How Capitol Federal Financial makes money

Period

FY2025

How does Capitol Federal Financial make money? This Sankey traces every dollar of revenue through the income statement — into cost of revenue, R&D, SG&A, and taxes — and shows what's left as profit. Pick any fiscal year, recent quarter, or the trailing twelve months. Straight from SEC filings.

Capitol Federal Financial Inc. · FY2025 · year ended 2025-09-30

Revenue$201MGross profit$201M · 100%Cost of revenue$0 · 0%Operating income$201M · 100%Operating expenses$0 · 0%Pre-tax income$83M · 41%Other expense$118M · 59%Net income$68M · 34%Income tax$15M · 7%

Each fiscal year from SEC filings. Percentages are share of revenue, so the green profit nodes read directly as gross / operating / net margin. Line items a company doesn't break out are derived from their siblings so the flows balance; small residuals show as “Other.” For informational purposes only.