Capitol Federal Financial Cash Flow Statement

Financials in millions USD. Fiscal year is October - September.

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Net Income	68.03	38.01	-101.66	84.45	76.08
Depreciation & Amortization	7.72	8.7	10.11	10.74	10.95
Other Amortization	1.44	1.53	1.64	1.8	1.58
Gain (Loss) on Sale of Investments	-3.3	5.16	195.64	4.97	-1.18
Provision for Credit Losses	0.75	1.26	6.84	-4.63	-8.51
Net Decrease (Increase) in Loans Originated / Sold - Operating	1.86	0.01	0.01	0.03	0.05
Change in Income Taxes	0.11	8.14	-7.3	-2.2	0.11
Change in Other Net Operating Assets	-16.05	-26.45	0.1	7.89	-1.56
Other Operating Activities	-6.92	-6.46	-59.34	-7.98	-5.58
Operating Cash Flow	55.04	31.18	47.53	97.3	74.47
Operating Cash Flow Growth	76.50%	-34.39%	-51.15%	30.66%	-19.87%
Capital Expenditures	-5.2	-7.18	-6.28	-5.56	-9.41
Sale of Property, Plant and Equipment	0.04	0.63	-	-	2.62
Investment in Securities	-14.22	550.98	186.86	235	-477.67
Net Decrease (Increase) in Loans Originated / Sold - Investing	-207.62	63.63	-514.67	-381.56	132.8
Other Investing Activities	20.18	20.6	4.45	-16.15	24.8
Investing Cash Flow	-206.59	629.11	-329.1	-167.58	-326.67
Long-Term Debt Issued	650.1	350.1	4,294	1,454	1,144
Long-Term Debt Repaid	-879.81	-1,052	-3,549	-906.9	-1,347
Net Debt Issued (Repaid)	-229.71	-702.19	745.33	547.5	-203
Issuance of Common Stock	-	-	-	-	0.32
Repurchase of Common Stock	-3.89	-19.45	-23.45	-	-4.57
Common Dividends Paid	-44.25	-44.52	-83.17	-46.14	-46.07
Net Increase (Decrease) in Deposit Accounts	461.47	78.76	-143.65	-402.53	405.99
Other Financing Activities	3.07	-1.19	-17.07	7.34	1.93
Financing Cash Flow	186.68	-688.59	477.98	49.18	82.79
Net Cash Flow	35.14	-28.3	196.41	-21.1	-169.42
Free Cash Flow	49.84	24	41.25	91.74	65.06
Free Cash Flow Growth	107.66%	-41.82%	-55.04%	41.02%	-16.79%
Free Cash Flow Margin	24.88%	14.45%	-	41.69%	30.88%
Free Cash Flow Per Share	0.38	0.18	0.31	0.68	0.48
Cash Interest Paid	217.65	224.7	188.91	83.83	83.65
Cash Income Tax Paid	1.02	6.02	5.42	13.56	13.06

Source: S&P Global Market Intelligence. Banks template. Financial Sources.