Term Debt Interest Expense	52	124	75
Total Non-Interest Income	23	-171	5.24
Other Service Charges	6.09	4.94	4.77
Net Realized & Unrealized Capital Gains on Investments	0.00	-193	-13
Other Non-Interest Income	17	16	14
Provision for Credit Losses	-4.63	6.84	1.26
Total Non-Interest Expense	113	114	112
Salaries and Employee Benefits	57	51	52
Net Occupancy & Equipment Expense	33	38	34
Marketing Expense	5.18	4.31	4.26
Property & Liability Insurance Claims	3.02	4.46	6.05
Other Operating Expenses	15	16	15
Income Tax Expense	23	-37	16
Basic Earnings per Share	$0.62	($0.76)	$0.29
Weighted Average Basic Shares Outstanding	137.49M	135.24M	132.77M
Diluted Earnings per Share	$0.62	($0.76)	$0.29
Weighted Average Diluted Shares Outstanding	137.49M	135.24M	132.77M
Weighted Average Basic & Diluted Shares Outstanding	137.49M	135.24M	132.77M
Cash Dividends to Common per Share	$0.76	$0.62	$0.34

This table shows Capitol Federal Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	6/30/2022	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	21	19	16	14	8.30	-140	2.54	14	9.65	12	15
Consolidated Net Income / (Loss)	21	19	16	14	8.30	-140	2.54	14	9.65	12	15
Net Income / (Loss) Continuing Operations	21	19	16	14	8.30	-140	2.54	14	9.65	12	15
Total Pre-Tax Income	27	25	20	18	9.90	-186	2.07	17	16	19	19
Total Revenue	56	56	51	47	41	-157	31	46	45	46	47
Net Interest Income / (Expense)	50	50	46	42	35	31	40	41	40	41	42
Total Interest Income	69	83	91	90	91	88	92	93	95	97	98
Loans and Leases Interest Income	57	60	65	69	72	74	76	76	77	80	81
Investment Securities Interest Income	8.56	9.62	9.85	9.25	8.72	8.09	11	13	14	14	14
Deposits and Money Market Investments Interest Income	3.97	13	17	11	10	6.14	4.78	4.51	3.88	2.56	1.87
Total Interest Expense	19	34	46	48	56	58	52	52	55	56	55
Deposits Interest Expense	7.79	9.01	34	16	24	8.07	32	33	36	37	37
Long-Term Debt Interest Expense	12	25	12	31	31	49	20	19	18	19	18
Total Non-Interest Income	6.12	5.79	5.35	5.08	5.81	-188	-8.89	4.64	4.71	4.79	4.69
Other Service Charges	1.73	1.42	1.10	1.08	1.52	1.23	1.01	1.46	1.10	1.20	1.21
Net Realized & Unrealized Capital Gains on Investments	-	-	0.00	0.00	0.00	-193	-13	0.00	0.00	-	0.00
Other Non-Interest Income	4.39	4.37	4.26	4.00	4.29	3.69	3.44	3.19	3.61	3.58	3.48
Provision for Credit Losses	0.94	1.06	3.66	0.89	1.32	0.96	0.12	0.30	1.47	-0.64	0.68
Total Non-Interest Expense	28	30	28	29	29	28	29	28	28	27	27
Salaries and Employee Benefits	15	14	14	13	13	12	13	13	13	13	14
Net Occupancy & Equipment Expense	8.06	8.82	8.54	9.36	9.67	10	8.74	8.44	8.63	8.08	7.88
Marketing Expense	1.07	1.55	0.83	1.33	1.45	0.69	0.99	1.27	0.95	1.05	0.82
Property & Liability Insurance Claims	0.78	0.82	0.81	1.25	1.23	1.17	1.86	1.73	1.35	1.11	1.04
Other Operating Expenses	3.89	4.35	3.89	3.91	3.78	4.45	3.93	4.13	3.71	3.71	3.17
Income Tax Expense	5.62	5.33	3.51	3.33	1.60	-46	-0.48	3.46	5.96	7.15	3.67
Basic Earnings per Share	$0.16	$0.14	$0.12	$0.11	$0.06	($1.05)	$0.02	$0.11	$0.07	$0.09	$0.12
Weighted Average Basic Shares Outstanding	135.72M	137.49M	134.64M	133.15M	133.20M	135.24M	132.35M	130.54M	129.87M	132.77M	129.97M
Diluted Earnings per Share	$0.16	$0.14	$0.12	$0.11	$0.06	($1.05)	$0.02	$0.11	$0.07	$0.09	$0.12
Weighted Average Diluted Shares Outstanding	135.72M	137.49M	134.64M	133.15M	133.20M	135.24M	132.35M	130.54M	129.87M	132.77M	129.97M
Weighted Average Basic & Diluted Shares Outstanding	138.86M	137.49M	136.14M	136.16M	136.19M	135.24M	133.73M	132.73M	132.74M	132.77M	132.79M
Cash Dividends to Common per Share	$0.29	$0.09	$0.37	$0.09	$0.09	$0.08	$0.09	$0.09	$0.09	$0.08	$0.09

This table details how cash moves in and out of Capitol Federal Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Period end date	9/30/2022	9/30/2023	9/30/2024
Net Change in Cash & Equivalents	-21	196	-28
Net Cash From Operating Activities	97	48	31
Net Cash From Continuing Operating Activities	97	48	31
Net Income / (Loss) Continuing Operations	84	-102	38
Consolidated Net Income / (Loss)	84	-102	38
Provision For Loan Losses	-4.63	6.84	1.26
Depreciation Expense	9.37	9.04	7.93
Amortization Expense	8.14	5.73	-5.88
Non-Cash Adjustments to Reconcile Net Income	-5.72	135	-3.67
Changes in Operating Assets and Liabilities, net	5.69	-7.21	-6.47
Net Cash From Investing Activities	-168	-329	629
Net Cash From Continuing Investing Activities	-168	-329	629
Purchase of Property, Leasehold Improvements and Equipment	-5.56	-6.28	-7.18
Purchase of Investment Securities	-789	-875	-1,113
Sale and/or Maturity of Investments	627	552	1,749
Net Cash From Financing Activities	49	478	-689
Net Cash From Continuing Financing Activities	49	478	-689
Net Change in Deposits	-403	-144	79
Issuance of Debt	1,454	4,294	350
Repayment of Debt	-907	-3,549	-1,052
Repurchase of Common Equity	0.00	-23	-19
Payment of Dividends	-103	-83	-45
Other Financing Activities, Net	7.34	-17	-1.19
Cash Interest Paid	84	189	225
Cash Income Taxes Paid	14	5.42	6.02

This table details how cash moves in and out of Capitol Federal Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	6/30/2022	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Change in Cash & Equivalents	-118	-5.60	0.49	11	269	-84	75	123	-126	-101	-47
Net Cash From Operating Activities	27	34	15	10	9.33	13	-5.33	21	19	-3.09	5.61
Net Cash From Continuing Operating Activities	27	34	15	10	9.33	13	-5.33	21	19	-3.09	5.61
Net Income / (Loss) Continuing Operations	21	19	16	14	8.30	-140	2.54	14	9.65	12	15
Consolidated Net Income / (Loss)	21	19	16	14	8.30	-140	2.54	14	9.65	12	15
Provision For Loan Losses	0.94	1.06	3.66	0.89	1.32	0.96	0.12	0.30	1.47	-0.64	0.68
Depreciation Expense	2.34	2.35	2.30	2.28	2.24	2.22	2.04	2.04	2.01	1.85	1.85
Amortization Expense	1.84	1.72	1.57	1.42	1.39	1.35	-2.19	-2.41	-1.00	-0.28	-0.35
Non-Cash Adjustments to Reconcile Net Income	-2.16	-1.31	-3.73	-3.20	-2.93	145	4.25	4.63	-2.16	-10	0.56
Changes in Operating Assets and Liabilities, net	2.78	11	-5.44	-5.45	-0.99	4.68	-12	2.19	9.14	-5.69	-13
Net Cash From Investing Activities	-97	-179	-291	-133	53	42	678	-4.22	-44	-1.23	-66
Net Cash From Continuing Investing Activities	-97	-179	-291	-133	53	42	678	-4.22	-44	-1.23	-66
Purchase of Property, Leasehold Improvements and Equipment	-1.97	-1.07	-1.09	-1.18	-2.13	-1.88	-1.26	-1.47	-2.68	-1.78	-1.15
Purchase of Investment Securities	-260	-353	-437	-300	-42	-96	-645	-214	-165	-88	-119
Sale and/or Maturity of Investments	166	176	147	168	97	140	1,325	211	124	89	55
Net Cash From Financing Activities	-48	139	277	134	207	-140	-598	107	-101	-96	13
Net Cash From Continuing Financing Activities	-48	139	277	134	207	-140	-598	107	-101	-96	13
Net Change in Deposits	-285	-135	-120	70	-52	-42	-30	120	-12	0.32	76
Issuance of Debt	286	375	2,000	1,092	1,202	-	175	50	50	75	200
Repayment of Debt	-	-113	-1,488	-1,041	-913	-107	-683	-72	-110	-187	-216
Repurchase of Common Equity	-	-	-22	-	-	-1.26	-12	-7.55	-	0.00	0.00
Payment of Dividends	-39	-12	-49	-11	-11	-11	-11	-11	-11	-11	-11
Other Financing Activities, Net	-9.95	24	-44	24	-19	22	-38	28	-18	27	-36

This table presents Capitol Federal Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Period end date	9/30/2022	9/30/2023	9/30/2024
Total Assets	9,625	10,177	9,528
Cash and Due from Banks	49	246	217
Trading Account Securities	1,563	1,384	856
Loans and Leases, Net of Allowance	0.00	0.00	0.00
Premises and Equipment, Net	95	92	91
Other Assets	7,918	8,456	8,363
Total Liabilities & Shareholders' Equity	9,625	10,177	9,528
Total Liabilities	8,528	9,133	8,495
Non-Interest Bearing Deposits	6,195	6,051	6,130
Interest Bearing Deposits	80	63	62
Long-Term Debt	2,132	2,879	2,180
Other Long-Term Liabilities	121	140	124
Total Equity & Noncontrolling Interests	1,096	1,044	1,032
Total Preferred & Common Equity	1,096	1,044	1,032
Preferred Stock	0.00	0.00	0.00
Total Common Equity	1,096	1,044	1,032
Common Stock	1,192	1,168	1,148
Retained Earnings	80	-105	-111
Accumulated Other Comprehensive Income / (Loss)	-146	8.70	22
Other Equity Adjustments	-30	-28	-26

This table presents Capitol Federal Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	6/30/2022	12/31/2022	3/31/2023	6/30/2023	12/31/2023	3/31/2024	6/30/2024	12/31/2024
Total Assets	9,476	9,930	10,086	10,294	9,576	9,721	9,603	9,538
Cash and Due from Banks	55	50	60	329	320	444	318	170
Trading Account Securities	1,694	1,529	1,506	1,445	740	843	802	862
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	96	94	92	92	91	91	92	90
Other Assets	7,631	8,258	8,427	8,428	8,424	8,344	8,391	8,416
Total Liabilities & Shareholders' Equity	9,476	9,930	10,086	10,294	9,576	9,721	9,603	9,538
Total Liabilities	8,344	8,875	9,014	9,233	8,542	8,696	8,582	8,511
Non-Interest Bearing Deposits	6,330	6,075	6,144	6,093	6,022	6,142	6,130	6,206
Interest Bearing Deposits	56	36	60	41	25	53	35	26
Long-Term Debt	1,870	2,645	2,697	2,986	2,373	2,351	2,292	2,164
Other Long-Term Liabilities	89	119	113	113	122	151	126	115
Total Equity & Noncontrolling Interests	1,132	1,055	1,072	1,061	1,034	1,025	1,021	1,027
Total Preferred & Common Equity	1,132	1,055	1,072	1,061	1,034	1,025	1,021	1,027
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,132	1,055	1,072	1,061	1,034	1,025	1,021	1,027
Common Stock	1,192	1,169	1,169	1,169	1,156	1,148	1,148	1,148
Retained Earnings	72	47	50	47	-113	-111	-112	-107
Accumulated Other Comprehensive Income / (Loss)	-102	-133	-119	-127	19	15	11	12
Other Equity Adjustments	-30	-29	-29	-28	-28	-27	-27	-26

This table displays calculated financial ratios and metrics derived from Capitol Federal Financial's official financial filings.

Metric	2022	2023	2024
Period end date	9/30/2022	9/30/2023	9/30/2024
Growth Metrics	-	-	-
Revenue Growth	5.46%	-108.44%	1,020.12%
EBITDA Growth	7.55%	-199.58%	145.22%
EBIT Growth	10.27%	-229.62%	138.94%
NOPAT Growth	11.00%	-215.17%	139.08%
Net Income Growth	11.00%	-220.37%	137.39%
EPS Growth	10.71%	-222.58%	138.16%
Operating Cash Flow Growth	30.66%	-51.15%	-34.39%
Free Cash Flow Firm Growth	-198.14%	-148.15%	194.64%
Invested Capital Growth	14.28%	21.51%	-18.13%
Revenue Q/Q Growth	0.00%	-109.35%	574.30%
EBITDA Q/Q Growth	0.00%	-242.33%	138.16%
EBIT Q/Q Growth	0.00%	-293.01%	135.78%
NOPAT Q/Q Growth	0.00%	-267.06%	135.91%
Net Income Q/Q Growth	0.00%	-274.60%	133.21%
EPS Q/Q Growth	0.00%	-276.74%	134.12%
Operating Cash Flow Q/Q Growth	12.51%	-30.07%	-34.68%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	19.08%
Invested Capital Q/Q Growth	0.00%	-3.07%	-3.03%
Profitability Metrics	-	-	-
EBITDA Margin	57.89%	0.00%	33.56%
EBIT Margin	49.76%	0.00%	32.34%
Profit (Net Income) Margin	39.20%	0.00%	22.72%
Tax Burden Percent	78.78%	73.16%	70.25%
Interest Burden Percent	100.00%	100.00%	100.00%
Effective Tax Rate	21.22%	0.00%	29.75%
Return on Invested Capital (ROIC)	2.79%	0.00%	1.07%
ROIC Less NNEP Spread (ROIC-NNEP)	2.79%	0.00%	1.07%
Return on Net Nonoperating Assets (RNNOA)	4.43%	0.00%	2.60%
Return on Equity (ROE)	7.22%	-9.50%	3.66%
Cash Return on Invested Capital (CROIC)	-10.54%	-22.14%	21.01%
Operating Return on Assets (OROA)	1.11%	0.00%	0.55%
Return on Assets (ROA)	0.88%	0.00%	0.39%
Return on Common Equity (ROCE)	7.22%	-9.50%	3.66%
Return on Equity Simple (ROE_SIMPLE)	7.70%	-9.74%	3.68%
Net Operating Profit after Tax (NOPAT)	84	-97	38
NOPAT Margin	39.20%	0.00%	22.72%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.18%	0.00%
SG&A Expenses to Revenue	43.85%	0.00%	54.04%
Operating Expenses to Revenue	52.39%	0.00%	66.91%
Earnings before Interest and Taxes (EBIT)	107	-139	54
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	125	-124	56
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.88	0.57	0.73
Price to Tangible Book Value (P/TBV)	0.88	0.57	0.73
Price to Revenue (P/Rev)	4.46	0.00	4.51
Price to Earnings (P/E)	11.37	0.00	19.85
Dividend Yield	10.88%	14.20%	5.98%
Earnings Yield	8.79%	0.00%	5.04%
Enterprise Value to Invested Capital (EV/IC)	0.94	0.82	0.85
Enterprise Value to Revenue (EV/Rev)	14.13	0.00	16.24
Enterprise Value to EBITDA (EV/EBITDA)	24.40	0.00	48.38
Enterprise Value to EBIT (EV/EBIT)	28.39	0.00	50.22
Enterprise Value to NOPAT (EV/NOPAT)	36.04	0.00	71.48
Enterprise Value to Operating Cash Flow (EV/OCF)	31.28	67.83	87.13
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	3.63
Leverage & Solvency	-	-	-
Debt to Equity	1.94	2.76	2.11
Long-Term Debt to Equity	1.94	2.76	2.11
Financial Leverage	1.59	2.34	2.44
Leverage Ratio	8.23	9.25	9.49
Compound Leverage Factor	8.23	9.25	9.49
Debt to Total Capital	66.04%	73.39%	67.86%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	66.04%	73.39%	67.86%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	33.96%	26.61%	32.14%
Debt to EBITDA	17.10	-23.18	38.81
Net Debt to EBITDA	16.70	-21.21	34.94
Long-Term Debt to EBITDA	17.10	-23.18	38.81
Debt to NOPAT	25.25	-29.60	57.34
Net Debt to NOPAT	24.66	-27.07	51.62
Long-Term Debt to NOPAT	25.25	-29.60	57.34
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-319	-792	749
Operating Cash Flow to CapEx	1,750.96%	756.74%	434.08%
Free Cash Flow to Firm to Interest Expense	-3.67	-3.83	3.49
Operating Cash Flow to Interest Expense	1.12	0.23	0.15
Operating Cash Flow Less CapEx to Interest Expense	1.06	0.20	0.11
Efficiency Ratios	-	-	-
Asset Turnover	0.02	0.00	0.02
Fixed Asset Turnover	2.22	0.00	1.83
Capital & Investment Metrics	-	-	-
Invested Capital	3,229	3,923	3,212
Invested Capital Turnover	0.07	0.00	0.05
Increase / (Decrease) in Invested Capital	404	695	-711
Enterprise Value (EV)	3,044	3,224	2,717
Market Capitalization	961	590	755
Book Value per Share	$7.90	$7.67	$7.78
Tangible Book Value per Share	$7.90	$7.67	$7.78
Total Capital	3,229	3,923	3,212
Total Debt	2,132	2,879	2,180
Total Long-Term Debt	2,132	2,879	2,180
Net Debt	2,083	2,634	1,962
Capital Expenditures (CapEx)	5.56	6.28	7.18
Net Nonoperating Expense (NNE)	0.00	4.39	0.00
Net Nonoperating Obligations (NNO)	2,132	2,879	2,180
Total Depreciation and Amortization (D&A)	18	15	2.05
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$0.62	($0.76)	$0.29
Adjusted Weighted Average Basic Shares Outstanding	137.49M	135.24M	132.77M
Adjusted Diluted Earnings per Share	$0.62	($0.76)	$0.29
Adjusted Weighted Average Diluted Shares Outstanding	137.49M	135.24M	132.77M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	137.49M	135.24M	132.77M
Normalized Net Operating Profit after Tax (NOPAT)	84	-97	38
Normalized NOPAT Margin	39.20%	0.00%	22.72%
Pre Tax Income Margin	49.76%	0.00%	32.34%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	1.23	-0.67	0.25
NOPAT to Interest Expense	0.97	-0.47	0.18
EBIT Less CapEx to Interest Expense	1.17	-0.70	0.22
NOPAT Less CapEx to Interest Expense	0.91	-0.50	0.14
Payout Ratios	-	-	-
Dividend Payout Ratio	122.12%	-81.81%	117.13%
Augmented Payout Ratio	122.12%	-104.89%	168.30%

This table displays calculated financial ratios and metrics derived from Capitol Federal Financial's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	6/30/2022	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	17.34%	0.00%	0.12%	-10.43%	-27.69%	-381.86%	-40.02%	-2.29%	11.02%	129.06%	52.85%
EBITDA Growth	35.19%	0.00%	-27.94%	-33.87%	-56.31%	-731.92%	-91.87%	-20.64%	22.90%	111.38%	973.16%
EBIT Growth	16.92%	0.00%	-29.13%	-36.85%	-63.00%	-849.78%	-89.53%	-1.73%	57.62%	110.32%	823.50%
NOPAT Growth	16.30%	0.00%	-26.80%	-34.38%	-60.75%	-768.42%	-84.34%	-3.01%	16.21%	109.25%	506.80%
Net Income Growth	16.30%	0.00%	-26.80%	-34.38%	-60.75%	-820.24%	-84.34%	-3.01%	16.21%	108.59%	506.80%
EPS Growth	23.08%	0.00%	-25.00%	-31.25%	-62.50%	-850.00%	-83.33%	0.00%	16.67%	108.57%	500.00%
Operating Cash Flow Growth	0.00%	46.85%	-27.96%	-37.54%	-65.32%	-60.28%	-136.53%	102.33%	104.81%	-122.95%	205.14%
Free Cash Flow Firm Growth	0.00%	0.00%	0.00%	0.00%	65.19%	0.00%	108.02%	110.83%	171.79%	187.70%	-21.48%
Invested Capital Growth	0.00%	0.00%	0.00%	0.00%	34.84%	21.51%	-7.91%	-10.42%	-18.16%	-18.13%	-6.35%
Revenue Q/Q Growth	6.81%	-0.72%	-8.10%	-8.09%	-13.77%	-486.97%	119.56%	49.72%	-2.02%	1.28%	2.88%
EBITDA Q/Q Growth	-3.56%	-6.67%	-18.26%	-10.12%	-36.28%	-1,449.75%	101.05%	777.75%	-1.32%	24.94%	-0.84%
EBIT Q/Q Growth	-3.52%	-7.27%	-20.45%	-11.28%	-43.47%	-1,979.30%	101.11%	732.54%	-9.33%	23.04%	-0.57%
NOPAT Q/Q Growth	-2.18%	-7.85%	-16.68%	-12.63%	-41.49%	-1,669.36%	101.95%	441.17%	-29.89%	24.97%	27.98%
Net Income Q/Q Growth	-2.18%	-7.85%	-16.68%	-12.63%	-41.49%	-1,791.04%	101.81%	441.17%	-29.89%	24.97%	27.98%
EPS Q/Q Growth	0.00%	-12.50%	-14.29%	-8.33%	-45.45%	-1,850.00%	101.90%	450.00%	-36.36%	28.57%	33.33%
Operating Cash Flow Q/Q Growth	65.83%	26.04%	-56.94%	-30.60%	-7.93%	44.37%	-139.61%	484.36%	-6.80%	-116.18%	281.43%
Free Cash Flow Firm Q/Q Growth	0.00%	100.00%	0.00%	-1.92%	72.37%	20.50%	135.81%	37.63%	83.24%	-2.87%	-67.94%
Invested Capital Q/Q Growth	0.00%	7.56%	14.60%	1.86%	7.40%	-3.07%	-13.15%	-0.92%	-1.89%	-3.03%	-0.66%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	55.18%	51.87%	46.14%	45.12%	33.34%	0.00%	6.25%	36.65%	36.91%	45.53%	43.89%
EBIT Margin	47.72%	44.57%	38.58%	37.24%	24.42%	0.00%	6.74%	37.46%	34.67%	42.11%	40.70%
Profit (Net Income) Margin	37.71%	35.00%	31.73%	30.16%	20.47%	0.00%	8.28%	29.94%	21.42%	26.44%	32.89%
Tax Burden Percent	79.02%	78.52%	82.24%	80.99%	83.82%	75.43%	122.97%	79.93%	61.80%	62.77%	80.80%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	20.98%	21.48%	17.76%	19.01%	16.18%	0.00%	-22.97%	20.07%	38.20%	37.23%	19.20%
Return on Invested Capital (ROIC)	0.00%	2.34%	3.70%	3.36%	1.13%	0.00%	0.00%	0.00%	0.00%	1.24%	1.83%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	2.34%	3.70%	3.36%	1.13%	0.00%	0.00%	0.00%	0.00%	1.24%	1.83%
Return on Net Nonoperating Assets (RNNOA)	0.00%	4.54%	9.27%	8.46%	2.50%	0.00%	0.00%	0.00%	0.00%	3.02%	4.03%
Return on Equity (ROE)	0.00%	6.88%	12.96%	11.82%	3.63%	-9.50%	-11.04%	-11.04%	-10.99%	4.26%	5.86%
Cash Return on Invested Capital (CROIC)	0.00%	-9.88%	0.00%	0.00%	0.00%	-22.14%	5.15%	7.92%	17.10%	21.01%	8.10%
Operating Return on Assets (OROA)	0.00%	1.00%	0.84%	0.78%	0.48%	0.00%	0.00%	0.00%	0.00%	0.72%	0.78%
Return on Assets (ROA)	0.00%	0.78%	0.69%	0.63%	0.40%	0.00%	0.00%	0.00%	0.00%	0.45%	0.63%
Return on Common Equity (ROCE)	0.00%	6.88%	12.96%	11.82%	3.63%	-9.50%	-11.04%	-11.04%	-10.99%	4.26%	5.86%
Return on Equity Simple (ROE_SIMPLE)	0.00%	0.00%	7.44%	6.63%	5.49%	0.00%	-11.16%	-11.30%	-11.21%	0.00%	4.96%
Net Operating Profit after Tax (NOPAT)	21	19	16	14	8.30	-130	2.54	14	9.65	12	15
NOPAT Margin	37.71%	35.00%	31.73%	30.16%	20.47%	0.00%	8.28%	29.94%	21.42%	26.44%	32.89%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.40%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	42.27%	44.24%	45.09%	49.91%	59.96%	0.00%	74.01%	49.15%	50.82%	48.72%	48.88%
Operating Expenses to Revenue	50.61%	53.52%	54.27%	60.86%	72.32%	0.00%	92.86%	61.89%	62.07%	59.29%	57.86%
Earnings before Interest and Taxes (EBIT)	27	25	20	18	9.90	-186	2.07	17	16	19	19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	31	29	24	21	14	-183	1.92	17	17	21	21
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.92	0.88	0.97	0.74	0.70	0.57	0.77	0.72	0.67	0.73	0.74
Price to Tangible Book Value (P/TBV)	0.92	0.88	0.97	0.74	0.70	0.57	0.77	0.72	0.67	0.73	0.74
Price to Revenue (P/Rev)	0.00	4.46	4.76	3.80	3.82	0.00	0.00	0.00	0.00	4.51	4.13
Price to Earnings (P/E)	0.00	11.37	13.07	11.22	12.75	0.00	0.00	0.00	0.00	19.85	14.88
Dividend Yield	9.92%	10.88%	10.76%	13.69%	14.71%	14.20%	10.33%	6.05%	6.45%	5.98%	5.83%
Earnings Yield	0.00%	8.79%	7.65%	8.91%	7.84%	0.00%	0.00%	0.00%	0.00%	5.04%	6.72%
Enterprise Value to Invested Capital (EV/IC)	0.95	0.94	0.98	0.91	0.84	0.82	0.84	0.78	0.80	0.85	0.86
Enterprise Value to Revenue (EV/Rev)	0.00	14.13	16.81	16.35	17.48	0.00	0.00	0.00	0.00	16.24	14.99
Enterprise Value to EBITDA (EV/EBITDA)	0.00	24.40	31.34	32.80	38.96	0.00	0.00	0.00	0.00	48.38	36.76
Enterprise Value to EBIT (EV/EBIT)	0.00	28.39	36.55	38.64	47.21	0.00	0.00	0.00	0.00	50.22	38.67
Enterprise Value to NOPAT (EV/NOPAT)	0.00	36.04	46.13	48.31	58.38	0.00	0.00	0.00	0.00	71.48	54.05
Enterprise Value to Operating Cash Flow (EV/OCF)	33.01	31.28	39.52	40.14	50.01	67.83	103.18	69.58	55.67	87.13	65.30
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	15.55	9.34	4.22	3.63	10.29
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.65	1.94	2.51	2.52	2.81	2.76	2.29	2.29	2.25	2.11	2.11
Long-Term Debt to Equity	1.65	1.94	2.51	2.52	2.81	2.76	2.29	2.29	2.25	2.11	2.11
Financial Leverage	1.65	1.94	2.51	2.52	2.21	2.34	2.40	2.41	2.54	2.44	2.20
Leverage Ratio	8.37	8.23	9.41	9.41	9.02	9.25	9.34	9.45	9.56	9.49	9.27
Compound Leverage Factor	8.37	8.23	9.41	9.41	9.02	9.25	9.34	9.45	9.56	9.49	9.27
Debt to Total Capital	62.30%	66.04%	71.49%	71.55%	73.78%	73.39%	69.65%	69.64%	69.19%	67.86%	67.81%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	62.30%	66.04%	71.49%	71.55%	73.78%	73.39%	69.65%	69.64%	69.19%	67.86%	67.81%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	37.70%	33.96%	28.51%	28.45%	26.22%	26.61%	30.35%	30.36%	30.81%	32.14%	32.19%
Debt to EBITDA	0.00	17.10	22.89	25.76	34.22	-23.18	-16.27	-15.65	-15.57	38.81	28.92
Net Debt to EBITDA	0.00	16.70	22.46	25.18	30.45	-21.21	-14.07	-12.69	-13.41	34.94	26.64
Long-Term Debt to EBITDA	0.00	17.10	22.89	25.76	34.22	-23.18	-16.27	-15.65	-15.57	38.81	28.92
Debt to NOPAT	0.00	25.25	33.69	37.94	51.29	-29.60	-21.64	-21.40	-21.65	57.34	42.51
Net Debt to NOPAT	0.00	24.66	33.06	37.09	45.63	-27.07	-18.72	-17.36	-18.65	51.62	39.17
Long-Term Debt to NOPAT	0.00	25.25	33.69	37.94	51.29	-29.60	-21.64	-21.40	-21.65	57.34	42.51
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-2,980	0.00	-3,684	-3,754	-1,038	-825	295	406	745	723	232
Operating Cash Flow to CapEx	1,362.82%	3,183.76%	1,335.86%	861.65%	438.39%	714.86%	-423.00%	1,393.75%	714.01%	-174.04%	486.81%
Free Cash Flow to Firm to Interest Expense	-153.39	0.00	-80.94	-78.90	-18.56	-14.34	5.67	7.82	13.62	12.91	4.19
Operating Cash Flow to Interest Expense	1.38	1.01	0.32	0.21	0.17	0.23	-0.10	0.39	0.35	-0.06	0.10
Operating Cash Flow Less CapEx to Interest Expense	1.28	0.98	0.30	0.19	0.13	0.20	-0.13	0.37	0.30	-0.09	0.08
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.02	0.02	0.02	0.02	0.00	0.00	0.00	0.00	0.02	0.02
Fixed Asset Turnover	0.00	2.22	2.30	2.27	2.07	0.00	0.00	0.00	0.00	1.83	2.02
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,002	3,229	3,700	3,769	4,047	3,923	3,407	3,376	3,312	3,212	3,191
Invested Capital Turnover	0.00	0.07	0.12	0.11	0.06	0.00	0.00	0.00	0.00	0.05	0.06
Increase / (Decrease) in Invested Capital	3,002	0.00	3,700	3,769	1,046	695	-293	-393	-735	-711	-216
Enterprise Value (EV)	2,855	3,044	3,621	3,434	3,399	3,224	2,847	2,642	2,658	2,717	2,751
Market Capitalization	1,039	961	1,026	797	742	590	795	734	684	755	758
Book Value per Share	$8.15	$7.90	$7.67	$7.87	$7.79	$7.67	$7.65	$7.66	$7.69	$7.78	$7.73
Tangible Book Value per Share	$8.15	$7.90	$7.67	$7.87	$7.79	$7.67	$7.65	$7.66	$7.69	$7.78	$7.73
Total Capital	3,002	3,229	3,700	3,769	4,047	3,923	3,407	3,376	3,312	3,212	3,191
Total Debt	1,870	2,132	2,645	2,697	2,986	2,879	2,373	2,351	2,292	2,180	2,164
Total Long-Term Debt	1,870	2,132	2,645	2,697	2,986	2,879	2,373	2,351	2,292	2,180	2,164
Net Debt	1,815	2,083	2,596	2,636	2,657	2,634	2,053	1,908	1,974	1,962	1,993
Capital Expenditures (CapEx)	1.97	1.07	1.09	1.18	2.13	1.88	1.26	1.47	2.68	1.78	1.15
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	10	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	1,870	2,132	2,645	2,697	2,986	2,879	2,373	2,351	2,292	2,180	2,164
Total Depreciation and Amortization (D&A)	4.19	4.07	3.87	3.71	3.62	3.57	-0.15	-0.37	1.01	1.56	1.50
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.16	$0.14	$0.12	$0.11	$0.06	($1.05)	$0.02	$0.11	$0.07	$0.09	$0.12
Adjusted Weighted Average Basic Shares Outstanding	135.72M	137.49M	134.64M	133.15M	133.20M	135.24M	132.35M	130.54M	129.87M	132.77M	129.97M
Adjusted Diluted Earnings per Share	$0.16	$0.14	$0.12	$0.11	$0.06	($1.05)	$0.02	$0.11	$0.07	$0.09	$0.12
Adjusted Weighted Average Diluted Shares Outstanding	135.72M	137.49M	134.64M	133.15M	133.20M	135.24M	132.35M	130.54M	129.87M	132.77M	129.97M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	138.86M	137.49M	136.14M	136.16M	136.19M	135.24M	133.73M	132.73M	132.74M	132.77M	132.79M
Normalized Net Operating Profit after Tax (NOPAT)	21	19	16	14	8.30	-130	1.45	14	9.65	12	15
Normalized NOPAT Margin	37.71%	35.00%	31.73%	30.16%	20.47%	0.00%	4.72%	29.94%	21.42%	26.44%	32.89%
Pre Tax Income Margin	47.72%	44.57%	38.58%	37.24%	24.42%	0.00%	6.74%	37.46%	34.67%	42.11%	40.70%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.38	0.74	0.43	0.37	0.18	-3.24	0.04	0.33	0.29	0.34	0.34
NOPAT to Interest Expense	1.09	0.58	0.36	0.30	0.15	-2.26	0.05	0.26	0.18	0.22	0.28
EBIT Less CapEx to Interest Expense	1.28	0.71	0.41	0.34	0.14	-3.27	0.02	0.30	0.24	0.31	0.32
NOPAT Less CapEx to Interest Expense	0.99	0.55	0.33	0.27	0.11	-2.30	0.02	0.24	0.13	0.18	0.26
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	122.12%	141.33%	155.81%	143.21%	-81.81%	-39.24%	-38.93%	-39.15%	117.13%	86.99%
Augmented Payout Ratio	0.00%	122.12%	169.60%	187.04%	181.34%	-104.89%	-50.65%	-56.82%	-57.24%	168.30%	101.82%

Frequently Asked Questions About Capitol Federal Financial's Financials

When does Capitol Federal Financial's fiscal year end?

According to the most recent income statement we have on file, Capitol Federal Financial's financial year ends in September. Their financial year 2024 ended on September 30, 2024.

How has Capitol Federal Financial's net income changed over the last 2 years?

Capitol Federal Financial's net income appears to be on a downward trend, with a most recent value of $38.01 million in 2024, falling from $84.45 million in 2022. The previous period was -$101.66 million in 2023. Check out Capitol Federal Financial's forecast to explore projected trends and price targets.

How has Capitol Federal Financial revenue changed over the last 2 years?

Over the last 2 years, Capitol Federal Financial's total revenue changed from $215.42 million in 2022 to $167.31 million in 2024, a change of -22.3%.

How much debt does Capitol Federal Financial have?

Capitol Federal Financial's total liabilities were at $8.50 billion at the end of 2024, a 7.0% decrease from 2023, and a 0.4% decrease since 2022.

How much cash does Capitol Federal Financial have?

In the past 2 years, Capitol Federal Financial's cash and equivalents has ranged from $49.19 million in 2022 to $245.61 million in 2023, and is currently $217.31 million as of their latest financial filing in 2024.

How has Capitol Federal Financial's book value per share changed over the last 2 years?

Over the last 2 years, Capitol Federal Financial's book value per share changed from 7.90 in 2022 to 7.78 in 2024, a change of -1.5%.

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This page (NASDAQ:CFFN) was last updated on 5/3/2025 by MarketBeat.com Staff

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Capitol Federal Financial (CFFN) Financials

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Capitol Federal Financial (CFFN) Financials

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