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TFS Financial (TFSL) Financials

TFS Financial logo
$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
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Annual Income Statements for TFS Financial

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

Quarterly Income Statements for TFS Financial

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 -

Annual Cash Flow Statements for TFS Financial

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

Quarterly Cash Flow Statements for TFS Financial

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

Annual Balance Sheets for TFS Financial

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

Quarterly Balance Sheets for TFS Financial

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

Annual Metrics And Ratios for TFS Financial

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%

Quarterly Metrics And Ratios for TFS Financial

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%.



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