13.86 USD
+0.11 (+0.8%)
Overall TFSL gets a fundamental rating of 4 out of 10. We evaluated TFSL against 387 industry peers in the Banks industry. The financial health of TFSL is average, but there are quite some concerns on its profitability. While showing a medium growth rate, TFSL is valued expensive at the moment. Finally TFSL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
TFSL had positive earnings in the past year.
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.
1.2 Ratios
TFSL has a Return On Assets of 0.51%. This is in the lower half of the industry: TFSL underperforms 76.49% of its industry peers.
TFSL's Return On Equity of 4.73% is on the low side compared to the rest of the industry. TFSL is outperformed by 78.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 4.73% | ||
| 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
1.3 Margins
With a decent Profit Margin value of 27.84%, TFSL is doing good in the industry, outperforming 70.03% of the companies in the same industry.
TFSL's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for TFSL so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.84% | ||
| 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
2. Health
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.
The number of shares outstanding for TFSL has been increased compared to 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.
2.2 Solvency
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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.69%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 18.52% over the past year.
Measured over the past 5 years, TFSL shows a small growth in Earnings Per Share. The EPS has been growing by 1.30% on average per year.
The Revenue has been growing slightly by 6.04% in the past year.
The Revenue has been growing slightly by 1.69% on average over the past years.
EPS 1Y (TTM)18.52%
EPS 3Y5.83%
EPS 5Y1.3%
EPS Q2Q%50%
Revenue 1Y (TTM)6.04%
Revenue growth 3Y3.35%
Revenue growth 5Y1.69%
Sales Q2Q%24.4%
3.2 Future
Based on estimates for the next years, TFSL will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.16% on average per year.
The Revenue is expected to grow by 6.28% on average over the next years.
EPS Next Y13.47%
EPS Next 2Y8.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.52%
Revenue Next 2Y6.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 43.31, the valuation of TFSL can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of TFSL indicates a rather expensive valuation: TFSL more expensive than 86.05% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.87, TFSL is valued quite expensively.
A Price/Forward Earnings ratio of 38.17 indicates a quite expensive valuation of TFSL.
TFSL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TFSL is more expensive than 79.84% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.46. TFSL is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.31 | ||
| Fwd PE | 38.17 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TFSL is valued more expensive than 81.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 54.78 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TFSL does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.21
PEG (5Y)33.34
EPS Next 2Y8.16%
EPS Next 3YN/A
5. Dividend
5.1 Amount
TFSL has a Yearly Dividend Yield of 8.45%, which is a nice return.
Compared to an average industry Dividend Yield of 2.78, TFSL pays a better dividend. On top of this TFSL pays more dividend than 99.22% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.94, TFSL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.45% |
5.2 History
The dividend of TFSL has a limited annual growth rate of 1.36%.
TFSL has been paying a dividend for at least 10 years, so it has 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 Years10
5.3 Sustainability
TFSL pays out 66.52% 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.
DP66.52%
EPS Next 2Y8.16%
EPS Next 3YN/A
NASDAQ:TFSL (1/6/2026, 12:41:06 PM)
13.86
+0.11 (+0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.44%
Inst Owner Change0%
Ins Owners0.54%
Ins Owner Change8.49%
Market Cap3.89B
Revenue(TTM)321.47M
Net Income(TTM)89.50M
Analysts43.33
Price Target14.28 (3.03%)
Short Float %1.69%
Short Ratio8.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.45% |
Yearly Dividend0.21
Dividend Growth(5Y)1.36%
DP66.52%
Div Incr Years0
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.17%
Min EPS beat(2)-1.96%
Max EPS beat(2)10.29%
EPS beat(4)2
Avg EPS beat(4)9%
Min EPS beat(4)-1.96%
Max EPS beat(4)29.64%
EPS beat(8)5
Avg EPS beat(8)10.91%
EPS beat(12)7
Avg EPS beat(12)12.11%
EPS beat(16)11
Avg EPS beat(16)10.65%
Revenue beat(2)0
Avg Revenue beat(2)-5.25%
Min Revenue beat(2)-9.85%
Max Revenue beat(2)-0.65%
Revenue beat(4)1
Avg Revenue beat(4)-2.71%
Min Revenue beat(4)-9.85%
Max Revenue beat(4)1.75%
Revenue beat(8)3
Avg Revenue beat(8)-2.2%
Revenue beat(12)5
Avg Revenue beat(12)-1.48%
Revenue beat(16)9
Avg Revenue beat(16)1.72%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.17%
EPS NY rev (1m)0%
EPS NY rev (3m)7.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.31 | ||
| Fwd PE | 38.17 | ||
| P/S | 12.09 | ||
| P/FCF | 54.78 | ||
| P/OCF | 47.17 | ||
| P/B | 2.05 | ||
| P/tB | 2.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.32
EY2.31%
EPS(NY)0.36
Fwd EY2.62%
FCF(TTM)0.25
FCFY1.83%
OCF(TTM)0.29
OCFY2.12%
SpS1.15
BVpS6.75
TBVpS6.72
PEG (NY)3.21
PEG (5Y)33.34
Graham Number6.97
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 4.73% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.84% | ||
| GM | N/A | ||
| FCFM | 22.08% |
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-Score7
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 49.69% | ||
| Cap/Sales | 3.56% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 79.29% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC6.69%
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)18.52%
EPS 3Y5.83%
EPS 5Y1.3%
EPS Q2Q%50%
EPS Next Y13.47%
EPS Next 2Y8.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.04%
Revenue growth 3Y3.35%
Revenue growth 5Y1.69%
Sales Q2Q%24.4%
Revenue Next Year8.52%
Revenue Next 2Y6.28%
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 1Y-17.03%
FCF growth 3Y25.15%
FCF growth 5Y-9.76%
OCF growth 1Y-6.98%
OCF growth 3Y28.44%
OCF growth 5Y-7.51%
TFS FINANCIAL CORP / TFSL FAQ
What is the ChartMill fundamental rating of TFS FINANCIAL CORP (TFSL) stock?
ChartMill assigns a fundamental rating of 4 / 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.
Can you provide the profitability details for TFS FINANCIAL CORP?
TFS FINANCIAL CORP (TFSL) has a profitability rating of 3 / 10.
Can you provide the financial health for TFSL stock?
The financial health rating of TFS FINANCIAL CORP (TFSL) is 4 / 10.
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 13.47% in the next year.