Capitol Federal Financial, Inc. (CFFN)
Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014Q4-CY2013
Balance Sheet Date2025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-312013-Dec-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue54,574,000$50,746,000$48,793,000$46,923,000$45,610,000$45,033,000$45,963,000$30,699,000$(156,969,000$)40,564,000$47,042,000$51,180,000$55,691,000$56,096,000$52,517,000$51,120,000$50,847,000$47,807,000$55,550,000$48,883,000$50,668,000$50,726,000$53,339,000$54,201,000$55,670,000$57,355,000$57,598,000$57,725,000$55,897,000$54,857,000$55,322,000$54,732,000$55,553,000$54,824,000$54,627,000$52,574,000$53,423,000$53,359,000$55,164,000$53,548,000$53,401,000$52,158,000$52,056,000$53,293,000$54,082,000$51,817,000$51,454,000$49,745,000$
QoQ%7.54%4.00%3.99%2.88%1.28%(2.02%)49.72%119.56%(486.97%)(13.77%)(8.09%)(8.10%)(.72%)6.82%2.73%.54%6.36%(13.94%)13.64%(3.52%)(.11%)(4.90%)(1.59%)(2.64%)(2.94%)(.42%)(.22%)3.27%1.90%(.84%)1.08%(1.48%)1.33%.36%3.91%(1.59%).12%(3.27%)3.02%.28%2.38%.20%(2.32%)(1.46%)4.37%.71%3.44%.37%
YoY%19.65%12.69%6.16%52.85%129.06%11.02%(2.29%)(40.02%)(381.86%)(27.69%)(10.43%).12%9.53%17.34%(5.46%)4.58%.35%(5.75%)4.15%(9.81%)(8.99%)(11.56%)(7.39%)(6.11%)(.41%)4.55%4.11%5.47%.62%.06%1.27%4.11%3.99%2.75%(.97%)(1.82%).04%2.30%5.97%.48%(1.26%).66%1.17%7.13%9.12%3.17%2.37%(3.22%)
Cost Of Revenue519,000$(451,000$)0$677,000$(637,000$)1,472,000$301,000$123,000$963,000$1,324,000$891,000$3,660,000$1,060,000$937,000$(3,188,000$)(3,439,000$)(1,323,000$)(2,691,000$)(2,964,000$)(1,532,000$)0$0$22,075,000$225,000$300,000$450,000$0$0$0$0$0$0$0$0$0$0$(750,000$)0$0$0$0$323,000$275,000$173,000$427,000$307,000$160,000$515,000$
Gross Profit54,055,000$51,197,000$48,793,000$46,246,000$46,247,000$43,561,000$45,662,000$30,576,000$(157,932,000$)39,240,000$46,151,000$47,520,000$54,631,000$55,159,000$55,705,000$54,559,000$52,170,000$50,498,000$58,514,000$50,415,000$50,668,000$50,726,000$31,264,000$53,976,000$55,370,000$56,905,000$57,598,000$57,725,000$55,897,000$54,857,000$55,322,000$54,732,000$55,553,000$54,824,000$54,627,000$52,574,000$54,173,000$53,359,000$55,164,000$53,548,000$53,401,000$51,835,000$51,781,000$53,120,000$53,655,000$51,510,000$51,294,000$49,230,000$
Gross Margin99.05%100.89%100.00%98.56%101.40%96.73%99.35%99.60%100.61%96.74%98.11%92.85%98.10%98.33%106.07%106.73%102.60%105.63%105.34%103.13%100.00%100.00%58.61%99.59%99.46%99.22%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%101.40%100.00%100.00%100.00%100.00%99.38%99.47%99.68%99.21%99.41%99.69%98.97%
Operating Expenses31,018,000$29,564,000$29,540,000$27,148,000$27,040,000$27,950,000$28,445,000$28,508,000$28,194,000$29,336,000$28,631,000$27,773,000$29,807,000$28,390,000$27,960,000$26,694,000$28,247,000$27,602,000$32,653,000$27,067,000$27,176,000$26,164,000$26,164,000$26,500,000$26,330,000$27,691,000$26,141,000$26,782,000$26,757,000$24,511,000$23,598,000$22,036,000$23,479,000$22,645,000$21,937,000$21,597,000$23,962,000$23,327,000$23,426,000$23,590,000$25,262,000$23,106,000$22,859,000$23,142,000$23,542,000$22,380,000$21,828,000$22,787,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses55,261,000$54,220,000$54,335,000$55,392,000$56,043,000$54,671,000$51,969,000$52,099,000$57,524,000$55,894,000$47,587,000$45,512,000$33,542,000$19,431,000$17,121,000$16,852,000$18,224,000$19,301,000$21,261,000$24,394,000$25,923,000$28,094,000$30,287,000$31,339,000$33,474,000$30,530,000$29,440,000$30,120,000$27,236,000$32,728,000$31,885,000$31,270,000$30,916,000$30,266,000$28,606,000$28,016,000$27,863,000$27,597,000$27,094,000$26,377,000$26,471,000$27,161,000$27,098,000$26,864,000$26,261,000$25,723,000$26,130,000$27,989,000$
Income Before Tax23,037,000$21,633,000$19,253,000$19,098,000$19,207,000$15,611,000$17,217,000$2,068,000$(186,126,000$)9,904,000$17,520,000$19,747,000$24,824,000$26,769,000$27,745,000$27,865,000$23,923,000$22,896,000$25,861,000$23,348,000$23,492,000$24,562,000$5,100,000$27,476,000$29,040,000$29,214,000$31,457,000$30,943,000$29,140,000$30,346,000$31,724,000$32,696,000$32,074,000$32,179,000$32,690,000$30,977,000$30,211,000$30,032,000$31,738,000$29,958,000$28,139,000$28,729,000$28,922,000$29,978,000$30,113,000$29,130,000$29,466,000$26,443,000$
Tax Expenses4,224,000$3,251,000$3,854,000$3,667,000$7,150,000$5,963,000$3,455,000$(475,000$)(45,736,000$)1,602,000$3,331,000$3,507,000$5,332,000$5,617,000$6,122,000$5,679,000$5,370,000$4,709,000$5,417,000$4,450,000$5,213,000$5,088,000$824,000$4,965,000$6,631,000$6,317,000$6,903,000$6,560,000$7,751,000$7,974,000$8,394,000$860,000$11,472,000$10,809,000$11,103,000$10,399,000$9,513,000$9,481,000$10,211,000$9,240,000$9,354,000$9,127,000$9,688,000$9,506,000$9,903,000$9,147,000$9,778,000$8,630,000$
Net Income18,813,000$18,382,000$15,399,000$15,431,000$12,057,000$9,648,000$13,762,000$2,543,000$(140,390,000$)8,302,000$14,189,000$16,240,000$19,492,000$21,152,000$21,623,000$22,186,000$18,553,000$18,187,000$20,444,000$18,898,000$18,279,000$19,474,000$4,276,000$22,511,000$22,409,000$22,897,000$24,554,000$24,383,000$21,389,000$22,372,000$23,330,000$31,836,000$20,602,000$21,370,000$21,587,000$20,578,000$20,698,000$20,551,000$21,527,000$20,718,000$18,785,000$19,602,000$19,234,000$20,472,000$20,210,000$19,983,000$19,688,000$17,813,000$
Profit Margin34.47%36.22%31.56%32.89%26.44%21.42%29.94%8.28%89.44%20.47%30.16%31.73%35.00%37.71%41.17%43.40%36.49%38.04%36.80%38.66%36.08%38.39%8.02%41.53%40.25%39.92%42.63%42.24%38.27%40.78%42.17%58.17%37.09%38.98%39.52%39.14%38.74%38.52%39.02%38.69%35.18%37.58%36.95%38.41%37.37%38.57%38.26%35.81%
TTM33.84%31.90%28.19%27.73%22.72%324.42%291.33%298.36%559.09%29.94%33.84%36.43%39.20%39.66%39.82%38.66%37.46%37.36%37.46%29.92%30.89%32.10%32.69%41.09%41.27%40.78%41.00%40.87%44.80%44.52%44.07%43.41%38.67%39.10%38.98%38.86%38.75%37.86%37.63%37.10%37.03%37.58%37.82%38.15%37.52%36.31%35.61%34.83%
Earnings to Minority24,000$22,000$18,000$18,000$12,000$10,000$10,000$2,000$(69,000$)4,000$6,000$7,000$10,000$11,000$12,000$12,000$11,000$12,000$14,000$13,000$14,000$16,000$3,000$19,000$20,000$16,000$10,000$9,000$8,000$9,000$10,000$13,000$8,000$11,000$12,000$13,000$12,000$11,000$16,000$27,000$23,000$24,000$27,000$42,000$41,000$41,000$44,000$50,000$
Earnings to Common Shareholders18,789,000$18,360,000$15,381,000$15,413,000$12,045,000$9,638,000$13,752,000$2,541,000$(140,321,000$)8,298,000$14,183,000$16,233,000$19,482,000$21,141,000$21,611,000$22,174,000$18,542,000$18,175,000$20,430,000$18,885,000$18,265,000$19,458,000$4,273,000$22,492,000$22,389,000$22,881,000$24,544,000$24,374,000$21,381,000$22,363,000$23,320,000$31,823,000$20,594,000$21,359,000$21,575,000$20,565,000$20,686,000$20,540,000$21,511,000$20,691,000$18,762,000$19,578,000$19,207,000$20,430,000$20,169,000$19,942,000$19,644,000$17,763,000$
QoQ%2.34%19.37%(.21%)27.96%24.97%(29.92%)441.20%101.81%(1,791.02%)(41.49%)(12.63%)(16.68%)(7.85%)(2.18%)(2.54%)19.59%2.02%(11.04%)8.18%3.39%(6.13%)355.37%(81.00%).46%(2.15%)(6.78%).70%14.00%(4.39%)(4.10%)(26.72%)54.53%(3.58%)(1.00%)4.91%(.59%).71%(4.51%)3.96%10.28%(4.17%)1.93%(5.99%)1.29%1.14%1.52%10.59%10.86%
YoY%55.99%90.50%11.85%506.57%108.58%16.15%(3.04%)(84.35%)(820.26%)(60.75%)(34.37%)(26.79%)5.07%16.32%5.78%17.42%1.52%(6.59%)378.12%(16.04%)(18.42%)(14.96%)(82.59%)(7.72%)4.71%2.32%5.25%(23.41%)3.82%4.70%8.09%54.74%(.45%)3.99%.30%(.61%)10.26%4.91%12.00%1.28%(6.98%)(1.83%)(2.23%)15.01%25.88%11.13%11.21%1.49%
Earnings Per Share, Basic0.14$0.14$0.12$0.12$0.09$0.07$0.11$0.02$(1.05$)0.06$0.11$0.12$0.14$0.16$0.16$0.16$0.14$0.13$0.15$0.14$0.13$0.14$0.03$0.16$0.16$0.17$0.18$0.18$0.16$0.17$0.17$0.24$0.15$0.16$0.16$0.15$0.16$0.15$0.16$0.16$0.14$0.14$0.14$0.15$0.15$0.14$0.14$0.12$
Earnings Per Share, Diluted0.14$0.14$0.12$0.12$0.09$0.07$0.11$0.02$(1.05$)0.06$0.11$0.12$0.14$0.16$0.16$0.16$0.14$0.13$0.15$0.14$0.13$0.14$0.03$0.16$0.16$0.17$0.18$0.18$0.16$0.17$0.17$0.24$0.15$0.16$0.16$0.15$0.15$0.15$0.16$0.16$0.14$0.14$0.14$0.15$0.15$0.14$0.14$0.12$
Unlevered FCF Per Share, Basic0.15$0.08$0.11$0.03$(0.04$)0.13$0.15$(0.05$)0.09$0.05$0.07$0.10$0.24$0.18$0.11$0.14$0.16$0.12$0.07$0.13$0.13$0.20$0.06$0.17$0.16$0.14$0.11$0.09$0.22$0.15$0.16$0.31$0.19$0.12$0.07$0.19$
Unlevered FCF Per Share, Diluted0.15$0.08$0.11$0.03$(0.04$)0.13$0.15$(0.05$)0.09$0.05$0.07$0.10$0.24$0.18$0.11$0.14$0.16$0.12$0.07$0.13$0.13$0.20$0.06$0.17$0.16$0.14$0.11$0.09$0.22$0.15$0.16$0.31$0.19$0.12$0.07$0.19$
Average Shares, Basic129,872,190130,081,065130,025,900129,972,969129,927,164129,866,397130,536,246132,353,313133,237,545133,198,755133,150,224134,640,932135,773,365135,724,658135,676,722135,627,043135,571,490135,504,869135,450,878135,397,691137,705,000138,018,052137,968,327137,898,010137,801,000137,720,000137,635,000137,551,000135,500,000134,484,000134,428,000134,373,000134,314,000134,254,000134,066,000133,697,000133,296,000133,102,000132,960,000132,822,000133,515,000135,746,000136,208,000136,088,000137,047,000138,332,000139,489,000142,882,000
Average Shares, Diluted129,872,190130,081,065130,025,900129,972,969129,927,164129,866,397130,536,246132,353,313133,237,545133,198,755133,150,224134,640,932135,773,365135,724,658135,676,722135,627,043135,548,174135,537,152135,498,170135,398,884137,705,000138,018,052138,000,334137,976,122137,867,000137,788,000137,691,000137,592,000135,556,000134,530,000134,475,000134,467,000134,404,000134,360,000134,259,000133,950,000133,493,000133,251,000133,031,000132,911,000133,533,000135,763,000136,246,000136,116,000137,051,000138,334,000139,489,000142,883,000
EBIT78,298,000$75,853,000$73,588,000$74,490,000$75,250,000$70,282,000$69,186,000$54,167,000$(128,602,000$)65,798,000$65,107,000$65,259,000$58,366,000$46,200,000$44,866,000$44,717,000$42,147,000$42,197,000$47,122,000$47,742,000$49,415,000$52,656,000$35,387,000$58,815,000$62,514,000$59,744,000$60,897,000$61,063,000$56,376,000$63,074,000$63,609,000$63,966,000$62,990,000$62,445,000$61,296,000$58,993,000$58,074,000$57,629,000$58,832,000$56,335,000$54,610,000$55,890,000$56,020,000$56,842,000$56,374,000$54,853,000$55,596,000$54,432,000$
EBITDA78,298,000$75,853,000$73,588,000$74,490,000$75,250,000$70,282,000$69,186,000$54,167,000$(128,602,000$)65,798,000$65,107,000$65,259,000$58,366,000$46,200,000$44,866,000$44,717,000$42,147,000$42,197,000$47,122,000$47,742,000$49,415,000$52,656,000$35,387,000$58,815,000$62,514,000$59,744,000$60,897,000$61,063,000$56,376,000$63,074,000$63,609,000$63,966,000$62,990,000$62,445,000$61,296,000$58,993,000$58,074,000$57,629,000$58,832,000$56,335,000$54,610,000$55,890,000$56,020,000$56,842,000$56,374,000$54,853,000$55,596,000$54,432,000$