TFS Financial (TFSL) Financials

$13.26 +0.01 (+0.08%)

Closing price 05/30/2025 04:00 PM Eastern

Extended Trading

$13.21 -0.05 (-0.38%)

As of 05/30/2025 07:35 PM Eastern

Annual Income Statements for TFS Financial

This table shows TFS Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	9/30/2024	9/30/2023	9/30/2022	9/30/2021	9/30/2020	9/30/2019	9/30/2018	9/30/2017	9/30/2016	9/30/2015
Net Income / (Loss) Attributable to Common Shareholders	80	75	75	81	83	67	85	89	81	73
Consolidated Net Income / (Loss)	80	75	75	81	83	80	85	89	81	73
Net Income / (Loss) Continuing Operations	80	75	75	81	83	67	85	89	81	73
Total Pre-Tax Income	100	93	92	100	100	102	121	133	122	109
Total Revenue	303	305	291	287	296	273	302	299	295	294
Net Interest Income / (Expense)	278	284	267	232	242	265	281	279	270	270
Total Interest Income	734	612	409	389	455	482	443	409	388	383
Loans and Leases Interest Income	664	566	396	382	441	459	423	394	376	369
Investment Securities Interest Income	18	14	5.50	3.82	9.71	-	11	9.04	9.39	9.57
Other Interest Income	52	32	8.14	3.64	4.89	10	8.96	5.51	3.43	4.60
Total Interest Expense	456	328	142	158	213	217	162	130	118	113
Deposits Interest Expense	293	174	77	97	140	143	102	87	90	94
Long-Term Debt Interest Expense	163	154	65	60	73	73	60	43	28	20
Total Non-Interest Income	25	21	24	55	53	20	22	20	25	24
Other Service Charges	12	12	13	12	18	4.58	12	4.32	11	12
Net Realized & Unrealized Capital Gains on Investments	2.75	0.50	1.14	33	28	1.87	3.38	2.18	6.16	4.52
Other Non-Interest Income	10.00	9.36	9.98	9.96	7.15	14	6.16	13	7.41	7.32
Provision for Credit Losses	-1.50	-1.50	1.00	-9.00	3.00	-10	-11	-17	-8.00	-3.00
Total Non-Interest Expense	204	213	198	196	192	194	192	182	181	188
Salaries and Employee Benefits	108	113	109	109	104	104	101	95	96	96
Net Occupancy & Equipment Expense	28	28	27	26	25	26	27	25	24	22
Marketing Expense	20	25	21	19	17	19	19	20	17	20
Property & Liability Insurance Claims	15	13	9.36	9.09	11	10	11	10	10	11
Other Operating Expenses	34	34	31	33	36	33	34	33	34	39
Income Tax Expense	21	18	17	19	17	22	36	44	42	37
Basic Earnings per Share	$0.28	$0.27	$0.26	$0.29	$0.30	$0.29	$0.31	$0.32	$0.28	$0.25
Weighted Average Basic Shares Outstanding	278.18M	277.44M	277.37M	276.69M	275.86M	275.40M	275.59M	277.21M	281.57M	289.94M
Diluted Earnings per Share	$0.28	$0.26	$0.26	$0.29	$0.29	$0.28	$0.30	$0.32	$0.28	$0.25
Weighted Average Diluted Shares Outstanding	279.14M	278.58M	278.69M	278.58M	277.80M	277.37M	277.30M	279.27M	283.79M	292.21M
Weighted Average Basic & Diluted Shares Outstanding	280.71M	280.36M	560.82M	561.53M	560.49M	280.03M	275.50M	277.70M	287.70M	290.40M
Cash Dividends to Common per Share	$1.13	$1.13	$1.13	$1.12	$1.11	$1.02	$0.76	$0.55	$0.43	$0.31

This table shows TFS Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	21	22	18	20	21	21	20	18	16	22	25
Consolidated Net Income / (Loss)	21	22	18	20	21	21	20	18	16	22	25
Net Income / (Loss) Continuing Operations	21	22	18	20	21	21	20	18	16	22	25
Total Pre-Tax Income	27	28	23	25	26	26	23	22	20	28	31
Total Revenue	79	75	75	76	77	75	75	75	75	80	80
Net Interest Income / (Expense)	72	68	69	69	71	69	70	69	69	75	76
Total Interest Income	186	187	189	185	183	177	169	157	148	139	121
Loans and Leases Interest Income	172	172	172	166	163	162	155	144	137	130	115
Investment Securities Interest Income	4.76	4.46	4.69	4.66	4.48	4.40	4.14	3.71	3.46	3.06	1.90
Other Interest Income	9.69	10	11	14	16	11	9.84	8.60	7.26	6.24	4.24
Total Interest Expense	114	118	120	116	112	108	98	88	78	64	46
Deposits Interest Expense	75	78	80	76	73	64	56	49	40	30	24
Long-Term Debt Interest Expense	39	40	40	40	39	44	43	39	38	34	22
Total Non-Interest Income	7.07	6.50	6.42	6.25	5.72	6.32	5.10	5.84	5.33	5.16	4.38
Other Service Charges	3.20	2.71	2.96	3.27	3.09	2.64	3.02	3.03	2.63	2.90	2.73
Net Realized & Unrealized Capital Gains on Investments	1.19	1.12	1.10	0.72	0.44	0.48	-0.12	0.02	0.58	0.02	-1.11
Other Non-Interest Income	2.68	2.68	2.36	2.25	2.19	3.19	2.20	2.79	2.12	2.24	2.76
Provision for Credit Losses	1.50	-1.50	1.00	-0.50	-1.00	-1.00	0.50	0.00	-1.00	-1.00	-
Total Non-Interest Expense	51	48	51	51	52	50	51	53	56	53	49
Salaries and Employee Benefits	28	27	26	27	28	27	29	25	30	28	27
Net Occupancy & Equipment Expense	7.62	6.84	7.16	7.01	7.30	6.85	6.89	7.25	6.80	6.80	6.56
Marketing Expense	4.63	3.65	5.33	4.87	5.10	4.43	3.88	7.02	6.67	7.71	4.26
Property & Liability Insurance Claims	3.67	3.59	3.52	3.26	4.01	3.78	3.63	3.57	3.49	2.76	2.72
Other Operating Expenses	7.50	7.25	8.75	8.81	8.28	8.11	8.43	9.70	8.22	7.52	8.00
Income Tax Expense	5.51	5.96	4.84	5.28	5.19	5.42	3.93	4.14	4.12	5.93	5.72
Basic Earnings per Share	$0.07	$0.08	$0.07	$0.07	$0.07	$0.07	$0.07	$0.06	$0.06	$0.08	$0.08
Weighted Average Basic Shares Outstanding	278.73M	278.54M	278.18M	278.29M	278.18M	277.84M	277.44M	277.47M	277.36M	277.32M	277.37M
Diluted Earnings per Share	$0.07	$0.08	$0.07	$0.07	$0.07	$0.07	$0.06	$0.06	$0.06	$0.08	$0.08
Weighted Average Diluted Shares Outstanding	279.72M	279.58M	279.14M	279.22M	279.05M	279.00M	278.58M	278.59M	278.50M	278.46M	278.69M
Weighted Average Basic & Diluted Shares Outstanding	280.84M	280.80M	280.71M	280.71M	280.71M	280.71M	280.36M	280.33M	280.33M	280.33M	560.82M
Cash Dividends to Common per Share	$0.28	$0.28	-	$0.28	$0.28	$0.28	-	$0.28	$0.28	$0.28	-

This table details how cash moves in and out of TFS Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	9/30/2024	9/30/2023	9/30/2022	9/30/2021	9/30/2020	9/30/2019	9/30/2018	9/30/2017	9/30/2016	9/30/2015
Net Change in Cash & Equivalents	-3.03	97	-119	-9.71	223	5.37	1.56	37	76	-26
Net Cash From Operating Activities	89	91	39	83	122	103	92	101	85	102
Net Cash From Continuing Operating Activities	89	91	39	83	122	103	92	101	85	102
Net Income / (Loss) Continuing Operations	80	75	75	81	83	80	85	89	81	73
Consolidated Net Income / (Loss)	80	75	75	81	83	80	85	89	81	73
Provision For Loan Losses	-1.50	-1.50	1.00	-9.00	3.00	-10	-11	-17	-8.00	-3.00
Depreciation Expense	19	18	27	33	33	23	25	21	19	17
Non-Cash Adjustments to Reconcile Net Income	-17	1.72	-49	-108	-67	-25	-23	-18	-6.08	-12
Changes in Operating Assets and Liabilities, net	8.86	-2.87	-14	87	69	35	16	26	-0.93	27
Net Cash From Investing Activities	-125	-1,009	-1,875	547	148	-342	-475	-755	-454	-600
Net Cash From Continuing Investing Activities	-125	-1,009	-1,875	547	148	-342	-475	-755	-454	-600
Purchase of Property, Leasehold Improvements and Equipment	-3.06	-5.10	-2.70	-1.34	-3.21	-3.78	-8.37	-4.15	-9.13	-5.52
Purchase of Investment Securities	-3,156	-3,726	-5,572	-393	-206	-3,037	-3,494	-3,627	-3,120	-2,960
Sale of Property, Leasehold Improvements and Equipment	0.00	0.00	0.39	0.00	24	0.00	0.00	-	-	-
Sale and/or Maturity of Investments	3,034	2,723	3,699	5,817	4,589	2,856	519	2,876	2,675	2,366
Net Cash From Financing Activities	33	1,015	1,717	-640	-46	244	384	691	445	472
Net Cash From Continuing Financing Activities	33	1,015	1,717	-640	-46	244	384	691	445	472
Net Change in Deposits	731	520	-84	-232	459	275	340	-180	46	-368
Issuance of Debt	-52	767	600	-425	-31	603	332	1,161	737	1,045
Repayment of Debt	-427	-78	871	-9.11	-337	-421	-286	-222	-186	-20
Repurchase of Common Equity	-1.93	-5.98	-6.29	-5.59	-2.32	-9.09	-20	-54	-128	-173
Payment of Dividends	-59	-58	-58	-57	-55	-50	-38	-28	-23	-19
Other Financing Activities, Net	-158	-130	395	88	-80	-154	56	13	1.52	7.50
Cash Interest Paid	533	364	114	115	213	225	162	124	90	93
Cash Income Taxes Paid	16	22	40	26	1.67	9.69	33	38	32	23

This table details how cash moves in and out of TFS Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	-2.35	2.21	-97	-34	43	85	31	15	-22	74	-18
Net Cash From Operating Activities	21	46	-59	97	14	36	14	34	-36	79	-12
Net Cash From Continuing Operating Activities	21	46	-59	97	14	36	14	34	-36	79	-12
Net Income / (Loss) Continuing Operations	21	22	18	20	21	21	20	18	16	22	25
Consolidated Net Income / (Loss)	21	22	18	20	21	21	20	18	16	22	25
Provision For Loan Losses	1.50	-1.50	1.00	-0.50	-1.00	-1.00	0.50	-	-1.00	-1.00	-
Depreciation Expense	5.55	5.31	4.96	4.98	4.52	4.58	4.73	4.65	4.53	4.21	6.23
Non-Cash Adjustments to Reconcile Net Income	-2.86	11	5.39	-16	-7.85	1.11	0.78	3.82	0.07	-2.95	-56
Changes in Operating Assets and Liabilities, net	-3.99	8.40	-88	88	-2.17	11	-12	7.70	-55	56	12
Net Cash From Investing Activities	-44	-2.73	-112	-43	72	-42	-285	-377	-98	-249	-395
Net Cash From Continuing Investing Activities	-44	-2.73	-112	-43	72	-42	-285	-377	-98	-249	-395
Purchase of Property, Leasehold Improvements and Equipment	-6.95	-0.64	-0.72	-0.83	-0.81	-0.70	-1.05	-1.59	-0.50	-1.96	-1.20
Purchase of Investment Securities	-44	-86	-3,000	-24	-16	-115	-3,567	-75	-34	-50	-5,349
Sale and/or Maturity of Investments	828	883	776	744	670	844	769	662	630	661	830
Other Investing Activities, net	-821	-799	-	-762	-581	-770	-	-963	-694	-858	-
Net Cash From Financing Activities	20	-41	74	-88	-44	91	301	358	111	244	389
Net Cash From Continuing Financing Activities	20	-41	74	-88	-44	91	301	358	111	244	389
Net Change in Deposits	180	25	180	80	8.27	463	388	56	-15	91	-226
Issuance of Debt	33	41	115	-100	75	-142	-101	243	360	265	-555
Repayment of Debt	-100	-176	-151	-25	-151	-101	-76	-0.49	-0.60	-1.14	874
Payment of Dividends	-15	-15	-15	-15	-15	-15	-15	-15	-15	-15	-14
Other Financing Activities, Net	-78	85	-55	-28	38	-113	105	74	-218	-91	311
Cash Interest Paid	128	137	141	137	132	123	118	102	80	64	43
Cash Income Taxes Paid	7.03	0.11	1.96	3.09	10	0.22	4.33	5.13	12	0.43	14

This table presents TFS Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	9/30/2024	9/30/2023	9/30/2022	9/30/2021	9/30/2020	9/30/2019	9/30/2018	9/30/2017	9/30/2016	9/30/2015
Total Assets	17,091	16,918	15,790	14,057	14,642	14,542	14,137	13,693	12,906	12,369
Cash and Due from Banks	26	29	19	27	25	32	29	35	28	22
Interest Bearing Deposits at Other Banks	437	438	351	461	473	243	241	233	203	133
Trading Account Securities	544	508	458	431	37	552	533	537	518	585
Loans and Leases, Net of Allowance	15,322	15,166	14,257	12,509	13,103	13,196	-3.85	12,419	11,709	11,188
Loans and Leases	15,392	15,243	14,330	12,573	13,150	13,235	39	12,468	11,771	11,259
Allowance for Loan and Lease Losses	70	77	73	64	47	39	42	49	62	72
Premises and Equipment, Net	33	35	35	37	42	62	63	61	61	57
Other Assets	728	739	661	592	963	458	13,275	406	382	384
Total Liabilities & Shareholders' Equity	17,091	16,918	15,790	14,057	14,642	14,542	14,137	13,693	12,906	12,369
Total Liabilities	15,228	14,991	13,946	12,325	12,970	12,846	12,379	12,003	11,246	10,640
Interest Bearing Deposits	10,309	9,574	9,038	9,103	9,337	8,870	8,595	8,252	8,424	8,372
Long-Term Debt	4,822	5,303	4,823	41	3,568	3,936	3,753	3,707	2,768	2,218
Other Long-Term Liabilities	98	113	84	89	-	40	-	-	-	-
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,863	1,927	1,844	1,732	1,672	1,697	1,758	1,690	1,660	1,729
Total Preferred & Common Equity	1,863	1,927	1,844	1,732	1,672	1,697	1,758	1,690	1,660	1,729
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,863	1,927	1,844	1,732	1,672	1,697	1,758	1,690	1,660	1,729
Common Stock	1,758	1,758	1,755	1,750	1,746	1,737	1,730	1,726	1,720	1,711
Retained Earnings	915	887	870	854	866	838	808	760	699	642
Treasury Stock	-772	-776	-772	-768	-768	-765	-754	-736	-682	-549
Accumulated Other Comprehensive Income / (Loss)	-16	85	23	-68	-132	-69	23	-7.49	-20	-13
Other Equity Adjustments	-23	-27	-31	-36	-40	-44	-49	-53	-57	-62

This table presents TFS Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	12/31/2024	6/30/2024	3/31/2024	12/31/2023	6/30/2023	3/31/2023	12/31/2022	6/30/2022
Total Assets	17,112	17,058	17,035	17,017	17,054	16,595	16,262	16,129	15,405
Cash and Due from Banks	36	33	29	27	46	23	28	32	30
Interest Bearing Deposits at Other Banks	427	433	531	567	506	413	393	412	358
Trading Account Securities	540	509	523	520	525	513	483	473	450
Loans and Leases, Net of Allowance	15,360	15,343	15,190	15,150	15,207	14,884	14,563	14,473	13,896
Loans and Leases	15,431	15,413	15,257	15,218	15,276	14,958	14,637	14,548	13,965
Allowance for Loan and Lease Losses	71	71	68	68	69	75	74	74	69
Premises and Equipment, Net	39	33	34	34	34	35	35	35	35
Other Assets	710	708	698	709	734	726	756	691	636
Total Liabilities & Shareholders' Equity	17,112	17,058	17,035	17,017	17,054	16,595	16,262	16,129	15,405
Total Liabilities	15,215	15,143	15,120	15,110	15,187	14,709	14,427	14,279	13,592
Interest Bearing Deposits	10,498	10,347	10,093	10,035	10,030	9,143	9,106	9,123	9,226
Long-Term Debt	4,615	4,696	4,846	4,981	5,060	5,469	5,232	5,016	4,265
Other Long-Term Liabilities	103	100	181	93	97	97	89	140	102
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,897	1,914	1,915	1,907	1,867	1,886	1,834	1,850	1,813
Total Preferred & Common Equity	1,897	1,914	1,915	1,907	1,867	1,886	1,834	1,850	1,813
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,897	1,914	1,915	1,907	1,867	1,886	1,834	1,850	1,813
Common Stock	1,758	1,758	1,756	1,755	1,754	1,757	1,756	1,754	1,753
Retained Earnings	929	923	912	907	901	882	879	878	859
Treasury Stock	-771	-772	-772	-772	-772	-776	-776	-775	-772
Accumulated Other Comprehensive Income / (Loss)	0.79	27	43	42	10	51	4.70	23	4.95
Other Equity Adjustments	-21	-22	-24	-25	-26	-28	-29	-30	-33

This table displays calculated financial ratios and metrics derived from TFS Financial's official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	9/30/2024	9/30/2023	9/30/2022	9/30/2021	9/30/2020	9/30/2019	9/30/2018	9/30/2017	9/30/2016	9/30/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-0.60%	4.74%	1.49%	-2.91%	8.33%	-9.82%	1.25%	1.14%	0.33%	0.36%
EBITDA Growth	7.06%	-6.39%	-10.23%	-0.30%	18.74%	-23.43%	-5.11%	8.82%	11.73%	13.11%
EBIT Growth	7.44%	1.43%	-8.03%	-0.15%	12.49%	-26.45%	-9.13%	8.97%	11.85%	10.66%
NOPAT Growth	5.76%	0.92%	-7.95%	-2.77%	3.84%	-6.05%	-3.90%	10.33%	10.97%	10.17%
Net Income Growth	5.76%	0.92%	-7.95%	-2.77%	3.84%	-6.05%	-3.90%	10.33%	10.97%	10.17%
EPS Growth	7.69%	0.00%	-10.34%	0.00%	3.57%	-6.67%	-6.25%	14.29%	12.00%	13.64%
Operating Cash Flow Growth	-2.34%	133.04%	-53.19%	-31.73%	18.25%	11.82%	-8.95%	19.14%	-16.83%	-1.36%
Free Cash Flow Firm Growth	228.29%	89.87%	-235.88%	644.38%	1,267.41%	-40.33%	96.69%	-119.56%	52.43%	-206.75%
Invested Capital Growth	-7.56%	8.45%	275.90%	-66.15%	-6.98%	2.20%	2.12%	21.87%	12.19%	30.16%
Revenue Q/Q Growth	-0.11%	-1.43%	4.98%	-0.40%	3.57%	-5.81%	-0.45%	0.53%	-0.21%	0.67%
EBITDA Q/Q Growth	-0.16%	-7.60%	12.56%	-1.85%	5.12%	-12.50%	-2.19%	-0.36%	0.10%	10.63%
EBIT Q/Q Growth	-0.42%	-7.59%	12.90%	4.14%	2.79%	-15.64%	-3.66%	0.34%	-0.24%	11.66%
NOPAT Q/Q Growth	-1.64%	-7.26%	12.73%	4.43%	-8.70%	-0.11%	-1.63%	0.24%	-0.27%	10.96%
Net Income Q/Q Growth	-1.64%	-7.26%	12.73%	4.43%	-8.70%	-0.11%	-1.63%	0.24%	-0.27%	10.96%
EPS Q/Q Growth	3.70%	-7.14%	8.33%	7.41%	-12.12%	0.00%	-3.23%	3.23%	0.00%	8.70%
Operating Cash Flow Q/Q Growth	-45.01%	40.19%	201.66%	-45.21%	0.03%	6.54%	4.81%	-9.11%	4.97%	8.14%
Free Cash Flow Firm Q/Q Growth	-7.16%	59.18%	-325.84%	441.26%	142.23%	18.69%	70.93%	12.11%	-8.15%	-17.54%
Invested Capital Q/Q Growth	-1.14%	-1.69%	9.70%	-63.65%	-4.00%	1.25%	1.45%	2.88%	6.55%	6.54%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	39.37%	36.55%	40.90%	46.24%	45.03%	41.08%	48.38%	51.62%	47.99%	43.09%
EBIT Margin	33.09%	30.61%	31.61%	34.88%	33.92%	32.67%	40.06%	44.63%	41.43%	37.16%
Profit (Net Income) Margin	26.25%	24.67%	25.61%	28.23%	28.19%	29.41%	28.24%	29.75%	27.27%	24.66%
Tax Burden Percent	79.34%	80.60%	81.00%	80.93%	83.11%	78.50%	70.49%	66.65%	65.83%	66.36%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	114.70%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	20.66%	19.40%	19.00%	19.07%	16.89%	21.50%	29.51%	33.35%	34.17%	33.64%
Return on Invested Capital (ROIC)	1.14%	1.08%	1.77%	2.31%	1.53%	1.44%	1.57%	1.81%	1.92%	2.08%
ROIC Less NNEP Spread (ROIC-NNEP)	1.14%	1.08%	1.77%	2.31%	1.53%	1.44%	1.57%	1.81%	1.92%	2.08%
Return on Net Nonoperating Assets (RNNOA)	3.06%	2.91%	2.40%	2.45%	3.41%	3.20%	3.39%	3.50%	2.83%	1.99%
Return on Equity (ROE)	4.20%	3.99%	4.17%	4.76%	4.95%	4.64%	4.95%	5.31%	4.75%	4.07%
Cash Return on Invested Capital (CROIC)	9.00%	-7.02%	-114.18%	101.14%	8.76%	-0.73%	-0.53%	-17.90%	-9.57%	-24.13%
Operating Return on Assets (OROA)	0.59%	0.57%	0.62%	0.70%	0.69%	0.62%	0.87%	1.00%	0.97%	0.91%
Return on Assets (ROA)	0.47%	0.46%	0.50%	0.56%	0.57%	0.56%	0.61%	0.67%	0.64%	0.60%
Return on Common Equity (ROCE)	4.20%	3.99%	4.17%	4.76%	4.95%	4.64%	4.95%	5.31%	4.75%	4.07%
Return on Equity Simple (ROE_SIMPLE)	4.27%	3.90%	4.04%	4.68%	4.98%	4.73%	4.86%	5.26%	4.85%	4.20%
Net Operating Profit after Tax (NOPAT)	80	75	75	81	83	80	85	89	81	73
NOPAT Margin	26.25%	24.67%	25.61%	28.23%	28.19%	29.41%	28.24%	29.75%	27.27%	24.66%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	51.40%	54.36%	54.05%	53.59%	49.34%	54.91%	48.75%	46.48%	46.17%	46.74%
Operating Expenses to Revenue	67.41%	69.88%	68.04%	68.25%	65.06%	71.00%	63.58%	61.06%	61.28%	63.86%
Earnings before Interest and Taxes (EBIT)	100	93	92	100	100	89	121	133	122	109
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	119	111	119	133	133	112	146	154	142	127
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.94	1.58	1.66	2.47	1.86	2.12	1.60	1.71	1.89	1.76
Price to Tangible Book Value (P/TBV)	1.94	1.58	1.66	2.47	1.86	2.12	1.60	1.71	1.89	1.76
Price to Revenue (P/Rev)	11.91	9.95	10.53	14.92	10.54	13.16	9.33	9.70	10.62	10.33
Price to Earnings (P/E)	45.36	40.34	41.11	52.84	37.37	53.49	33.03	32.59	38.92	41.91
Dividend Yield	8.79%	10.43%	10.34%	7.36%	9.99%	9.90%	7.55%	5.30%	3.87%	2.98%
Earnings Yield	2.20%	2.48%	2.43%	1.89%	2.68%	1.87%	3.03%	3.07%	2.57%	2.39%
Enterprise Value to Invested Capital (EV/IC)	1.19	1.09	1.13	2.16	1.18	1.29	1.14	1.17	1.28	1.29
Enterprise Value to Revenue (EV/Rev)	26.28	25.81	25.82	13.36	20.92	26.58	20.84	21.21	19.20	17.34
Enterprise Value to EBITDA (EV/EBITDA)	66.76	70.62	63.14	28.90	46.47	64.71	43.08	41.08	40.02	40.24
Enterprise Value to EBIT (EV/EBIT)	79.43	84.32	81.68	38.30	61.68	81.38	52.03	47.51	46.36	46.66
Enterprise Value to NOPAT (EV/NOPAT)	100.11	104.62	100.84	47.32	74.21	90.38	73.81	71.28	70.42	70.32
Enterprise Value to Operating Cash Flow (EV/OCF)	89.93	86.78	193.15	46.10	50.77	70.40	68.44	62.62	66.80	50.00
Enterprise Value to Free Cash Flow (EV/FCFF)	12.72	0.00	0.00	1.08	12.98	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.59	2.75	2.62	0.02	2.13	2.32	2.13	2.19	1.67	1.28
Long-Term Debt to Equity	2.59	2.75	2.62	0.02	2.13	2.32	2.13	2.19	1.67	1.28
Financial Leverage	2.67	2.68	1.36	1.06	2.23	2.23	2.16	1.93	1.47	0.96
Leverage Ratio	8.97	8.67	8.35	8.43	8.66	8.30	8.07	7.94	7.46	6.77
Compound Leverage Factor	8.97	8.67	8.35	8.43	8.66	9.52	8.07	7.94	7.46	6.77
Debt to Total Capital	72.13%	73.35%	72.34%	2.34%	68.09%	69.88%	68.10%	68.69%	62.51%	56.19%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	72.13%	73.35%	72.34%	2.34%	68.09%	69.88%	68.10%	68.69%	62.51%	56.19%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	27.87%	26.65%	27.66%	97.66%	31.91%	30.12%	31.90%	31.31%	37.49%	43.81%
Debt to EBITDA	40.40	47.57	40.50	0.31	26.81	35.12	25.65	24.04	19.53	17.49
Net Debt to EBITDA	36.51	43.39	37.40	-3.37	23.07	32.67	23.80	22.30	17.90	16.26
Long-Term Debt to EBITDA	40.40	47.57	40.50	0.31	26.81	35.12	25.65	24.04	19.53	17.49
Debt to NOPAT	60.58	70.48	64.68	0.51	42.82	49.05	43.94	41.71	34.36	30.56
Net Debt to NOPAT	54.76	64.28	59.73	-5.52	36.84	45.62	40.79	38.69	31.49	28.42
Long-Term Debt to NOPAT	60.58	70.48	64.68	0.51	42.82	49.05	43.94	41.71	34.36	30.56
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	626	-488	-4,819	3,547	476	-41	-29	-880	-401	-842
Operating Cash Flow to CapEx	2,891.64%	1,778.51%	1,684.51%	6,219.52%	0.00%	2,726.34%	1,100.14%	2,437.78%	930.56%	1,849.00%
Free Cash Flow to Firm to Interest Expense	1.37	-1.49	-33.95	22.49	2.24	-0.19	-0.18	-6.76	-3.39	-7.43
Operating Cash Flow to Interest Expense	0.19	0.28	0.27	0.53	0.57	0.48	0.57	0.78	0.72	0.90
Operating Cash Flow Less CapEx to Interest Expense	0.19	0.26	0.26	0.52	0.67	0.46	0.52	0.75	0.64	0.85
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02
Fixed Asset Turnover	8.93	8.81	8.09	7.26	5.73	4.37	4.87	4.90	5.00	5.18
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	6,684	7,231	6,667	1,774	5,239	5,633	5,512	5,397	4,429	3,947
Invested Capital Turnover	0.04	0.04	0.07	0.08	0.05	0.05	0.06	0.06	0.07	0.08
Increase / (Decrease) in Invested Capital	-547	563	4,894	-3,466	-393	121	114	968	481	915
Enterprise Value (EV)	7,968	7,872	7,519	3,834	6,183	7,252	6,304	6,336	5,672	5,105
Market Capitalization	3,610	3,036	3,066	4,280	3,114	3,591	2,821	2,897	3,135	3,042
Book Value per Share	$6.64	$6.88	$6.57	$6.17	$5.97	$6.06	$6.27	$6.00	$5.82	$5.91
Tangible Book Value per Share	$6.64	$6.88	$6.57	$6.17	$5.97	$6.06	$6.27	$6.00	$5.82	$5.91
Total Capital	6,684	7,231	6,667	1,774	5,239	5,633	5,512	5,397	4,429	3,947
Total Debt	4,822	5,303	4,823	41	3,568	3,936	3,753	3,707	2,768	2,218
Total Long-Term Debt	4,822	5,303	4,823	41	3,568	3,936	3,753	3,707	2,768	2,218
Net Debt	4,358	4,837	4,454	-447	3,070	3,661	3,483	3,439	2,537	2,063
Capital Expenditures (CapEx)	3.06	5.10	2.31	1.34	-21	3.78	8.37	4.15	9.13	5.52
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	4,822	5,303	4,823	41	3,568	3,936	3,753	3,707	2,768	2,218
Total Depreciation and Amortization (D&A)	19	18	27	33	33	23	25	21	19	17
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.28	$0.27	$0.26	$0.29	$0.30	$0.29	$0.31	$0.32	$0.28	$0.25
Adjusted Weighted Average Basic Shares Outstanding	278.18M	277.44M	277.37M	276.69M	275.86M	275.40M	275.59M	277.21M	281.57M	289.94M
Adjusted Diluted Earnings per Share	$0.28	$0.26	$0.26	$0.29	$0.29	$0.28	$0.30	$0.32	$0.28	$0.25
Adjusted Weighted Average Diluted Shares Outstanding	279.14M	278.58M	278.69M	278.58M	277.80M	277.37M	277.30M	279.27M	283.79M	292.21M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.29	$0.00	$0.32	$0.28	$0.25
Adjusted Weighted Average Basic & Diluted Shares Outstanding	280.71M	280.36M	560.82M	561.53M	560.49M	280.03M	280.21M	281.07M	283.47M	289.90M
Normalized Net Operating Profit after Tax (NOPAT)	80	75	75	81	83	80	85	89	81	73
Normalized NOPAT Margin	26.25%	24.67%	25.61%	28.23%	28.19%	29.41%	28.24%	29.75%	27.27%	24.66%
Pre Tax Income Margin	33.09%	30.61%	31.61%	34.88%	33.92%	37.47%	40.06%	44.63%	41.43%	37.16%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.22	0.28	0.65	0.63	0.47	0.41	0.75	1.02	1.04	0.97
NOPAT to Interest Expense	0.17	0.23	0.53	0.51	0.39	0.37	0.53	0.68	0.68	0.64
EBIT Less CapEx to Interest Expense	0.21	0.27	0.63	0.63	0.57	0.39	0.70	0.99	0.96	0.92
NOPAT Less CapEx to Interest Expense	0.17	0.21	0.51	0.51	0.49	0.35	0.48	0.65	0.61	0.59
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	74.07%	77.47%	78.18%	69.92%	66.57%	62.89%	44.06%	31.18%	29.07%	26.85%
Augmented Payout Ratio	76.49%	85.41%	86.62%	76.82%	69.36%	74.22%	67.17%	91.97%	188.42%	264.55%

This table displays calculated financial ratios and metrics derived from TFS Financial's official financial filings.

Metric	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	2.62%	-0.76%	-0.43%	1.20%	3.36%	-6.11%	-5.54%	-3.06%	9.17%	21.69%	20.90%
EBITDA Growth	5.48%	9.73%	-0.70%	14.45%	23.90%	-5.00%	-24.53%	-5.47%	-6.55%	17.48%	55.16%
EBIT Growth	2.42%	8.65%	-1.82%	16.03%	29.36%	-7.08%	-24.62%	2.46%	3.44%	38.35%	50.97%
NOPAT Growth	1.49%	8.30%	-6.81%	13.35%	30.20%	-6.70%	-23.15%	2.66%	0.40%	37.50%	49.47%
Net Income Growth	1.49%	8.30%	-6.81%	13.35%	30.20%	-6.70%	-23.15%	2.66%	0.40%	37.50%	49.47%
EPS Growth	0.00%	14.29%	16.67%	16.67%	16.67%	-12.50%	-25.00%	0.00%	0.00%	33.33%	33.33%
Operating Cash Flow Growth	49.36%	25.38%	-524.42%	186.48%	139.82%	-53.91%	213.48%	223.37%	-208.09%	929.25%	68.11%
Free Cash Flow Firm Growth	100.90%	938.67%	203.86%	148.72%	111.91%	97.84%	88.83%	-6.66%	-412.84%	-1,035.85%	-239.78%
Invested Capital Growth	-5.48%	-4.57%	-7.56%	-8.07%	-2.52%	0.89%	8.45%	21.01%	31.25%	38.15%	275.90%
Revenue Q/Q Growth	5.73%	-0.40%	-0.51%	-2.05%	2.25%	-0.07%	1.13%	0.03%	-7.12%	0.53%	3.78%
EBITDA Q/Q Growth	-4.80%	20.31%	-7.28%	-0.68%	-0.96%	8.88%	6.86%	7.52%	-24.06%	-13.50%	33.85%
EBIT Q/Q Growth	-6.56%	23.16%	-8.64%	-2.59%	-0.87%	11.29%	7.97%	8.60%	-28.79%	-9.72%	46.77%
NOPAT Q/Q Growth	-6.27%	23.12%	-8.71%	-3.67%	0.03%	5.94%	11.04%	10.66%	-28.32%	-12.74%	48.32%
Net Income Q/Q Growth	-6.27%	23.12%	-8.71%	-3.67%	0.03%	5.94%	11.04%	10.66%	-28.32%	-12.74%	48.32%
EPS Q/Q Growth	-12.50%	14.29%	0.00%	0.00%	0.00%	16.67%	0.00%	0.00%	-25.00%	0.00%	33.33%
Operating Cash Flow Q/Q Growth	-53.40%	177.62%	-160.66%	580.76%	-60.88%	162.74%	-59.06%	194.64%	-145.28%	746.83%	-216.67%
Free Cash Flow Firm Q/Q Growth	17.64%	-40.00%	-7.94%	209.17%	591.07%	92.57%	56.82%	24.44%	11.05%	61.52%	-312.32%
Invested Capital Q/Q Growth	-1.49%	-1.11%	-1.14%	-1.85%	-0.54%	-4.21%	-1.69%	4.08%	2.93%	2.97%	9.70%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	40.55%	45.03%	37.28%	40.00%	39.45%	40.73%	37.38%	35.37%	32.91%	40.25%	46.78%
EBIT Margin	33.53%	37.94%	30.68%	33.41%	33.60%	34.65%	31.11%	29.14%	26.84%	35.01%	38.99%
Profit (Net Income) Margin	26.57%	29.97%	24.24%	26.42%	26.87%	27.46%	25.90%	23.59%	21.33%	27.63%	31.83%
Tax Burden Percent	79.24%	78.99%	79.02%	79.08%	79.97%	79.25%	83.25%	80.95%	79.45%	78.92%	81.65%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	20.76%	21.01%	20.98%	20.92%	20.03%	20.75%	16.75%	19.05%	20.55%	21.08%	18.35%
Return on Invested Capital (ROIC)	1.21%	1.34%	1.06%	1.14%	1.17%	1.20%	1.14%	1.09%	1.07%	1.43%	2.20%
ROIC Less NNEP Spread (ROIC-NNEP)	1.21%	1.34%	1.06%	1.14%	1.17%	1.20%	1.14%	1.09%	1.07%	1.43%	2.20%
Return on Net Nonoperating Assets (RNNOA)	3.05%	3.46%	2.82%	3.08%	3.18%	3.24%	3.05%	2.86%	2.60%	3.26%	2.99%
Return on Equity (ROE)	4.25%	4.80%	3.88%	4.22%	4.34%	4.43%	4.19%	3.95%	3.66%	4.69%	5.18%
Cash Return on Invested Capital (CROIC)	6.85%	5.88%	9.00%	9.56%	3.67%	0.18%	-7.02%	-17.80%	-25.73%	-30.67%	-114.18%
Operating Return on Assets (OROA)	0.60%	0.67%	0.55%	0.60%	0.61%	0.63%	0.58%	0.56%	0.54%	0.71%	0.76%
Return on Assets (ROA)	0.47%	0.53%	0.43%	0.48%	0.49%	0.50%	0.48%	0.46%	0.43%	0.56%	0.62%
Return on Common Equity (ROCE)	4.25%	4.80%	3.88%	4.22%	4.34%	4.43%	4.19%	3.95%	3.66%	4.69%	5.18%
Return on Equity Simple (ROE_SIMPLE)	4.30%	4.25%	0.00%	4.23%	4.12%	3.95%	0.00%	4.30%	4.40%	4.36%	0.00%
Net Operating Profit after Tax (NOPAT)	21	22	18	20	21	21	20	18	16	22	25
NOPAT Margin	26.57%	29.97%	24.24%	26.42%	26.87%	27.46%	25.90%	23.59%	21.33%	27.63%	31.83%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	50.45%	49.58%	51.66%	51.27%	51.75%	50.91%	52.25%	53.07%	58.80%	53.44%	47.59%
Operating Expenses to Revenue	64.57%	64.07%	67.99%	67.25%	67.70%	66.67%	68.22%	70.86%	74.50%	66.23%	61.01%
Earnings before Interest and Taxes (EBIT)	27	28	23	25	26	26	23	22	20	28	31
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	32	34	28	30	30	31	28	26	25	32	37
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.83	1.84	1.94	1.85	1.81	2.02	1.58	1.71	1.73	1.92	1.66
Price to Tangible Book Value (P/TBV)	1.83	1.84	1.94	1.85	1.81	2.02	1.58	1.71	1.73	1.92	1.66
Price to Revenue (P/Rev)	11.42	11.65	11.91	11.67	11.39	12.58	9.95	10.44	10.16	11.60	10.53
Price to Earnings (P/E)	42.63	43.36	45.36	43.78	43.85	51.18	40.34	39.82	39.25	43.95	41.11
Dividend Yield	9.12%	9.00%	8.79%	8.95%	9.21%	8.39%	10.43%	12.26%	10.00%	8.94%	10.34%
Earnings Yield	2.35%	2.31%	2.20%	2.28%	2.28%	1.95%	2.48%	2.51%	2.55%	2.28%	2.43%
Enterprise Value to Invested Capital (EV/IC)	1.17	1.17	1.19	1.16	1.14	1.20	1.09	1.12	1.13	1.18	1.13
Enterprise Value to Revenue (EV/Rev)	25.05	25.63	26.28	25.79	25.88	27.60	25.81	26.71	25.59	26.56	25.82
Enterprise Value to EBITDA (EV/EBITDA)	61.53	63.40	66.76	65.49	67.68	75.39	70.62	68.49	65.30	65.50	63.14
Enterprise Value to EBIT (EV/EBIT)	73.94	75.61	79.43	77.71	80.53	90.65	84.32	81.79	79.37	81.27	81.68
Enterprise Value to NOPAT (EV/NOPAT)	93.49	95.39	100.11	96.74	99.69	112.29	104.62	101.85	98.88	100.66	100.84
Enterprise Value to Operating Cash Flow (EV/OCF)	72.78	79.28	89.93	48.59	79.81	171.71	86.78	127.70	192.77	73.72	193.15
Enterprise Value to Free Cash Flow (EV/FCFF)	16.61	19.50	12.72	11.61	30.56	654.90	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.43	2.45	2.59	2.53	2.61	2.71	2.75	2.90	2.85	2.71	2.62
Long-Term Debt to Equity	2.43	2.45	2.59	2.53	2.61	2.71	2.75	2.90	2.85	2.71	2.62
Financial Leverage	2.52	2.58	2.67	2.71	2.73	2.71	2.68	2.63	2.43	2.28	1.36
Leverage Ratio	8.97	9.02	8.97	8.85	8.89	8.93	8.67	8.65	8.50	8.40	8.35
Compound Leverage Factor	8.97	9.02	8.97	8.85	8.89	8.93	8.67	8.65	8.50	8.40	8.35
Debt to Total Capital	70.87%	71.04%	72.13%	71.68%	72.31%	73.05%	73.35%	74.36%	74.04%	73.06%	72.34%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	70.87%	71.04%	72.13%	71.68%	72.31%	73.05%	73.35%	74.36%	74.04%	73.06%	72.34%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	29.13%	28.96%	27.87%	28.32%	27.69%	26.95%	26.65%	25.64%	25.96%	26.94%	27.66%
Debt to EBITDA	37.21	38.38	40.40	40.54	43.04	46.05	47.57	45.33	42.82	40.48	40.50
Net Debt to EBITDA	33.48	34.58	36.51	35.85	37.91	41.03	43.39	41.71	39.38	36.90	37.40
Long-Term Debt to EBITDA	37.21	38.38	40.40	40.54	43.04	46.05	47.57	45.33	42.82	40.48	40.50
Debt to NOPAT	56.54	57.75	60.58	59.89	63.40	68.59	70.48	67.40	64.85	62.22	64.68
Net Debt to NOPAT	50.86	52.02	54.76	52.96	55.84	61.11	64.28	62.03	59.63	56.71	59.73
Long-Term Debt to NOPAT	56.54	57.75	60.58	59.89	63.40	68.59	70.48	67.40	64.85	62.22	64.68
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	399	339	565	614	198	-40	-544	-1,259	-1,667	-1,874	-4,868
Operating Cash Flow to CapEx	305.53%	7,149.92%	-8,206.99%	11,599.88%	1,750.12%	5,167.28%	1,313.01%	2,130.60%	-7,136.80%	4,014.77%	-1,017.03%
Free Cash Flow to Firm to Interest Expense	3.50	2.86	4.71	5.31	1.77	-0.37	-5.53	-14.33	-21.29	-29.36	-106.99
Operating Cash Flow to Interest Expense	0.19	0.38	-0.49	0.84	0.13	0.34	0.14	0.38	-0.46	1.24	-0.27
Operating Cash Flow Less CapEx to Interest Expense	0.13	0.38	-0.50	0.83	0.12	0.33	0.13	0.37	-0.46	1.20	-0.29
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02
Fixed Asset Turnover	8.42	9.05	8.93	8.85	8.85	8.64	8.81	8.90	8.91	8.53	8.09
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	6,511	6,610	6,684	6,761	6,889	6,926	7,231	7,355	7,067	6,865	6,667
Invested Capital Turnover	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.07
Increase / (Decrease) in Invested Capital	-378	-316	-547	-594	-178	61	563	1,277	1,682	1,896	4,894
Enterprise Value (EV)	7,630	7,756	7,968	7,828	7,832	8,283	7,872	8,263	7,978	8,115	7,519
Market Capitalization	3,479	3,526	3,610	3,543	3,445	3,775	3,036	3,231	3,167	3,543	3,066
Book Value per Share	$6.75	$6.82	$6.64	$6.82	$6.86	$6.72	$6.88	$6.73	$6.54	$6.60	$6.57
Tangible Book Value per Share	$6.75	$6.82	$6.64	$6.82	$6.86	$6.72	$6.88	$6.73	$6.54	$6.60	$6.57
Total Capital	6,511	6,610	6,684	6,761	6,889	6,926	7,231	7,355	7,067	6,865	6,667
Total Debt	4,615	4,696	4,822	4,846	4,981	5,060	5,303	5,469	5,232	5,016	4,823
Total Long-Term Debt	4,615	4,696	4,822	4,846	4,981	5,060	5,303	5,469	5,232	5,016	4,823
Net Debt	4,151	4,230	4,358	4,286	4,387	4,508	4,837	5,033	4,811	4,572	4,454
Capital Expenditures (CapEx)	6.95	0.64	0.72	0.83	0.81	0.70	1.05	1.59	0.50	1.96	1.20
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	4,615	4,696	4,822	4,846	4,981	5,060	5,303	5,469	5,232	5,016	4,823
Total Depreciation and Amortization (D&A)	5.55	5.31	4.96	4.98	4.52	4.58	4.73	4.65	4.53	4.21	6.23
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.07	$0.08	$0.07	$0.07	$0.07	$0.07	$0.07	$0.06	$0.06	$0.08	$0.08
Adjusted Weighted Average Basic Shares Outstanding	278.73M	278.54M	278.18M	278.29M	278.18M	277.84M	277.44M	277.47M	277.36M	277.32M	277.37M
Adjusted Diluted Earnings per Share	$0.07	$0.08	$0.07	$0.07	$0.07	$0.07	$0.06	$0.06	$0.06	$0.08	$0.08
Adjusted Weighted Average Diluted Shares Outstanding	279.72M	279.58M	279.14M	279.22M	279.05M	279.00M	278.58M	278.59M	278.50M	278.46M	278.69M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	280.84M	280.80M	280.71M	280.71M	280.71M	280.71M	280.36M	280.33M	280.33M	280.33M	560.82M
Normalized Net Operating Profit after Tax (NOPAT)	21	22	18	20	21	21	20	18	16	22	25
Normalized NOPAT Margin	26.57%	29.97%	24.24%	26.42%	26.87%	27.46%	25.90%	23.59%	21.33%	27.63%	31.83%
Pre Tax Income Margin	33.53%	37.94%	30.68%	33.41%	33.60%	34.65%	31.11%	29.14%	26.84%	35.01%	38.99%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.23	0.24	0.19	0.22	0.23	0.24	0.24	0.25	0.26	0.44	0.68
NOPAT to Interest Expense	0.18	0.19	0.15	0.17	0.18	0.19	0.20	0.20	0.20	0.35	0.56
EBIT Less CapEx to Interest Expense	0.17	0.23	0.19	0.21	0.22	0.24	0.23	0.23	0.25	0.41	0.66
NOPAT Less CapEx to Interest Expense	0.12	0.18	0.15	0.17	0.18	0.19	0.19	0.18	0.20	0.32	0.53
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	72.60%	72.66%	74.07%	72.62%	74.60%	79.17%	77.47%	71.75%	72.23%	72.25%	78.18%
Augmented Payout Ratio	73.54%	73.61%	76.49%	75.42%	77.48%	83.21%	85.41%	79.00%	84.13%	84.46%	86.62%

Frequently Asked Questions About TFS Financial's Financials

When does TFS Financial's fiscal year end?

According to the most recent income statement we have on file, TFS Financial's financial year ends in September. Their financial year 2024 ended on September 30, 2024.

How has TFS Financial's net income changed over the last 9 years?

TFS Financial's net income for the last 5 years looks like this:

2020: $83.32 million
2021: $81.01 million
2022: $74.57 million
2023: $75.25 million
2024: $79.59 million

See TFS Financial's forecast for analyst expectations on what’s next for the company.

How has TFS Financial revenue changed over the last 9 years?

Over the last 9 years, TFS Financial's total revenue changed from $294.39 million in 2015 to $303.16 million in 2024, a change of 3.0%.

How much debt does TFS Financial have?

TFS Financial's total liabilities were at $15.23 billion at the end of 2024, a 1.6% increase from 2023, and a 43.1% increase since 2015.

How much cash does TFS Financial have?

In the past 9 years, TFS Financial's cash and equivalents has ranged from $18.96 million in 2022 to $35.24 million in 2017, and is currently $26.29 million as of their latest financial filing in 2024.

How has TFS Financial's book value per share changed over the last 9 years?

Over the last 9 years, TFS Financial's book value per share changed from 5.91 in 2015 to 6.64 in 2024, a change of 12.3%.

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This page (NASDAQ:TFSL) was last updated on 5/31/2025 by MarketBeat.com Staff

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TFS Financial (TFSL) Financials

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TFS Financial (TFSL) Financials

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