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TFSL TFS Financial CORP

Price (delayed)

$13.44

Market cap

$3.77B

P/E Ratio

48

Dividend/share

$1.13

EPS

$0.28

Enterprise value

$8.03B

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
TFS Financial's debt has decreased by 7% YoY and by 2.5% QoQ
TFSL's EPS is up by 3.7% year-on-year
The P/E is 10% lower than the 5-year quarterly average of 53.1 but 7% higher than the last 4 quarters average of 45.0

Key stats

What are the main financial stats of TFSL
Market
Shares outstanding
280.84M
Market cap
$3.77B
Enterprise value
$8.03B
Valuations
Price to earnings (P/E)
48
Price to book (P/B)
1.99
Price to sales (P/S)
12.32
EV/EBIT
77.77
EV/EBITDA
64.72
EV/Sales
26.39
Earnings
Revenue
$304.1M
Gross profit
$304.1M
Operating income
$103.2M
Net income
$81.62M
EBIT
$103.2M
EBITDA
$124M
Free cash flow
$95.7M
Per share
EPS
$0.28
EPS diluted
$0.28
Free cash flow per share
$0.34
Book value per share
$6.75
Revenue per share
$1.09
TBVPS
$61.39
Balance sheet
Total assets
$17.11B
Total liabilities
$15.22B
Debt
$4.71B
Equity
$1.9B
Working capital
N/A
Liquidity
Debt to equity
2.49
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
34.28
Margins
EBITDA margin
40.8%
Gross margin
100%
Net margin
26.8%
Operating margin
33.9%
Efficiency
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
33.9%
Dividend
Dividend yield
8.41%
DPS
$1.13
Payout ratio
403.6%

TFSL stock price

How has the TFS Financial stock price performed over time
Intraday
0.07%
1 week
-0.59%
1 month
9.89%
1 year
0.22%
YTD
7.01%
QTD
8.47%

Financial performance

How have TFS Financial's revenue and profit performed over time
Revenue
$304.1M
Gross profit
$304.1M
Operating income
$103.2M
Net income
$81.62M
Gross margin
100%
Net margin
26.8%
TFSL financials
TFSL's operating margin is up by 6% year-on-year
TFS Financial's operating income has increased by 6% YoY
TFS Financial's net margin has increased by 3.9% YoY
TFS Financial's net income has increased by 3.9% YoY

Price vs fundamentals

How does TFSL's price correlate with its fundamentals
Price vs fundamentals
Earnings waterfall
Price vs fair value

Growth

What is TFS Financial's growth rate over time
TFSL growth chart

Valuation

What is TFS Financial stock price valuation
P/E
48
P/B
1.99
P/S
12.32
EV/EBIT
77.77
EV/EBITDA
64.72
EV/Sales
26.39
Valuation vs average
Price to earnings (P/E)
The P/E is 10% lower than the 5-year quarterly average of 53.1 but 7% higher than the last 4 quarters average of 45.0
TFSL's EPS is up by 3.7% year-on-year
Price to book (P/B)
The P/B is 13% less than the 5-year quarterly average of 2.3 but 4.7% more than the last 4 quarters average of 1.9
Price to sales (P/S)
TFSL's price to sales (P/S) is 11% lower than its 5-year quarterly average of 13.8 but 7% higher than its last 4 quarters average of 11.5

Efficiency

How efficient is TFS Financial business performance
TFSL's ROIC is up by 25% YoY
TFSL's ROS is up by 6% year-on-year
TFSL's return on equity is up by 4.9% year-on-year

Dividends

What is TFSL's dividend history
DPS
$1.13
Dividend yield
8.41%
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
Assets vs liabilities
TFSL's total assets is 12% greater than its total liabilities
Debt vs equity
TFS Financial's debt is 149% higher than its equity
TFS Financial's debt has decreased by 7% YoY and by 2.5% QoQ
The company's debt to equity fell by 6% YoY
Balance sheet

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