CFFNNasdaqSavings Institution, Federally CharteredFiscal year ends September 30
Capitol Federal Financial, Inc.
Financials through Q3 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$8.09−0.08 (-0.98%)
Close on Oct 19, 2026
- Market cap
- $1.00B
- P/E (TTM)
- 12.4
- Dividend yield
- 4.20%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
417.3%−18.7 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +6.5% | -3.4% | +1.9% | -22.6% | |
| Net income | +79.0% | -7.0% | +1.1% | -1.4% | |
| EPS, diluted | +79.3% | -5.7% | +2.0% | -1.1% | |
| Free cash flow | +107.7% | -18.4% | -8.6% | -4.0% | |
| Dividend per share | 0.0% | -23.5% | -12.9% | -8.6% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 5.9% | 4.9% | 6.5% | |
| Return on assets | 0.9% | 0.7% | 0.7% | |
| Capex to revenue | 6.9% | 99.6% | 31.9% | |
| Diluted shares | 133M | 138M | 130M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Capitol Federal Financial generated $305.52M from operations and spent $477.96M on capital expenditure, dividends and share buybacks. 7% of that went back into the business.
Generated
$305.52M
Used
$477.96M
Capital expenditure$33.63M7%Dividends$392.97M82%Share buybacks$51.36M11%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin417.3%
×Asset turnover0.00×
×Equity multiplier9.28×
=Return on equity, FY20256.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 417.3% | 0.00× | 9.28× | 6.5% |
| FY2024 | 248.4% | 0.00× | 9.49× | 3.7% |
| FY2023 | -577.6% | 0.00× | 9.25× | -9.5% |
| FY2022 | 466.6% | 0.00× | 8.23× | 7.2% |
| FY2021 | 461.1% | 0.00× | 7.57× | 6.0% |
| FY2020 | 436.1% | 0.00× | 7.18× | 4.9% |
| FY2019 | 567.7% | 0.00× | 6.89× | 6.9% |
| FY2018 | 632.7% | 0.00× | 6.75× | 7.2% |
| FY2017 | 558.9% | 0.00× | 6.69× | 6.1% |
| FY2016 | 38.7% | 0.02× | 6.80× | 5.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$68.03M
- Cash generatingOperating cash flow above zero$55.04M
- Return on assets improvedROA up on the prior year0.4% → 0.7%
- Earnings backed by cashOperating cash flow above net income$55.04M vs $68.03M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise131M → 130M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00