TFS FINANCIAL CORP (TFSL) Fundamental Analysis & Valuation

NASDAQ:TFSL • US87240R1077

Current stock price

14.21 USD
-0.09 (-0.63%)
At close:
14.21 USD
0 (0%)
After Hours:

This TFSL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. TFSL Profitability Analysis

1.1 Basic Checks

  • In the past year TFSL was profitable.
  • In the past year TFSL had a positive cash flow from operations.
  • Each year in the past 5 years TFSL has been profitable.
  • Each year in the past 5 years TFSL had a positive operating cash flow.
TFSL Yearly Net Income VS EBIT VS OCF VS FCFTFSL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • TFSL has a Return On Assets of 0.51%. This is amonst the worse of the industry: TFSL underperforms 82.89% of its industry peers.
  • TFSL has a Return On Equity of 4.70%. This is amonst the worse of the industry: TFSL underperforms 84.21% of its industry peers.
Industry RankSector Rank
ROA 0.51%
ROE 4.7%
ROIC N/A
ROA(3y)0.47%
ROA(5y)0.49%
ROE(3y)4.25%
ROE(5y)4.26%
ROIC(3y)N/A
ROIC(5y)N/A
TFSL Yearly ROA, ROE, ROICTFSL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

1.3 Margins

  • With a decent Profit Margin value of 27.04%, TFSL is doing good in the industry, outperforming 60.26% of the companies in the same industry.
  • In the last couple of years the Profit Margin of TFSL has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for TFSL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.04%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.51%
PM growth 5Y0.15%
GM growth 3YN/A
GM growth 5YN/A
TFSL Yearly Profit, Operating, Gross MarginsTFSL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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3

2. TFSL Health Analysis

2.1 Basic Checks

  • TFSL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • TFSL has about the same amout of shares outstanding than it did 1 year ago.
  • TFSL has more shares outstanding than it did 5 years ago.
  • TFSL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
TFSL Yearly Shares OutstandingTFSL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
TFSL Yearly Total Debt VS Total AssetsTFSL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • TFSL has a debt to FCF ratio of 1.80. This is a very positive value and a sign of high solvency as it would only need 1.80 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 1.80, TFSL perfoms like the industry average, outperforming 52.37% of the companies in the same industry.
  • A Debt/Equity ratio of 0.08 indicates that TFSL is not too dependend on debt financing.
  • TFSL has a better Debt to Equity ratio (0.08) than 73.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.8
Altman-Z N/A
ROIC/WACCN/A
WACC6.62%
TFSL Yearly LT Debt VS Equity VS FCFTFSL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TFSL Yearly Current Assets VS Current LiabilitesTFSL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. TFSL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 14.29% over the past year.
  • TFSL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.30% yearly.
  • Looking at the last year, TFSL shows a quite strong growth in Revenue. The Revenue has grown by 9.18% in the last year.
  • The Revenue has been growing slightly by 1.69% on average over the past years.
EPS 1Y (TTM)14.29%
EPS 3Y5.83%
EPS 5Y1.3%
EPS Q2Q%0%
Revenue 1Y (TTM)9.18%
Revenue growth 3Y3.35%
Revenue growth 5Y1.69%
Sales Q2Q%10.76%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.37% on average over the next years.
  • The Revenue is expected to grow by 5.89% on average over the next years.
EPS Next Y5.19%
EPS Next 2Y6.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.56%
Revenue Next 2Y5.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
TFSL Yearly Revenue VS EstimatesTFSL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
TFSL Yearly EPS VS EstimatesTFSL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.1 0.2 0.3

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0

4. TFSL Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 44.41 indicates a quite expensive valuation of TFSL.
  • 89.21% of the companies in the same industry are cheaper than TFSL, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.21. TFSL is valued rather expensively when compared to this.
  • Based on the Price/Forward Earnings ratio of 39.24, the valuation of TFSL can be described as expensive.
  • Based on the Price/Forward Earnings ratio, TFSL is valued more expensive than 80.79% of the companies in the same industry.
  • TFSL is valuated expensively when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 44.41
Fwd PE 39.24
TFSL Price Earnings VS Forward Price EarningsTFSL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of TFSL indicates a rather expensive valuation: TFSL more expensive than 83.42% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 47.95
EV/EBITDA N/A
TFSL Per share dataTFSL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)8.56
PEG (5Y)34.18
EPS Next 2Y6.37%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. TFSL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 8.30%, TFSL is a good candidate for dividend investing.
  • TFSL's Dividend Yield is rather good when compared to the industry average which is at 2.73. TFSL pays more dividend than 99.47% of the companies in the same industry.
  • TFSL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 8.3%

5.2 History

  • The dividend of TFSL has a limited annual growth rate of 1.36%.
  • TFSL has paid a dividend for at least 10 years, which is a reliable track record.
  • TFSL has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.36%
Div Incr Years0
Div Non Decr Years11
TFSL Yearly Dividends per shareTFSL Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • TFSL pays out 66.88% of its income as dividend. This is not a sustainable payout ratio.
  • TFSL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP66.88%
EPS Next 2Y6.37%
EPS Next 3YN/A
TFSL Yearly Income VS Free CF VS DividendTFSL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
TFSL Dividend Payout.TFSL Dividend Payout, showing the Payout Ratio.TFSL Dividend Payout.PayoutRetained Earnings

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TFSL Fundamentals: All Metrics, Ratios and Statistics

TFS FINANCIAL CORP

NASDAQ:TFSL (4/6/2026, 8:10:48 PM)

After market: 14.21 0 (0%)

14.21

-0.09 (-0.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners93.74%
Inst Owner Change0%
Ins Owners0.46%
Ins Owner Change-0.51%
Market Cap3.99B
Revenue(TTM)330.37M
Net Income(TTM)89.34M
Analysts45.71
Price Target14.79 (4.08%)
Short Float %2.53%
Short Ratio8.9
Dividend
Industry RankSector Rank
Dividend Yield 8.3%
Yearly Dividend0.21
Dividend Growth(5Y)1.36%
DP66.88%
Div Incr Years0
Div Non Decr Years11
Ex-Date03-11
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.29%
Min EPS beat(2)-10.87%
Max EPS beat(2)10.29%
EPS beat(4)1
Avg EPS beat(4)-1.13%
Min EPS beat(4)-10.87%
Max EPS beat(4)10.29%
EPS beat(8)4
Avg EPS beat(8)7.76%
EPS beat(12)7
Avg EPS beat(12)11.57%
EPS beat(16)10
Avg EPS beat(16)9.54%
Revenue beat(2)0
Avg Revenue beat(2)-6.67%
Min Revenue beat(2)-12.68%
Max Revenue beat(2)-0.65%
Revenue beat(4)1
Avg Revenue beat(4)-5.36%
Min Revenue beat(4)-12.68%
Max Revenue beat(4)1.75%
Revenue beat(8)3
Avg Revenue beat(8)-2.79%
Revenue beat(12)5
Avg Revenue beat(12)-2.49%
Revenue beat(16)8
Avg Revenue beat(16)0.16%
PT rev (1m)0%
PT rev (3m)3.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.4%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.81%
Valuation
Industry RankSector Rank
PE 44.41
Fwd PE 39.24
P/S 12.07
P/FCF 47.95
P/OCF 41.69
P/B 2.1
P/tB 2.11
EV/EBITDA N/A
EPS(TTM)0.32
EY2.25%
EPS(NY)0.36
Fwd EY2.55%
FCF(TTM)0.3
FCFY2.09%
OCF(TTM)0.34
OCFY2.4%
SpS1.18
BVpS6.78
TBVpS6.74
PEG (NY)8.56
PEG (5Y)34.18
Graham Number6.98
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 4.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.04%
GM N/A
FCFM 25.17%
ROA(3y)0.47%
ROA(5y)0.49%
ROE(3y)4.25%
ROE(5y)4.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.51%
PM growth 5Y0.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.8
Debt/EBITDA N/A
Cap/Depr 52%
Cap/Sales 3.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 93.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC6.62%
ROIC/WACCN/A
Cap/Depr(3y)31.32%
Cap/Depr(5y)21.59%
Cap/Sales(3y)2.08%
Cap/Sales(5y)1.53%
Profit Quality(3y)101.64%
Profit Quality(5y)91.49%
High Growth Momentum
Growth
EPS 1Y (TTM)14.29%
EPS 3Y5.83%
EPS 5Y1.3%
EPS Q2Q%0%
EPS Next Y5.19%
EPS Next 2Y6.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.18%
Revenue growth 3Y3.35%
Revenue growth 5Y1.69%
Sales Q2Q%10.76%
Revenue Next Year6.56%
Revenue Next 2Y5.89%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y87.08%
FCF growth 3Y25.15%
FCF growth 5Y-9.76%
OCF growth 1Y98.19%
OCF growth 3Y28.44%
OCF growth 5Y-7.51%

TFS FINANCIAL CORP / TFSL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of TFS FINANCIAL CORP (TFSL) stock?

ChartMill assigns a fundamental rating of 3 / 10 to TFSL.


What is the valuation status of TFS FINANCIAL CORP (TFSL) stock?

ChartMill assigns a valuation rating of 0 / 10 to TFS FINANCIAL CORP (TFSL). This can be considered as Overvalued.


How profitable is TFS FINANCIAL CORP (TFSL) stock?

TFS FINANCIAL CORP (TFSL) has a profitability rating of 3 / 10.


What is the valuation of TFS FINANCIAL CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for TFS FINANCIAL CORP (TFSL) is 44.41 and the Price/Book (PB) ratio is 2.1.


Can you provide the expected EPS growth for TFSL stock?

The Earnings per Share (EPS) of TFS FINANCIAL CORP (TFSL) is expected to grow by 5.19% in the next year.