TFSL Fundamental Analysis - TFS FINANCIAL CORP

Fundamental Rating

Taking everything into account, TFSL scores 4 out of 10 in our fundamental rating. TFSL was compared to 393 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. TFSL also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year TFSL was profitable.

TFSL had a positive operating cash flow in the past year.

In the past 5 years TFSL has always been profitable.

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

1.2 Ratios

The Return On Assets of TFSL (0.47%) is worse than 76.34% of its industry peers.

TFSL has a worse Return On Equity (4.23%) than 79.90% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.47%
ROE	4.23%
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 26.34%. This is in the better half of the industry: TFSL outperforms 66.92% of its industry peers.

In the last couple of years the Profit Margin of TFSL has remained more or less at the same level.

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)	26.34%
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

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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.

Compared to 1 year ago, TFSL has about the same amount of shares outstanding.

Compared to 5 years ago, TFSL has more shares outstanding

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

WACC7.13%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

The Revenue has decreased by -0.60% in the past year.

TFSL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.18% yearly.

EPS 1Y (TTM)3.57%

EPS 3Y-2.35%

EPS 5Y-0.72%

EPS Q2Q%14.29%

Revenue 1Y (TTM)-0.6%

Revenue growth 3Y1.85%

Revenue growth 5Y1.18%

Sales Q2Q%8.26%

3.2 Future

The Earnings Per Share is expected to grow by 9.09% on average over the next years. This is quite good.

TFSL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.22% yearly.

EPS Next Y17.11%

EPS Next 2Y9.09%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year14.88%

Revenue Next 2Y9.22%

Revenue Next 3YN/A

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 44.34 indicates a quite expensive valuation of TFSL.

Based on the Price/Earnings ratio, TFSL is valued more expensive than 87.28% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.25. TFSL is valued rather expensively when compared to this.

A Price/Forward Earnings ratio of 40.02 indicates a quite expensive valuation of TFSL.

Based on the Price/Forward Earnings ratio, TFSL is valued expensively inside the industry as 80.92% of the companies are valued cheaper.

TFSL's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 36.80.

		Industry Rank	Sector Rank
PE	44.34
Fwd PE	40.02

4.2 Price Multiples

TFSL's Price/Free Cash Flow ratio is rather expensive when compared to the industry. TFSL is more expensive than 82.44% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	37.74
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)2.59

PEG (5Y)N/A

EPS Next 2Y9.09%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

TFSL has a Yearly Dividend Yield of 8.96%, which is a nice return.

TFSL's Dividend Yield is rather good when compared to the industry average which is at 3.33. TFSL pays more dividend than 99.49% of the companies in the same industry.

TFSL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	8.96%

5.2 History

The dividend of TFSL has a limited annual growth rate of 3.10%.

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)3.1%

Div Incr Years0

Div Non Decr Years10

5.3 Sustainability

TFSL pays out 73.86% 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.

DP73.86%

EPS Next 2Y9.09%

EPS Next 3YN/A

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TFS FINANCIAL CORP

NASDAQ:TFSL (8/1/2025, 3:38:10 PM)

12.86

-0.25 (-1.91%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-30 2025-07-30/amc

Earnings (Next)10-28 2025-10-28/amc

Inst Owners91.19%

Inst Owner Change0.11%

Ins Owners0.5%

Ins Owner Change-16.03%

Market Cap3.61B

Analysts45.71

Price Target14.79 (15.01%)

Short Float %1.32%

Short Ratio11.49

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.96%

Yearly Dividend0.21

Dividend Growth(5Y)3.1%

DP73.86%

Div Incr Years0

Div Non Decr Years10

Ex-Date06-10 2025-06-10 (0.2825)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)13.84%

Min EPS beat(2)-1.96%

Max EPS beat(2)29.64%

EPS beat(4)2

Avg EPS beat(4)12.07%

Min EPS beat(4)-1.96%

Max EPS beat(4)29.64%

EPS beat(8)6

Avg EPS beat(8)20.36%

EPS beat(12)8

Avg EPS beat(12)12.35%

EPS beat(16)11

Avg EPS beat(16)10.45%

Revenue beat(2)1

Avg Revenue beat(2)-0.18%

Min Revenue beat(2)-2.11%

Max Revenue beat(2)1.75%

Revenue beat(4)2

Avg Revenue beat(4)-1.12%

Min Revenue beat(4)-5.5%

Max Revenue beat(4)1.75%

Revenue beat(8)5

Avg Revenue beat(8)0.02%

Revenue beat(12)7

Avg Revenue beat(12)0.96%

Revenue beat(16)11

Avg Revenue beat(16)3.98%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)16.79%

EPS NY rev (1m)0%

EPS NY rev (3m)5.44%

Revenue NQ rev (1m)5.73%

Revenue NQ rev (3m)15.1%

Revenue NY rev (1m)0%

Revenue NY rev (3m)7.53%

Valuation

		Industry Rank	Sector Rank
PE	44.34
Fwd PE	40.02
P/S	11.86
P/FCF	37.74
P/OCF	34.45
P/B	1.9
P/tB	1.91
EV/EBITDA	N/A

EPS(TTM)0.29

EY2.26%

EPS(NY)0.32

Fwd EY2.5%

FCF(TTM)0.34

FCFY2.65%

OCF(TTM)0.37

OCFY2.9%

SpS1.08

BVpS6.75

TBVpS6.73

PEG (NY)2.59

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.47%
ROE	4.23%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.34%
GM	N/A
FCFM	31.42%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score8

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	43.91%
Cap/Sales	3%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	119.29%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC7.13%

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 2Y9.09%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.6%

Revenue growth 3Y1.85%

Revenue growth 5Y1.18%

Sales Q2Q%8.26%

Revenue Next Year14.88%

Revenue Next 2Y9.22%

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 1Y160.05%

FCF growth 3Y1.46%

FCF growth 5Y-2.92%

OCF growth 1Y153.83%

OCF growth 3Y2.12%

OCF growth 5Y-2.97%

TFS FINANCIAL CORP (TFSL) Stock Fundamental Analysis

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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