Kearny Financial Corp. (KRNY) Financial Ratios
23 years of historical data (2003–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
44.58
↑+66% vs avg
5yr avg: 26.87
30Y Low16.0·High80.0
P/FCF
↑
23.86
↑+103% vs avg
5yr avg: 11.76
30Y Low6.7·High85.6
P/B Ratio
↓
0.68
+0% vs avg
5yr avg: 0.68
30Y Low0.5·High2.2
ROE
↓
3.5%
↓+68% vs avg
5yr avg: 2.1%
30Y Low-11%·High7%
Debt/EBITDA
↑
35.02
↑+81% vs avg
5yr avg: 19.33
30Y Low2.1·High35.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
KRNY Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Kearny Financial Corp. trades at 19.3x earnings, 44% above its 5-year average of 13.4x, sitting at the 26th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a premium of 44%. On a free-cash-flow basis, the stock trades at 23.9x P/FCF, 103% above the 5-year average of 11.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $510M | $405M | $384M | $457M | $788M | $985M | $684M | $1.2B | $1.1B | $1.3B | $1.1B |
| Enterprise Value | $1.6B | $1.5B | $1.9B | $1.9B | $1.6B | $1.6B | $1.7B | $2.5B | $2.2B | $2.0B | $1.5B |
| P/E Ratio → | 19.32 | 15.38 | — | 11.19 | 11.69 | 15.52 | 14.87 | 28.89 | 56.04 | 67.50 | 69.89 |
| P/S Ratio | 1.49 | 1.18 | 1.17 | 1.54 | 3.28 | 3.85 | 2.71 | 4.83 | 6.02 | 8.36 | 8.19 |
| P/B Ratio | 0.68 | 0.54 | 0.51 | 0.53 | 0.88 | 0.94 | 0.63 | 1.07 | 0.88 | 1.19 | 0.98 |
| P/FCF | 23.86 | 18.94 | 9.01 | 6.70 | 10.05 | 14.07 | 51.21 | 36.84 | 30.18 | 36.45 | 30.49 |
| P/OCF | 20.60 | 16.36 | 8.73 | 6.57 | 9.69 | 13.06 | 35.42 | 31.04 | 24.65 | 32.63 | 28.78 |
P/E links to full P/E history page with 30-year chart
KRNY EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Kearny Financial Corp.'s enterprise value stands at 44.6x EBITDA, 66% above its 5-year average of 26.9x. The Financial Services sector median is 11.5x, placing the stock at a 289% 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 | — | 4.35 | 5.90 | 6.39 | 6.61 | 6.26 | 6.63 | 9.94 | 11.81 | 13.20 | 11.21 |
| EV / EBITDA | 44.58 | 41.65 | — | 32.27 | 16.04 | 17.55 | 26.59 | 40.53 | 58.03 | 65.29 | 59.89 |
| EV / EBIT | 51.60 | 48.21 | — | 36.14 | 17.19 | 18.97 | 29.28 | 44.48 | 64.16 | 72.39 | 68.25 |
| EV / FCF | — | 69.87 | 45.28 | 27.76 | 20.26 | 22.91 | 125.45 | 75.88 | 59.23 | 57.55 | 41.71 |
KRNY Profitability
Margins and return-on-capital ratios measuring operating efficiency
Kearny Financial Corp. earns an operating margin of 9.0%, below the Financial Services sector average of 21.4%. Operating margins have compressed from 17.7% to 9.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 3.5% is modest, trailing the sector median of 9.5%. ROIC of 1.1% represents below-average returns on invested capital versus a sector median of 5.7%.
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 | 44.1% | 44.1% | 41.1% | 59.4% | 90.8% | 81.0% | 65.2% | 65.9% | 71.4% | 72.1% | 69.0% |
| Operating Margin | 9.0% | 9.0% | -24.7% | 17.7% | 38.4% | 33.0% | 22.6% | 22.3% | 18.4% | 18.2% | 16.4% |
| Net Profit Margin | 7.6% | 7.6% | -26.5% | 13.8% | 28.1% | 24.7% | 17.8% | 16.8% | 10.6% | 12.4% | 11.5% |
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 | 3.5% | 3.5% | -10.7% | 4.6% | 7.0% | 5.9% | 4.1% | 3.5% | 1.7% | 1.7% | 1.4% |
| ROA | 0.3% | 0.3% | -1.1% | 0.5% | 0.9% | 0.9% | 0.7% | 0.6% | 0.3% | 0.4% | 0.4% |
| ROIC | 1.1% | 1.1% | -2.6% | 1.9% | 3.9% | 3.2% | 1.8% | 1.7% | 1.2% | 1.1% | 1.0% |
| ROCE | 1.5% | 1.5% | -3.5% | 2.7% | 5.4% | 4.1% | 2.4% | 2.2% | 1.5% | 1.5% | 1.3% |
KRNY Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Kearny Financial Corp. carries a Debt/EBITDA ratio of 35.0x, which is highly leveraged (750% above the sector average of 4.1x). Net debt stands at $1.1B ($1.3B total debt minus $167M cash). Interest coverage of just 0.2x 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 | 1.68 | 1.68 | 2.14 | 1.73 | 1.01 | 0.66 | 1.08 | 1.17 | 0.94 | 0.76 | 0.54 |
| Debt / EBITDA | 35.02 | 35.02 | — | 25.68 | 9.10 | 7.51 | 18.60 | 21.49 | 31.89 | 26.52 | 23.85 |
| Net Debt / Equity | — | 1.46 | 2.05 | 1.65 | 0.89 | 0.59 | 0.92 | 1.14 | 0.84 | 0.69 | 0.36 |
| Net Debt / EBITDA | 30.36 | 30.36 | — | 24.48 | 8.08 | 6.77 | 15.73 | 20.85 | 28.46 | 23.94 | 16.12 |
| Debt / FCF | — | 50.93 | 36.27 | 21.06 | 10.20 | 8.83 | 74.24 | 39.04 | 29.05 | 21.10 | 11.23 |
| Interest Coverage | 0.16 | 0.16 | -0.43 | 0.44 | 3.11 | 1.69 | 0.68 | 0.68 | 0.68 | 0.75 | 0.71 |
KRNY Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.20x means Kearny Financial Corp. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 0.23x to 1.20x 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 | 1.20 | 1.20 | 0.22 | 0.23 | 0.24 | 0.32 | 0.36 | 0.19 | 0.21 | 0.24 | 0.22 |
| Quick Ratio | 1.20 | 1.20 | 0.22 | 0.23 | 0.24 | 0.32 | 0.36 | 0.19 | 0.21 | 0.24 | 0.22 |
| Cash Ratio | 0.03 | 0.03 | 0.01 | 0.01 | 0.02 | 0.01 | 0.04 | 0.01 | 0.03 | 0.03 | 0.07 |
| Asset Turnover | — | 0.04 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
KRNY Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Kearny Financial Corp. returns 5.5% to shareholders annually — split between a 5.4% dividend yield and 0.1% buyback yield. The payout ratio exceeds 100% at 106.0%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 5.2% (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 | 5.4% | 6.8% | 7.2% | 6.2% | 3.9% | 2.9% | 3.5% | 2.9% | 1.8% | 0.7% | 0.6% |
| Payout Ratio | 106.0% | 106.0% | — | 69.8% | 45.4% | 45.3% | 53.6% | 82.5% | 104.9% | 44.5% | 45.3% |
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 | 5.2% | 6.5% | — | 8.9% | 8.6% | 6.4% | 6.7% | 3.5% | 1.8% | 1.5% | 1.4% |
| FCF Yield | 4.2% | 5.3% | 11.1% | 14.9% | 9.9% | 7.1% | 2.0% | 2.7% | 3.3% | 2.7% | 3.3% |
| Buyback Yield | 0.1% | 0.1% | 3.1% | 6.1% | 16.6% | 12.2% | 10.4% | 11.8% | 13.0% | 10.0% | 2.0% |
| Total Shareholder Yield | 5.5% | 6.9% | 10.2% | 12.4% | 20.5% | 15.1% | 13.9% | 14.7% | 14.8% | 10.7% | 2.6% |
| Shares Outstanding | — | $63M | $62M | $65M | $71M | $82M | $84M | $91M | $83M | $85M | $90M |
Peer Comparison
Compare KRNY 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 |
|---|---|---|---|---|---|---|---|---|---|
 KRNYYou | $510M | 19.3 | 44.6 | 23.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 NBTB | $2B | 13.6 | 10.4 | 10.8 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 OCFC | $1B | 16.3 | 27.8 | 13.7 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 NFBK | $587M | 19.5 | 24.2 | 19.6 | 49.1% | 16.1% | 4.3% | 2.0% | 15.6 |
 WAFD | $3B | 13.6 | 13.0 | 13.1 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 DCOM | $2B | 15.7 | -2.2 | 9.0 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 FHN | $12B | 13.3 | 11.8 | 19.4 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
 ICE | $87B | 26.6 | 16.5 | 20.3 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 FIS | $24B | 61.3 | 7.5 | 9.7 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 CSGP | $14B | 2052.4 | 81.5 | 352.2 | 75.2% | -2.2% | 0.1% | -0.9% | 6.7 |
| Financial Services Median | — | 13.4 | 11.5 | 10.7 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 23 years · Updated daily
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Start ComparisonKRNY — Frequently Asked Questions
Quick answers to the most common questions about buying KRNY stock.
What is Kearny Financial Corp.'s P/E ratio?
Kearny Financial Corp.'s current P/E ratio is 19.3x. The historical average is 71.3x. This places it at the 26th percentile of its historical range.
What is Kearny Financial Corp.'s EV/EBITDA?
Kearny Financial Corp.'s current EV/EBITDA is 44.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 49.4x.
What is Kearny Financial Corp.'s ROE?
Kearny Financial Corp.'s return on equity (ROE) is 3.5%. The historical average is 2.0%.
Is KRNY stock overvalued?
Based on historical data, Kearny Financial Corp. is trading at a P/E of 19.3x. This is at the 26th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Kearny Financial Corp.'s dividend yield?
Kearny Financial Corp.'s current dividend yield is 5.43% with a payout ratio of 106.0%.
What are Kearny Financial Corp.'s profit margins?
Kearny Financial Corp. has 44.1% gross margin and 9.0% operating margin.
How much debt does Kearny Financial Corp. have?
Kearny Financial Corp.'s Debt/EBITDA ratio is 35.0x, indicating high leverage. A ratio above 4x may signal elevated financial risk.