TFS FINANCIAL CORP (TFSL) Stock Fundamental Analysis
USA - NASDAQ:TFSL - US87240R1077 - Common Stock
13.61 USD
+0.24 (+1.8%)
13.61 USD
0 (0%)
Overall TFSL gets a fundamental rating of 4 out of 10. We evaluated TFSL against 390 industry peers in the Banks industry. While TFSL seems to be doing ok healthwise, there are quite some concerns on its profitability. TFSL is valied quite expensively at the moment, while it does show a decent growth rate. TFSL also has an excellent dividend rating.
1. Profitability
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.
In the past 5 years TFSL always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of TFSL (0.47%) is worse than 76.73% of its industry peers.
Looking at the Return On Equity, with a value of 4.33%, TFSL is doing worse than 79.80% 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 Profit Margin of 26.28%. This is in the better half of the industry: TFSL outperforms 65.73% of its industry peers.
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) | 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
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
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
WACC6.95%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TFSL shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.57%.
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%.
The Revenue has been growing slightly by 1.18% on average over the past years.
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
The Earnings Per Share is expected to grow by 11.51% on average over the next years. This is quite good.
Based on estimates for the next years, TFSL will show a quite strong growth in Revenue. The Revenue will grow by 8.85% on average per year.
EPS Next Y17.11%
EPS Next 2Y13.17%
EPS Next 3Y11.51%
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.
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
TFSL is valuated quite expensively with a Price/Earnings ratio of 46.93.
Compared to the rest of the industry, the Price/Earnings ratio of TFSL indicates a rather expensive valuation: TFSL more expensive than 86.19% of the companies listed in the same industry.
TFSL is valuated expensively when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 39.36 indicates a quite expensive valuation of TFSL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TFSL indicates a rather expensive valuation: TFSL more expensive than 80.05% of the companies listed in the same industry.
TFSL is valuated expensively when we compare the Price/Forward Earnings ratio to 22.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 46.93 | ||
| Fwd PE | 39.36 |
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 | 153.93 | ||
| 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)2.74
PEG (5Y)N/A
EPS Next 2Y13.17%
EPS Next 3Y11.51%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.45%, TFSL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.53, TFSL pays a better dividend. On top of this TFSL pays more dividend than 98.72% 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 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.45% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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.
TFSL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP72.67%
EPS Next 2Y13.17%
EPS Next 3Y11.51%
13.61
+0.24 (+1.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners91.83%
Inst Owner Change0.13%
Ins Owners0.5%
Ins Owner Change-2.45%
Market Cap3.82B
Revenue(TTM)311.13M
Net Income(TTM)81.76M
Analysts43.33
Price Target14.28 (4.92%)
Short Float %1.41%
Short Ratio9.53
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.45% |
Yearly Dividend0.21
Dividend Growth(5Y)3.1%
DP72.67%
Div Incr Years0
Div Non Decr Years10
Ex-Date
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 | 46.93 | ||
| Fwd PE | 39.36 | ||
| P/S | 12.28 | ||
| P/FCF | 153.93 | ||
| P/OCF | 109.64 | ||
| P/B | 2.02 | ||
| P/tB | 2.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.29
EY2.13%
EPS(NY)0.35
Fwd EY2.54%
FCF(TTM)0.09
FCFY0.65%
OCF(TTM)0.12
OCFY0.91%
SpS1.11
BVpS6.73
TBVpS6.7
PEG (NY)2.74
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
WACC6.95%
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 2Y13.17%
EPS Next 3Y11.51%
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 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 for TFSL stock?
ChartMill assigns a valuation rating of 0 / 10 to TFS FINANCIAL CORP (TFSL). This can be considered as Overvalued.
What is the profitability of TFSL stock?
TFS FINANCIAL CORP (TFSL) has a profitability rating of 3 / 10.
What are the PE and PB ratios of TFS FINANCIAL CORP (TFSL) stock?
The Price/Earnings (PE) ratio for TFS FINANCIAL CORP (TFSL) is 46.93 and the Price/Book (PB) ratio is 2.02.
How financially healthy is TFS FINANCIAL CORP?
The financial health rating of TFS FINANCIAL CORP (TFSL) is 4 / 10.