Capitol Federal Financial, Inc. CFFN

Latest FY: 2025 Financial Services Banks - Regional
Market Price $8.80
Market Cap $1.09B
P/E Ratio 16.92
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑20.2% YoY
$201.04M
3-Yr CAGR: -2.3%
Net Income ↑79.0% YoY
$68.03M
Net Margin: 33.8%
Free Cash Flow ↑107.7% YoY
$49.84M
FCF Yield: 4.55%
EPS (Diluted) ↑79.3% YoY
$0.52
Basic: $0.52
Return on Equity Efficiency
6.5%
ROA: 0.7%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (CFFN)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $215.5M $106.6M $83.5M $0.63 $0.84 5.10% $85.0M $70.1M
FY 2017 $217.6M +1.0% $99.8M $84.1M +0.8% $0.63 0.0% $0.88 6.56% $85.4M $76.3M +8.9%
FY 2018 $220.8M +1.5% $97.7M $98.9M +17.6% $0.73 +15.9% $0.88 6.89% $124.2M $112.4M +47.3%
FY 2019 $228.3M +3.4% $104.8M $94.2M -4.7% $0.68 -6.8% $0.98 7.14% $80.9M $69.2M -38.4%
FY 2020 $208.9M -8.5% $93.3M $64.5M -31.5% $0.47 -30.9% $0.68 5.44% $92.9M $78.2M +13.0%
FY 2021 $203.1M -2.8% $119.9M $76.1M +17.9% $0.56 +19.1% $0.87 7.68% $74.5M $65.1M -16.8%
FY 2022 $215.4M +6.1% $128.5M $84.5M +11.0% $0.62 +10.7% $0.76 8.79% $97.3M $91.7M +41.0%
FY 2023 $17.6M -91.8% $17.6M $-101.7M -220.4% $-0.76 -222.6% $0.62 9.61% $47.5M $41.2M -55.0%
FY 2024 $167.3M +850.6% $54.1M $38.0M +137.4% $0.29 +138.2% $0.34 5.75% $31.2M $24.0M -41.8%
FY 2025 $201.0M +20.2% $83.0M $68.0M +79.0% $0.52 +79.3% $0.34 4.99% $55.0M $49.8M +107.7%
$

Valuation

Market Price $8.80
Market Cap $1.09B
Enterprise Value $842.21M
P/E Ratio 16.92
P/B Ratio 1.04
FCF Yield 4.55%
Dividend Yield 3.86%
Shares Outstanding 124,392,700
%

Profitability & Margins

Gross Margin 41.30%
Operating Margin 41.30%
Net Margin 33.84%
Return on Equity (ROE) 6.49%
Return on Assets (ROA) 0.70%
Asset Turnover 0.02x
Revenue 3-Yr CAGR -2.28%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $252.44M
Total Debt N/A
Book Value / Share $8.42
💧

Cash Flow Efficiency

Operating Cash Flow $55.04M
Capital Expenditures (CapEx) $5.20M
Free Cash Flow $49.84M
OCF / Revenue 27.38%
FCF / Revenue 24.79%
FCF 3-Yr CAGR -18.40%
🏷️

Per Share Metrics

EPS (Diluted) $0.52
EPS (Basic) $0.52
Dividends / Share $0.34
Book Value / Share $8.42
EPS YoY Growth 79.31%
🏛️

Balance Sheet (FY 2025)

Total Assets $9.78B
Total Liabilities $8.73B
Stockholders' Equity $1.05B
Current Assets N/A
Current Liabilities N/A