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Capitol Federal Financial, Inc. CFFN

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 1999-04-01

Capitol Federal Financial, Inc. statistics & valuation

Market cap$1.1B
P / E15.8×
P / S66.0×
P / B1.0×
P / FCF21.6×
Dividend yield4.12%
Net margin417.3%
Return on equity6.5%
FCF margin305.8%
Graham number +8.4%$9.63

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($9.63); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
558.90% 632.70% 567.70% 436.10% 461.10% 466.60% -577.60% 248.40% 417.30% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
6.00% 6.10% 7.10% 7.10% 5.00% 6.10% 7.70% -9.70% 3.70% 6.50% 2016201720182019202020212022202320242025
Shares outstanding
137.5M 138.2M 141.2M 141.4M 139.0M 138.8M 138.9M 135.9M 132.7M 132.2M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.90% 1.00% 1.00% 0.70% 0.80% 0.90% -1.00% 0.40% 0.70% 2016201720182019202020212022202320242025
Free cash flow margin (%)
507.00% 718.90% 417.00% 528.30% 394.30% 506.90% 234.40% 156.90% 305.80% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.63 $0.63 $0.73 $0.68 $0.47 $0.56 $0.62 -$0.76 $0.29 $0.52 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Capitol Federal Financial, Inc. trades at about 17.1× earnings — below its 10-year norm (10-year range 11.6×–24.4×, median 21.9×).

11.6× 24.4×

Shaded band = 10-year range (11.6×–24.4×); dot = today's 17.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin417.3%248.4%-577.6%466.6%461.1%436.1%567.7%632.7%558.9%—
FCF margin305.8%156.9%234.4%506.9%394.3%528.3%417.0%718.9%507.0%—
Return on assets0.7%0.4%-1.0%0.9%0.8%0.7%1.0%1.0%0.9%0.9%
Return on equity6.5%3.7%-9.7%7.7%6.1%5.0%7.1%7.1%6.1%6.0%

Computed from company filings · US · as of 2025-09-30. Facts plus Stocktoria's own computed scores — not investment advice.