Capitol Federal Financial, Inc. (CFFN)
Insiders here have filed 1 Form 4 in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $435.1M
- Net income
- $82.8M
- Net margin
- 19.0%
Heavily indebted for what it earns.
- Total debt
- $1.64B
- Cash
- $136.1M
- Net debt / EBITDA
- 13.65x
Comfortably covers what is due within a year.
- Current assets
- $8.30B
- Current liabilities
- $125.0M
- Current ratio
- 66.42
The business funds itself from operations.
- Operating cash flow
- $77.8M
- Free cash flow
- $71.5M
- FCF margin
- 16.4%
Not funding itself by issuing shares.
- Shares outstanding
- 124.0M
- Share growth (1y)
- -4.6%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
CFFN Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q4 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Oct 27, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 105.12 M | 110.02 M | 110.75 M | 109.18 M | 104.25 M | 102.25 M |
| Revenue Growth (YoY) | 0.83 % | 7.60 % | 8.87 % | 8.02 % | 5.33 % | 5.34 % |
| Cost of Revenue | 51.64 M | 54.67 M | 55.78 M | 55.78 M | 53.77 M | 54.34 M |
| Gross Profit | 53.48 M | 55.35 M | 54.97 M | 53.40 M | 50.48 M | 47.91 M |
| SG&A Expense | 19.33 M | 19.74 M | 17.91 M | 18.96 M | 17.80 M | 16.79 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 30.91 M | 30.27 M | 29.76 M | 30.36 M | 28.85 M | 28.66 M |
| Operating Income | 22.57 M | 25.08 M | 25.21 M | 23.04 M | 21.63 M | 19.25 M |
| Pretax Income | 29.24 M | 25.08 M | 25.21 M | 23.04 M | 21.63 M | 19.25 M |
| Tax Provision | 5.67 M | 4.93 M | 4.91 M | 4.22 M | 3.25 M | 3.85 M |
| Net Income | 23.57 M | 20.15 M | 20.30 M | 18.81 M | 18.38 M | 15.40 M |
| EPS (Basic) | 0.19 | 0.16 | 0.16 | 0.14 | 0.14 | 0.12 |
| EPS (Diluted) | 0.19 | 0.16 | 0.16 | 0.14 | 0.14 | 0.12 |
| Shares Outstanding | 124.01 M | 126.63 M | 128.95 M | 130.03 M | 130.03 M | 130.03 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.