TFSL TFS Financial CORP

  1. Stocks
  2. Financial Services
  3. NASDAQ: TFSL

Price (delayed)

$12.11

Market cap

$3.4B

P/E Ratio

46.58

Dividend/share

$1.13

EPS

$0.26

Enterprise value

$8.02B

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 56.8
TFS Financial's debt has decreased by 4.8% QoQ
TFSL's EPS is down by 10% year-on-year and by 3.7% since the previous quarter
TFS Financial's net income has decreased by 9% YoY
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.thirdfederal.com
Peers: CFBK CZWI

Key stats

What are the main financial stats of TFSL
Market
Shares outstanding
280.71M
Market cap
$3.4B
Enterprise value
$8.02B
Valuations
Price to earnings (P/E)
46.58
Price to book (P/B)
1.82
Price to sales (P/S)
11.16
EV/EBIT
87.73
EV/EBITDA
72.97
EV/Sales
26.58
Earnings
Revenue
$301.59M
EBIT
$91.38M
EBITDA
$109.86M
Free cash flow
$44.4M
Per share
EPS
$0.26
Free cash flow per share
$0.16
Book value per share
$6.66
Revenue per share
$1.09
TBVPS
$61.38
Balance sheet
Total assets
$17.05B
Total liabilities
$15.19B
Debt
$5.17B
Equity
$1.87B
Working capital
N/A
Liquidity
Debt to equity
2.77
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
42.03
Margins
EBITDA margin
36.4%
Gross margin
100%
Net margin
24.5%
Operating margin
30.3%
Efficiency
Return on assets
0.4%
Return on equity
3.9%
Return on invested capital
0.4%
Return on capital employed
N/A
Return on sales
30.3%
Dividend
Dividend yield
9.33%
DPS
$1.13
Payout ratio
434.6%

TFSL stock price

How has the TFS Financial stock price performed over time
Intraday
2.28%
1 week
1%
1 month
-0.08%
1 year
-4.5%
YTD
-17.56%
QTD
-3.58%

Financial performance

How have TFS Financial's revenue and profit performed over time
Revenue
$301.59M
Gross profit
$301.59M
Operating income
$91.38M
Net income
$73.76M
Gross margin
100%
Net margin
24.5%
TFS Financial's net income has decreased by 9% YoY
TFS Financial's net margin has decreased by 8% YoY
TFS Financial's operating income has decreased by 8% YoY and by 2.1% QoQ
TFSL's operating margin is down by 8% year-on-year

Growth

What is TFS Financial's growth rate over time

Valuation

What is TFS Financial stock price valuation
TFSL P/E details
P/E
46.58
P/B
1.82
P/S
11.16
EV/EBIT
87.73
EV/EBITDA
72.97
EV/Sales
26.58
The P/E is 18% lower than the 5-year quarterly average of 56.8
TFSL's EPS is down by 10% year-on-year and by 3.7% since the previous quarter
The P/B is 30% less than the 5-year quarterly average of 2.6 and 4.2% less than the last 4 quarters average of 1.9
The equity has decreased by 3.1% QoQ
TFSL's price to sales (P/S) is 26% lower than its 5-year quarterly average of 15.0 and 4.6% lower than its last 4 quarters average of 11.7

Efficiency

How efficient is TFS Financial business performance
The ROA is down by 20% since the previous quarter and by 20% year-on-year
TFSL's ROIC is down by 20% YoY
TFSL's return on equity is down by 11% year-on-year and by 2.5% since the previous quarter
TFSL's ROS is down by 8% year-on-year

Dividends

What is TFSL's dividend history
Dividend details
DPS
$1.13
Dividend yield
9.33%
Payout ratio
434.6%
Recent dividends

Financial health

How did TFS Financial financials performed over time
TFSL's total assets is 12% greater than its total liabilities
TFSL's total assets is up by 6% year-on-year
TFSL's total liabilities is up by 6% year-on-year
TFS Financial's debt is 177% higher than its equity
TFS Financial's debt has decreased by 4.8% QoQ
The equity has decreased by 3.1% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.