Capitol Federal Financial (CFFN) Financial Statements & Analysis

Capitol Federal Financial (CFFN) Income Statement

Capitol Federal Financial reported revenue of $198.19M in fiscal 2025 (fiscal year ended Sep 30, 2025), up 19.4% from $166.05M a year earlier. Net income was $68.03M, up 79.0% year over year, a net margin of 34.3%. Gross margin was 99.6% and operating margin 41.9%. In the most recent quarter, Q3 fiscal 2026 (ended Jun 30, 2026), revenue was $60.58M, up 21.1% from the same quarter a year earlier.

Capitol Federal Financial Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Capitol Federal Financial, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017
Revenue & Gross Profit
Revenue	198.19	166.05	-20.88	220.05	278.75	321.69	349.43	338.31	330.10
Cost of Revenue	219.95	216.04	213.36	82.32	74.67	137.94	124.31	123.12	117.80
Gross Profit	197.45	163.33	-27.72	217.26	204.08	183.74	225.12	215.19	212.29
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	69.65	48.30	60.25	48.80	63.68	75.77	77.18	68.87	62.93
Operating Expenses	114.43	109.22	111.24	110.05	108.06	103.11	104.47	91.28	84.37
Operating Income	83.02	54.10	-138.96	107.20	96.03	80.63	120.65	123.91	127.92
Other Income/Expense
Interest Income	399.52	376.84	359.79	279.54	258.18	304.98	329.95	321.89	313.19
Interest Expense	219.21	214.78	206.52	86.95	83.18	115.64	123.56	123.12	117.80
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	83.02	54.10	-138.96	107.20	96.03	80.63	120.65	123.91	127.92
Income Tax Expense	15.00	16.09	-37.30	22.75	19.95	16.09	26.41	24.98	43.78
Net Income	68.03	38.01	-101.66	84.45	76.08	64.54	94.24	98.93	84.14
Net Income - Continuous Operations	68.03	38.01	-101.66	84.45	76.08	64.54	94.24	98.93	84.14
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	90.74	8.70	10.11	10.74	106.98	91.73	132.11	132.60	135.72
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	7.72	8.70	10.11	10.74	10.95	11.10	11.46	8.69	7.80
Earnings Per Share
Basic EPS	1.00	-	-1.00	1.00	1.00	-	1.00	1.00	1.00
Diluted EPS	1.00	-	-1.00	1.00	1.00	-	1.00	1.00	1.00
Basic Shares Outstanding	129.73	130.67	133.13	135.70	135.48	137.90	137.68	134.70	134.08
Diluted Shares Outstanding	129.73	130.67	133.13	135.70	135.50	137.90	137.74	134.76	134.24

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Capitol Federal Financial Financial Statements

What was Capitol Federal Financial's revenue in fiscal 2025?

Capitol Federal Financial reported revenue of $198.19M in fiscal 2025 (fiscal year ended Sep 30, 2025). That was up 19.4% from $166.05M a year earlier.

Is Capitol Federal Financial profitable?

Yes. Capitol Federal Financial earned net income of $68.03M in fiscal 2025, a net margin of 34.3%. In fiscal 2024 it earned $38.01M.

What is Capitol Federal Financial's operating margin?

Capitol Federal Financial's operating income was $83.02M on revenue of $198.19M in fiscal 2025, an operating margin of 41.9%, compared with 32.6% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition