Capitol Federal Financial, Inc. (CFFN) Key Metrics
CFFN valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $1.01B
- Enterprise value
- $2.50B
- P/E (TTM)
- 12.6 10-yr median 20.1
- Forward P/E
- 20.4
- PEG ratio
- 4.09
- Price / sales
- 4.5 10-yr median 4.5
- Price / book
- 1.1 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 20.5
- Dividend yield
- 4.16% $0.34 a year
- Beta
- 0.68
CFFN key metrics, FY2016–FY2025
Fiscal year ended September 30, 2025 · U.S. dollarsCFFN valuation Price multiples at each fiscal year-end price.
CFFN returns How much profit the business earns on the capital it uses.
CFFN per-share figures Results divided by the shares outstanding at year-end.
CFFN financial health Debt, liquidity and how easily interest is covered.
CFFN efficiency & capital use Working capital cycle and where the cash goes.
CFFN valuation history
CFFN returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CFFN debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CFFN cash returned to shareholders
CFFN price vs earnings per share
CFFN key metrics
FY2016–FY2025| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $825.7M | $763.1M | $637.1M | $1.13B | $1.56B | $1.28B | $1.90B | $1.72B | $1.97B | $1.87B |
| Enterprise value | $1.66B | $1.87B | $1.39B | $1.65B | $1.08B | $1.32B | $2.71B | $3.26B | $3.58B | $3.64B |
| P/E ratio | 12.1 | 20.1 | — | 13.3 | 20.5 | 19.8 | 20.1 | 17.4 | 23.5 | 22.4 |
| Price / sales | 2.0 | 2.0 | 3.4 | 3.8 | 5.6 | 4.0 | 5.4 | 5.1 | 6.0 | 5.9 |
| Price / book | 0.8 | 0.7 | 0.6 | 1.0 | 1.3 | 1.0 | 1.4 | 1.2 | 1.4 | 1.3 |
| Price / free cash flow | 16.6 | 31.8 | 655.4 | 12.3 | 23.9 | 16.4 | 27.4 | 15.3 | 25.9 | 26.7 |
| Price / operating cash flow | 15.0 | 24.5 | 655.4 | 11.6 | 20.9 | 13.8 | 23.4 | 13.8 | 23.1 | 22.1 |
| EV / sales | 4.0 | 4.9 | 7.5 | 5.5 | 3.9 | 4.1 | 7.8 | 9.6 | 10.8 | 11.5 |
| EV / EBITDA | 18.3 | 29.8 | — | 14.0 | 10.1 | 14.4 | 20.5 | 24.6 | 26.4 | 28.2 |
| EV / free cash flow | 33.2 | 77.9 | — | 17.9 | 16.6 | 16.9 | 39.2 | 29.0 | 46.9 | 51.9 |
| Earnings yield | 8.2% | 5.0% | −16.0% | 7.5% | 4.9% | 5.0% | 5.0% | 5.8% | 4.3% | 4.5% |
| Free cash flow yield | 6.0% | 3.1% | 0.2% | 8.1% | 4.2% | 6.1% | 3.6% | 6.5% | 3.9% | 3.7% |
| Dividend yield | 5.4% | 5.8% | 56.5% | 9.2% | 7.6% | 7.3% | 7.1% | 6.9% | 6.0% | 6.0% |
| Shareholder yield (dividends + buybacks) | 5.8% | 8.4% | 60.2% | 9.2% | 7.9% | 9.0% | 7.1% | 6.9% | 6.0% | 6.0% |
| Share price at fiscal year-end | $6.35 | $5.84 | $4.77 | $8.30 | $11.49 | $9.27 | $13.78 | $12.74 | $14.70 | $14.07 |
| Per share | ||||||||||
| Revenue per share | $3.21 | $2.90 | $1.39 | $2.21 | $2.06 | $2.33 | $2.54 | $2.51 | $2.46 | $2.37 |
| Earnings per share | $0.52 | $0.29 | −$0.76 | $0.62 | $0.56 | $0.47 | $0.68 | $0.73 | $0.63 | $0.63 |
| Operating cash flow per share | $0.42 | $0.24 | $0.01 | $0.72 | $0.55 | $0.67 | $0.59 | $0.92 | $0.64 | $0.64 |
| Free cash flow per share | $0.38 | $0.18 | $0.01 | $0.68 | $0.48 | $0.57 | $0.50 | $0.83 | $0.57 | $0.53 |
| Cash per share | $8.61 | $8.22 | $12.21 | $11.88 | $15.18 | $12.66 | $10.35 | $6.33 | $5.72 | $6.08 |
| Book value per share | $8.06 | $7.90 | $7.82 | $8.08 | $9.17 | $9.32 | $9.70 | $10.33 | $10.19 | $10.46 |
| Tangible book value per share | $7.98 | $7.82 | $7.74 | $7.99 | $9.07 | $9.21 | $9.58 | $10.19 | $10.19 | $10.46 |
| Dividends per share | $0.34 | $0.34 | $2.69 | $0.76 | $0.87 | $0.68 | $0.98 | $0.88 | $0.88 | $0.84 |
| Capex per share | $0.04 | $0.05 | $0.04 | $0.04 | $0.07 | $0.11 | $0.09 | $0.09 | $0.07 | $0.11 |
| Debt per share | $15.00 | $16.68 | $17.81 | $15.71 | $11.68 | $12.98 | $16.26 | $17.77 | $17.68 | $19.32 |
| Shares outstanding | 130.0M | 130.7M | 133.6M | 135.7M | 135.5M | 137.9M | 137.7M | 134.8M | 134.2M | 133.2M |
| Change in shares outstanding | −0.5% | −2.2% | −1.6% | +0.2% | −1.7% | +0.1% | +2.2% | +0.4% | +0.8% | −1.6% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 6.5% | 3.7% | −9.5% | 7.2% | 6.0% | 4.9% | 6.9% | 7.2% | 6.1% | 5.9% |
| Return on invested capital (ROIC) | 3.4% | 1.9% | −6.4% | 7.1% | 7.3% | 3.7% | 3.7% | 3.3% | 2.7% | 2.6% |
| Return on assets (ROA) | 0.7% | 0.4% | −1.0% | 0.9% | 0.8% | 0.7% | 1.0% | 1.1% | 0.9% | 0.9% |
| Return on tangible assets | 0.7% | 0.4% | −1.0% | 0.9% | 0.8% | 0.7% | 1.0% | 1.0% | 0.9% | 0.9% |
| Free cash flow margin | 11.9% | 6.3% | 0.5% | 30.6% | 23.3% | 24.3% | 19.8% | 33.2% | 23.1% | 22.3% |
| Income quality (OCF / net income) | 0.81 | 0.82 | — | 1.15 | 0.98 | 1.44 | 0.86 | 1.26 | 1.02 | 1.02 |
| Financial health | ||||||||||
| Total debt | $1.95B | $2.18B | $2.38B | $2.13B | $1.58B | $1.79B | $2.24B | $2.40B | $2.37B | $2.57B |
| Cash & short-term investments | $1.12B | $1.07B | $1.63B | $1.61B | $2.06B | $1.75B | $1.43B | $853.7M | $767.5M | $809.1M |
| Net debt | $831.1M | $1.11B | $749.0M | $519.7M | −$474.0M | $43.2M | $814.8M | $1.54B | $1.61B | $1.76B |
| Debt / equity | 1.86 | 2.11 | 2.28 | 1.94 | 1.27 | 1.39 | 1.68 | 1.72 | 1.73 | 1.85 |
| Debt / assets | 0.20 | 0.23 | 0.23 | 0.22 | 0.16 | 0.19 | 0.24 | 0.25 | 0.26 | 0.28 |
| Net debt / EBITDA | 9.16 | 17.61 | — | 4.41 | −4.43 | 0.47 | 6.17 | 11.62 | 11.84 | 13.66 |
| 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 | 0.32 | 0.27 | 1.37 | 1.45 | 0.30 | 0.17 | 1.50 | 1.49 |
| Interest coverage | 0.4 | 0.3 | -0.7 | 1.2 | 1.2 | 0.7 | 1.0 | 1.0 | 1.1 | 1.1 |
| Working capital | −$5.47B | −$5.06B | −$4.42B | −$4.58B | −$4.67B | −$4.59B | −$4.26B | −$4.94B | −$4.79B | −$4.60B |
| Invested capital | $1.88B | $2.14B | $1.79B | $1.62B | $768.3M | $1.33B | $2.15B | $2.93B | $2.97B | $3.16B |
| Tangible asset value | $1.04B | $1.02B | $1.03B | $1.08B | $1.23B | $1.27B | $1.32B | $1.37B | $1.37B | $1.39B |
| Net current asset value | −$7.61B | −$7.42B | −$7.50B | −$6.92B | −$6.33B | −$6.46B | −$6.58B | −$7.20B | −$7.06B | −$7.07B |
| Graham number | $9.74 | $7.19 | — | $10.64 | $10.76 | $9.91 | $12.22 | $13.06 | $11.99 | $12.15 |
| Graham net-net per share | −$58.54 | −$56.80 | −$57.22 | −$51.13 | −$34.00 | −$34.63 | −$48.69 | −$53.99 | −$40.49 | −$41.06 |
| Capital allocation | ||||||||||
| Dividends paid | $44.3M | $44.5M | $359.8M | $103.1M | $117.9M | $93.9M | $134.9M | $118.3M | $118.0M | $111.8M |
| Share buybacks (net) | $3.9M | $19.4M | $23.5M | $0 | $4.6M | $20.8M | $0 | — | — | — |
| Dividend payout ratio | 65.1% | 117.1% | — | 122.1% | 155.0% | 145.4% | 143.2% | 119.6% | 140.2% | 133.9% |
| Dividends + buybacks / free cash flow | 96.6% | 266.5% | — | 112.4% | 188.2% | 146.6% | 194.9% | 105.3% | 154.6% | 159.4% |
| Capex / revenue | 1.2% | 1.9% | 2.9% | 1.9% | 3.4% | 4.6% | 3.4% | 3.5% | 2.8% | 4.7% |
| Capex / operating cash flow | 9.5% | 23.0% | 561.9% | 5.7% | 12.6% | 15.9% | 14.5% | 9.5% | 10.7% | 17.5% |
| Capex / depreciation | 0.67 | 0.83 | 121.38 | 0.52 | 0.86 | 1.33 | 1.02 | 1.35 | 1.17 | 2.08 |
| Stock-based compensation / revenue | 0.3% | 0.3% | 0.9% | 0.7% | 0.9% | 0.8% | 0.8% | 0.8% | 0.9% | 1.0% |
| SG&A / revenue | 16.7% | 16.5% | 32.5% | 21.6% | 22.8% | 23.6% | 22.1% | 20.4% | 19.1% | 19.9% |
| Efficiency | ||||||||||
| Days sales outstanding | 0.3 | 4.3 | 9.6 | 4,314.6 | 9,351.7 | 4,086.3 | 1.1 | 3,882.6 | 7,824.8 | 4,032.3 |
| Days of inventory on hand | — | — | -289.8 | -16,003.1 | -35,715.6 | -10,184.3 | -587.7 | -11,404.0 | -22,915.0 | -24,439.5 |
| Days payables outstanding | — | — | — | — | 675.1 | 329.2 | 271.4 | 200.4 | 157.6 | 145.5 |
| Cash conversion cycle (days) | — | — | — | — | -27,039.0 | -6,427.1 | -858.0 | -7,721.9 | -15,247.8 | -20,552.7 |
| Receivables turnover | 1,441.80 | 85.35 | 37.90 | 0.08 | 0.04 | 0.09 | 320.73 | 0.09 | 0.05 | 0.09 |
| Payables turnover | — | — | — | — | 0.54 | 1.11 | 1.34 | 1.82 | 2.32 | 2.51 |
| Asset turnover | 0.04 | 0.04 | 0.02 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.03 |
| Average receivables | $289,500 | $4.4M | $4.9M | $3.54B | $7.14B | $3.60B | $1.1M | $3.60B | $7.08B | $3.48B |
| Average payables | — | — | — | — | $138.1M | $124.4M | $92.4M | $67.6M | $50.9M | $43.1M |
| Average inventory | — | — | −$169.4M | −$3.61B | −$7.31B | −$3.85B | −$200.2M | −$3.85B | −$7.40B | −$7.24B |
| Intangibles / total assets | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.0% | 0.0% |
Computed from CFFN's annual financial statements (latest annual report filed November 26, 2025) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CFFN valuation and financial ratios
At the end of fiscal 2025 (September 30, 2025), Capitol Federal Financial traded at 12.1 times earnings, against a 10-year median of 20.1. Based on the latest twelve months, the trailing P/E is 12.6 and the forward P/E is 20.4. Capitol Federal Financial earned a return on equity of 6.5% and a return on invested capital of 3.4% in fiscal 2025. It ended the year with $2.0 billion of debt and $1.1 billion in cash and short-term investments, net debt of $831.1 million. It returned $48.1 million to shareholders: $44.3 million in dividends and $3.9 million in share buybacks, 97% of free cash flow.
See the CFFN income statement, the CFFN chart for price history, or the CFFN stock overview for the latest quote and news.
CFFN key metrics FAQ
What is Capitol Federal Financial's P/E ratio?
Capitol Federal Financial's trailing P/E ratio is 12.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 20.4. At the end of fiscal 2025 it was 12.1, compared with a 10-year median of 20.1.
What is Capitol Federal Financial's EV/EBITDA?
Capitol Federal Financial's enterprise value was 18.3 times EBITDA at the end of fiscal 2025 (enterprise value $1.7 billion, EBITDA $90.7 million).
What is Capitol Federal Financial's return on equity?
Capitol Federal Financial's return on equity (ROE) was 6.5% in fiscal 2025: net income of $68.0 million on average shareholders' equity of $1.0 billion.
What is Capitol Federal Financial's ROIC?
Capitol Federal Financial's return on invested capital was 3.4% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Capitol Federal Financial have?
Capitol Federal Financial had total debt of $2.0 billion at the end of fiscal 2025, a debt-to-equity ratio of 1.86 and $831.1 million of net debt (9.16 times EBITDA).
What is Capitol Federal Financial's dividend yield?
Capitol Federal Financial's forward dividend yield is 4.16%. Capitol Federal Financial paid $44.3 million in dividends in fiscal 2025 ($0.34 per share), a payout ratio of 65.1%.
Does Capitol Federal Financial buy back its shares?
Yes. Capitol Federal Financial spent $3.9 million on net share repurchases in fiscal 2025 Shares outstanding changed −0.5% over the year, to 130.0M..
What is Capitol Federal Financial's free cash flow yield?
Capitol Federal Financial generated $49.8 million of free cash flow in fiscal 2025, a free cash flow yield of 6.0% on its market value at year-end ($825.7 million).
What is Capitol Federal Financial's current ratio?
Capitol Federal Financial's current ratio was 0.17 at the end of fiscal 2025: current assets were 0.17 times current liabilities.