TFSL TFS Financial CORP

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

Price (delayed)

$13.96

Market cap

$3.92B

P/E Ratio

58.17

Dividend/share

$1.13

EPS

$0.24

Enterprise value

$7.23B

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 equity has increased by 5% YoY and by 2.4% QoQ
The P/E is 15% lower than the last 4 quarters average of 69.0 but 3.3% higher than the 5-year quarterly average of 56.9
TFS Financial's net income has decreased by 27% YoY and by 10% QoQ
TFSL's EPS is down by 25% year-on-year and by 8% since the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.thirdfederal.com
Peers: FBC CZWI CFBK

Key stats

What are the main financial stats of TFSL
Market
Shares outstanding
280.8M
Market cap
$3.92B
Enterprise value
$7.23B
Valuations
Price to earnings (P/E)
58.17
Price to book (P/B)
2.18
Price to sales (P/S)
14.19
EV/EBIT
90.42
EV/EBITDA
68
EV/Sales
26.5
Earnings
Revenue
$272.94M
EBIT
$79.99M
EBITDA
$106.36M
Free cash flow
$78.84M
Per share
EPS
$0.24
Free cash flow per share
$0.28
Book value per share
$6.39
Revenue per share
$0.98
TBVPS
$52.56
Balance sheet
Total assets
$14.58B
Total liabilities
$12.79B
Debt
$3.68B
Equity
$1.8B
Working capital
N/A
Liquidity
Debt to equity
2.05
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
31.15
Margins
EBITDA margin
39%
Gross margin
100%
Net margin
23.8%
Operating margin
29.3%
Efficiency
Return on assets
0.5%
Return on equity
3.7%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
29.3%
Dividend
Dividend yield
8.11%
DPS
$1.13
Payout ratio
471.7%

TFSL stock price

How has the TFS Financial stock price performed over time
Intraday
-1.06%
1 week
1.75%
1 month
-6.62%
1 year
-31.16%
YTD
-21.88%
QTD
-15.9%

Financial performance

How have TFS Financial's revenue and profit performed over time
Revenue
$272.94M
Gross profit
$272.94M
Operating income
$79.99M
Net income
$64.98M
Gross margin
100%
Net margin
23.8%
TFS Financial's operating income has decreased by 27% YoY and by 11% QoQ
TFS Financial's net income has decreased by 27% YoY and by 10% QoQ
TFSL's operating margin is down by 18% year-on-year and by 8% since the previous quarter
TFS Financial's net margin has decreased by 18% YoY and by 7% QoQ

Growth

What is TFS Financial's growth rate over time

Valuation

What is TFS Financial stock price valuation
P/E
58.17
P/B
2.18
P/S
14.19
EV/EBIT
90.42
EV/EBITDA
68
EV/Sales
26.5
TFSL's EPS is down by 25% year-on-year and by 8% since the previous quarter
The P/E is 15% lower than the last 4 quarters average of 69.0 but 3.3% higher than the 5-year quarterly average of 56.9
The P/B is 26% less than the last 4 quarters average of 3.0 and 21% less than the 5-year quarterly average of 2.8
The equity has increased by 5% YoY and by 2.4% QoQ
TFSL's price to sales (P/S) is 19% lower than its last 4 quarters average of 17.8 and 7% lower than its 5-year quarterly average of 15.4
The revenue is down by 11% YoY and by 3.1% QoQ

Efficiency

How efficient is TFS Financial business performance
TFSL's return on equity is down by 30% year-on-year and by 12% since the previous quarter
TFSL's ROS is down by 18% year-on-year and by 8% since the previous quarter
The ROA is down by 17% year-on-year
TFSL's ROIC is down by 17% YoY

Dividends

What is TFSL's dividend history
Dividend details
DPS
$1.13
Dividend yield
8.11%
Payout ratio
471.7%
Recent dividends

Financial health

How did TFS Financial financials performed over time
TFSL's total assets is 14% greater than its total liabilities
TFSL's total assets is up by 3.2% since the previous quarter
TFSL's total liabilities is up by 3.3% since the previous quarter
TFS Financial's debt is 105% higher than its equity
TFS Financial's debt has increased by 10% QoQ and by 7% YoY
The company's debt to equity rose by 7% QoQ

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