Capitol Federal Financial, Inc. (CFFN) Balance Sheet
CFFN balance sheet, FY2025
September 30, 2025 · U.S. dollars$9.78B assets = $8.73B liabilities + $1.05B equity
Both columns are drawn to the same scale: what CFFN owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CFFN financial health
Descriptive bands, not a rating. Fiscal FY2025.
CFFN balance sheet trends, FY2016–FY2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $9.27BFY2016 | $9.78BFY2025 | +0.6%/yr | |
| Total liabilities | $7.87BFY2016 | $8.73BFY2025 | +1.2%/yr | |
| Shareholders’ equity | $1.39BFY2016 | $1.05BFY2025 | −3.1%/yr | |
| Cash & short-term investments | $809.1MFY2016 | $1.12BFY2025 | +3.7%/yr | |
| Total debt | $2.57BFY2016 | $1.95BFY2025 | −3.0%/yr | |
| Net cash (debt) | −$1.76BFY2016 | −$831.1MFY2025 | +$932.2M | |
| Working capital | −$4.60BFY2016 | −$5.47BFY2025 | −$867.3M | |
| Book value per share | $10.46FY2016 | $8.06FY2025 | −2.9%/yr | |
| Debt / equity | 1.85FY2016 | 1.86FY2025 | +0.02 | |
| Shares outstanding | 133.2MFY2016 | 130.0MFY2025 | −0.3%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CFFN assets
CFFN liabilities and equity
CFFN debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CFFN balance sheet
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $1.12B | $1.07B | $1.63B | $1.61B | $2.06B | $1.75B | $1.43B | $853.7M | $767.5M | $809.1M |
| Cash & equivalents | $252.4M | $217.3M | $245.6M | $49.2M | $42.3M | $185.1M | $220.4M | $139.1M | $351.7M | $281.8M |
| Short-term investments | $867.2M | $856.3M | $1.38B | $1.56B | $2.01B | $1.56B | $1.20B | $714.6M | $415.8M | $527.3M |
| Receivables | $220,000 | $359,000 | $8.5M | $1.3M | $7.08B | $7.20B | $2,000 | $2.2M | $7.20B | $6.96B |
| Inventory | $0 | $0 | −$291.0M | −$47.9M | −$7.17B | −$7.44B | −$255.0M | −$145.3M | −$7.55B | −$7.24B |
| Other current assets | $0 | $0 | $282.5M | $46.6M | $89.1M | $239.9M | $255.0M | $145.3M | $353.1M | $285.5M |
| Total current assets | $1.12B | $1.07B | $1.63B | $1.61B | $2.06B | $1.75B | $1.43B | $855.8M | $767.5M | $809.1M |
| Property, plant & equipment (net) | $89.3M | $91.5M | $91.5M | $94.8M | $99.1M | $101.9M | $96.8M | $96.0M | $84.8M | $83.2M |
| Goodwill & intangible assets | $9.5M | $10.1M | $10.8M | $11.9M | $13.3M | $14.9M | $16.8M | $17.8M | $0 | $0 |
| Long-term investments | $867.2M | $856.3M | $1.38B | $1.56B | $2.01B | $1.56B | $0 | $0 | $0 | $0 |
| Other non-current assets | $7.69B | $7.50B | $7.06B | $6.34B | $5.45B | $6.06B | $7.80B | $8.48B | $8.34B | $8.37B |
| Total assets | $9.78B | $9.53B | $10.18B | $9.62B | $9.63B | $9.49B | $9.34B | $9.45B | $9.19B | $9.27B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | — | $129.3M | $146.9M | $101.9M | $83.0M | $52.2M | $49.5M |
| Short-term debt | $425.0M | $650.7M | $1.02B | $330.8M | $176.2M | $844.2M | $1.19B | $110.1M | $200.0M | $200.0M |
| Deferred revenue | — | — | — | — | −$129.3M | −$146.9M | −$101.9M | −$83.0M | −$52.2M | −$49.5M |
| Total current liabilities | $6.59B | $6.13B | $6.05B | $6.19B | $6.73B | $6.34B | $5.68B | $5.80B | $5.56B | $5.41B |
| Long-term debt | $1.95B | $2.18B | $2.88B | $2.13B | $1.58B | $1.79B | $0 | $0 | $0 | $0 |
| Lease obligations | $1.1M | $1.1M | — | — | — | — | — | — | — | — |
| Other long-term liabilities | $189.9M | $186.9M | $203.1M | $201.4M | $79.5M | $74.7M | $2.32B | $2.26B | $2.26B | $2.46B |
| Total liabilities | $8.73B | $8.50B | $9.13B | $8.53B | $8.39B | $8.20B | $8.00B | $8.06B | $7.82B | $7.87B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $1.3M | $1.3M | $1.4M | $1.4M | $1.4M | $1.4M | $1.4M | $1.4M | $1.4M | $1.4M |
| Retained earnings (deficit) | −$87.3M | −$111.1M | −$104.6M | $80.3M | $98.9M | $143.2M | $174.3M | $214.6M | $234.6M | $268.5M |
| Accumulated other comprehensive income | $15.8M | $21.6M | $8.7M | −$145.6M | −$16.3M | −$16.5M | −$14.9M | $4.3M | $2.9M | $5.9M |
| Total shareholders' equity | $1.05B | $1.03B | $1.04B | $1.10B | $1.24B | $1.28B | $1.34B | $1.39B | $1.37B | $1.39B |
| Key figures | ||||||||||
| Total debt | $1.95B | $2.18B | $2.38B | $2.13B | $1.58B | $1.79B | $2.24B | $2.40B | $2.37B | $2.57B |
| Net cash (debt) | −$831.1M | −$1.11B | −$749.0M | −$519.7M | $474.0M | −$43.2M | −$814.8M | −$1.54B | −$1.61B | −$1.76B |
| Working capital | −$5.47B | −$5.06B | −$4.42B | −$4.58B | −$4.67B | −$4.59B | −$4.26B | −$4.94B | −$4.79B | −$4.60B |
| Tangible book value | $1.04B | $1.02B | $1.03B | $1.08B | $1.23B | $1.27B | $1.32B | $1.37B | $1.37B | $1.39B |
| Book value per share | $8.06 | $7.90 | $7.82 | $8.08 | $9.17 | $9.32 | $9.70 | $10.33 | $10.19 | $10.46 |
| Shares outstanding | 130.0M | 130.7M | 133.6M | 135.7M | 135.5M | 137.9M | 137.7M | 134.8M | 134.2M | 133.2M |
| Current ratio | 0.17 | 0.18 | 0.27 | 0.26 | 0.31 | 0.28 | 0.25 | 0.15 | 0.14 | 0.15 |
| Quick ratio | 0.17 | 0.18 | 0.27 | 0.26 | 1.36 | 1.41 | 0.25 | 0.15 | 1.43 | 1.43 |
| Debt / equity | 1.86 | 2.11 | 2.28 | 1.94 | 1.27 | 1.39 | 1.68 | 1.72 | 1.73 | 1.85 |
| Equity / assets | 10.7% | 10.8% | 10.3% | 11.4% | 12.9% | 13.5% | 14.3% | 14.7% | 14.9% | 15.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $136.1M | $1.14B | $1.06B | $1.12B | $1.13B | $1.30B | $1.03B | $1.07B | $1.12B | $1.29B | $1.06B | $1.63B |
| Cash & equivalents | $136.1M | $330.9M | $232.6M | $252.4M | $175.0M | $340.4M | $170.3M | $217.3M | $317.8M | $443.5M | $320.4M | $245.6M |
| Short-term investments | $779.7M | $805.8M | $829.7M | $867.2M | $956.2M | $961.4M | $861.5M | $856.3M | $802.0M | $843.0M | $740.5M | $1.38B |
| Receivables | $8.17B | $8.11B | $8.18B | $220,000 | $1.1M | $1.4M | $843,000 | $359,000 | $129,000 | $2.6M | $3.9M | $8.5M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$217.7M | −$8.25B | −$8.32B | −$328.7M | −$291.0M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $217.7M | $8.25B | $8.32B | $328.7M | $291.0M |
| Total current assets | $8.30B | $16.3M | $8.41B | $1.12B | $1.13B | $1.30B | $1.03B | $1.07B | $1.12B | $1.29B | $1.06B | $1.64B |
| Property, plant & equipment (net) | $88.5M | $88.4M | $88.8M | $89.3M | $89.0M | $89.1M | $90.3M | $91.5M | $92.1M | $91.1M | $91.5M | $91.5M |
| Goodwill & intangible assets | $0 | $0 | $0 | $9.5M | $0 | $0 | $0 | $10.1M | $0 | $0 | $0 | $10.8M |
| Long-term investments | $783.6M | $809.6M | $829.7M | $867.2M | $956.2M | $961.4M | $861.5M | $856.3M | $802.0M | $843.0M | $740.5M | $1.38B |
| Other non-current assets | $487.3M | $8.91B | $450.6M | $7.69B | $7.52B | $7.37B | $7.55B | $7.50B | $7.59B | $7.50B | $7.68B | $7.05B |
| Total assets | $9.66B | $9.83B | $9.78B | $9.78B | $9.69B | $9.72B | $9.54B | $9.53B | $9.60B | $9.72B | $9.58B | $10.18B |
| Liabilities | ||||||||||||
| Short-term debt | $125.0M | $175.0M | $275.0M | $425.0M | $100.0M | $300.0M | $450.0M | $650.7M | $175.0M | $275.0M | $340.0M | $1.02B |
| Total current liabilities | $125.0M | $175.0M | $275.0M | $6.59B | $6.43B | $6.37B | $6.21B | $6.13B | $6.13B | $6.14B | $6.02B | $6.05B |
| Long-term debt | $1.64B | $1.71B | $1.83B | $1.95B | $2.07B | $2.14B | $2.16B | $2.18B | $2.29B | $2.35B | $2.37B | $2.88B |
| Lease obligations | — | — | — | $1.1M | — | — | — | $1.1M | — | — | — | — |
| Other long-term liabilities | $6.88B | $6.92B | $6.63B | $189.9M | $143.9M | $165.6M | $141.3M | $186.9M | $160.8M | $203.7M | $147.3M | $203.1M |
| Total liabilities | $8.64B | $8.80B | $8.74B | $8.73B | $8.65B | $8.68B | $8.51B | $8.50B | $8.58B | $8.70B | $8.54B | $9.13B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.4M |
| Retained earnings (deficit) | −$60.8M | −$73.8M | −$78.0M | −$87.3M | −$95.1M | −$102.4M | −$106.7M | −$111.1M | −$112.1M | −$110.7M | −$113.4M | −$104.6M |
| Accumulated other comprehensive income | $8.1M | $11.6M | $16.2M | $15.8M | $18.5M | $17.1M | $11.6M | $21.6M | $11.4M | $14.5M | $19.2M | $8.7M |
| Total shareholders' equity | $1.02B | $1.03B | $1.04B | $1.05B | $1.05B | $1.04B | $1.03B | $1.03B | $1.02B | $1.02B | $1.03B | $1.04B |
| Key figures | ||||||||||||
| Total debt | $1.64B | $1.71B | $1.83B | $1.95B | $2.07B | $2.14B | $2.16B | $2.18B | $2.29B | $2.35B | $2.37B | $2.38B |
| Net cash (debt) | −$1.50B | −$570.4M | −$767.6M | −$831.1M | −$940.4M | −$841.1M | −$1.13B | −$1.11B | −$1.17B | −$1.06B | −$1.31B | −$749.0M |
| Working capital | $8.18B | −$158.7M | $8.13B | −$5.47B | −$5.30B | −$5.07B | −$5.17B | −$5.06B | −$5.01B | −$4.85B | −$4.96B | −$4.41B |
| Tangible book value | $1.02B | $1.03B | $1.04B | $1.04B | $1.05B | $1.04B | $1.03B | $1.02B | $1.02B | $1.02B | $1.03B | $1.03B |
| Book value per share | $8.24 | $8.10 | $8.08 | $8.06 | $8.05 | $7.98 | $7.90 | $7.95 | $7.86 | $7.85 | $7.81 | $7.84 |
| Shares outstanding | 124.0M | 126.6M | 129.0M | 130.0M | 130.0M | 130.0M | 130.0M | 129.9M | 129.9M | 130.5M | 132.4M | 133.2M |
| Current ratio | 66.42 | 0.09 | 30.58 | 0.17 | 0.18 | 0.20 | 0.17 | 0.18 | 0.18 | 0.21 | 0.18 | 0.27 |
| Quick ratio | 66.42 | 52.86 | 33.60 | 0.17 | 0.18 | 0.20 | 0.17 | 0.18 | 0.18 | 0.21 | 0.18 | 0.27 |
| Debt / equity | 1.60 | 1.66 | 1.76 | 1.86 | 1.98 | 2.07 | 2.11 | 2.11 | 2.25 | 2.29 | 2.29 | 2.28 |
| Equity / assets | 10.6% | 10.4% | 10.6% | 10.7% | 10.8% | 10.7% | 10.8% | 10.8% | 10.6% | 10.5% | 10.8% | 10.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed November 26, 2025); data from EODHD.
CFFN financial position
At the end of fiscal 2025 (September 30, 2025), Capitol Federal Financial had total assets of $9.8 billion (up 2.6% from a year earlier), total liabilities of $8.7 billion and shareholders' equity of $1.0 billion. It held $1.1 billion in cash and short-term investments against $2.0 billion of debt, net debt of $831.1 million. Its current ratio was 0.17. In the latest quarter (ended June 30, 2026) total assets were $9.7 billion and equity $1.0 billion.
Related: CFFN income statement, CFFN cash flow statement, CFFN key metrics. See the CFFN stock overview for the latest quote and news.
CFFN balance sheet FAQ
What are Capitol Federal Financial's total assets?
Capitol Federal Financial reported total assets of $9.8 billion at the end of fiscal 2025 (September 30, 2025), compared with $9.5 billion a year earlier.
How much debt does Capitol Federal Financial have?
Capitol Federal Financial had $2.0 billion of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 1.86.
How much cash does Capitol Federal Financial have?
Capitol Federal Financial held $1.1 billion in cash and short-term investments at the end of fiscal 2025; with $2.0 billion of debt that is net debt of $831.1 million.
What is Capitol Federal Financial's book value?
Capitol Federal Financial's shareholders' equity (book value) was $1.0 billion at the end of fiscal 2025, or $8.06 per share.
What is Capitol Federal Financial's current ratio?
Capitol Federal Financial had current assets of $1.1 billion and current liabilities of $6.6 billion, a current ratio of 0.17 (current liabilities exceed current assets).
How much goodwill does Capitol Federal Financial have?
Capitol Federal Financial carried $9.5 million of goodwill and intangible assets, 0.1% of total assets, at the end of fiscal 2025.