A Business at a Glance
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PART I Forward Looking Statements This report contains forward-looking statements, which can be identified by the use of such words as estimate, project, believe, intend, anticipate, plan, seek, expect and similar expressions. These forward-looking statements include, among other things: ●statements of our goals, intentions and expectations; ●statements regarding our business plans and prospects and growth and operating strategies; ●statements concerning trends in our provision for credit losses and charge-offs on loans and off-balance sheet exposures; ●statements regarding the trends in factors affecting our financial condition and results of operations, including credit quality of our loan and investment portfolios; and ●estimates of our risks and future costs and benefits.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 330M | 321M | 303M | 305M | 291M | 287M |
| Net Income | 91M | 91M | 80M | 75M | 75M | 81M |
| EPS | $0.32 | $0.32 | $0.28 | $0.26 | $0.26 | $0.29 |
| Free Cash Flow | 83M | 71M | 86M | 86M | 36M | 82M |
| ROIC | 4.8% | 23.5% | 22.3% | 14.8% | 12.9% | 16.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 8.22 | 8.18 | 7.78 | 7.56 | 7.11 |
| Dividends/Share | $0.21 | $0.21 | $0.21 | $0.20 | $0.20 | $0.20 |
| Operating Income | 3.1M | 423M | 393M | 268M | 234M | 258M |
| Operating Margin | 0.9% | 131.7% | 129.6% | 87.7% | 80.4% | 89.9% |
| ROE | 4.8% | 4.8% | 4.3% | 3.9% | 4.0% | 4.7% |
| Shares Outstanding | 281M | 284M | 284M | 289M | 287M | 279M |
TFS Financial CORP passes 1 of 9 quality checks, indicating weak fundamentals.
TFS Financial CORP trades at 46.0x trailing earnings, compared to its 15-year median P/E of 38.2x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 49.7x vs a median of 35.0x. The company's 5-year average ROIC is 18.0%. Total shareholder yield (dividends) is 1.5%. At current prices, the estimated annualized return to fair value is -5.5%.
TFS Financial CORP (TFSL) has a current P/E ratio of 46.0, compared to its historical median P/E of 38.2. The stock is currently considered Expensive based on its historical valuation range.
TFS Financial CORP (TFSL) has a 5-year average return on invested capital (ROIC) of 18.0%. This indicates strong capital allocation and a potential competitive advantage.
TFS Financial CORP (TFSL) has a market capitalization of $4.1B. It is classified as a mid-cap stock.
Yes, TFS Financial CORP (TFSL) pays a dividend with a trailing twelve-month yield of 1.45%. The company also returns capital through share buybacks, with a buyback yield of 0.10%.
Based on historical P/E analysis, TFS Financial CORP (TFSL) appears expensive. The current P/E of 46.0 is 20% above its historical median of 38.2. The estimated fair value CAGR (P/E method) is -0.4%.
TFS Financial CORP (TFSL) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
TFS Financial CORP (TFSL) reported annual revenue of $321 million in its most recent fiscal year, based on SEC EDGAR filings.
TFS Financial CORP (TFSL) has a net profit margin of 28.3%. This is a strong margin indicating high profitability.
TFS Financial CORP (TFSL) generated $71 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
TFS Financial CORP (TFSL) has a debt-to-equity ratio of 8.22. This indicates higher leverage, which may increase financial risk.
TFS Financial CORP (TFSL) reported earnings per share (EPS) of $0.32 in its most recent fiscal year.
TFS Financial CORP (TFSL) has a return on equity (ROE) of 4.8%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for TFS Financial CORP (TFSL), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
TFS Financial CORP (TFSL) has a book value per share of $6.66, based on its most recent annual SEC filing.
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