A Business at a Glance
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TFS Financial CORP
TFSL
$5.1B
Mkt Cap
$18.19
+0.17%
TFS Financial CORP (TFSL) has a current P/E ratio of 56.8, 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 6.1%. This is below average and may indicate limited pricing power.
TFS Financial CORP (TFSL) has a market capitalization of $5.1B. It is classified as a mid-cap stock.
Yes, TFS Financial CORP (TFSL) pays a dividend with a trailing twelve-month yield of 1.17%. The company also returns capital through share buybacks, with a buyback yield of 0.16%.
Based on historical P/E analysis, TFS Financial CORP (TFSL) appears expensive. The current P/E of 56.8 is 49% above its historical median of 38.2. The estimated fair value CAGR (P/E method) is -0.3%.
TFS Financial CORP (TFSL) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
TFS Financial CORP (TFSL) reported annual revenue of $792 million in its most recent fiscal year, based on SEC EDGAR filings.
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 | 336M | 792M | 759M | 633M | 291M | 445M |
| Net Income | 92M | 90M | 78M | 74M | 75M | 79M |
| EPS | $0.33 | $0.32 | $0.28 | $0.26 | $0.26 | $0.29 |
| Free Cash Flow | 82M | 71M | 86M | 86M | 36M | 82M |
| ROIC | 4.6% | 4.8% | 4.1% | 3.9% | 12.9% | 4.7% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.21 | 8.22 | 8.18 | 7.78 | 7.56 | 7.11 |
| Dividends/Share | $0.21 | $0.21 | $0.21 | $0.21 | $0.20 | $0.21 |
| Operating Income | 2.6M | 115M | 100M | 3.7M | 234M | 100M |
| Operating Margin | 0.8% | 14.5% | 13.2% | 0.6% | 80.4% | 22.5% |
| ROE | 4.8% | 4.8% | 4.1% | 3.9% | 4.0% | 4.7% |
| Shares Outstanding | 280M | 280M | 279M | 283M | 287M | 274M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 397M | 408M | 413M | 429M | 465M | 503M | 509M | 445M | 291M | 633M | 759M | 792M | 336M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 90M | 96M | 96M | 95M | 101M | 104M | 104M | 109M | N/A | 113M | 108M | 110M | 116M |
| EBIT | 4.2M | 4.4M | 122M | 133M | 4.5M | 4.6M | 8.9M | 100M | 234M | 3.7M | 100M | 115M | 2.6M |
| Op. Margin | 1.0% | 1.1% | 29.6% | 31.1% | 1.0% | 0.9% | 1.7% | 22.5% | 80.4% | 0.6% | 13.2% | 14.5% | 0.8% |
| Net Income | 66M | 72M | 80M | 88M | 84M | 79M | 82M | 79M | 75M | 74M | 78M | 90M | 92M |
| Net Margin | 16.5% | 17.6% | 19.3% | 20.5% | 18.1% | 15.7% | 16.1% | 17.9% | 25.6% | 11.6% | 10.3% | 11.3% | 27.2% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 3.5% | 4.0% | 4.7% | 5.3% | 4.9% | 4.6% | 4.9% | 4.7% | 12.9% | 3.9% | 4.1% | 4.8% | 4.6% |
| ROE | 3.5% | 4.0% | 4.7% | 5.3% | 4.9% | 4.6% | 4.9% | 4.7% | 4.0% | 3.9% | 4.1% | 4.8% | 4.8% |
| ROA | 0.6% | 0.6% | 0.6% | 0.7% | 0.6% | 0.5% | 0.6% | 0.6% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 104M | 102M | 85M | 101M | 92M | 103M | 122M | 83M | 39M | 91M | 89M | 82M | 92M |
| Free Cash Flow | 101M | 97M | 76M | 97M | 84M | 99M | 119M | 82M | 36M | 86M | 86M | 71M | 82M |
| Owner Earnings | 87M | 83M | 66M | 84M | 75M | 85M | 104M | 64M | 885K | 76M | 74M | 68M | 75M |
| CapEx | 2.8M | 5.5M | 9.1M | 4.2M | 8.4M | 3.8M | 3.2M | 1.3M | 2.7M | 5.1M | 3.1M | 11M | 9.8M |
| Maint. CapEx | 4.6M | 4.8M | 5.5M | 5.6M | 5.7M | 5.9M | 5.4M | 5.4M | 27M | 4.9M | 4.6M | 4.6M | 5.9M |
| Growth CapEx | 0 | 724K | 3.6M | 0 | 2.7M | 0 | 0 | 0 | 0 | 180K | 0 | 6.8M | 3.9M |
| D&A | 4.6M | 4.8M | 5.5M | 5.6M | 5.7M | 5.9M | 5.4M | 5.4M | 27M | 4.9M | 4.6M | 4.6M | 5.9M |
| CapEx/OCF | 2.7% | 5.4% | 10.7% | 3.8% | 9.1% | 3.7% | 2.6% | 1.6% | 6.9% | 5.6% | 3.5% | 13.9% | 10.6% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 4.9M | 19M | 23M | 28M | 38M | 50M | 55M | 57M | 58M | 58M | 59M | 60M | 60M |
| Dividend Yield | 0.2% | 0.8% | 0.9% | 1.1% | 1.5% | 1.8% | 1.8% | 1.6% | 1.7% | 2.0% | 1.9% | 1.7% | 1.2% |
| Share Buybacks | 101M | 173M | 128M | 54M | 20M | 9.1M | 2.3M | 5.6M | 6.3M | 6.0M | 1.9M | 4.0M | 8.3M |
| Buyback Yield | 4.6% | 6.6% | 4.6% | 2.2% | 0.8% | 0.3% | 0.0% | 0.1% | 0.2% | 0.2% | 0.1% | 0.1% | 0.2% |
| Stock-Based Comp | 12M | 14M | 13M | 11M | 11M | 12M | 12M | 14M | 11M | 10M | 9.5M | 9.6M | 11M |
| Debt Repayment | 51M | 15M | 186M | 208M | 282M | 421M | 350M | 4.7M | 3.6M | 78M | 427M | 427M | 427M |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -491M |
| Cash & Equiv. | 181M | 155M | 231M | 268M | 270M | 275M | 498M | 488M | N/A | 467M | 464M | 429M | 892M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 50M |
| Debt/Equity | 5.42 | 6.15 | 6.77 | 7.10 | 7.04 | 7.57 | 7.76 | 7.11 | 7.56 | 7.78 | 8.18 | 8.22 | 0.21 |
| Interest Coverage | 0.0 | 0.0 | 2.0 | 2.0 | 0.0 | 0.0 | 0.0 | 1.6 | 1.6 | 1.5 | 1.3 | 1.4 | 0.3 |
| Equity | 1.8B | 1.7B | 1.7B | 1.7B | 1.8B | 1.7B | 1.7B | 1.7B | 1.8B | 1.9B | 1.9B | 1.9B | 1.9B |
| Total Assets | 11.8B | 12.4B | 12.9B | 13.7B | 14.1B | 14.5B | 14.6B | 14.1B | 15.8B | 16.9B | 17.1B | 17.5B | 17.5B |
| Total Liabilities | 10.0B | 10.6B | 11.2B | 12.0B | 12.4B | 12.8B | 13.0B | 12.3B | 13.9B | 15.0B | 15.2B | 15.6B | 15.6B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 590M | 642M | 699M | 760M | 808M | 838M | 866M | 854M | 870M | 887M | 915M | 947M | 962M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | 40M | 49M | 54M | 43M | 31M | 40M | 66M | 89M | 84M | 113M | 98M | 102M | 102M |
| Per Share Data | |||||||||||||
| EPS | 0.22 | 0.25 | 0.28 | 0.32 | 0.30 | 0.28 | 0.29 | 0.29 | 0.26 | 0.26 | 0.28 | 0.32 | 0.33 |
| Owner EPS | 0.29 | 0.29 | 0.23 | 0.31 | 0.27 | 0.30 | 0.37 | 0.23 | 0.00 | 0.27 | 0.27 | 0.24 | 0.27 |
| Book Value | 6.18 | 6.01 | 5.83 | 6.15 | 6.27 | 6.04 | 5.93 | 6.32 | 6.43 | 6.80 | 6.67 | 6.77 | 6.85 |
| Cash Flow/Share | 0.35 | 0.35 | 0.30 | 0.37 | 0.33 | 0.37 | 0.43 | 0.30 | 0.14 | 0.32 | 0.32 | 0.29 | 0.35 |
| Dividends/Share | 0.02 | 0.07 | 0.08 | 0.10 | 0.13 | 0.18 | 0.20 | 0.21 | 0.20 | 0.21 | 0.21 | 0.21 | 0.21 |
| Shares Out. | 297.8M | 287.9M | 285.0M | 274.9M | 280.7M | 281.1M | 281.9M | 274.0M | 286.8M | 283.4M | 279.1M | 279.7M | 280.5M |
| Valuation | |||||||||||||
| P/E Ratio | 33.7 | 36.3 | 34.8 | 28.3 | 29.5 | 40.2 | 34.2 | 46.6 | 38.9 | 37.5 | 41.2 | 40.5 | 55.8 |
| P/FCF | 21.9 | 27.0 | 36.6 | 25.6 | 29.7 | 31.9 | 23.6 | 45.3 | 80.1 | 32.3 | 37.7 | 51.1 | 62.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.2 | 1.5 | 1.7 | 1.5 | 1.4 | 1.9 | 1.7 | 2.2 | 1.6 | 1.5 | 1.8 | 1.9 | 2.7 |
| Price/Sales | 6.8 | 7.9 | 9.3 | 8.6 | 8.3 | 10.2 | 10.6 | 12.7 | 11.6 | 9.9 | 10.4 | 10.8 | 15.2 |
| FCF Yield | 4.5% | 3.7% | 2.7% | 3.9% | 3.3% | 3.1% | 4.2% | 2.2% | 1.2% | 3.0% | 2.6% | 1.9% | 1.6% |
| Market Cap | 2.2B | 2.6B | 2.8B | 2.5B | 2.5B | 3.2B | 2.9B | 3.8B | 2.9B | 2.8B | 3.3B | 3.7B | 5.1B |
| Avg. Price | 6.64 | 8.01 | 9.54 | 9.29 | 8.81 | 10.18 | 10.87 | 13.07 | 11.80 | 10.44 | 11.12 | 12.21 | 18.19 |
| Year-End Price | 7.42 | 9.06 | 9.74 | 9.04 | 8.86 | 11.24 | 9.93 | 13.52 | 10.12 | 9.76 | 11.55 | 12.96 | 18.19 |
TFS Financial CORP passes 1 of 9 quality checks, indicating weak fundamentals.
TFS Financial CORP trades at 56.8x 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 61.4x vs a median of 34.5x. The company's 5-year average ROIC is 6.1%. Total shareholder yield (dividends + buybacks) is 1.3%. At current prices, the estimated annualized return to fair value is -5.5%.
TFS Financial CORP (TFSL) has a net profit margin of 11.3%. This is a healthy margin.
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 16 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 $6.77, based on its most recent annual SEC filing.
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