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Capitol Federal Financial vs Provident Financial Services: revenue, profit, margins and growth compared

Capitol Federal Financial brought in $16.3M of revenue in fiscal 2025, Provident Financial Services $73.1M in fiscal 2025. Revenue changed by +6.5% at Capitol Federal Financial and +7.1% at Provident Financial Services on the year before, so Provident Financial Services grew faster. Capitol Federal Financial kept 417.3% of its revenue as net profit, Provident Financial Services 398.3%. Free cash flow was $49.8M at Capitol Federal Financial and $430.7M at Provident Financial Services.

Side by side, latest fiscal year

CFFNPFS
Fiscal year endedFY2025 (September 30, 2025)FY2025 (December 31, 2025)
Revenue$16.3M$73.1M
Revenue growth+6.5%+7.1%
Net income$68M$291.2M
Net margin417.3%398.3%
Free cash flow$49.8M$430.7M
Free cash flow margin305.8%589.2%
Earnings per share (diluted)$0.52$2.23
Cash$252.4M$209.1M
Debtn/an/a
Price to earnings16.710.2
Market value$1.1B$3B
Dividend yield3.92%4.20%
Rank by revenue in sector#395 of 444 · Finance#341 of 444 · Finance

Over the years

Revenue
CFFN FY2018: $15.6MCFFN FY2019: $16.6MCFFN FY2020: $14.8MCFFN FY2021: $16.5MCFFN FY2022: $18.1MCFFN FY2023: $17.6MCFFN FY2024: $15.3MCFFN FY2025: $16.3MPFS FY2018: $37.3MPFS FY2019: $41.4MPFS FY2020: $45.5MPFS FY2021: $57.6MPFS FY2022: $55MPFS FY2023: $57.5MPFS FY2024: $68.3MPFS FY2025: $73.1MFY18FY19FY20FY21FY22FY23FY24FY25
CFFN $16.3MPFS $73.1M
Net income
CFFN FY2018: $98.9MCFFN FY2019: $94.2MCFFN FY2020: $64.5MCFFN FY2021: $76.1MCFFN FY2022: $84.5MCFFN FY2023: -$101.7MCFFN FY2024: $38MCFFN FY2025: $68MPFS FY2018: $118.4MPFS FY2019: $112.6MPFS FY2020: $97MPFS FY2021: $167.9MPFS FY2022: $175.6MPFS FY2023: $128.4MPFS FY2024: $115.5MPFS FY2025: $291.2MFY18FY19FY20FY21FY22FY23FY24FY25
CFFN $68MPFS $291.2M
Net margin
CFFN FY2018: 632.7%CFFN FY2019: 567.7%CFFN FY2020: 436.1%CFFN FY2021: 461.1%CFFN FY2022: 466.6%CFFN FY2023: -577.6%CFFN FY2024: 248.4%CFFN FY2025: 417.3%PFS FY2018: 317.5%PFS FY2019: 272.4%PFS FY2020: 212.9%PFS FY2021: 291.7%PFS FY2022: 319.4%PFS FY2023: 223.2%PFS FY2024: 169.2%PFS FY2025: 398.3%FY18FY19FY20FY21FY22FY23FY24FY25
CFFN 417.3%PFS 398.3%
Revenue growth
CFFN FY2019: +6.2%CFFN FY2020: -10.8%CFFN FY2021: +11.5%CFFN FY2022: +9.7%CFFN FY2023: -2.8%CFFN FY2024: -13.1%CFFN FY2025: +6.5%PFS FY2019: +10.9%PFS FY2020: +10.1%PFS FY2021: +26.4%PFS FY2022: -4.5%PFS FY2023: +4.6%PFS FY2024: +18.7%PFS FY2025: +7.1%FY19FY20FY21FY22FY23FY24FY25
CFFN +6.5%PFS +7.1%
Free cash flow
CFFN FY2018: $112.4MCFFN FY2019: $69.2MCFFN FY2020: $78.2MCFFN FY2021: $65.1MCFFN FY2022: $91.7MCFFN FY2023: $41.3MCFFN FY2024: $24MCFFN FY2025: $49.8MPFS FY2018: $152.6MPFS FY2019: $132MPFS FY2020: $90.5MPFS FY2021: $143MPFS FY2022: $190.9MPFS FY2023: $165.9MPFS FY2024: $425.1MPFS FY2025: $430.7MFY18FY19FY20FY21FY22FY23FY24FY25
CFFN $49.8MPFS $430.7M

Fiscal years as each company reports them; the two may end in different months.

Questions about Capitol Federal Financial and Provident Financial Services

Which is bigger by revenue, Capitol Federal Financial or Provident Financial Services?

Provident Financial Services is bigger by revenue: $73.1M in fiscal 2025, against $16.3M for Capitol Federal Financial in fiscal 2025.

Which keeps more of its revenue as profit, Capitol Federal Financial or Provident Financial Services?

Capitol Federal Financial had a net margin of 417.3% in fiscal 2025; Provident Financial Services had 398.3% in fiscal 2025.

Which grew revenue faster, Capitol Federal Financial or Provident Financial Services?

In their latest fiscal years revenue changed by +6.5% at Capitol Federal Financial and +7.1% at Provident Financial Services.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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