ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Capitol Federal Financial, Inc. ?
1
Weak Long Term Fundamental Strength with a -2.26% CAGR growth in Net Profits
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
The company has declared Positive results for the last 3 consecutive quarters
- NII(Q) Highest at USD 45.46 MM
- ROCE(HY) Highest at 0.63%
- NET SALES(Q) Highest at USD 99.68 MM
3
With ROA of 0.38%, it has a very attractive valuation with a 0.74 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -3.34%, its profits have risen by 145.4% ; the PEG ratio of the company is 0.1
- At the current price, the company has a high dividend yield of 603.2
4
High Institutional Holdings at 83.79%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 12.33% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -3.34% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Capitol Federal Financial, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Capitol Federal Financial, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Capitol Federal Financial, Inc.
1.97%
1.08
27.64%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.38%
EBIT Growth (5y)
-0.94%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
117.00%
Pledged Shares
0
Institutional Holding
83.79%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.74
EV to EBIT
37.98
EV to EBITDA
33.73
EV to Capital Employed
0.90
EV to Sales
6.37
PEG Ratio
0.10
Dividend Yield
603.23%
ROCE (Latest)
2.37%
ROE (Latest)
5.06%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
NII(Q)
Highest at USD 45.46 MM
ROCE(HY)
Highest at 0.63%
NET SALES(Q)
Highest at USD 99.68 MM
OPERATING PROFIT(Q)
Highest at USD 21.63 MM
OPERATING PROFIT MARGIN(Q)
Highest at 21.7 %
PRE-TAX PROFIT(Q)
Highest at USD 21.63 MM
NET PROFIT(Q)
Highest at USD 18.36 MM
EPS(Q)
Highest at USD 0.14
-9What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 30.41 MM
ROCE(HY)
Lowest at 0.63%
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Lowest at USD 41.25 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 125.12%
Here's what is working for Capitol Federal Financial, Inc.
NII
Highest at USD 45.46 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 99.68 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 21.63 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 21.7 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 21.63 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 18.36 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 18.36 MM has Grown at 39.95%
over average net sales of the previous four periods of USD 13.12 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.14
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Capitol Federal Financial, Inc.
Operating Cash Flow
Lowest at USD 30.41 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Highest at 0.6%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Cash and Eqv
Lowest at USD 41.25 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 125.12%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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