TFSL Fundamental Analysis - TFS FINANCIAL CORP

Fundamental Rating

Taking everything into account, TFSL scores 4 out of 10 in our fundamental rating. TFSL was compared to 391 industry peers in the Banks industry. TFSL scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. While showing a medium growth rate, TFSL is valued expensive at the moment. Finally TFSL also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year TFSL was profitable.

TFSL had a positive operating cash flow in the past year.

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.

1.2 Ratios

TFSL's Return On Assets of 0.47% is on the low side compared to the rest of the industry. TFSL is outperformed by 76.21% of its industry peers.

Looking at the Return On Equity, with a value of 4.33%, TFSL is doing worse than 79.28% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.47%
ROE	4.33%
ROIC	N/A

ROA(3y)0.45%

ROA(5y)0.5%

ROE(3y)3.99%

ROE(5y)4.29%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

TFSL has a better Profit Margin (26.28%) than 65.73% of its industry peers.

TFSL's Profit Margin has been stable in the last couple of years.

TFSL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	26.28%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.37%

PM growth 5Y-1.3%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

TFSL does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, TFSL has about the same amount of shares outstanding.

TFSL has more shares outstanding than it did 5 years ago.

There is no outstanding debt for TFSL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

TFSL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC6.93%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 3.57% over the past year.

The Earnings Per Share has been decreasing by -0.72% on average over the past years.

TFSL shows a small growth in Revenue. In the last year, the Revenue has grown by 2.52%.

TFSL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.18% yearly.

EPS 1Y (TTM)3.57%

EPS 3Y-2.35%

EPS 5Y-0.72%

EPS Q2Q%14.29%

Revenue 1Y (TTM)2.52%

Revenue growth 3Y1.85%

Revenue growth 5Y1.18%

Sales Q2Q%7.79%

3.2 Future

TFSL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.17% yearly.

The Revenue is expected to grow by 8.85% on average over the next years. This is quite good.

EPS Next Y17.11%

EPS Next 2Y11.65%

EPS Next 3Y10.17%

EPS Next 5YN/A

Revenue Next Year15.98%

Revenue Next 2Y11.74%

Revenue Next 3Y8.85%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 46.10, the valuation of TFSL can be described as expensive.

86.19% of the companies in the same industry are cheaper than TFSL, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of TFSL to the average of the S&P500 Index (27.67), we can say TFSL is valued expensively.

The Price/Forward Earnings ratio is 39.72, which means the current valuation is very expensive for TFSL.

TFSL's Price/Forward Earnings ratio is rather expensive when compared to the industry. TFSL is more expensive than 80.31% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of TFSL to the average of the S&P500 Index (23.33), we can say TFSL is valued expensively.

		Industry Rank	Sector Rank
PE	46.1
Fwd PE	39.72

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 83.38% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	151.22
EV/EBITDA	N/A

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)2.69

PEG (5Y)N/A

EPS Next 2Y11.65%

EPS Next 3Y10.17%

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5. Dividend

5.1 Amount

TFSL has a Yearly Dividend Yield of 8.92%, which is a nice return.

TFSL's Dividend Yield is rather good when compared to the industry average which is at 3.55. TFSL pays more dividend than 98.72% of the companies in the same industry.

TFSL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	8.92%

5.2 History

The dividend of TFSL has a limited annual growth rate of 3.10%.

TFSL has paid a dividend for at least 10 years, which is a reliable track record.

TFSL has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)3.1%

Div Incr Years0

Div Non Decr Years10

5.3 Sustainability

TFSL pays out 72.67% of its income as dividend. This is not a sustainable payout ratio.

The dividend of TFSL is growing, but earnings are growing more, so the dividend growth is sustainable.

DP72.67%

EPS Next 2Y11.65%

EPS Next 3Y10.17%

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TFS FINANCIAL CORP

NASDAQ:TFSL (10/23/2025, 8:00:01 PM)

After market: 13.37 0 (0%)

13.37

+0.08 (+0.6%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-30 2025-07-30/amc

Earnings (Next)10-30 2025-10-30/amc

Inst Owners91.83%

Inst Owner Change0.02%

Ins Owners0.5%

Ins Owner Change-2.45%

Market Cap3.75B

Revenue(TTM)311.13M

Net Income(TTM)81.76M

Analysts43.33

Price Target14.28 (6.81%)

Short Float %1.38%

Short Ratio9.85

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.92%

Yearly Dividend0.21

Dividend Growth(5Y)3.1%

DP72.67%

Div Incr Years0

Div Non Decr Years10

Ex-Date09-10 2025-09-10 (0.2825)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-1.96%

Min EPS beat(2)-1.96%

Max EPS beat(2)-1.96%

EPS beat(4)1

Avg EPS beat(4)5.94%

Min EPS beat(4)-1.96%

Max EPS beat(4)29.64%

EPS beat(8)5

Avg EPS beat(8)13.01%

EPS beat(12)7

Avg EPS beat(12)12%

EPS beat(16)11

Avg EPS beat(16)10.45%

Revenue beat(2)1

Avg Revenue beat(2)-4.05%

Min Revenue beat(2)-9.85%

Max Revenue beat(2)1.75%

Revenue beat(4)2

Avg Revenue beat(4)-2.21%

Min Revenue beat(4)-9.85%

Max Revenue beat(4)1.75%

Revenue beat(8)4

Avg Revenue beat(8)-1.91%

Revenue beat(12)6

Avg Revenue beat(12)-1.17%

Revenue beat(16)10

Avg Revenue beat(16)2.6%

PT rev (1m)0%

PT rev (3m)-3.45%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)8.87%

Revenue NY rev (1m)0%

Revenue NY rev (3m)6.27%

Valuation

		Industry Rank	Sector Rank
PE	46.1
Fwd PE	39.72
P/S	12.06
P/FCF	151.22
P/OCF	107.71
P/B	1.99
P/tB	2
EV/EBITDA	N/A

EPS(TTM)0.29

EY2.17%

EPS(NY)0.34

Fwd EY2.52%

FCF(TTM)0.09

FCFY0.66%

OCF(TTM)0.12

OCFY0.93%

SpS1.11

BVpS6.73

TBVpS6.7

PEG (NY)2.69

PEG (5Y)N/A

Graham Number6.62

Profitability

		Industry Rank	Sector Rank
ROA	0.47%
ROE	4.33%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.28%
GM	N/A
FCFM	7.98%

ROA(3y)0.45%

ROA(5y)0.5%

ROE(3y)3.99%

ROE(5y)4.29%

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 3Y-2.37%

PM growth 5Y-1.3%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	46.05%
Cap/Sales	3.22%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	30.35%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC6.93%

ROIC/WACCN/A

Cap/Depr(3y)18.09%

Cap/Depr(5y)13.6%

Cap/Sales(3y)1.2%

Cap/Sales(5y)1.03%

Profit Quality(3y)91.72%

Profit Quality(5y)104.67%

High Growth Momentum

Growth

EPS 1Y (TTM)3.57%

EPS 3Y-2.35%

EPS 5Y-0.72%

EPS Q2Q%14.29%

EPS Next Y17.11%

EPS Next 2Y11.65%

EPS Next 3Y10.17%

EPS Next 5YN/A

Revenue 1Y (TTM)2.52%

Revenue growth 3Y1.85%

Revenue growth 5Y1.18%

Sales Q2Q%7.79%

Revenue Next Year15.98%

Revenue Next 2Y11.74%

Revenue Next 3Y8.85%

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 1Y-58.29%

FCF growth 3Y1.46%

FCF growth 5Y-2.92%

OCF growth 1Y-46.15%

OCF growth 3Y2.12%

OCF growth 5Y-2.97%

TFS FINANCIAL CORP (TFSL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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