Capitol Federal Financial, Inc. — Earnings Quality Grade F
CFFN · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 20.4%, CFFO 76.5%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -27.6% vs revenue 20.4%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO < Net Income for 3 consecutive years
Small-cap context: Small-cap CFFO/NI often diverges from working-capital swings, not necessarily manipulation.
FCF $0.0B, FCF/NI = 0.73
Accruals ratio = 0.1%. Low accruals
Cash $0.3B covers only 13% of debt $2.0B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor CFFN continuously
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Altman Z-Score — Not Applicable
Capitol Federal Financial, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25