TFSL Fundamental Analysis - TFS FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to TFSL. TFSL was compared to 393 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 quite expensive at the moment. It does show a decent growth rate. 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.

In the past 5 years TFSL always reported a positive cash flow from operatings.

1.2 Ratios

With a Return On Assets value of 0.47%, TFSL is not doing good in the industry: 75.32% of the companies in the same industry are doing better.

TFSL has a worse Return On Equity (4.33%) than 78.88% of its industry peers.

		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

The Profit Margin of TFSL (26.28%) is better than 66.92% of its industry peers.

TFSL's Profit Margin has been stable in the last couple of years.

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)	26.28%
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

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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

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

WACC7.04%

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

The Earnings Per Share has been growing slightly by 3.57% over the past year.

The Earnings Per Share has been decreasing by -0.72% on average over the past years.

The Revenue has been growing slightly by 2.52% in the past year.

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 9.09% on average over the next years. This is quite good.

The Revenue is expected to grow by 9.22% on average over the next years. This is quite good.

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 45.69, the valuation of TFSL can be described as expensive.

Compared to the rest of the industry, the Price/Earnings ratio of TFSL indicates a rather expensive valuation: TFSL more expensive than 86.51% of the companies listed in the same industry.

TFSL is valuated expensively when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 41.24 indicates a quite expensive valuation of TFSL.

Based on the Price/Forward Earnings ratio, TFSL is valued expensively inside the industry as 80.66% of the companies are valued cheaper.

TFSL's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 34.91.

		Industry Rank	Sector Rank
PE	45.69
Fwd PE	41.24

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 82.70% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	149.86
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)2.67

PEG (5Y)N/A

EPS Next 2Y9.09%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.57%, TFSL is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.41, TFSL pays a better dividend. On top of this TFSL pays more dividend than 99.49% 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 2.36.

		Industry Rank	Sector Rank
Dividend Yield	8.57%

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 their dividend for at least 10 years, which is a reliable track record.

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.

The dividend of TFSL is growing, but earnings are growing more, so the dividend growth is sustainable.

DP72.67%

EPS Next 2Y9.09%

EPS Next 3YN/A

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TFS FINANCIAL CORP

NASDAQ:TFSL (8/21/2025, 8:00:02 PM)

After market: 13.25 0 (0%)

13.25

+0.03 (+0.23%)

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 Owners91.16%

Inst Owner Change5.6%

Ins Owners0.5%

Ins Owner Change-14.4%

Market Cap3.72B

Analysts43.33

Price Target14.28 (7.77%)

Short Float %1.32%

Short Ratio10.49

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.57%

Yearly Dividend0.21

Dividend Growth(5Y)3.1%

DP72.67%

Div Incr Years0

Div Non Decr Years10

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

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)-3.45%

PT rev (3m)-3.45%

EPS NQ rev (1m)0%

EPS NQ rev (3m)5.96%

EPS NY rev (1m)0%

EPS NY rev (3m)5.44%

Revenue NQ rev (1m)6.04%

Revenue NQ rev (3m)14.18%

Revenue NY rev (1m)5.26%

Revenue NY rev (3m)5.26%

Valuation

		Industry Rank	Sector Rank
PE	45.69
Fwd PE	41.24
P/S	11.95
P/FCF	149.86
P/OCF	106.74
P/B	1.97
P/tB	1.98
EV/EBITDA	N/A

EPS(TTM)0.29

EY2.19%

EPS(NY)0.32

Fwd EY2.42%

FCF(TTM)0.09

FCFY0.67%

OCF(TTM)0.12

OCFY0.94%

SpS1.11

BVpS6.73

TBVpS6.7

PEG (NY)2.67

PEG (5Y)N/A

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

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-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

WACC7.04%

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)2.52%

Revenue growth 3Y1.85%

Revenue growth 5Y1.18%

Sales Q2Q%7.79%

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 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) 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

More info and screens