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Capitol Federal Financial (CFFN) Financials

Capitol Federal Financial logo
$5.60 -0.03 (-0.53%)
Closing price 05/23/2025 04:00 PM Eastern
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$5.60 0.00 (0.00%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for Capitol Federal Financial

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

Quarterly Income Statements for Capitol Federal Financial

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 Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 15 15 12 9.65 14 2.54 -140 8.30 14 16 19
Consolidated Net Income / (Loss)		 15 15 12 9.65 14 2.54 -140 8.30 14 16 19
Net Income / (Loss) Continuing Operations		 15 15 12 9.65 14 2.54 -140 8.30 14 16 19
Total Pre-Tax Income 		19 19 19 16 17 2.07 -186 9.90 18 20 25
Total Revenue		 49 47 46 45 46 31 -157 41 47 51 56
Net Interest Income / (Expense)		 44 42 41 40 41 40 31 35 42 46 50
Total Interest Income		 98 98 97 95 93 92 88 91 90 91 83
Loans and Leases Interest Income		 81 81 80 77 76 76 74 72 69 65 60
Investment Securities Interest Income		 15 14 14 14 13 11 8.09 8.72 9.25 9.85 9.62
Deposits and Money Market Investments Interest Income		 2.73 1.87 2.56 3.88 4.51 4.78 6.14 10 11 17 13
Total Interest Expense		 54 55 56 55 52 52 58 56 48 46 34
Deposits Interest Expense		 36 37 37 36 33 32 8.07 24 16 34 9.01
Long-Term Debt Interest Expense		 18 18 19 18 19 20 49 31 31 12 25
Total Non-Interest Income		 4.95 4.69 4.79 4.71 4.64 -8.89 -188 5.81 5.08 5.35 5.79
Other Service Charges		 1.43 1.21 1.20 1.10 1.46 1.01 1.23 1.52 1.08 1.10 1.42
Net Realized & Unrealized Capital Gains on Investments		 0.00 0.00 - 0.00 0.00 -13 -193 0.00 0.00 0.00 -
Other Non-Interest Income		 3.52 3.48 3.58 3.61 3.19 3.44 3.69 4.29 4.00 4.26 4.37
Provision for Credit Losses		 0.00 0.68 -0.64 1.47 0.30 0.12 0.96 1.32 0.89 3.66 1.06
Total Non-Interest Expense		 30 27 27 28 28 29 28 29 29 28 30
Salaries and Employee Benefits		 15 14 13 13 13 13 12 13 13 14 14
Net Occupancy & Equipment Expense		 8.43 7.88 8.08 8.63 8.44 8.74 10 9.67 9.36 8.54 8.82
Marketing Expense		 0.76 0.82 1.05 0.95 1.27 0.99 0.69 1.45 1.33 0.83 1.55
Property & Liability Insurance Claims		 1.10 1.04 1.11 1.35 1.73 1.86 1.17 1.23 1.25 0.81 0.82
Other Operating Expenses		 4.32 3.17 3.71 3.71 4.13 3.93 4.45 3.78 3.91 3.89 4.35
Income Tax Expense		 3.85 3.67 7.15 5.96 3.46 -0.48 -46 1.60 3.33 3.51 5.33
Basic Earnings per Share		 $0.12 $0.12 $0.09 $0.07 $0.11 $0.02 ($1.05) $0.06 $0.11 $0.12 $0.14
Weighted Average Basic Shares Outstanding		 130.03M 129.97M 132.77M 129.87M 130.54M 132.35M 135.24M 133.20M 133.15M 134.64M 137.49M
Diluted Earnings per Share		 $0.12 $0.12 $0.09 $0.07 $0.11 $0.02 ($1.05) $0.06 $0.11 $0.12 $0.14
Weighted Average Diluted Shares Outstanding		 130.03M 129.97M 132.77M 129.87M 130.54M 132.35M 135.24M 133.20M 133.15M 134.64M 137.49M
Weighted Average Basic & Diluted Shares Outstanding		 132.80M 132.79M 132.77M 132.74M 132.73M 133.73M 135.24M 136.19M 136.16M 136.14M 137.49M

Annual Cash Flow Statements for Capitol Federal Financial

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

Quarterly Cash Flow Statements for Capitol Federal Financial

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 Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 170 -47 -101 -126 123 75 -84 269 11 0.49 -5.60
Net Cash From Operating Activities		 16 5.61 -3.09 19 21 -5.33 13 9.33 10 15 34
Net Cash From Continuing Operating Activities		 16 5.61 -3.09 19 21 -5.33 13 9.33 10 15 34
Net Income / (Loss) Continuing Operations		 15 15 12 9.65 14 2.54 -140 8.30 14 16 19
Consolidated Net Income / (Loss)		 15 15 12 9.65 14 2.54 -140 8.30 14 16 19
Depreciation Expense		 1.82 1.85 1.85 2.01 2.04 2.04 2.22 2.24 2.28 2.30 2.35
Amortization Expense		 -0.31 -0.35 -0.28 -1.00 -2.41 -2.19 1.35 1.39 1.42 1.57 1.72
Non-Cash Adjustments to Reconcile Net Income		 -3.69 0.56 -10 -2.16 4.63 4.25 145 -2.93 -3.20 -3.73 -1.31
Changes in Operating Assets and Liabilities, net		 2.30 -13 -5.69 9.14 2.19 -12 4.68 -0.99 -5.45 -5.44 11
Net Cash From Investing Activities		 -8.40 -66 -1.23 -44 -4.22 678 42 53 -133 -291 -179
Net Cash From Continuing Investing Activities		 -8.40 -66 -1.23 -44 -4.22 678 42 53 -133 -291 -179
Purchase of Property, Leasehold Improvements and Equipment		 -0.76 -1.15 -1.78 -2.68 -1.47 -1.26 -1.88 -2.13 -1.18 -1.09 -1.07
Purchase of Investment Securities		 -59 -119 -88 -165 -214 -645 -96 -42 -300 -437 -353
Sale and/or Maturity of Investments		 52 55 89 124 211 1,325 140 97 168 147 176
Net Cash From Financing Activities		 163 13 -96 -101 107 -598 -140 207 134 277 139
Net Cash From Continuing Financing Activities		 163 13 -96 -101 107 -598 -140 207 134 277 139
Net Change in Deposits		 166 76 0.32 -12 120 -30 -42 -52 70 -120 -135
Issuance of Debt		 150 200 75 50 50 175 - 1,202 1,092 2,000 375
Repayment of Debt		 -171 -216 -187 -110 -72 -683 -107 -913 -1,041 -1,488 -113
Payment of Dividends		 -11 -11 -11 -11 -11 -11 -11 -11 -11 -49 -12
Other Financing Activities, Net		 29 -36 27 -18 28 -38 22 -19 24 -44 24

Annual Balance Sheets for Capitol Federal Financial

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

Quarterly Balance Sheets for Capitol Federal Financial

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 Q2 2025 Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 12/31/2024 6/30/2024 3/31/2024 12/31/2023 6/30/2023 3/31/2023 12/31/2022 6/30/2022
Total Assets		 9,718 9,538 9,603 9,721 9,576 10,294 10,086 9,930 9,476
Cash and Due from Banks		 340 170 318 444 320 329 60 50 55
Trading Account Securities		 961 862 802 843 740 1,445 1,506 1,529 1,694
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 89 90 92 91 91 92 92 94 96
Other Assets		 8,327 8,416 8,391 8,344 8,424 8,428 8,427 8,258 7,631
Total Liabilities & Shareholders' Equity		 9,718 9,538 9,603 9,721 9,576 10,294 10,086 9,930 9,476
Total Liabilities		 8,681 8,511 8,582 8,696 8,542 9,233 9,014 8,875 8,344
Non-Interest Bearing Deposits		 6,373 6,206 6,130 6,142 6,022 6,093 6,144 6,075 6,330
Interest Bearing Deposits		 55 26 35 53 25 41 60 36 56
Long-Term Debt		 2,143 2,164 2,292 2,351 2,373 2,986 2,697 2,645 1,870
Other Long-Term Liabilities		 111 115 126 151 122 113 113 119 89
Total Equity & Noncontrolling Interests		 1,037 1,027 1,021 1,025 1,034 1,061 1,072 1,055 1,132
Total Preferred & Common Equity		 1,037 1,027 1,021 1,025 1,034 1,061 1,072 1,055 1,132
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,037 1,027 1,021 1,025 1,034 1,061 1,072 1,055 1,132
Common Stock		 1,148 1,148 1,148 1,148 1,156 1,169 1,169 1,169 1,192
Retained Earnings		 -102 -107 -112 -111 -113 47 50 47 72
Accumulated Other Comprehensive Income / (Loss)		 17 12 11 15 19 -127 -119 -133 -102
Other Equity Adjustments		 -26 -26 -27 -27 -28 -28 -29 -29 -30

Annual Metrics And Ratios for Capitol Federal Financial

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

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

Quarterly Metrics And Ratios for Capitol Federal Financial

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

Metric Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.16% 52.85% 129.06% 11.02% -2.29% -40.02% -381.86% -27.69% -10.43% 0.12% 0.00%
EBITDA Growth		 23.22% 973.16% 111.38% 22.90% -20.64% -91.87% -731.92% -56.31% -33.87% -27.94% 0.00%
EBIT Growth		 11.83% 823.50% 110.32% 57.62% -1.73% -89.53% -849.78% -63.00% -36.85% -29.13% 0.00%
NOPAT Growth		 11.90% 506.80% 109.25% 16.21% -3.01% -84.34% -768.42% -60.75% -34.38% -26.80% 0.00%
Net Income Growth		 11.90% 506.80% 108.59% 16.21% -3.01% -84.34% -820.24% -60.75% -34.38% -26.80% 0.00%
EPS Growth		 9.09% 500.00% 108.57% 16.67% 0.00% -83.33% -850.00% -62.50% -31.25% -25.00% 0.00%
Operating Cash Flow Growth		 -24.37% 205.14% -122.95% 104.81% 102.33% -136.53% -60.28% -65.32% -37.54% -27.96% 46.85%
Free Cash Flow Firm Growth		 -48.03% -21.48% 187.70% 171.79% 110.83% 108.02% 0.00% 65.19% 0.00% 0.00% 0.00%
Invested Capital Growth		 -5.80% -6.35% -18.13% -18.16% -10.42% -7.91% 21.51% 34.84% 0.00% 0.00% 0.00%
Revenue Q/Q Growth		 3.99% 2.88% 1.28% -2.02% 49.72% 119.56% -486.97% -13.77% -8.09% -8.10% -0.72%
EBITDA Q/Q Growth		 0.79% -0.84% 24.94% -1.32% 777.75% 101.05% -1,449.75% -36.28% -10.12% -18.26% -6.67%
EBIT Q/Q Growth		 0.81% -0.57% 23.04% -9.33% 732.54% 101.11% -1,979.30% -43.47% -11.28% -20.45% -7.27%
NOPAT Q/Q Growth		 -0.21% 27.98% 24.97% -29.89% 441.17% 101.95% -1,669.36% -41.49% -12.63% -16.68% -7.85%
Net Income Q/Q Growth		 -0.21% 27.98% 24.97% -29.89% 441.17% 101.81% -1,791.04% -41.49% -12.63% -16.68% -7.85%
EPS Q/Q Growth		 0.00% 33.33% 28.57% -36.36% 450.00% 101.90% -1,850.00% -45.45% -8.33% -14.29% -12.50%
Operating Cash Flow Q/Q Growth		 176.48% 281.43% -116.18% -6.80% 484.36% -139.61% 44.37% -7.93% -30.60% -56.94% 26.04%
Free Cash Flow Firm Q/Q Growth		 -8.90% -67.94% -2.87% 83.24% 37.63% 135.81% 20.50% 72.37% -1.92% 0.00% 100.00%
Invested Capital Q/Q Growth		 -0.33% -0.66% -3.03% -1.89% -0.92% -13.15% -3.07% 7.40% 1.86% 14.60% 7.56%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.54% 43.89% 45.53% 36.91% 36.65% 6.25% 0.00% 33.34% 45.12% 46.14% 51.87%
EBIT Margin		 39.46% 40.70% 42.11% 34.67% 37.46% 6.74% 0.00% 24.42% 37.24% 38.58% 44.57%
Profit (Net Income) Margin		 31.56% 32.89% 26.44% 21.42% 29.94% 8.28% 0.00% 20.47% 30.16% 31.73% 35.00%
Tax Burden Percent		 79.98% 80.80% 62.77% 61.80% 79.93% 122.97% 75.43% 83.82% 80.99% 82.24% 78.52%
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		 20.02% 19.20% 37.23% 38.20% 20.07% -22.97% 0.00% 16.18% 19.01% 17.76% 21.48%
Return on Invested Capital (ROIC)		 1.79% 1.83% 1.24% 0.00% 0.00% 0.00% 0.00% 1.13% 3.36% 3.70% 2.34%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.79% 1.83% 1.24% 0.00% 0.00% 0.00% 0.00% 1.13% 3.36% 3.70% 2.34%
Return on Net Nonoperating Assets (RNNOA)		 3.91% 4.03% 3.02% 0.00% 0.00% 0.00% 0.00% 2.50% 8.46% 9.27% 4.54%
Return on Equity (ROE)		 5.70% 5.86% 4.26% -10.99% -11.04% -11.04% -9.50% 3.63% 11.82% 12.96% 6.88%
Cash Return on Invested Capital (CROIC)		 7.58% 8.10% 21.01% 17.10% 7.92% 5.15% -22.14% 0.00% 0.00% 0.00% -9.88%
Operating Return on Assets (OROA)		 0.76% 0.78% 0.72% 0.00% 0.00% 0.00% 0.00% 0.48% 0.78% 0.84% 1.00%
Return on Assets (ROA)		 0.61% 0.63% 0.45% 0.00% 0.00% 0.00% 0.00% 0.40% 0.63% 0.69% 0.78%
Return on Common Equity (ROCE)		 5.70% 5.86% 4.26% -10.99% -11.04% -11.04% -9.50% 3.63% 11.82% 12.96% 6.88%
Return on Equity Simple (ROE_SIMPLE)		 5.07% 4.96% 0.00% -11.21% -11.30% -11.16% 0.00% 5.49% 6.63% 7.44% 0.00%
Net Operating Profit after Tax (NOPAT)		 15 15 12 9.65 14 2.54 -130 8.30 14 16 19
NOPAT Margin		 31.56% 32.89% 26.44% 21.42% 29.94% 8.28% 0.00% 20.47% 30.16% 31.73% 35.00%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.40% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.44% 48.88% 48.72% 50.82% 49.15% 74.01% 0.00% 59.96% 49.91% 45.09% 44.24%
Operating Expenses to Revenue		 60.54% 57.86% 59.29% 62.07% 61.89% 92.86% 0.00% 72.32% 60.86% 54.27% 53.52%
Earnings before Interest and Taxes (EBIT)		 19 19 19 16 17 2.07 -186 9.90 18 20 25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 21 21 21 17 17 1.92 -183 14 21 24 29
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.69 0.74 0.73 0.67 0.72 0.77 0.57 0.70 0.74 0.97 0.88
Price to Tangible Book Value (P/TBV)		 0.69 0.74 0.73 0.67 0.72 0.77 0.57 0.70 0.74 0.97 0.88
Price to Revenue (P/Rev)		 3.85 4.13 4.51 0.00 0.00 0.00 0.00 3.82 3.80 4.76 4.46
Price to Earnings (P/E)		 13.65 14.88 19.85 0.00 0.00 0.00 0.00 12.75 11.22 13.07 11.37
Dividend Yield		 6.16% 5.83% 5.98% 6.45% 6.05% 10.33% 14.20% 14.71% 13.69% 10.76% 10.88%
Earnings Yield		 7.32% 6.72% 5.04% 0.00% 0.00% 0.00% 0.00% 7.84% 8.91% 7.65% 8.79%
Enterprise Value to Invested Capital (EV/IC)		 0.79 0.86 0.85 0.80 0.78 0.84 0.82 0.84 0.91 0.98 0.94
Enterprise Value to Revenue (EV/Rev)		 13.52 14.99 16.24 0.00 0.00 0.00 0.00 17.48 16.35 16.81 14.13
Enterprise Value to EBITDA (EV/EBITDA)		 32.00 36.76 48.38 0.00 0.00 0.00 0.00 38.96 32.80 31.34 24.40
Enterprise Value to EBIT (EV/EBIT)		 34.44 38.67 50.22 0.00 0.00 0.00 0.00 47.21 38.64 36.55 28.39
Enterprise Value to NOPAT (EV/NOPAT)		 47.97 54.05 71.48 0.00 0.00 0.00 0.00 58.38 48.31 46.13 36.04
Enterprise Value to Operating Cash Flow (EV/OCF)		 67.87 65.30 87.13 55.67 69.58 103.18 67.83 50.01 40.14 39.52 31.28
Enterprise Value to Free Cash Flow (EV/FCFF)		 10.14 10.29 3.63 4.22 9.34 15.55 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.07 2.11 2.11 2.25 2.29 2.29 2.76 2.81 2.52 2.51 1.94
Long-Term Debt to Equity		 2.07 2.11 2.11 2.25 2.29 2.29 2.76 2.81 2.52 2.51 1.94
Financial Leverage		 2.18 2.20 2.44 2.54 2.41 2.40 2.34 2.21 2.52 2.51 1.94
Leverage Ratio		 9.43 9.27 9.49 9.56 9.45 9.34 9.25 9.02 9.41 9.41 8.23
Compound Leverage Factor		 9.43 9.27 9.49 9.56 9.45 9.34 9.25 9.02 9.41 9.41 8.23
Debt to Total Capital		 67.39% 67.81% 67.86% 69.19% 69.64% 69.65% 73.39% 73.78% 71.55% 71.49% 66.04%
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		 67.39% 67.81% 67.86% 69.19% 69.64% 69.65% 73.39% 73.78% 71.55% 71.49% 66.04%
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		 32.61% 32.19% 32.14% 30.81% 30.36% 30.35% 26.61% 26.22% 28.45% 28.51% 33.96%
Debt to EBITDA		 27.22 28.92 38.81 -15.57 -15.65 -16.27 -23.18 34.22 25.76 22.89 17.10
Net Debt to EBITDA		 22.89 26.64 34.94 -13.41 -12.69 -14.07 -21.21 30.45 25.18 22.46 16.70
Long-Term Debt to EBITDA		 27.22 28.92 38.81 -15.57 -15.65 -16.27 -23.18 34.22 25.76 22.89 17.10
Debt to NOPAT		 40.79 42.51 57.34 -21.65 -21.40 -21.64 -29.60 51.29 37.94 33.69 25.25
Net Debt to NOPAT		 34.31 39.17 51.62 -18.65 -17.36 -18.72 -27.07 45.63 37.09 33.06 24.66
Long-Term Debt to NOPAT		 40.79 42.51 57.34 -21.65 -21.40 -21.64 -29.60 51.29 37.94 33.69 25.25
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)		 211 232 723 745 406 295 -825 -1,038 -3,754 -3,684 0.00
Operating Cash Flow to CapEx		 2,050.93% 486.81% -174.04% 714.01% 1,393.75% -423.00% 714.86% 438.39% 861.65% 1,335.86% 3,183.76%
Free Cash Flow to Firm to Interest Expense		 3.89 4.19 12.91 13.62 7.82 5.67 -14.34 -18.56 -78.90 -80.94 0.00
Operating Cash Flow to Interest Expense		 0.29 0.10 -0.06 0.35 0.39 -0.10 0.23 0.17 0.21 0.32 1.01
Operating Cash Flow Less CapEx to Interest Expense		 0.27 0.08 -0.09 0.30 0.37 -0.13 0.20 0.13 0.19 0.30 0.98
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.00 0.00 0.00 0.00 0.02 0.02 0.02 0.02
Fixed Asset Turnover		 2.07 2.02 1.83 0.00 0.00 0.00 0.00 2.07 2.27 2.30 2.22
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,180 3,191 3,212 3,312 3,376 3,407 3,923 4,047 3,769 3,700 3,229
Invested Capital Turnover		 0.06 0.06 0.05 0.00 0.00 0.00 0.00 0.06 0.11 0.12 0.07
Increase / (Decrease) in Invested Capital		 -196 -216 -711 -735 -393 -293 695 1,046 3,769 3,700 0.00
Enterprise Value (EV)		 2,520 2,751 2,717 2,658 2,642 2,847 3,224 3,399 3,434 3,621 3,044
Market Capitalization		 717 758 755 684 734 795 590 742 797 1,026 961
Book Value per Share		 $7.81 $7.73 $7.78 $7.69 $7.66 $7.65 $7.67 $7.79 $7.87 $7.67 $7.90
Tangible Book Value per Share		 $7.81 $7.73 $7.78 $7.69 $7.66 $7.65 $7.67 $7.79 $7.87 $7.67 $7.90
Total Capital		 3,180 3,191 3,212 3,312 3,376 3,407 3,923 4,047 3,769 3,700 3,229
Total Debt		 2,143 2,164 2,180 2,292 2,351 2,373 2,879 2,986 2,697 2,645 2,132
Total Long-Term Debt		 2,143 2,164 2,180 2,292 2,351 2,373 2,879 2,986 2,697 2,645 2,132
Net Debt		 1,803 1,993 1,962 1,974 1,908 2,053 2,634 2,657 2,636 2,596 2,083
Capital Expenditures (CapEx)		 0.76 1.15 1.78 2.68 1.47 1.26 1.88 2.13 1.18 1.09 1.07
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 10 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 2,143 2,164 2,180 2,292 2,351 2,373 2,879 2,986 2,697 2,645 2,132
Total Depreciation and Amortization (D&A)		 1.50 1.50 1.56 1.01 -0.37 -0.15 3.57 3.62 3.71 3.87 4.07
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.12 $0.12 $0.09 $0.07 $0.11 $0.02 ($1.05) $0.06 $0.11 $0.12 $0.14
Adjusted Weighted Average Basic Shares Outstanding		 130.03M 129.97M 132.77M 129.87M 130.54M 132.35M 135.24M 133.20M 133.15M 134.64M 137.49M
Adjusted Diluted Earnings per Share		 $0.12 $0.12 $0.09 $0.07 $0.11 $0.02 ($1.05) $0.06 $0.11 $0.12 $0.14
Adjusted Weighted Average Diluted Shares Outstanding		 130.03M 129.97M 132.77M 129.87M 130.54M 132.35M 135.24M 133.20M 133.15M 134.64M 137.49M
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		 132.80M 132.79M 132.77M 132.74M 132.73M 133.73M 135.24M 136.19M 136.16M 136.14M 137.49M
Normalized Net Operating Profit after Tax (NOPAT)		 15 15 12 9.65 14 1.45 -130 8.30 14 16 19
Normalized NOPAT Margin		 31.56% 32.89% 26.44% 21.42% 29.94% 4.72% 0.00% 20.47% 30.16% 31.73% 35.00%
Pre Tax Income Margin		 39.46% 40.70% 42.11% 34.67% 37.46% 6.74% 0.00% 24.42% 37.24% 38.58% 44.57%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.35 0.34 0.34 0.29 0.33 0.04 -3.24 0.18 0.37 0.43 0.74
NOPAT to Interest Expense		 0.28 0.28 0.22 0.18 0.26 0.05 -2.26 0.15 0.30 0.36 0.58
EBIT Less CapEx to Interest Expense		 0.34 0.32 0.31 0.24 0.30 0.02 -3.27 0.14 0.34 0.41 0.71
NOPAT Less CapEx to Interest Expense		 0.27 0.26 0.18 0.13 0.24 0.02 -2.30 0.11 0.27 0.33 0.55
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 84.15% 86.99% 117.13% -39.15% -38.93% -39.24% -81.81% 143.21% 155.81% 141.33% 122.12%
Augmented Payout Ratio		 84.15% 101.82% 168.30% -57.24% -56.82% -50.65% -104.89% 181.34% 187.04% 169.60% 122.12%

Frequently Asked Questions About Capitol Federal Financial's Financials

When does Capitol Federal Financial's financial year end?

According to the most recent income statement we have on file, Capitol Federal Financial's fiscal year ends in September. Their fiscal 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 5/24/2025 by MarketBeat.com Staff
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