Capitol Federal Financial, Inc. (CFFN) Income Statement
CFFN FY2025 at a glance
Fiscal year ended September 30, 2025 · U.S. dollarsCFFN revenue and net income
Where CFFN's revenue goes
FY2025Each bar shows an amount and its share of revenue. CFFN kept 16.3% of revenue as net income.
CFFN profit margins
CFFN growth rates
to FY2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +10.0% | +11.7% | +5.3% | +3.1% |
| Gross profit | +20.9% | −3.1% | +1.4% | −0.1% |
| Operating income | +53.4% | −8.2% | +0.6% | −3.3% |
| Net income | +79.0% | −7.0% | +1.1% | −1.4% |
| EPS (diluted) | +40.5% | −5.7% | +2.5% | −0.9% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CFFN quarterly EPS vs estimates
Capitol Federal Financial beat the analyst EPS estimate in 8 of the last 8 quarters. Next report: November 4, 2026 (estimate $0.19).
CFFN income statement
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $417.4M | $379.4M | $185.6M | $299.6M | $278.8M | $321.7M | $349.4M | $338.3M | $330.1M | $315.0M |
| Cost of revenue | $220.0M | $216.0M | $213.4M | $82.3M | $74.7M | $137.9M | $124.3M | $123.1M | $117.8M | $108.2M |
| Gross profit | $197.4M | $163.3M | −$27.7M | $217.3M | $204.1M | $183.7M | $225.1M | $215.2M | $212.3M | $206.8M |
| Sales, general & admin | $69.7M | $62.6M | $60.3M | $64.8M | $63.7M | $75.8M | $77.2M | $68.9M | $62.9M | $62.6M |
| Total operating expenses | $114.4M | $109.2M | $111.2M | $110.1M | $108.1M | $103.1M | $104.5M | $91.3M | $84.4M | $84.8M |
| Operating income | $83.0M | $54.1M | −$139.0M | $107.2M | $96.0M | $80.6M | $120.7M | $123.9M | $127.9M | $121.9M |
| Interest income | $399.5M | $376.8M | $359.8M | $279.5M | $258.2M | $305.0M | — | — | — | — |
| Interest expense | $219.2M | $214.8M | $206.5M | $86.9M | $83.2M | $115.6M | $123.6M | $123.1M | $117.8M | $108.9M |
| Income before taxes | $83.0M | $54.1M | −$139.0M | $107.2M | $96.0M | $80.6M | $120.7M | $123.9M | $127.9M | $121.9M |
| Income taxes | $15.0M | $16.1M | −$37.3M | $22.8M | $19.9M | $16.1M | $26.4M | $25.0M | $43.8M | $38.4M |
| Net income | $68.0M | $38.0M | −$101.7M | $84.5M | $76.1M | $64.5M | $94.2M | $98.9M | $84.1M | $83.5M |
| EBITDA | $90.7M | $62.8M | −$128.8M | $117.9M | $107.0M | $91.7M | $132.1M | $132.6M | $135.7M | $129.1M |
| EPS (diluted) | $0.52 | $0.37 | $0.33 | $0.62 | $0.56 | $0.46 | $0.69 | $0.66 | $0.62 | $0.63 |
| Gross margin | 47.3% | 43.1% | −14.9% | 72.5% | 73.2% | 57.1% | 64.4% | 63.6% | 64.3% | 65.7% |
| Operating margin | 19.9% | 14.3% | −74.9% | 35.8% | 34.4% | 25.1% | 34.5% | 36.6% | 38.8% | 38.7% |
| Net margin | 16.3% | 10.0% | −54.8% | 28.2% | 27.3% | 20.1% | 27.0% | 29.2% | 25.5% | 26.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $105.1M | $110.0M | $110.8M | $109.2M | $104.3M | $102.2M | $101.7M | $101.1M | $99.0M | $97.1M | $82.3M | $0 |
| Cost of revenue | $51.6M | $54.7M | $55.8M | $55.8M | $53.8M | $54.3M | $56.1M | $55.4M | $56.1M | $52.3M | $52.2M | $58.5M |
| Gross profit | $53.5M | $55.4M | $55.0M | $53.4M | $50.5M | $47.9M | $45.7M | $45.7M | $42.8M | $44.8M | $30.0M | −$158.7M |
| Sales, general & admin | $19.3M | $19.7M | $17.9M | $19.0M | $17.8M | $16.8M | $16.1M | $15.3M | $15.6M | $15.9M | $15.8M | $13.7M |
| Total operating expenses | $30.9M | $30.3M | $29.8M | $30.4M | $28.8M | $28.7M | $26.6M | $26.5M | $27.2M | $27.6M | $28.0M | $27.4M |
| Operating income | $22.6M | $25.1M | $25.2M | $23.0M | $21.6M | $19.3M | $19.1M | $19.2M | $15.6M | $17.2M | $2.1M | −$186.1M |
| Interest income | $105.1M | $104.6M | $106.0M | $104.0M | $99.7M | $98.2M | $97.6M | $96.9M | $95.0M | $93.3M | $91.7M | $88.3M |
| Interest expense | $51.6M | $52.3M | $54.7M | $55.3M | $54.2M | $54.3M | $55.4M | $56.0M | $54.7M | $52.0M | $52.1M | $57.5M |
| Income before taxes | $29.2M | $25.1M | $25.2M | $23.0M | $21.6M | $19.3M | $19.1M | $19.2M | $15.6M | $17.2M | $2.1M | −$186.1M |
| Income taxes | $5.7M | $4.9M | $4.9M | $4.2M | $3.3M | $3.9M | $3.7M | $7.2M | $6.0M | $3.5M | −$475,000 | −$45.7M |
| Net income | $23.6M | $20.1M | $20.3M | $18.8M | $18.4M | $15.4M | $15.4M | $12.1M | $9.6M | $13.8M | $2.5M | −$140.4M |
| EBITDA | $31.1M | $27.0M | $27.0M | $24.9M | $23.5M | $21.2M | $21.1M | $21.2M | $17.8M | $19.4M | $4.3M | −$183.7M |
| EPS (diluted) | $0.19 | $0.16 | $0.16 | $0.14 | $0.14 | $0.12 | $0.12 | $0.09 | $0.07 | $0.11 | $0.10 | $0.04 |
| Gross margin | 50.9% | 50.3% | 49.6% | 48.9% | 48.4% | 46.9% | 44.9% | 45.2% | 43.3% | 46.1% | 36.5% | — |
| Operating margin | 21.5% | 22.8% | 22.8% | 21.1% | 20.8% | 18.8% | 18.8% | 19.0% | 15.8% | 17.7% | 2.5% | — |
| Net margin | 22.4% | 18.3% | 18.3% | 17.2% | 17.6% | 15.1% | 15.2% | 11.9% | 9.7% | 14.2% | 3.1% | — |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CFFN's financial statements (latest annual report filed November 26, 2025); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CFFN financial results
In fiscal year 2025 (ended September 30, 2025), Capitol Federal Financial reported revenue of $417.4 million, up 10.0% from the year before. It had net income of $68.0 million (up 79.0%), a net profit margin of 16.3%. Diluted earnings per share came to $0.52. Over five years revenue grew at an average rate of 5.3% a year.
See the CFFN stock overview for the latest quote and news, or the CFFN chart for price history and technical indicators.
CFFN income statement FAQ
What is Capitol Federal Financial's annual revenue?
Capitol Federal Financial reported total revenue of $417.4 million for fiscal year 2025, which ended on September 30, 2025. That was up 10.0% from $379.4 million the previous year.
Is Capitol Federal Financial profitable?
Yes. Capitol Federal Financial reported net income of $68.0 million in fiscal 2025, a net profit margin of 16.3%; its operating margin was 19.9%.
What is Capitol Federal Financial's gross margin?
Capitol Federal Financial's gross margin was 47.3% in fiscal 2025: for every $100 of revenue, Capitol Federal Financial kept $47 after the direct cost of its products and services.
How fast is Capitol Federal Financial growing?
Revenue grew 5.3% a year on average over the last five fiscal years, from $321.7 million to $417.4 million.
What are Capitol Federal Financial's earnings per share?
Capitol Federal Financial earned $0.52 per diluted share in fiscal 2025, compared with $0.37 a year earlier.
When will Capitol Federal Financial report its next earnings?
Capitol Federal Financial is expected to report results for the quarter ending September 30, 2026 on November 4, 2026.
When does Capitol Federal Financial's fiscal year end?
Capitol Federal Financial's fiscal year ends in September. The latest annual report covers the year ended September 30, 2025 and was filed on November 26, 2025.