Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | $15.1M | $15.6M | $16.6M | $14.8M | $16.5M | $18.1M | $17.6M | $15.3M | $16.3M |
| Revenue growth | — | — | 3.9% | 6.2% | -10.8% | 11.5% | 9.7% | -2.8% | -13.1% | 6.5% |
| Net income | $83.5M | $84.1M | $98.9M | $94.2M | $64.5M | $76.1M | $84.5M | -$102M | $38.0M | $68.0M |
| Net margin | — | 558.9% | 632.7% | 567.7% | 436.1% | 461.1% | 466.6% | -577.6% | 248.4% | 417.3% |
| EPS (diluted) | $0.63 | $0.63 | $0.73 | $0.68 | $0.47 | $0.56 | $0.62 | -$0.76 | $0.29 | $0.52 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $85.0M | $85.4M | $124M | $80.9M | $92.9M | $74.5M | $97.3M | $47.5M | $31.2M | $55.0M |
| Capital expenditures | $14.9M | $9.13M | $11.8M | $11.7M | $14.7M | $9.41M | $5.56M | $6.28M | $7.18M | $5.20M |
| Free cash flow | $70.1M | $76.3M | $112M | $69.2M | $78.2M | $65.1M | $91.7M | $41.3M | $24.0M | $49.8M |
| Share buybacks | $0.00 | $0.00 | $0.00 | $0.00 | $20.8M | $4.57M | $0.00 | $23.5M | $19.4M | $3.89M |
| Dividends paid | $112M | $118M | $118M | $135M | $93.9M | $118M | $103M | $83.2M | $44.5M | $44.3M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $282M | $352M | $139M | $220M | $185M | $42.3M | $49.2M | $246M | $217M | $252M |
| Total assets | $9.27B | $9.19B | $9.45B | $9.34B | $9.49B | $9.63B | $9.62B | $10.2B | $9.53B | $9.78B |
| Total liabilities | $7.87B | $7.82B | $8.06B | $8.00B | $8.20B | $8.39B | $8.53B | $9.13B | $8.50B | $8.73B |
| Shareholders' equity | $1.39B | $1.37B | $1.39B | $1.34B | $1.28B | $1.24B | $1.10B | $1.04B | $1.03B | $1.05B |
| Retained earnings | $268M | $235M | $215M | $174M | $143M | $98.9M | $80.3M | -$105M | -$111M | -$87.3M |
| Shares (wtd avg diluted) | 133M | 134M | 135M | 138M | 138M | 135M | 136M | 134M | 131M | 130M |
Every figure is extracted from Capitol Federal Financial, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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