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TFSL TFS Financial CORP

Price (delayed)

$12.6

Market cap

$3.54B

P/E Ratio

45

Dividend/share

$1.13

EPS

$0.28

Enterprise value

$7.89B

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 55.0 and 6% lower than the last 4 quarters average of 48.0
TFS Financial's debt has decreased by 11% YoY and by 3.3% QoQ
TFSL's EPS is up by 3.7% since the previous quarter but it is down by 3.4% year-on-year

Key stats

What are the main financial stats of TFSL
Market
Shares outstanding
280.71M
Market cap
$3.54B
Enterprise value
$7.89B
Valuations
Price to book (P/B)
1.85
Price to sales (P/S)
11.48
EV/EBIT
78.31
EV/EBITDA
66
EV/Sales
25.83
Earnings
Revenue
$305.49M
EBIT
$100.74M
EBITDA
$119.54M
Free cash flow
$157.7M
Per share
EPS
$0.28
Free cash flow per share
$0.57
Book value per share
$6.82
Revenue per share
$1.1
TBVPS
$61.21
Balance sheet
Total assets
$17.03B
Total liabilities
$15.12B
Debt
$4.91B
Equity
$1.92B
Working capital
N/A
Liquidity
Debt to equity
2.57
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
36.41
Margins
EBITDA margin
39.1%
Gross margin
100%
Net margin
26.5%
Operating margin
33%
Efficiency
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
33%
Dividend
Dividend yield
8.97%
DPS
$1.13
Payout ratio
403.6%

TFSL stock price

How has the TFS Financial stock price performed over time
Intraday
0.72%
1 week
0.32%
1 month
-3.3%
1 year
7.51%
YTD
-14.23%
QTD
-2.02%

Financial performance

How have TFS Financial's revenue and profit performed over time
Revenue
$305.49M
Gross profit
$305.49M
Operating income
$100.74M
Net income
$80.92M
Gross margin
100%
Net margin
26.5%
TFS Financial's operating income has increased by 3.6% QoQ
TFS Financial's net margin has increased by 2.7% QoQ
TFS Financial's net income has increased by 3% QoQ
TFSL's operating margin is up by 3.1% since the previous quarter

Growth

What is TFS Financial's growth rate over time

Valuation

What is TFS Financial stock price valuation
P/E
45
P/B
1.85
P/S
11.48
EV/EBIT
78.31
EV/EBITDA
66
EV/Sales
25.83
The P/E is 18% lower than the 5-year quarterly average of 55.0 and 6% lower than the last 4 quarters average of 48.0
TFSL's EPS is up by 3.7% since the previous quarter but it is down by 3.4% year-on-year
The P/B is 26% less than the 5-year quarterly average of 2.5 and 2.6% less than the last 4 quarters average of 1.9
TFSL's price to sales (P/S) is 21% lower than its 5-year quarterly average of 14.5 and 2.7% lower than its last 4 quarters average of 11.8

Efficiency

How efficient is TFS Financial business performance
TFSL's ROIC is up by 25% QoQ
TFSL's return on equity is down by 4.5% year-on-year but it is up by 2.4% since the previous quarter
TFSL's ROS is up by 3.1% since the previous quarter

Dividends

What is TFSL's dividend history
DPS
$1.13
Dividend yield
8.97%
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
TFSL's total assets is up by 2.7% year-on-year
TFSL's total liabilities is up by 2.8% year-on-year
TFS Financial's debt is 157% higher than its equity
The company's debt to equity fell by 13% YoY and by 3.4% QoQ
TFS Financial's debt has decreased by 11% YoY and by 3.3% QoQ

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