TFS FINANCIAL CORP (TFSL)
US87240R1077 - Common Stock
Overall TFSL gets a fundamental rating of 3 out of 10. We evaluated TFSL against 411 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. TFSL is valued expensive and it does not seem to be growing. TFSL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
TFSL had positive earnings in the past year.
TFSL had a positive operating cash flow in the past year.
TFSL had positive earnings in each of the past 5 years.
Each year in the past 5 years TFSL had a positive operating cash flow.
1.2 Ratios
TFSL has a Return On Assets of 0.42%. This is amonst the worse of the industry: TFSL underperforms 82.00% of its industry peers.
Looking at the Return On Equity, with a value of 3.87%, TFSL is doing worse than 85.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.42% | ||
| ROE | 3.87% | ||
| ROIC | N/A |
ROA(3y)0.49%
ROA(5y)0.51%
ROE(3y)4.13%
ROE(5y)4.38%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 24.05%, TFSL is in line with its industry, outperforming 48.91% of the companies in the same industry.
TFSL's Profit Margin has declined 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) | 24.05% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.39%
PM growth 5Y-2.8%
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.
Compared to 1 year ago, TFSL has less shares outstanding
The number of shares outstanding for TFSL remains at a similar level compared to 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
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
WACC7.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for TFSL have decreased strongly by -10.34% in the last year.
Measured over the past years, TFSL shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.34% on average per year.
The Revenue has decreased by -1.78% in the past year.
TFSL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.17% yearly.
EPS 1Y (TTM)-10.34%
EPS 3Y-3.45%
EPS 5Y-3.34%
EPS growth Q2Q-12.5%
Revenue 1Y (TTM)-1.78%
Revenue growth 3Y1.05%
Revenue growth 5Y0.17%
Revenue growth Q2Q-6.12%
3.2 Future
Based on estimates for the next years, TFSL will show a decrease in Earnings Per Share. The EPS will decrease by -4.19% on average per year.
Based on estimates for the next years, TFSL will show a small growth in Revenue. The Revenue will grow by 1.18% on average per year.
EPS Next Y-10.09%
EPS Next 2Y-4.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.72%
Revenue Next 2Y1.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 47.35 indicates a quite expensive valuation of TFSL.
Based on the Price/Earnings ratio, TFSL is valued more expensive than 91.97% of the companies in the same industry.
TFSL's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.25.
Based on the Price/Forward Earnings ratio of 49.67, the valuation of TFSL can be described as expensive.
79.56% of the companies in the same industry are cheaper than TFSL, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.67. TFSL is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 47.35 | ||
| Fwd PE | 49.67 |
4.2 Price Multiples
TFSL's Price/Free Cash Flow ratio is rather expensive when compared to the industry. TFSL is more expensive than 87.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 77.75 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TFSL's earnings are expected to decrease with -4.19% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.19%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.54%, TFSL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.89, TFSL pays a better dividend. On top of this TFSL pays more dividend than 99.76% of the companies listed in the same industry.
TFSL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.54% |
5.2 History
The dividend of TFSL is nicely growing with an annual growth rate of 9.16%!
TFSL has paid a dividend for at least 10 years, which is a reliable track record.
As TFSL did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)9.16%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
TFSL pays out 80.86% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of TFSL has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP80.86%
EPS Next 2Y-4.19%
EPS Next 3YN/A
TFS FINANCIAL CORP
NASDAQ:TFSL (4/24/2024, 7:00:01 PM)
After market: 12.31 0 (0%)12.31
+0.01 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.46B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.54% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 47.35 | ||
| Fwd PE | 49.67 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.42% | ||
| ROE | 3.87% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 24.05% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-10.34%
EPS 3Y-3.45%
EPS 5Y
EPS growth Q2Q
EPS Next Y-10.09%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-1.78%
Revenue growth 3Y1.05%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y