Fundamental Analysis of TFS FINANCIAL CORP(NASDAQ:TFSL) stock

Fundamental Rating

Overall TFSL gets a fundamental rating of 3 out of 10. We evaluated TFSL against 406 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 does not seem to be growing, but still is valued expensively. Finally TFSL also has an excellent dividend rating.

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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.

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 worse Return On Assets (0.47%) than 75.43% of its industry peers.

With a Return On Equity value of 4.15%, TFSL is not doing good in the industry: 81.89% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.47%
ROE	4.15%
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 26.17%, TFSL is in the better half of the industry, outperforming 67.49% of the companies in the same industry.

In the last couple of years the Profit Margin of TFSL has declined.

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)	26.17%
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

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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.

TFSL has less shares outstanding than it did 1 year ago.

TFSL has about the same amout of 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

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

WACC6.3%

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 for TFSL have decreased by -3.45% 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 -1.92% in the past year.

The Revenue has been growing slightly by 0.17% on average over the past years.

EPS 1Y (TTM)-3.45%

EPS 3Y-3.45%

EPS 5Y-3.34%

EPS Q2Q%16.67%

Revenue 1Y (TTM)-1.92%

Revenue growth 3Y1.05%

Revenue growth 5Y0.17%

Sales Q2Q%0.72%

3.2 Future

The Earnings Per Share is expected to decrease by -0.89% on average over the next years.

Based on estimates for the next years, TFSL will show a decrease in Revenue. The Revenue will decrease by -2.36% on average per year.

EPS Next Y2%

EPS Next 2Y-0.89%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-1.72%

Revenue Next 2Y-2.36%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 46.21 indicates a quite expensive valuation of TFSL.

Compared to the rest of the industry, the Price/Earnings ratio of TFSL indicates a rather expensive valuation: TFSL more expensive than 89.58% of the companies listed in the same industry.

TFSL is valuated rather expensively when we compare the Price/Earnings ratio to 31.52, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 48.79, TFSL can be considered very expensive at the moment.

Compared to the rest of the industry, the Price/Forward Earnings ratio of TFSL indicates a rather expensive valuation: TFSL more expensive than 80.40% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.55, TFSL is valued quite expensively.

		Industry Rank	Sector Rank
PE	46.21
Fwd PE	48.79

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of TFSL indicates a slightly more expensive valuation: TFSL is more expensive than 77.67% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	23.04
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)23.11

PEG (5Y)N/A

EPS Next 2Y-0.89%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

TFSL has a Yearly Dividend Yield of 8.99%, which is a nice return.

TFSL's Dividend Yield is rather good when compared to the industry average which is at 3.40. TFSL pays more dividend than 99.50% of the companies in the same industry.

TFSL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.22.

		Industry Rank	Sector Rank
Dividend Yield	8.99%

5.2 History

The dividend of TFSL is nicely growing with an annual growth rate of 9.16%!

TFSL has been paying a dividend for at least 10 years, so it has 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

74.03% of the earnings are spent on dividend by TFSL. 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.

DP74.03%

EPS Next 2Y-0.89%

EPS Next 3YN/A

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TFS FINANCIAL CORP

NASDAQ:TFSL (10/11/2024, 8:00:00 PM)

After market: 12.94 0 (0%)

12.94

+0.37 (+2.94%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap3.63B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.99%

Dividend Growth(5Y)

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)

Max Revenue beat(4)

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	46.21
Fwd PE	48.79
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)23.11

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.47%
ROE	4.15%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	26.17%
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)

High Growth Momentum

Growth

EPS 1Y (TTM)-3.45%

EPS 3Y-3.45%

EPS 5Y

EPS Q2Q%

EPS Next Y2%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-1.92%

Revenue growth 3Y1.05%

Revenue growth 5Y

Sales 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

TFS FINANCIAL CORP (TFSL)

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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