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 Jun 29, 2026, 12:58 UTC 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

Return on equity & assets (ROE / ROA)

ROEROA

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	ROE	ROA	FCF	Total debt	Cash
2025	$16M	$68M	0.0%	0.0%	6.5%	0.7%	$50M	$2.0B	$252M
2024	$15M	$38M	0.0%	0.0%	3.7%	0.4%	$24M	$2.2B	$217M
2023	$18M	-$102M	0.0%	0.0%	-9.7%	-1.0%	$41M	$2.9B	$246M
2022	$18M	$84M	0.0%	0.0%	7.7%	0.9%	$92M	$2.1B	$49M
2021	$17M	$76M	0.0%	0.0%	6.1%	0.8%	$65M	—	$42M
2020	$15M	$65M	0.0%	0.0%	5.0%	0.7%	$78M	—	$185M
2019	$17M	$94M	0.0%	0.0%	7.1%	1.0%	$69M	—	$220M
2018	$16M	$99M	0.0%	0.0%	7.1%	1.0%	$112M	—	$139M
2017	$15M	$84M	0.0%	0.0%	6.1%	0.9%	$76M	—	$352M
2016	—	$83M	—	—	6.0%	0.9%	$70M	—	$282M
2015	—	$78M	—	—	5.5%	0.8%	—	—	$773M
2014	—	$78M	—	—	5.2%	0.8%	—	—	$811M
2013	—	$69M	—	—	4.2%	0.8%	—	$2.8B	$114M
2012	—	$75M	—	—	4.1%	0.8%	$94M	$2.9B	$142M
2011	—	$38M	—	—	2.0%	0.4%	$53M	$2.9B	$121M

Net income

Return on equity & assets (ROE / ROA)

ROEROA

Shareholders' equity (book value)

Equity

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	ROE	ROA	FCF	Total debt	Cash
Mar '26	—	$20M	—	—	2.0%	0.2%	$20M	$1.7B	$331M
Dec '25	—	$20M	—	—	1.9%	0.2%	$16M	$1.8B	$233M
Sep '25	—	$19M	—	—	1.8%	0.2%	$20M	$2.0B	$252M
Jun '25	—	$18M	—	—	1.8%	0.2%	$11M	$2.1B	$175M
Mar '25	—	$15M	—	—	1.5%	0.2%	$15M	$2.1B	$340M
Dec '24	—	$15M	—	—	1.5%	0.2%	$4M	$2.2B	$170M
Sep '24	—	$12M	—	—	1.2%	0.1%	-$5M	$2.2B	$217M
Jun '24	—	$10M	—	—	0.9%	0.1%	$16M	$2.3B	$318M
Mar '24	—	$14M	—	—	1.3%	0.1%	$19M	$2.4B	$444M
Dec '23	—	$3M	—	—	0.2%	0.0%	-$7M	$2.4B	$320M
Sep '23	—	-$140M	—	—	-13.4%	-1.4%	$12M	$2.9B	$246M
Jun '23	—	$8M	—	—	0.8%	0.1%	$7M	—	$329M
Mar '23	—	$14M	—	—	1.3%	0.1%	$9M	—	$60M
Dec '22	—	$16M	—	—	1.5%	0.2%	$14M	—	$50M
Sep '22	—	$19M	—	—	1.8%	0.2%	$33M	$2.1B	$49M
Jun '22	—	$21M	—	—	1.9%	0.2%	$25M	—	$55M
Mar '22	—	$22M	—	—	1.8%	0.2%	$15M	—	$167M
Dec '21	—	$22M	—	—	1.8%	0.2%	$19M	—	$135M
Sep '21	—	$19M	—	—	1.5%	0.2%	$22M	—	$42M
Jun '21	—	$18M	—	—	1.5%	0.2%	$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 10.0× (Mar '23) to 15.9× (Nov '26).
The price-to-sales ratio has risen from 46.7× (Mar '23) to 66.4× (Nov '26).
The dividend yield has fallen from 12.2% (Mar '23) to 4.1% (Nov '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?

Capitol Federal Financial, Inc.'s P/E (TTM) is 13.07 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the CFFN stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 15.9× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.