Kearny Financial Corp. cash flow to debt ratio of 2.15% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Kearny Financial Corp.'s free cash flow has decreased 49.82% from $42.62M last year to $21.39M, signaling decreasing performance

Kearny Financial Corp.'s debt to equity ratio is 1.50, which means that the company's assets are unhealthy financed, signaling financial risk.

Kearny Financial Corp.'s debt has decreased relative to shareholder equity from 1.68 last year to 1.50 today, signaling strengthened financials

Kearny Financial Corp. has a net debt to EBITDA ratio of 1.37x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Kearny Financial Corp. earns at least as much interest as it pays. Interest obligations are fully covered.

Kearny Financial Corp.'s profit margin has increased (37.63%) in the last year from 7.59% to 10.45%, signaling increasing performance

Kearny Financial Corp.'s short-term assets of $6.94B exceed its short-term liabilities of $5.73B

Kearny Financial Corp.'s return on assets of 0.47% is lower than the 5.00% threshold, indicating inefficient asset utilization

Kearny Financial Corp.'s return on equity of 4.77%, is lower than 15.00%, indicating bad performance

Kearny Financial Corp.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Kearny Financial Corp. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Kearny Financial Corp. has positive free cash flow, indicating the company generates cash after capital expenditures

Kearny Financial Corp. has a free cash flow yield of 3.59%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Kearny Financial Corp.'s yearly earnings has increased 39.08% since last year from $26.07M to $36.26M, signaling increasing performance

Kearny Financial Corp.'s yearly revenue has increased 1.05% since last year from $343.53M to $347.14M, signaling increasing performance

ROIC 0.51% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Kearny Financial Corp.'s 3-year revenue CAGR of 5.40% is positive, indicating growing revenue over the past 3 years

Kearny Financial Corp. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Kearny Financial Corp. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Kearny Financial Corp. has insufficient data to evaluate this check.

Kearny Financial Corp. has an earnings yield of 6.10%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Kearny Financial Corp. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Kearny Financial Corp. has an EV/EBITDA ratio of 12.85x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Kearny Financial Corp. is undervalued relative to its fair value price of 12.19 based on Earnings Fair Value model

Kearny Financial Corp.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Kearny Financial Corp. has a price-to-book ratio of 0.78x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Kearny Financial Corp. has a price-to-sales ratio of 1.71x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue