TFSL TFS Financial CORP
Price (delayed)
$12.68
Market cap
$3.56B
P/E Ratio
45.29
Dividend/share
$1.13
EPS
$0.28
Enterprise value
$7.93B
TFS Financial Corporation , a federally chartered stock holding company, conducts its principal activities through its wholly owned subsidiaries and had total consolidated assets of $14.6 billion at September 30,
Highlights
The P/E is 18% lower than the 5-year quarterly average of 53.5 and 3.6% lower than the last 4 quarters average of 45.6
TFS Financial's net income has increased by 10% YoY and by 2.2% QoQ
Key stats
What are the main financial stats of TFSL
Market
Valuations
Earnings
Shares outstanding
280.8M
Market cap
$3.56B
Enterprise value
$7.93B
Price to earnings (P/E)
45.29
Price to book (P/B)
1.86
Price to sales (P/S)
11.6
EV/EBIT
77.31
EV/EBITDA
64.82
EV/Sales
26.04
Revenue
$304.58M
Gross profit
$304.58M
Operating income
$102.57M
Net income
$81.31M
EBIT
$102.57M
EBITDA
$122.34M
Free cash flow
$94.82M
Per share
Balance sheet
Liquidity
EPS
$0.28
EPS diluted
$0.28
Free cash flow per share
$0.34
Book value per share
$6.82
Revenue per share
$1.09
TBVPS
$61.24
Total assets
$17.06B
Total liabilities
$15.14B
Debt
$4.84B
Equity
$1.91B
Working capital
N/A
Debt to equity
2.53
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
35.72
Margins
Efficiency
Dividend
EBITDA margin
40.2%
Gross margin
100%
Net margin
26.7%
Operating margin
33.7%
Return on assets
0.5%
Return on equity
4.3%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
33.7%
Dividend yield
8.91%
DPS
$1.13
Payout ratio
403.6%
TFSL stock price
How has the TFS Financial stock price performed over time
Intraday
3.01%
1 week
5.05%
1 month
4.53%
1 year
4.62%
YTD
0.96%
QTD
2.34%
Financial performance
How have TFS Financial's revenue and profit performed over time
Revenue
$304.58M
Gross profit
$304.58M
Operating income
$102.57M
Net income
$81.31M
Gross margin
100%
Net margin
26.7%
TFS Financial's operating income has increased by 12% YoY and by 2.3% QoQ
TFSL's operating margin is up by 11% year-on-year and by 2.4% since the previous quarter
TFS Financial's net income has increased by 10% YoY and by 2.2% QoQ
TFS Financial's net margin has increased by 9% YoY and by 2.3% QoQ
Growth
What is TFS Financial's growth rate over time
Valuation
What is TFS Financial stock price valuation
P/E
45.29
P/B
1.86
P/S
11.6
EV/EBIT
77.31
EV/EBITDA
64.82
EV/Sales
26.04
The P/E is 18% lower than the 5-year quarterly average of 53.5 and 3.6% lower than the last 4 quarters average of 45.6
TFSL's EPS is up by 8% year-on-year
The P/B is 21% less than the 5-year quarterly average of 2.3 and 4.7% less than the last 4 quarters average of 1.9
The equity has increased by 2.8% QoQ and by 2.5% YoY
TFSL's price to sales (P/S) is 20% lower than its 5-year quarterly average of 14.0 and 2.9% lower than its last 4 quarters average of 11.6
Efficiency
How efficient is TFS Financial business performance
TFSL's ROIC is up by 25% YoY
The ROA is up by 25% year-on-year
TFSL's ROS is up by 11% year-on-year and by 2.4% since the previous quarter
TFSL's return on equity is up by 10% year-on-year and by 2.4% since the previous quarter
Dividends
What is TFSL's dividend history
DPS
$1.13
Dividend yield
8.91%
Payout ratio
403.6%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did TFS Financial financials performed over time
TFSL's total assets is 13% greater than its total liabilities
TFS Financial's debt is 153% higher than its equity
The company's debt to equity fell by 9% YoY and by 4.5% QoQ
TFS Financial's debt has decreased by 6% YoY and by 2% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.