Financial Snapshot

Revenue
$280.0M
TTM
Gross Margin
Net Earnings
$25.95M
TTM
Current Assets
Current Liabilities
$124.0M
Q3 2024
Current Ratio
Total Assets
$9.528B
Q3 2024
Total Liabilities
$8.495B
Q3 2024
Book Value
$1.032B
Q3 2024
Cash
Q3 2024
P/E
34.23
Dec 02, 2024 EST
Free Cash Flow
$28.87M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Revenue $15.30M $17.60M $18.10M $258.2M $305.0M $330.0M $321.9M $313.2M $301.1M $297.4M $290.2M $298.6M $328.1M
YoY Change -13.07% -2.76% -92.99% -15.34% -7.57% 2.5% 2.78% 4.01% 1.26% 2.45% -2.78% -8.99%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Revenue $15.30M $17.60M $18.10M $258.2M $305.0M $330.0M $321.9M $313.2M $301.1M $297.4M $290.2M $298.6M $328.1M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $20.32M $23.43M $18.31M $17.92M $16.97M $17.62M $14.00M $11.28M $10.54M $10.36M $9.429M $8.855M $7.583M
YoY Change -13.24% 27.93% 2.17% 5.59% -3.64% 25.83% 24.08% 7.04% 1.74% 9.87% 6.48% 16.77%
% of Gross Profit
Depreciation & Amortization $10.11M $10.74M $11.00M $11.10M $11.40M $8.700M $7.800M $7.100M $6.800M $6.300M $5.400M $5.000M $4.400M $4.600M $5.100M $5.400M $4.500M $3.800M $4.100M $4.100M $3.600M $3.300M $3.700M $3.500M $3.200M $3.000M $2.800M
YoY Change -5.86% -2.39% -0.9% -2.63% 31.03% 11.54% 9.86% 4.41% 7.94% 16.67% 8.0% 13.64% -4.35% -9.8% -5.56% 20.0% 18.42% -7.32% 0.0% 13.89% 9.09% -10.81% 5.71% 9.38% 6.67% 7.14% 0.0%
% of Gross Profit
Operating Expenses $20.32M $23.43M $18.31M $17.92M $16.97M $17.62M $14.00M $11.28M $10.54M $10.36M $9.429M $8.855M $7.583M
YoY Change -13.24% 27.93% 2.17% 5.59% -3.64% 25.83% 24.08% 7.04% 1.74% 9.87% 6.48% 16.77%
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Interest Expense $206.5M $86.95M $83.18M $115.6M $123.6M $123.1M $117.8M $108.9M $107.6M $106.1M $120.4M $143.2M
YoY Change 137.52% 4.53% -28.07% -6.41% 0.36% 4.51% 8.15% 1.24% 1.41% -11.87% -15.91%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Pretax Income $54.10M -$139.0M $107.2M $96.03M $80.63M $120.7M $123.9M $127.9M $121.9M $115.8M $115.2M $105.6M $116.0M $57.40M $105.4M $105.2M $80.20M $52.90M $78.70M $105.4M -$169.3M $85.30M $147.0M $123.4M $120.9M $69.40M $88.80M $88.40M
YoY Change -138.94% -229.62% 11.64% 19.1% -33.17% -2.62% -3.14% 4.9% 5.33% 0.53% 9.08% -8.99% 102.09% -45.54% 0.19% 31.17% 51.61% -32.78% -25.33% -162.26% -298.48% -41.97% 19.12% 2.07% 74.21% -21.85% 0.45% 96.44%
Income Tax $16.09M -$37.30M $22.75M $19.95M $16.09M $26.41M $24.98M $43.78M $38.45M $37.68M $37.46M $36.23M $41.49M $18.90M $37.50M $38.90M $29.20M $20.60M $30.60M $40.30M -$63.10M $33.30M $57.40M $45.60M $44.50M $26.50M $34.80M $35.70M
% Of Pretax Income 29.75% 21.22% 20.77% 19.96% 21.89% 20.16% 34.23% 31.53% 32.54% 32.53% 34.32% 35.76% 32.93% 35.58% 36.98% 36.41% 38.94% 38.88% 38.24% 39.04% 39.05% 36.95% 36.81% 38.18% 39.19% 40.38%
Net Earnings $38.01M -$101.7M $84.45M $76.08M $64.54M $94.24M $98.93M $84.14M $83.49M $78.09M $77.69M $69.34M $74.51M $38.40M $67.84M $66.30M $51.00M $32.30M $48.10M $65.10M -$106.3M $52.00M $89.60M $77.80M $76.30M $42.90M $54.00M $52.70M
YoY Change -137.39% -220.37% 11.0% 17.88% -31.52% -4.73% 17.58% 0.77% 6.92% 0.51% 12.05% -6.94% 94.03% -43.39% 2.33% 30.0% 57.89% -32.85% -26.11% -161.24% -304.42% -41.96% 15.17% 1.97% 77.86% -20.56% 2.47% 98.12%
Net Earnings / Revenue 248.43% -577.61% 466.59% 29.47% 21.16% 28.56% 30.73% 26.86% 27.73% 26.26% 26.77% 23.23% 22.71%
Basic Earnings Per Share $0.29 -$0.76 $0.62 $0.56 $0.47 $0.68 $0.73 $0.63 $0.63 $0.58 $0.56 $0.48 $0.47
Diluted Earnings Per Share $0.29 -$0.76 $0.62 $0.56 $0.47 $0.68 $0.73 $0.63 $0.63 $0.58 $0.56 $0.48 $0.47 $236.2K $408.7K $400.1K $308.5K $195.5K $291.7K $393.6K -$655.8K $317.3K $537.8K $435.4K $400.5K $213.9K $268.9K $262.5K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $91.46M $102.8M $106.4M $111.8M $116.6M $96.80M $96.00M $84.80M $83.20M $75.80M $70.50M $70.10M $57.80M $48.40M $41.30M $37.70M $29.90M $26.60M $26.50M $23.00M $24.50M $26.50M $23.70M $22.50M $24.10M $24.00M $22.80M $20.10M
YoY Change -11.06% -3.37% -4.81% -4.12% 20.45% 0.83% 13.21% 1.92% 9.76% 7.52% 0.57% 21.28% 19.42% 17.19% 9.55% 26.09% 12.41% 0.38% 15.22% -6.12% -7.55% 11.81% 5.33% -6.64% 0.42% 5.26% 13.43%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $21.98M $29.61M $33.88M $500.0K $21.00M $50.60M $74.70M
YoY Change -25.76% -12.63% -97.62% -58.5% -32.26%
Total Long-Term Assets
YoY Change
Total Assets $9.528B $10.18B $9.625B $9.631B $9.487B $9.340B $9.450B $9.193B $9.267B $9.844B $9.865B $9.186B $9.378B $9.451B $8.487B $8.404B $8.055B $7.676B $8.199B $8.410B $8.541B $8.583B $8.781B $8.635B $8.265B $6.541B $5.316B $4.924B
YoY Change
Accounts Payable $124.0M $128.5M $121.3M $129.3M $132.2M $101.9M $83.00M $52.20M $49.50M $36.70M $46.40M $31.40M $44.30M $43.80M $33.60M $35.20M $36.50M $48.70M $64.90M $59.00M $33.70M $40.10M $38.10M $36.60M $41.70M $22.50M $17.60M $13.80M
YoY Change -3.49% 5.9% -6.18% -2.19% 29.74% 22.77% 59.0% 5.45% 34.88% -20.91% 47.77% -29.12% 1.14% 30.36% -4.55% -3.56% -25.05% -24.96% 10.0% 75.07% -15.96% 5.25% 4.1% -12.23% 85.33% 27.84% 27.54%
Accrued Expenses $11.60M $11.80M $12.80M $14.70M
YoY Change -1.69% -7.81% -12.93%
Deferred Revenue
YoY Change
Short-Term Debt $100.0M $110.1M $200.0M $200.0M $200.0M $220.0M $320.0M $0.00 $175.0M $175.0M $175.0M
YoY Change -9.17% -44.95% 0.0% 0.0% -9.09% -31.25% -100.0% 0.0% 0.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $124.0M $140.1M $121.3M $143.0M $147.7M $101.9M $83.00M $52.70M $49.80M $36.70M $46.80M $31.50M $45.20M $46.10M $33.60M $41.20M $43.10M $48.70M $64.90M $59.00M $37.40M $40.10M $39.00M $41.40M $45.80M $23.80M $17.80M $17.20M
YoY Change -11.48% 15.46% -15.17% -3.18% 44.95% 22.77% 57.5% 5.82% 35.69% -21.58% 48.57% -30.31% -1.95% 37.2% -18.45% -4.41% -11.5% -24.96% 10.0% 57.75% -6.73% 2.82% -5.8% -9.61% 92.44% 33.71% 3.49%
Long-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $365.0M $515.0M $668.6M $713.6M $713.6M $53.50M $53.50M $53.40M $53.30M $81.10M $101.3M $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -100.0% -29.13% -22.97% -6.31% 0.0% 1233.83% 0.0% 0.19% 0.19% -34.28% -19.94%
Other Long-Term Liabilities $61.80M $62.99M $80.07M $72.70M $65.70M $65.70M $65.30M $63.70M $62.60M $61.80M $58.10M $57.40M
YoY Change -1.89% -21.32% 10.13% 10.65% 0.0% 0.61% 2.51% 1.76% 1.29% 6.37% 1.22%
Total Long-Term Liabilities $61.80M $62.99M $80.07M $72.70M $65.70M $65.70M $65.30M $63.70M $62.60M $61.80M $58.10M $57.40M $365.0M $515.0M $668.6M $713.6M $713.6M $53.50M $53.50M $53.40M $53.30M $81.10M $101.3M $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -1.89% -21.32% 10.13% 10.65% 0.0% 0.61% 2.51% 1.76% 1.29% 6.37% 1.22% -84.27% -29.13% -22.97% -6.31% 0.0% 1233.83% 0.0% 0.19% 0.19% -34.28% -19.94%
Total Liabilities $8.495B $9.133B $8.528B $8.402B $8.202B $8.004B $8.058B $7.825B $7.874B $8.428B $8.372B $7.554B $7.572B $7.511B $7.525B $7.462B $7.184B $6.808B $7.336B $7.545B $7.709B $7.606B $7.794B $7.587B $7.279B $5.495B $4.654B $4.319B
YoY Change -6.99% 7.09% 1.51% 2.43% 2.48% -0.67% 2.98% -0.63% -6.57% 0.67% 10.83% -0.23% 0.81% -0.18% 0.84% 3.88% 5.52% -7.19% -2.77% -2.13% 1.34% -2.4% 2.72% 4.23% 32.48% 18.07% 7.75%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $888.26 Million

About Capitol Federal Financial, Inc.

Capitol Federal Financial, Inc. is a holding company, which operates as a community-oriented financial institution. The company is headquartered in Topeka, Kansas. The firm provides a full range of retail banking services through its subsidiary, Capitol Federal Savings Bank (the Bank), a federal savings bank, which has 46 traditional and five in-store banking offices serving primarily the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia and Salina, Kansas and portions of the Kansas City metropolitan area. The Bank attracts deposits primarily from the general public and from businesses and invests those funds primarily in permanent loans secured by first mortgages on owner-occupied, one-to four-family residences and in commercial loans. The company offers an array of retail and business deposit products and services. These products include checking, savings, money market, certificates of deposit, and retirement accounts. The Bank’s deposit services are provided through its network of traditional branches and retail in-store locations, its call center.

Industry: Savings Institution, Federally Chartered Peers: Axos Financial, Inc. FEDERAL AGRICULTURAL MORTGAGE CORP FLAGSTAR BANCORP INC Kearny Financial Corp. Merchants Bancorp Northfield Bancorp, Inc. PennyMac Financial Services, Inc. NMI Holdings, Inc. PROVIDENT FINANCIAL SERVICES INC Rocket Companies, Inc.