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Price (delayed)
$12.74
Market cap
$3.58B
P/E Ratio
45.5
Dividend/share
$1.13
EPS
$0.28
Enterprise value
$8.05B
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 17% lower than the 5-year quarterly average of 54.5 and 6% lower than the last 4 quarters average of 48.5
TFS Financial's debt has decreased by 9% YoY
The equity has decreased by 3.4% YoY and by 2.7% QoQ
Key stats
What are the main financial stats of TFSL
Market
Valuations
Earnings
Shares outstanding
280.71M
Market cap
$3.58B
Enterprise value
$8.05B
Price to book (P/B)
1.92
Price to sales (P/S)
11.63
EV/EBIT
80.23
EV/EBITDA
67.43
EV/Sales
26.42
Revenue
$304.66M
Gross profit
$304.66M
Net income
$79.59M
EBIT
$100.31M
EBITDA
$119.35M
Free cash flow
$85.54M
Per share
Balance sheet
Liquidity
EPS
$0.28
EPS diluted
$0.28
Free cash flow per share
$0.31
Book value per share
$6.64
Revenue per share
$1.1
TBVPS
$61.44
Total assets
$17.09B
Total liabilities
$15.23B
Debt
$4.94B
Equity
$1.86B
Working capital
N/A
Debt to equity
2.65
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
37.47
Margins
Efficiency
Dividend
EBITDA margin
39.2%
Gross margin
100%
Net margin
26.1%
Operating margin
32.9%
Return on assets
0.5%
Return on equity
4.2%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
32.9%
Dividend yield
8.87%
DPS
$1.13
Payout ratio
403.6%
TFSL stock price
How has the TFS Financial stock price performed over time
Intraday
1.27%
1 week
-4.07%
1 month
-9.58%
1 year
-13.74%
YTD
-13.27%
QTD
-0.93%
Financial performance
How have TFS Financial's revenue and profit performed over time
Revenue
$304.66M
Gross profit
$304.66M
Operating income
$100.31M
Net income
$79.59M
Gross margin
100%
Net margin
26.1%
TFSL's operating margin is up by 8% year-on-year
TFS Financial's operating income has increased by 7% YoY
TFS Financial's net income has increased by 6% YoY
TFS Financial's net margin has increased by 6% YoY
Growth
What is TFS Financial's growth rate over time
Valuation
What is TFS Financial stock price valuation
P/E
45.5
P/B
1.92
P/S
11.63
EV/EBIT
80.23
EV/EBITDA
67.43
EV/Sales
26.42
The P/E is 17% lower than the 5-year quarterly average of 54.5 and 6% lower than the last 4 quarters average of 48.5
TFSL's EPS is up by 3.7% year-on-year
The P/B is 20% less than the 5-year quarterly average of 2.4 and 4% less than the last 4 quarters average of 2.0
The equity has decreased by 3.4% YoY and by 2.7% QoQ
TFSL's price to sales (P/S) is 19% lower than its 5-year quarterly average of 14.3 and 3.9% lower than its last 4 quarters average of 12.1
Efficiency
How efficient is TFS Financial business performance
TFSL's ROIC is up by 25% YoY
TFSL's ROS is up by 8% year-on-year
TFSL's return on equity is up by 5% year-on-year
Dividends
What is TFSL's dividend history
DPS
$1.13
Dividend yield
8.87%
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 12% greater than its total liabilities
TFS Financial's debt is 165% higher than its equity
TFS Financial's debt has decreased by 9% YoY
The company's debt to equity fell by 6% YoY but it rose by 3.1% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.