CFFN Capitol Federal Financial margins

Relative Growth: Rel. Growth: 69

Relative Strength: Rel. Strength: 71

Relative Valuation: Rel. Valuation: 68

Relative Profitability: Rel. Profitability: 83

Gross margin

100%

Operating margin

45.4%

EBITDA margin

48.7%

Net margin

36.7%

For the latest period, Capitol Federal Financial has a gross margin of 100%, an operating margin of 45.4%, an EBITDA margin of 48.7%, and a net margin of 36.7%. The biggest improvement was in net margin, up 4.9 percentage points; the remaining margins held steady.

CFFN margin history

Gross, operating, EBITDA and net margin trends

Capitol Federal Financial's margins averaged 100% gross, 40.71% operating, 44.78% EBITDA, and 31.56% net over the last 3 years. Compared with the three-year averages, operating, EBITDA, and net margins are above their three-year averages.

CFFN margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 4.3 percentage points, EBITDA margin by 3.5 percentage points, and net margin by 4.9 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

4.3pp

EBITDA margin expansion

3.5pp

Net margin expansion

4.9pp

CFFN Gross margin

Across the last 3 years, Capitol Federal Financial's gross margin stood at 100%. The current gross margin stands at 100%, in line with its three-year average. Gross margin was highest at 100% in Jun 2026 and lowest at 100% in Sep 2024.

CFFN Operating margin

In the last 3 years, Capitol Federal Financial had an average operating margin of 40.71%. Against its three-year average, Capitol Federal Financial's operating margin is currently 45.4%, 4.7 percentage points above its three-year average. Looking back over the last 3 years, Capitol Federal Financial's operating margin reached 45.4% at its highest point in Jun 2026 and 32.6% at its lowest in Sep 2024.

CFFN EBITDA margin

Across the last 3 years, Capitol Federal Financial's EBITDA margin averaged 44.78%. Capitol Federal Financial's current EBITDA margin is 48.7% and is 3.9 percentage points above its three-year average. EBITDA margin was highest at 48.7% in Jun 2026 and lowest at 37.8% in Sep 2024.

CFFN Net margin

Across the last 3 years, Capitol Federal Financial's net margin averaged 31.56%. Compared with its three-year average, Capitol Federal Financial's current net margin is 36.7% and is 5.1 percentage points above its three-year average. Net margin was highest at 36.7% in Jun 2026 and lowest at 22.9% in Sep 2024.

CFFN margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, CFFN is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 83.7%, Capitol Federal Financial's gross margin is 19% higher.

CFFN margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Capitol Federal Financial's gross margin?

The current gross margin for CFFN is 100% as of Jun 30, 2026.

What is Capitol Federal Financial's operating margin?

As of Jun 30, 2026, CFFN has an operating margin of 45.4%.

What is Capitol Federal Financial's EBITDA margin?

As of Jun 30, 2026, CFFN has an EBITDA margin of 48.7%.

What is Capitol Federal Financial's net margin?

The current net margin for CFFN is 36.7% as of Jun 30, 2026.

What are the average margins of CFFN?

Capitol Federal Financial's average margins over the last 3 years were 100.0% gross, 40.7% operating, 44.8% EBITDA, and 31.6% net.

What are the highest historical margins of CFFN?

Looking back across 5 years, CFFN reached 100% gross in Jun 2026, 48.9% operating in Jun 2022, 53.8% EBITDA in Jun 2022, and 38.4% net in Sep 2022.

What are the lowest historical margins of CFFN?

Looking back across 5 years, CFFN reached its lowest margins at 100% gross in Dec 2021, 32.6% operating in Sep 2024, 37.8% EBITDA in Sep 2024, and 22.9% net in Sep 2024.