TFSL TFS Financial margins

Relative Growth: Rel. Growth: 76

Relative Strength: Rel. Strength: 60

Relative Valuation: Rel. Valuation: 17

Relative Profitability: Rel. Profitability: 75

Gross margin

100%

Operating margin

37.3%

EBITDA margin

44.5%

Net margin

29.4%

The TFS Financial shows a gross margin of 100%, an operating margin of 37.3%, an EBITDA margin of 44.5%, and a net margin of 29.4%. EBITDA margin improved by 3.3 percentage points, while other available margins were stable.

TFSL margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, TFS Financial's margins averaged 100% gross, 33.96% operating, 40.69% EBITDA, and 26.98% net. The current figures show operating, EBITDA, and net margins are above their three-year averages.

TFSL margin expansion

Year-over-year margin changes in percentage points

From the same period last year, operating margin expanded by 3.2 percentage points, EBITDA margin by 3.3 percentage points, and net margin by 2.4 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

3.2pp

EBITDA margin expansion

3.3pp

Net margin expansion

2.4pp

TFSL Gross margin

Over the last 3 years, the average gross margin for TFS Financial was 100%. The latest gross margin for TFS Financial is 100%, in line with its three-year average. TFS Financial's gross margin ranged from a low of 100% in Dec 2023 to a high of 100% in Jun 2026.

TFSL Operating margin

The average operating margin for TFS Financial was 33.96% over the last 3 years. As of the latest period, the current operating margin for TFS Financial is 37.3%, 3.3 percentage points above its three-year average. The operating margin for TFS Financial moved between 30.3% in Dec 2023 and 37.3% in Jun 2026.

TFSL EBITDA margin

TFS Financial's EBITDA margin averaged 40.69% in the last 3 years. The current EBITDA margin of 44.5% is 3.8 percentage points above its three-year average. Over the last 3 years, TFS Financial's EBITDA margin peaked at 44.5% in Jun 2026 and reached a low of 36.4% in Dec 2023.

TFSL Net margin

TFS Financial recorded an average net margin of 26.98% across the last 3 years. Currently, the current net margin for TFS Financial is 29.4%, 2.4 percentage points above its three-year average. The net margin for TFS Financial moved between 24.5% in Dec 2023 and 29.4% in Jun 2026.

TFSL margin group comparison

Margins compared with peer-group, industry and sector averages

TFS Financial's gross margin of 100% is above the Financial Services sector and the industry average. In comparison with its Financial Services sector average of 83.4%, TFS Financial's gross margin is 20% higher.

TFSL margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is TFS Financial's gross margin?

As of Jun 30, 2026, TFSL has a gross margin of 100%.

What is TFS Financial's operating margin?

As of Jun 30, 2026, TFSL has an operating margin of 37.3%.

What is TFS Financial's EBITDA margin?

The current EBITDA margin for TFSL is 44.5% as of Jun 30, 2026.

What is TFS Financial's net margin?

As of Jun 30, 2026, TFSL has a net margin of 29.4%.

What are the average margins of TFSL?

Over the past 3 years, TFSL reported average margins of 100.0% gross, 34.0% operating, 40.7% EBITDA, and 27.0% net.

What are the highest historical margins of TFSL?

Across the 5-year period, TFSL posted its highest margins at 100% gross in Jun 2026, 37.3% operating in Jun 2026, 44.5% EBITDA in Jun 2026, and 29.4% net in Jun 2026.

What are the lowest historical margins of TFSL?

Looking back across 5 years, TFSL reached its lowest margins at 100% gross in Dec 2021, 29.3% operating in Mar 2022, 36.4% EBITDA in Sep 2023, and 23.8% net in Mar 2022.