Capitol Federal Savings Bank
S&P 600
Cash Flow
Cash Flow Breakdown
Figures in US$OperatingInvestingFinancing
How to read this: the three bars show where cash moved each year. Operating is cash from the core business (you generally want this positive and growing). Investing is usually negative — money spent on assets or acquisitions. Financing shows money raised from, or returned to, lenders and shareholders. Bars above the line are cash in; bars below are cash out.
Operating Cash Flow vs Capex
Figures in US$Operating Cash FlowCapital Expenditure
How to read this: operating cash flow is the cash the business generated; capital expenditure is what it spent on long-term assets like plant and equipment. The gap between them is roughly free cash flow — the cash left over. A wide gap (operating well above capex) means the business funds its investment comfortably from its own earnings.
| Period | Operating Cash Flow | Investing Cash Flow | Financing Cash Flow | Capital Expenditure |
|---|---|---|---|---|
| FY2014 | $91.79M | $27.98M | $577.19M | $7.23M |
| FY2015 | $86.61M | $-18.50M | $-106.32M | $12.02M |
| FY2016 | $84.96M | $99.49M | $-675.32M | $14.85M |
| FY2017 | $85.45M | $146.28M | $-161.83M | $9.13M |
| FY2018 | $124.16M | $-21.57M | $-315.20M | $11.76M |
| FY2019 | $80.95M | $233.26M | $-199.56M | $11.73M |
| FY2020 | $92.93M | $-151.29M | $44.37M | $14.74M |
| FY2021 | $74.47M | $-326.67M | $82.79M | $9.41M |
| FY2022 | $97.30M | $-167.58M | $49.18M | $5.56M |
| FY2023 | $47.53M | $-329.10M | $477.98M | $6.28M |
| FY2024 | $31.18M | $629.11M | $-688.59M | $7.18M |
| FY2025 | $55.04M | $-206.59M | $186.68M | $5.20M |
Figures in USD. Educational data only.
Understanding these terms
Plain-English explanations of each figure in the table above, and what a beginner typically looks at. These are educational descriptions only, not advice.
- Operating Cash Flow
- Cash produced by the company's core operations during the period. The US equivalent of "Cash from Operating Activity".How a beginner reads it: A beginner uses this as a reality check on profit, since it reflects cash actually collected. Healthy, consistent operating cash flow underpins a company's ability to invest and repay debt.
- Investing Cash Flow
- Cash used for or generated by buying and selling long-term assets and investments. The US equivalent of "Cash from Investing Activity".How a beginner reads it: A beginner expects this to be negative for companies investing in growth. Reading it next to operating cash flow shows whether the business funds its investments from its own earnings.
- Financing Cash Flow
- Cash flows with lenders and shareholders — borrowing, repaying, issuing shares, buybacks, and dividends. The US equivalent of "Cash from Financing Activity".How a beginner reads it: A beginner reads this to understand whether the company is taking in money (borrowing/issuing) or paying it out (repaying/dividends), and how that fits the operating picture.
- Capital Expenditure
- Money spent on buying or upgrading long-lived assets like plant, equipment, and buildings. Often shortened to "capex".How a beginner reads it: A beginner reads capex against operating cash flow to see whether a company funds its investment from its own earnings. Operating cash flow minus capex is roughly free cash flow.