CFFN Financials Capitol Federal Financial, Inc.

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated 29 h ago Overview →

Growth & profitability

Revenue has grown 1.9% per year over the past 5 years.
Net income has grown slower than revenue (1.1% vs 1.9% per year).
Free cash flow has declined 8.6% per year over the past 5 years.

Financial health

Total debt ($2.0B) exceeds cash ($252M); net debt is $1.7B.
Total debt has grown slower than revenue (-2.9% vs 1.9% per year).

Shareholder returns

Dividends have been paid for 15 consecutive years, consuming 65.1% of earnings and 88.8% of free cash flow.
The dividend has declined 14.0% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	FCF	Total debt	Cash
2025	$16M	$68M	0.0%	0.0%	$50M	$2.0B	$252M
2024	$15M	$38M	0.0%	0.0%	$24M	$2.2B	$217M
2023	$18M	-$102M	0.0%	0.0%	$41M	$2.9B	$246M
2022	$18M	$84M	0.0%	0.0%	$92M	$2.1B	$49M
2021	$17M	$76M	0.0%	0.0%	$65M	—	$42M
2020	$15M	$65M	0.0%	0.0%	$78M	—	$185M
2019	$17M	$94M	0.0%	0.0%	$69M	—	$220M
2018	$16M	$99M	0.0%	0.0%	$112M	—	$139M
2017	$15M	$84M	0.0%	0.0%	$76M	—	$352M
2016	—	$83M	—	—	$70M	—	$282M
2015	—	$78M	—	—	—	—	$773M
2014	—	$78M	—	—	—	—	$811M
2013	—	$69M	—	—	—	$2.8B	$114M
2012	—	$75M	—	—	$94M	$2.9B	$142M
2011	—	$38M	—	—	$53M	$2.9B	$121M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	FCF	Total debt	Cash
Mar '26	—	$20M	—	—	$20M	$1.7B	$331M
Dec '25	—	$20M	—	—	$16M	$1.8B	$233M
Sep '25	—	$19M	—	—	$20M	$2.0B	$252M
Jun '25	—	$18M	—	—	$11M	$2.1B	$175M
Mar '25	—	$15M	—	—	$15M	$2.1B	$340M
Dec '24	—	$15M	—	—	$4M	$2.2B	$170M
Sep '24	—	$12M	—	—	-$5M	$2.2B	$217M
Jun '24	—	$10M	—	—	$16M	$2.3B	$318M
Mar '24	—	$14M	—	—	$19M	$2.4B	$444M
Dec '23	—	$3M	—	—	-$7M	$2.4B	$320M
Sep '23	—	-$140M	—	—	$12M	$2.9B	$246M
Jun '23	—	$8M	—	—	$7M	—	$329M
Mar '23	—	$14M	—	—	$9M	—	$60M
Dec '22	—	$16M	—	—	$14M	—	$50M
Sep '22	—	$19M	—	—	$33M	$2.1B	$49M
Jun '22	—	$21M	—	—	$25M	—	$55M
Mar '22	—	$22M	—	—	$15M	—	$167M
Dec '21	—	$22M	—	—	$19M	—	$135M
Sep '21	—	$19M	—	—	$22M	—	$42M
Jun '21	—	$18M	—	—	$16M	—	$95M

Valuation over time

How the market has priced CFFN against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 10.1× (Mar '23) to 15.8× (Jun '26).
The price-to-sales ratio has risen from 47.1× (Mar '23) to 65.8× (Jun '26).
The dividend yield has fallen from 12.1% (Mar '23) to 4.1% (Jun '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is CFFN growing its revenue and profit?

Over the past 5 years, Capitol Federal Financial, Inc.'s revenue has grown 1.9% per year, and net income grown 1.1% per year. These are computed facts, not advice.

How much debt does CFFN have?

As of FY2025, Capitol Federal Financial, Inc. reported $2.0B of total debt against $252M of cash.

What is CFFN's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 417.3%.

What is CFFN's P/E ratio?

As of Jun '26, Capitol Federal Financial, Inc. traded at a price-to-earnings ratio of about 15.8× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.