Capitol Federal Financial, Inc. (CFFN) Financial Ratios
28 years of historical data (1998–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
30.28
-5% vs avg
5yr avg: 31.84
30Y Low27.2·High89.1
P/FCF
↓
21.05
+5% vs avg
5yr avg: 20.00
30Y Low5.6·High44.1
P/B Ratio
↓
1.00
+13% vs avg
5yr avg: 0.88
30Y Low0.6·High3.7
ROE
↑
6.5%
↓+134% vs avg
5yr avg: 2.8%
30Y Low-12%·High9%
Debt/EBITDA
↑
21.50
↓-3% vs avg
5yr avg: 22.27
30Y Low5.7·High48.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CFFN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Capitol Federal Financial, Inc. trades at 15.5x earnings, 6% below its 5-year average of 16.6x, sitting at the 8th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 14%. On a free-cash-flow basis, the stock trades at 21.1x P/FCF, 5% above the 5-year average of 20.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.0B | $826M | $763M | $637M | $1.1B | $1.6B | $1.3B | $1.9B | $1.7B | $2.0B | $1.9B |
| Enterprise Value | $2.7B | $2.5B | $2.7B | $2.8B | $3.2B | $3.1B | $2.9B | $3.9B | $4.0B | $4.0B | $4.2B |
| P/E Ratio → | 15.54 | 12.21 | 20.14 | — | 13.39 | 20.52 | 19.72 | 20.26 | 17.45 | 23.33 | 22.33 |
| P/S Ratio | 2.51 | 1.98 | 2.01 | 3.43 | 3.76 | 5.59 | 3.97 | 5.43 | 5.07 | 5.98 | 5.95 |
| P/B Ratio | 1.00 | 0.79 | 0.74 | 0.61 | 1.03 | 1.25 | 0.99 | 1.42 | 1.23 | 1.44 | 1.35 |
| P/FCF | 21.05 | 16.57 | 31.80 | 15.44 | 12.28 | 23.93 | 16.35 | 27.42 | 15.27 | 25.86 | 26.73 |
| P/OCF | 19.06 | 15.00 | 24.47 | 13.40 | 11.58 | 20.91 | 13.76 | 23.45 | 13.83 | 23.10 | 22.06 |
P/E links to full P/E history page with 30-year chart
CFFN EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Capitol Federal Financial, Inc.'s enterprise value stands at 30.3x EBITDA, roughly in line with its 5-year average of 31.8x. The Financial Services sector median is 11.4x, placing the stock at a 166% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 6.05 | 7.18 | 14.92 | 10.71 | 11.11 | 8.96 | 11.21 | 11.74 | 12.10 | 13.22 |
| EV / EBITDA | 30.28 | 27.82 | 43.39 | — | 27.21 | 28.95 | 31.42 | 29.65 | 29.96 | 29.44 | 32.26 |
| EV / EBIT | 33.09 | 30.40 | 50.37 | — | 29.94 | 32.26 | 35.75 | 32.47 | 32.06 | 31.23 | 34.15 |
| EV / FCF | — | 50.64 | 113.56 | 67.17 | 34.98 | 47.61 | 36.87 | 56.60 | 35.35 | 52.35 | 59.41 |
CFFN Profitability
Margins and return-on-capital ratios measuring operating efficiency
Capitol Federal Financial, Inc. earns an operating margin of 19.9%, roughly in line with the Financial Services sector average. Operating margins have expanded from -74.9% to 19.9% over the past 3 years, signaling improving operational efficiency. ROE of 6.5% is modest, trailing the sector median of 9.0%. ROIC of 2.0% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 47.3% | 47.3% | 43.1% | -14.9% | 72.5% | 73.2% | 57.1% | 64.4% | 63.6% | 64.3% | 65.7% |
| Operating Margin | 19.9% | 19.9% | 14.3% | -74.9% | 35.8% | 34.4% | 25.1% | 34.5% | 36.6% | 38.8% | 38.7% |
| Net Profit Margin | 16.3% | 16.3% | 10.0% | -54.8% | 28.2% | 27.3% | 20.1% | 27.0% | 29.2% | 25.5% | 26.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.5% | 6.5% | 3.7% | -9.5% | 7.2% | 6.0% | 4.9% | 6.9% | 7.2% | 6.1% | 5.9% |
| ROA | 0.7% | 0.7% | 0.4% | -1.0% | 0.9% | 0.8% | 0.7% | 1.0% | 1.1% | 0.9% | 0.9% |
| ROIC | 2.0% | 2.0% | 1.2% | -3.1% | 2.7% | 2.4% | 1.8% | 2.5% | 2.5% | 2.5% | 2.1% |
| ROCE | 2.5% | 2.5% | 1.4% | -3.7% | 3.4% | 3.2% | 2.4% | 3.3% | 3.4% | 3.4% | 2.8% |
CFFN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Capitol Federal Financial, Inc. carries a Debt/EBITDA ratio of 21.5x, which is highly leveraged (404% above the sector average of 4.3x). Net debt stands at $1.7B ($2.0B total debt minus $252M cash). Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.86 | 1.86 | 2.11 | 2.28 | 1.94 | 1.27 | 1.39 | 1.68 | 1.72 | 1.73 | 1.85 |
| Debt / EBITDA | 21.50 | 21.50 | 34.70 | — | 18.08 | 14.80 | 19.51 | 16.96 | 18.06 | 17.49 | 19.93 |
| Net Debt / Equity | — | 1.62 | 1.90 | 2.04 | 1.90 | 1.24 | 1.25 | 1.51 | 1.62 | 1.48 | 1.64 |
| Net Debt / EBITDA | 18.72 | 18.72 | 31.24 | — | 17.66 | 14.40 | 17.49 | 15.29 | 17.01 | 14.90 | 17.75 |
| Debt / FCF | — | 34.08 | 81.76 | 51.72 | 22.70 | 23.68 | 20.52 | 29.18 | 20.07 | 26.50 | 32.68 |
| Interest Coverage | 0.38 | 0.38 | 0.25 | -0.67 | 1.23 | 1.15 | 0.70 | 0.98 | 1.01 | 1.09 | 1.12 |
CFFN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.17x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.27x to 0.17x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.17 | 0.17 | 0.18 | 0.27 | 0.26 | 0.31 | 0.28 | 0.25 | 0.15 | 0.14 | 0.15 |
| Quick Ratio | 0.17 | 0.17 | 0.18 | 0.27 | 0.26 | 0.31 | 0.28 | 0.25 | 0.15 | 0.14 | 0.15 |
| Cash Ratio | 0.04 | 0.04 | 0.04 | 0.04 | 0.01 | 0.01 | 0.03 | 0.04 | 0.02 | 0.06 | 0.05 |
| Asset Turnover | — | 0.04 | 0.04 | 0.02 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CFFN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Capitol Federal Financial, Inc. returns 4.6% to shareholders annually — split between a 4.2% dividend yield and 0.4% buyback yield. A payout ratio of 65.1% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 6.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.2% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 65.1% | 65.1% | 117.1% | — | 122.1% | 155.0% | 145.4% | 143.2% | 119.6% | 140.2% | 133.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.4% | 8.2% | 5.0% | — | 7.5% | 4.9% | 5.1% | 4.9% | 5.7% | 4.3% | 4.5% |
| FCF Yield | 4.8% | 6.0% | 3.1% | 6.5% | 8.1% | 4.2% | 6.1% | 3.6% | 6.5% | 3.9% | 3.7% |
| Buyback Yield | 0.4% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 4.6% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $130M | $131M | $134M | $136M | $135M | $138M | $138M | $135M | $134M | $133M |
Peer Comparison
Compare CFFN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CFFNYou | $1B | 15.5 | 30.3 | 21.1 | 47.3% | 19.9% | 6.5% | 2.0% | 21.5 |
 WAFD | $3B | 13.9 | 13.3 | 13.5 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 HOMB | $5B | 11.5 | 9.3 | 11.3 | 77.3% | 43.8% | 11.5% | 8.7% | 1.5 |
 NWBI | $2B | 15.7 | 14.1 | 14.9 | 68.3% | 18.8% | 7.2% | 5.6% | 2.7 |
 TRST | $925M | 16.1 | 11.9 | 20.2 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 KRNY | $533M | 20.2 | 45.2 | 24.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 FMAO | $396M | 8.5 | 14.1 | 11.5 | 62.3% | 22.5% | 9.4% | 4.9% | 7.1 |
 BSVN | $438M | 10.1 | 3.3 | 10.6 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 HFWA | $949M | 14.2 | 11.8 | 11.1 | 72.4% | 23.2% | 7.6% | 5.2% | 0.5 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 FHN | $12B | 13.2 | 11.9 | 12.9 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 28 years · Updated daily
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CFFN — Frequently Asked Questions
Quick answers to the most common questions about buying CFFN stock.
What is Capitol Federal Financial, Inc.'s P/E ratio?
Capitol Federal Financial, Inc.'s current P/E ratio is 15.5x. The historical average is 28.9x. This places it at the 8th percentile of its historical range.
What is Capitol Federal Financial, Inc.'s EV/EBITDA?
Capitol Federal Financial, Inc.'s current EV/EBITDA is 30.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 42.3x.
What is Capitol Federal Financial, Inc.'s ROE?
Capitol Federal Financial, Inc.'s return on equity (ROE) is 6.5%. The historical average is 4.8%.
Is CFFN stock overvalued?
Based on historical data, Capitol Federal Financial, Inc. is trading at a P/E of 15.5x. This is at the 8th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Capitol Federal Financial, Inc.'s dividend yield?
Capitol Federal Financial, Inc.'s current dividend yield is 4.21% with a payout ratio of 65.1%.
What are Capitol Federal Financial, Inc.'s profit margins?
Capitol Federal Financial, Inc. has 47.3% gross margin and 19.9% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Capitol Federal Financial, Inc. have?
Capitol Federal Financial, Inc.'s Debt/EBITDA ratio is 21.5x, indicating high leverage. A ratio above 4x may signal elevated financial risk.