US87240R1077 - Common Stock

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.

In the past year **TFSL** had a positive cash flow from operations.

Each year in the past 5 years **TFSL** had a positive operating cash flow.

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

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.

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

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.

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%

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | N/A | ||

Quick Ratio | N/A |

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%

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

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.

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.

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 |

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 |

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

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 8.99% |

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

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

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

**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)

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)

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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)

EY

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