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TFS Financial (TFSL) Financials

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$15.10 +0.15 (+0.97%)
As of 10:06 AM Eastern
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2015 9/30/2016 9/30/2017 9/30/2018 9/30/2019 9/30/2020 9/30/2021 9/30/2022 9/30/2023 9/30/2024 9/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 73 81 89 85 67 83 81 75 75 80 91
Consolidated Net Income / (Loss)		 73 81 89 85 80 83 81 75 75 80 91
Net Income / (Loss) Continuing Operations		 73 81 89 85 67 83 81 75 75 80 91
Total Pre-Tax Income 		109 122 133 121 102 100 100 92 93 100 115
Total Revenue		 294 295 299 302 273 296 287 291 305 303 321
Net Interest Income / (Expense)		 270 270 279 281 265 242 232 267 284 278 293
Total Interest Income		 383 388 409 443 482 455 389 409 612 734 763
Loans and Leases Interest Income		 369 376 394 423 459 441 382 396 566 664 706
Investment Securities Interest Income		 9.57 9.39 9.04 11 - 9.71 3.82 5.50 14 18 19
Other Interest Income		 4.60 3.43 5.51 8.96 10 4.89 3.64 8.14 32 52 38
Total Interest Expense		 113 118 130 162 217 213 158 142 328 456 470
Deposits Interest Expense		 94 90 87 102 143 140 97 77 174 293 309
Long-Term Debt Interest Expense		 20 28 43 60 73 73 60 65 154 163 162
Total Non-Interest Income		 24 25 20 22 20 53 55 24 21 25 29
Other Service Charges		 12 11 4.32 12 4.58 18 12 13 12 12 13
Net Realized & Unrealized Capital Gains on Investments		 4.52 6.16 2.18 3.38 1.87 28 33 1.14 0.50 2.75 5.34
Other Non-Interest Income		 7.32 7.41 13 6.16 14 7.15 9.96 9.98 9.36 10.00 11
Provision for Credit Losses		 -3.00 -8.00 -17 -11 -10 3.00 -9.00 1.00 -1.50 -1.50 2.50
Total Non-Interest Expense		 188 181 182 192 194 192 196 198 213 204 204
Salaries and Employee Benefits		 96 96 95 101 104 104 109 109 113 108 110
Net Occupancy & Equipment Expense		 22 24 25 27 26 25 26 27 28 28 29
Marketing Expense		 20 17 20 19 19 17 19 21 25 20 19
Property & Liability Insurance Claims		 11 10 10 11 10 11 9.09 9.36 13 15 14
Other Operating Expenses		 39 34 33 34 33 36 33 31 34 34 33
Income Tax Expense		 37 42 44 36 22 17 19 17 18 21 24
Basic Earnings per Share		 $0.25 $0.28 $0.32 $0.31 $0.29 $0.30 $0.29 $0.26 $0.27 $0.28 $0.32
Weighted Average Basic Shares Outstanding		 289.94M 281.57M 277.21M 275.59M 275.40M 275.86M 276.69M 277.37M 277.44M 278.18M 278.72M
Diluted Earnings per Share		 $0.25 $0.28 $0.32 $0.30 $0.28 $0.29 $0.29 $0.26 $0.26 $0.28 $0.32
Weighted Average Diluted Shares Outstanding		 292.21M 283.79M 279.27M 277.30M 277.37M 277.80M 278.58M 278.69M 278.58M 279.14M 279.76M
Weighted Average Basic & Diluted Shares Outstanding		 290.40M 287.70M 277.70M 275.50M 280.03M 560.49M 561.53M 560.82M 280.36M 280.71M 280.51M
Cash Dividends to Common per Share		 $0.31 $0.43 $0.55 $0.76 $1.02 $1.11 $1.12 $1.13 $1.13 $1.13 $1.13

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 20 21 21 20 18 22 21 22 26 22 23
Consolidated Net Income / (Loss)		 20 21 21 20 18 22 21 22 26 22 23
Net Income / (Loss) Continuing Operations		 20 21 21 20 18 22 21 22 26 22 23
Total Pre-Tax Income 		23 26 26 25 23 28 27 27 32 28 30
Total Revenue		 75 75 77 76 75 75 79 82 85 84 85
Net Interest Income / (Expense)		 70 69 71 69 69 68 72 75 77 76 78
Total Interest Income		 169 177 183 185 189 187 186 191 199 198 195
Loans and Leases Interest Income		 155 162 163 166 172 172 172 177 185 185 184
Investment Securities Interest Income		 4.14 4.40 4.48 4.66 4.69 4.46 4.76 4.82 4.71 4.24 3.99
Other Interest Income		 9.84 11 16 14 11 10 9.69 9.10 9.01 8.59 7.97
Total Interest Expense		 98 108 112 116 120 118 114 116 122 122 118
Deposits Interest Expense		 56 64 73 76 80 78 75 77 79 79 74
Long-Term Debt Interest Expense		 43 44 39 40 40 40 39 40 43 43 44
Total Non-Interest Income		 5.10 6.32 5.72 6.25 6.42 6.50 7.07 7.05 8.16 8.05 7.44
Other Service Charges		 3.02 2.64 3.09 3.27 2.96 2.71 3.20 3.59 3.20 2.96 2.98
Net Realized & Unrealized Capital Gains on Investments		 -0.12 0.48 0.44 0.72 1.10 1.12 1.19 0.73 2.31 2.33 1.74
Other Non-Interest Income		 2.20 3.19 2.19 2.25 2.36 2.68 2.68 2.73 2.65 2.76 2.72
Provision for Credit Losses		 0.50 -1.00 -1.00 -0.50 1.00 -1.50 1.50 1.50 1.00 -1.00 0.00
Total Non-Interest Expense		 51 50 52 51 51 48 51 53 52 56 55
Salaries and Employee Benefits		 29 27 28 27 26 27 28 28 28 30 30
Net Occupancy & Equipment Expense		 6.89 6.85 7.30 7.01 7.16 6.84 7.62 7.65 7.24 7.76 7.93
Marketing Expense		 3.88 4.43 5.10 4.87 5.33 3.65 4.63 5.81 4.54 6.24 4.03
Property & Liability Insurance Claims		 3.63 3.78 4.01 3.26 3.52 3.59 3.67 3.52 3.39 3.25 3.55
Other Operating Expenses		 8.43 8.11 8.28 8.81 8.75 7.25 7.50 8.55 9.31 8.50 9.71
Income Tax Expense		 3.93 5.42 5.19 5.28 4.84 5.96 5.51 5.84 6.44 6.22 6.60
Basic Earnings per Share		 $0.07 $0.07 $0.07 $0.07 $0.07 $0.08 $0.07 $0.08 $0.09 $0.08 $0.08
Weighted Average Basic Shares Outstanding		 277.44M 277.84M 278.18M 278.29M 278.18M 278.54M 278.73M 278.83M 278.72M 278.75M 278.86M
Diluted Earnings per Share		 $0.06 $0.07 $0.07 $0.07 $0.07 $0.08 $0.07 $0.08 $0.09 $0.08 $0.08
Weighted Average Diluted Shares Outstanding		 278.58M 279.00M 279.05M 279.22M 279.14M 279.58M 279.72M 279.87M 279.76M 279.91M 279.93M
Weighted Average Basic & Diluted Shares Outstanding		 280.36M 280.71M 280.71M 280.71M 280.71M 280.80M 280.84M 280.69M 280.51M 280.57M 280.43M
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2015 9/30/2016 9/30/2017 9/30/2018 9/30/2019 9/30/2020 9/30/2021 9/30/2022 9/30/2023 9/30/2024 9/30/2025
Net Change in Cash & Equivalents		 -26 76 37 1.56 5.37 223 -9.71 -119 97 -3.03 -34
Net Cash From Operating Activities		 102 85 101 92 103 122 83 39 91 89 82
Net Cash From Continuing Operating Activities		 102 85 101 92 103 122 83 39 91 89 82
Net Income / (Loss) Continuing Operations		 73 81 89 85 80 83 81 75 75 80 91
Consolidated Net Income / (Loss)		 73 81 89 85 80 83 81 75 75 80 91
Provision For Loan Losses		 -3.00 -8.00 -17 -11 -10 3.00 -9.00 1.00 -1.50 -1.50 2.50
Depreciation Expense		 17 19 21 25 23 33 33 27 18 19 23
Non-Cash Adjustments to Reconcile Net Income		 -12 -6.08 -18 -23 -25 -67 -108 -49 1.72 -17 -22
Changes in Operating Assets and Liabilities, net		 27 -0.93 26 16 35 69 87 -14 -2.87 8.86 -12
Net Cash From Investing Activities		 -600 -454 -755 -475 -342 148 547 -1,875 -1,009 -125 -384
Net Cash From Continuing Investing Activities		 -600 -454 -755 -475 -342 148 547 -1,875 -1,009 -125 -384
Purchase of Property, Leasehold Improvements and Equipment		 -5.52 -9.13 -4.15 -8.37 -3.78 -3.21 -1.34 -2.70 -5.10 -3.06 -11
Purchase of Investment Securities		 -2,960 -3,120 -3,627 -3,494 -3,037 -206 -393 -5,572 -179 -168 -192
Sale and/or Maturity of Investments		 2,366 2,675 2,876 519 2,856 4,589 5,817 3,699 2,725 3,038 3,606
Other Investing Activities, net		 - - - 2,509 -158 -4,256 -4,875 - -3,549 -2,992 -3,786
Net Cash From Financing Activities		 472 445 691 384 244 -46 -640 1,717 1,015 33 267
Net Cash From Continuing Financing Activities		 472 445 691 384 244 -46 -640 1,717 1,015 33 267
Net Change in Deposits		 -368 46 -180 340 275 459 -232 -84 520 731 262
Issuance of Debt		 1,045 737 1,161 332 603 -31 -425 600 767 -52 508
Repayment of Debt		 -20 -186 -222 -286 -421 -337 -9.11 871 -78 -427 -427
Repurchase of Common Equity		 -173 -128 -54 -20 -9.09 -2.32 -5.59 -6.29 -5.98 -1.93 -3.98
Payment of Dividends		 -19 -23 -28 -38 -50 -55 -57 -58 -58 -59 -60
Other Financing Activities, Net		 7.50 1.52 13 56 -154 -80 88 395 -130 -158 -12
Cash Interest Paid		 93 90 124 162 225 213 115 114 364 533 529
Cash Income Taxes Paid		 23 32 38 33 9.69 1.67 26 40 22 16 16

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 31 85 43 -34 -97 2.21 -2.35 -11 -23 27 -19
Net Cash From Operating Activities		 14 36 14 97 -59 46 21 27 -11 59 18
Net Cash From Continuing Operating Activities		 14 36 14 97 -59 46 21 27 -11 59 18
Net Income / (Loss) Continuing Operations		 20 21 21 20 18 22 21 22 26 22 23
Consolidated Net Income / (Loss)		 20 21 21 20 18 22 21 22 26 22 23
Depreciation Expense		 4.73 4.58 4.52 4.98 4.96 5.31 5.55 5.95 6.24 6.26 5.85
Non-Cash Adjustments to Reconcile Net Income		 0.78 1.11 -7.85 -16 5.39 11 -2.86 -6.20 -24 13 -2.44
Changes in Operating Assets and Liabilities, net		 -12 11 -2.17 88 -88 8.40 -3.99 4.00 -21 18 -9.02
Net Cash From Investing Activities		 -285 -42 72 -43 -112 -2.73 -44 -264 -74 14 -8.37
Net Cash From Continuing Investing Activities		 -285 -42 72 -43 -112 -2.73 -44 -264 -74 14 -8.37
Purchase of Property, Leasehold Improvements and Equipment		 -1.05 -0.70 -0.81 -0.83 -0.72 -0.64 -6.95 -1.73 -2.14 -1.66 -4.25
Purchase of Investment Securities		 -3,567 -115 -16 -24 -3,000 -86 -44 -35 -26 -28 -50
Sale and/or Maturity of Investments		 769 844 670 744 776 883 828 866 1,029 1,027 929
Other Investing Activities, net		 - -770 -581 -762 - -799 -821 -1,093 -1,074 -983 -882
Net Cash From Financing Activities		 301 91 -44 -88 74 -41 20 226 62 -45 -29
Net Cash From Continuing Financing Activities		 301 91 -44 -88 74 -41 20 226 62 -45 -29
Net Change in Deposits		 388 463 8.27 80 180 14 180 -49 106 -77 -188
Issuance of Debt		 -101 -142 75 -100 115 52 33 446 -12 34 367
Repayment of Debt		 -76 -101 -151 -25 -151 -176 -100 -150 -0.48 -101 -27
Repurchase of Common Equity		 -0.34 -1.92 - -0.01 -0.00 -0.77 - -0.74 -2.47 -2.99 -2.09
Payment of Dividends		 -15 -15 -15 -15 -15 -15 -15 -15 -15 -15 -15
Other Financing Activities, Net		 105 -113 38 -28 -55 85 -78 -4.85 -15 116 -164
Cash Interest Paid		 118 123 132 137 141 137 128 130 133 128 119
Cash Income Taxes Paid		 4.33 0.22 10 3.09 1.96 0.11 7.03 4.64 4.70 0.20 7.12

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2015 9/30/2016 9/30/2017 9/30/2018 9/30/2019 9/30/2020 9/30/2021 9/30/2022 9/30/2023 9/30/2024 9/30/2025
Total Assets		 12,369 12,906 13,693 14,137 14,542 14,642 14,057 15,790 16,918 17,091 17,456
Cash and Due from Banks		 22 28 35 29 32 25 27 19 29 26 24
Interest Bearing Deposits at Other Banks		 133 203 233 241 243 473 461 351 438 437 405
Trading Account Securities		 585 518 537 533 552 37 431 458 508 544 521
Loans and Leases, Net of Allowance		 11,188 11,709 12,419 -3.85 13,196 13,103 12,509 14,257 15,166 0.00 -74
Loans and Leases		 11,259 11,771 12,468 39 13,235 13,150 12,573 14,330 15,243 - 0.00
Allowance for Loan and Lease Losses		 72 62 49 42 39 47 64 73 77 - 74
Loans Held for Sale		 0.12 4.69 0.35 - - - - 9.66 3.26 - 58
Premises and Equipment, Net		 57 61 61 63 62 42 37 35 35 33 40
Other Assets		 384 382 406 13,275 458 963 592 661 739 16,050 745
Total Liabilities & Shareholders' Equity		 12,369 12,906 13,693 14,137 14,542 14,642 14,057 15,790 16,918 17,091 17,456
Total Liabilities		 10,640 11,246 12,003 12,379 12,846 12,970 12,325 13,946 14,991 15,228 15,562
Interest Bearing Deposits		 8,372 8,424 8,252 8,595 8,870 9,337 9,103 9,038 9,574 10,309 10,560
Long-Term Debt		 2,218 2,768 3,707 3,753 3,936 3,568 41 4,823 5,303 4,793 4,901
Other Long-Term Liabilities		 - - - - 40 - 89 84 113 98 102
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,729 1,660 1,690 1,758 1,697 1,672 1,732 1,844 1,927 1,863 1,894
Total Preferred & Common Equity		 1,729 1,660 1,690 1,758 1,697 1,672 1,732 1,844 1,927 1,863 1,894
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,729 1,660 1,690 1,758 1,697 1,672 1,732 1,844 1,927 1,863 1,894
Common Stock		 1,711 1,720 1,726 1,730 1,737 1,746 1,750 1,755 1,758 1,758 1,761
Retained Earnings		 642 699 760 808 838 866 854 870 887 915 947
Treasury Stock		 -549 -682 -736 -754 -765 -768 -768 -772 -776 -772 -774
Accumulated Other Comprehensive Income / (Loss)		 -13 -20 -7.49 23 -69 -132 -68 23 85 -16 -21
Other Equity Adjustments		 -62 -57 -53 -49 -44 -40 -36 -31 -27 -23 -18

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 12/31/2022 3/31/2023 6/30/2023 12/31/2023 3/31/2024 6/30/2024 12/31/2024 3/31/2025 6/30/2025 12/31/2025 3/31/2026
Total Assets		 16,129 16,262 16,595 17,054 17,017 17,035 17,058 17,112 17,376 17,499 17,480
Cash and Due from Banks		 32 28 23 46 27 29 33 36 29 27 25
Interest Bearing Deposits at Other Banks		 412 393 413 506 567 531 433 427 424 430 412
Trading Account Securities		 473 483 513 525 520 523 509 540 556 454 455
Loans and Leases, Net of Allowance		 14,473 14,563 14,884 15,207 15,150 15,190 15,343 15,360 15,596 -75 -75
Loans and Leases		 14,548 14,637 14,958 15,276 15,218 15,257 15,413 15,431 15,669 0.00 0.00
Allowance for Loan and Lease Losses		 74 74 75 69 68 68 71 71 73 75 75
Loans Held for Sale		 13 4.40 0.60 1.10 9.70 30 - - - 14 5.05
Premises and Equipment, Net		 35 35 35 34 34 34 33 39 39 40 43
Other Assets		 691 756 726 734 709 698 708 710 732 791 797
Total Liabilities & Shareholders' Equity		 16,129 16,262 16,595 17,054 17,017 17,035 17,058 17,112 17,376 17,499 17,480
Total Liabilities		 14,279 14,427 14,709 15,187 15,110 15,120 15,143 15,215 15,488 15,598 15,557
Interest Bearing Deposits		 9,123 9,106 9,143 10,030 10,035 10,093 10,347 10,498 10,459 10,506 10,284
Long-Term Debt		 5,016 5,232 5,469 5,060 4,981 4,846 4,696 4,615 4,913 4,982 5,172
Other Long-Term Liabilities		 140 89 97 97 93 181 100 103 115 110 102
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,850 1,834 1,886 1,867 1,907 1,915 1,914 1,897 1,888 1,901 1,922
Total Preferred & Common Equity		 1,850 1,834 1,886 1,867 1,907 1,915 1,914 1,897 1,888 1,901 1,922
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,850 1,834 1,886 1,867 1,907 1,915 1,914 1,897 1,888 1,901 1,922
Common Stock		 1,754 1,756 1,757 1,754 1,755 1,756 1,758 1,758 1,760 1,760 1,762
Retained Earnings		 878 879 882 901 907 912 923 929 936 954 962
Treasury Stock		 -775 -776 -776 -772 -772 -772 -772 -771 -772 -774 -776
Accumulated Other Comprehensive Income / (Loss)		 23 4.70 51 10 42 43 27 0.79 -16 -21 -8.80
Other Equity Adjustments		 -30 -29 -28 -26 -25 -24 -22 -21 -20 -17 -16

Annual Metrics And Ratios for TFS Financial

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2015 9/30/2016 9/30/2017 9/30/2018 9/30/2019 9/30/2020 9/30/2021 9/30/2022 9/30/2023 9/30/2024 9/30/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.36% 0.33% 1.14% 1.25% -9.82% 8.33% -2.91% 1.49% 4.74% -0.60% 6.04%
EBITDA Growth		 13.11% 11.73% 8.82% -5.11% -23.43% 18.74% -0.30% -10.23% -6.39% 7.06% 15.43%
EBIT Growth		 10.66% 11.85% 8.97% -9.13% -26.45% 12.49% -0.15% -8.03% 1.43% 7.44% 14.36%
NOPAT Growth		 10.17% 10.97% 10.33% -3.90% -6.05% 3.84% -2.77% -7.95% 0.92% 5.76% 14.29%
Net Income Growth		 10.17% 10.97% 10.33% -3.90% -6.05% 3.84% -2.77% -7.95% 0.92% 5.76% 14.29%
EPS Growth		 13.64% 12.00% 14.29% -6.25% -6.67% 3.57% 0.00% -10.34% 0.00% 7.69% 14.29%
Operating Cash Flow Growth		 -1.36% -16.83% 19.14% -8.95% 11.82% 18.25% -31.73% -53.19% 133.04% -2.34% -6.98%
Free Cash Flow Firm Growth		 -206.75% 52.43% -119.56% 96.69% -40.33% 1,267.41% 644.38% -235.88% 89.87% 228.29% -102.70%
Invested Capital Growth		 30.16% 12.19% 21.87% 2.12% 2.20% -6.98% -66.15% 275.90% 8.45% -7.56% 1.63%
Revenue Q/Q Growth		 0.67% -0.21% 0.53% -0.45% -5.81% 3.57% -0.40% 4.98% -1.43% -0.11% 3.33%
EBITDA Q/Q Growth		 10.63% 0.10% -0.36% -2.19% -12.50% 5.12% -1.85% 12.56% -7.60% -0.16% 8.39%
EBIT Q/Q Growth		 11.66% -0.24% 0.34% -3.66% -15.64% 2.79% 4.14% 12.90% -7.59% -0.42% 8.91%
NOPAT Q/Q Growth		 10.96% -0.27% 0.24% -1.63% -0.11% -8.70% 4.43% 12.73% -7.26% -1.64% 9.36%
Net Income Q/Q Growth		 10.96% -0.27% 0.24% -1.63% -0.11% -8.70% 4.43% 12.73% -7.26% -1.64% 9.36%
EPS Q/Q Growth		 8.70% 0.00% 3.23% -3.23% 0.00% -12.12% 7.41% 8.33% -7.14% 3.70% 6.67%
Operating Cash Flow Q/Q Growth		 8.14% 4.97% -9.11% 4.81% 6.54% 0.03% -45.21% 201.66% 40.19% -45.01% 136.55%
Free Cash Flow Firm Q/Q Growth		 -17.54% -8.15% 12.11% 70.93% 18.69% 142.23% 441.26% -325.84% 59.18% -7.16% -140.97%
Invested Capital Q/Q Growth		 6.54% 6.55% 2.88% 1.45% 1.25% -4.00% -63.65% 9.70% -1.69% -1.14% -0.55%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 43.09% 47.99% 51.62% 48.38% 41.08% 45.03% 46.24% 40.90% 36.55% 39.37% 42.85%
EBIT Margin		 37.16% 41.43% 44.63% 40.06% 32.67% 33.92% 34.88% 31.61% 30.61% 33.09% 35.68%
Profit (Net Income) Margin		 24.66% 27.27% 29.75% 28.24% 29.41% 28.19% 28.23% 25.61% 24.67% 26.25% 28.29%
Tax Burden Percent		 66.36% 65.83% 66.65% 70.49% 78.50% 83.11% 80.93% 81.00% 80.60% 79.34% 79.29%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 114.70% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 33.64% 34.17% 33.35% 29.51% 21.50% 16.89% 19.07% 19.00% 19.40% 20.66% 20.71%
Return on Invested Capital (ROIC)		 2.08% 1.92% 1.81% 1.57% 1.44% 1.53% 2.31% 1.77% 1.08% 1.14% 1.36%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.08% 1.92% 1.81% 1.57% 1.44% 1.53% 2.31% 1.77% 1.08% 1.14% 1.36%
Return on Net Nonoperating Assets (RNNOA)		 1.99% 2.83% 3.50% 3.39% 3.20% 3.41% 2.45% 2.40% 2.91% 3.06% 3.49%
Return on Equity (ROE)		 4.07% 4.75% 5.31% 4.95% 4.64% 4.95% 4.76% 4.17% 3.99% 4.20% 4.84%
Cash Return on Invested Capital (CROIC)		 -24.13% -9.57% -17.90% -0.53% -0.73% 8.76% 101.14% -114.18% -7.02% 9.00% -0.26%
Operating Return on Assets (OROA)		 0.91% 0.97% 1.00% 0.87% 0.62% 0.69% 0.70% 0.62% 0.57% 0.59% 0.66%
Return on Assets (ROA)		 0.60% 0.64% 0.67% 0.61% 0.56% 0.57% 0.56% 0.50% 0.46% 0.47% 0.53%
Return on Common Equity (ROCE)		 4.07% 4.75% 5.31% 4.95% 4.64% 4.95% 4.76% 4.17% 3.99% 4.20% 4.84%
Return on Equity Simple (ROE_SIMPLE)		 4.20% 4.85% 5.26% 4.86% 4.73% 4.98% 4.68% 4.04% 3.90% 4.27% 4.80%
Net Operating Profit after Tax (NOPAT)		 73 81 89 85 80 83 81 75 75 80 91
NOPAT Margin		 24.66% 27.27% 29.75% 28.24% 29.41% 28.19% 28.23% 25.61% 24.67% 26.25% 28.29%
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		 46.74% 46.17% 46.48% 48.75% 54.91% 49.34% 53.59% 54.05% 54.36% 51.40% 48.99%
Operating Expenses to Revenue		 63.86% 61.28% 61.06% 63.58% 71.00% 65.06% 68.25% 68.04% 69.88% 67.41% 63.54%
Earnings before Interest and Taxes (EBIT)		 109 122 133 121 89 100 100 92 93 100 115
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 127 142 154 146 112 133 133 119 111 119 138
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.76 1.89 1.71 1.60 2.12 1.86 2.47 1.66 1.58 1.94 1.95
Price to Tangible Book Value (P/TBV)		 1.76 1.89 1.71 1.60 2.12 1.86 2.47 1.66 1.58 1.94 1.95
Price to Revenue (P/Rev)		 10.33 10.62 9.70 9.33 13.16 10.54 14.92 10.53 9.95 11.91 11.50
Price to Earnings (P/E)		 41.91 38.92 32.59 33.03 53.49 37.37 52.84 41.11 40.34 45.36 40.66
Dividend Yield		 2.98% 3.87% 5.30% 7.55% 9.90% 9.99% 7.36% 10.34% 10.43% 8.79% 8.58%
Earnings Yield		 2.39% 2.57% 3.07% 3.03% 1.87% 2.68% 1.89% 2.43% 2.48% 2.20% 2.46%
Enterprise Value to Invested Capital (EV/IC)		 1.29 1.28 1.17 1.14 1.29 1.18 2.16 1.13 1.09 1.19 1.20
Enterprise Value to Revenue (EV/Rev)		 17.34 19.20 21.21 20.84 26.58 20.92 13.36 25.82 25.81 26.28 25.32
Enterprise Value to EBITDA (EV/EBITDA)		 40.24 40.02 41.08 43.08 64.71 46.47 28.90 63.14 70.62 66.76 59.08
Enterprise Value to EBIT (EV/EBIT)		 46.66 46.36 47.51 52.03 81.38 61.68 38.30 81.68 84.32 79.43 70.95
Enterprise Value to NOPAT (EV/NOPAT)		 70.32 70.42 71.28 73.81 90.38 74.21 47.32 100.84 104.62 100.11 89.48
Enterprise Value to Operating Cash Flow (EV/OCF)		 50.00 66.80 62.62 68.44 70.40 50.77 46.10 193.15 86.78 89.93 98.75
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 12.98 1.08 0.00 0.00 12.72 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.28 1.67 2.19 2.13 2.32 2.13 0.02 2.62 2.75 2.59 2.57
Long-Term Debt to Equity		 1.28 1.67 2.19 2.13 2.32 2.13 0.02 2.62 2.75 2.59 2.57
Financial Leverage		 0.96 1.47 1.93 2.16 2.23 2.23 1.06 1.36 2.68 2.67 2.57
Leverage Ratio		 6.77 7.46 7.94 8.07 8.30 8.66 8.43 8.35 8.67 8.97 9.20
Compound Leverage Factor		 6.77 7.46 7.94 8.07 9.52 8.66 8.43 8.35 8.67 8.97 9.20
Debt to Total Capital		 56.19% 62.51% 68.69% 68.10% 69.88% 68.09% 2.34% 72.34% 73.35% 72.13% 72.00%
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		 56.19% 62.51% 68.69% 68.10% 69.88% 68.09% 2.34% 72.34% 73.35% 72.13% 72.00%
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		 43.81% 37.49% 31.31% 31.90% 30.12% 31.91% 97.66% 27.66% 26.65% 27.87% 28.00%
Debt to EBITDA		 17.49 19.53 24.04 25.65 35.12 26.81 0.31 40.50 47.57 40.40 35.35
Net Debt to EBITDA		 16.26 17.90 22.30 23.80 32.67 23.07 -3.37 37.40 43.39 36.51 32.23
Long-Term Debt to EBITDA		 17.49 19.53 24.04 25.65 35.12 26.81 0.31 40.50 47.57 40.40 35.35
Debt to NOPAT		 30.56 34.36 41.71 43.94 49.05 42.82 0.51 64.68 70.48 60.58 53.54
Net Debt to NOPAT		 28.42 31.49 38.69 40.79 45.62 36.84 -5.52 59.73 64.28 54.76 48.82
Long-Term Debt to NOPAT		 30.56 34.36 41.71 43.94 49.05 42.82 0.51 64.68 70.48 60.58 53.54
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)		 -842 -401 -880 -29 -41 476 3,547 -4,819 -488 626 -18
Operating Cash Flow to CapEx		 1,849.00% 930.56% 2,437.78% 1,100.14% 2,726.34% 0.00% 6,219.52% 1,684.51% 1,778.51% 2,891.64% 719.63%
Free Cash Flow to Firm to Interest Expense		 -7.43 -3.39 -6.76 -0.18 -0.19 2.24 22.49 -33.95 -1.49 1.37 -0.04
Operating Cash Flow to Interest Expense		 0.90 0.72 0.78 0.57 0.48 0.57 0.53 0.27 0.28 0.19 0.18
Operating Cash Flow Less CapEx to Interest Expense		 0.85 0.64 0.75 0.52 0.46 0.67 0.52 0.26 0.26 0.19 0.15
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		 5.18 5.00 4.90 4.87 4.37 5.73 7.26 8.09 8.81 8.93 8.78
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,947 4,429 5,397 5,512 5,633 5,239 1,774 6,667 7,231 6,684 6,764
Invested Capital Turnover		 0.08 0.07 0.06 0.06 0.05 0.05 0.08 0.07 0.04 0.04 0.05
Increase / (Decrease) in Invested Capital		 915 481 968 114 121 -393 -3,466 4,894 563 -547 109
Enterprise Value (EV)		 5,105 5,672 6,336 6,304 7,252 6,183 3,834 7,519 7,872 7,968 8,139
Market Capitalization		 3,042 3,135 2,897 2,821 3,591 3,114 4,280 3,066 3,036 3,610 3,698
Book Value per Share		 $5.91 $5.82 $6.00 $6.27 $6.06 $5.97 $6.17 $6.57 $6.88 $6.64 $6.75
Tangible Book Value per Share		 $5.91 $5.82 $6.00 $6.27 $6.06 $5.97 $6.17 $6.57 $6.88 $6.64 $6.75
Total Capital		 3,947 4,429 5,397 5,512 5,633 5,239 1,774 6,667 7,231 6,684 6,764
Total Debt		 2,218 2,768 3,707 3,753 3,936 3,568 41 4,823 5,303 4,822 4,870
Total Long-Term Debt		 2,218 2,768 3,707 3,753 3,936 3,568 41 4,823 5,303 4,822 4,870
Net Debt		 2,063 2,537 3,439 3,483 3,661 3,070 -447 4,454 4,837 4,358 4,441
Capital Expenditures (CapEx)		 5.52 9.13 4.15 8.37 3.78 -21 1.34 2.31 5.10 3.06 11
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)		 2,218 2,768 3,707 3,753 3,936 3,568 41 4,823 5,303 4,822 4,870
Total Depreciation and Amortization (D&A)		 17 19 21 25 23 33 33 27 18 19 23
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.25 $0.28 $0.32 $0.31 $0.29 $0.30 $0.29 $0.26 $0.27 $0.28 $0.32
Adjusted Weighted Average Basic Shares Outstanding		 289.94M 281.57M 277.21M 275.59M 275.40M 275.86M 276.69M 277.37M 277.44M 278.18M 278.72M
Adjusted Diluted Earnings per Share		 $0.25 $0.28 $0.32 $0.30 $0.28 $0.29 $0.29 $0.26 $0.26 $0.28 $0.32
Adjusted Weighted Average Diluted Shares Outstanding		 292.21M 283.79M 279.27M 277.30M 277.37M 277.80M 278.58M 278.69M 278.58M 279.14M 279.76M
Adjusted Basic & Diluted Earnings per Share		 $0.25 $0.28 $0.32 $0.00 $0.29 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 289.90M 283.47M 281.07M 280.21M 280.03M 560.49M 561.53M 560.82M 280.36M 280.71M 280.51M
Normalized Net Operating Profit after Tax (NOPAT)		 73 81 89 85 80 83 81 75 75 80 91
Normalized NOPAT Margin		 24.66% 27.27% 29.75% 28.24% 29.41% 28.19% 28.23% 25.61% 24.67% 26.25% 28.29%
Pre Tax Income Margin		 37.16% 41.43% 44.63% 40.06% 37.47% 33.92% 34.88% 31.61% 30.61% 33.09% 35.68%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.97 1.04 1.02 0.75 0.41 0.47 0.63 0.65 0.28 0.22 0.24
NOPAT to Interest Expense		 0.64 0.68 0.68 0.53 0.37 0.39 0.51 0.53 0.23 0.17 0.19
EBIT Less CapEx to Interest Expense		 0.92 0.96 0.99 0.70 0.39 0.57 0.63 0.63 0.27 0.21 0.22
NOPAT Less CapEx to Interest Expense		 0.59 0.61 0.65 0.48 0.35 0.49 0.51 0.51 0.21 0.17 0.17
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 26.85% 29.07% 31.18% 44.06% 62.89% 66.57% 69.92% 78.18% 77.47% 74.07% 65.45%
Augmented Payout Ratio		 264.55% 188.42% 91.97% 67.17% 74.22% 69.36% 76.82% 86.62% 85.41% 76.49% 69.82%

Quarterly Metrics And Ratios for TFS Financial

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 280,570,799.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 280,570,799.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.08
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.54% -6.11% 3.36% 1.20% -0.43% -0.76% 2.62% 8.64% 13.77% - 7.74%
EBITDA Growth		 -24.53% -5.00% 23.90% 14.45% -0.70% 9.73% 5.48% 10.25% 38.08% - 11.25%
EBIT Growth		 -24.62% -7.08% 29.36% 16.03% -1.82% 8.65% 2.42% 8.43% 40.73% - 12.50%
NOPAT Growth		 -23.15% -6.70% 30.20% 13.35% -6.81% 8.30% 1.49% 7.82% 42.73% - 10.59%
Net Income Growth		 -23.15% -6.70% 30.20% 13.35% -6.81% 8.30% 1.49% 7.82% 42.73% - 10.59%
EPS Growth		 -25.00% -12.50% 16.67% 16.67% 16.67% 14.29% 0.00% 14.29% 28.57% - 14.29%
Operating Cash Flow Growth		 213.48% -53.91% 139.82% 186.48% -524.42% 25.38% 49.36% -72.35% 81.08% - -16.89%
Free Cash Flow Firm Growth		 88.83% 97.84% 111.91% 148.72% 203.86% 938.67% 100.90% -103.00% -113.93% - -240.36%
Invested Capital Growth		 8.45% 0.89% -2.52% -8.07% -7.56% -4.57% -5.48% 0.59% 1.63% - 8.95%
Revenue Q/Q Growth		 1.13% -0.07% 2.25% -2.05% -0.51% -0.40% 5.73% 3.70% 4.20% - 1.81%
EBITDA Q/Q Growth		 6.86% 8.88% -0.96% -0.68% -7.28% 20.31% -4.80% 3.81% 16.13% - 2.69%
EBIT Q/Q Growth		 7.97% 11.29% -0.87% -2.59% -8.64% 23.16% -6.56% 3.12% 18.58% - 4.72%
NOPAT Q/Q Growth		 11.04% 5.94% 0.03% -3.67% -8.71% 23.12% -6.27% 2.34% 20.85% - 4.37%
Net Income Q/Q Growth		 11.04% 5.94% 0.03% -3.67% -8.71% 23.12% -6.27% 2.34% 20.85% - 4.37%
EPS Q/Q Growth		 0.00% 16.67% 0.00% 0.00% 0.00% 14.29% -12.50% 14.29% 12.50% - 0.00%
Operating Cash Flow Q/Q Growth		 -59.06% 162.74% -60.88% 580.76% -160.66% 177.62% -53.40% 26.04% -141.50% - -69.97%
Free Cash Flow Firm Q/Q Growth		 56.82% 92.57% 591.07% 209.17% -7.94% -40.00% 17.64% -104.62% -348.65% - -123.15%
Invested Capital Q/Q Growth		 -1.69% -4.21% -0.54% -1.85% -1.14% -1.11% -1.49% 4.45% -0.55% - 3.07%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.38% 40.73% 39.45% 40.00% 37.28% 45.03% 40.55% 40.59% 45.24% - 41.87%
EBIT Margin		 31.11% 34.65% 33.60% 33.41% 30.68% 37.94% 33.53% 33.35% 37.95% - 35.01%
Profit (Net Income) Margin		 25.90% 27.46% 26.87% 26.42% 24.24% 29.97% 26.57% 26.22% 30.41% - 27.27%
Tax Burden Percent		 83.25% 79.25% 79.97% 79.08% 79.02% 78.99% 79.24% 78.64% 80.15% - 77.90%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 16.75% 20.75% 20.03% 20.92% 20.98% 21.01% 20.76% 21.36% 19.85% - 22.10%
Return on Invested Capital (ROIC)		 1.14% 1.20% 1.17% 1.14% 1.06% 1.34% 1.21% 1.20% 1.46% - 1.35%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.14% 1.20% 1.17% 1.14% 1.06% 1.34% 1.21% 1.20% 1.46% - 1.35%
Return on Net Nonoperating Assets (RNNOA)		 3.05% 3.24% 3.18% 3.08% 2.82% 3.46% 3.05% 3.09% 3.75% - 3.46%
Return on Equity (ROE)		 4.19% 4.43% 4.34% 4.22% 3.88% 4.80% 4.25% 4.29% 5.21% - 4.81%
Cash Return on Invested Capital (CROIC)		 -7.02% 0.18% 3.67% 9.56% 9.00% 5.88% 6.85% 0.64% -0.26% - -7.20%
Operating Return on Assets (OROA)		 0.58% 0.63% 0.61% 0.60% 0.55% 0.67% 0.60% 0.60% 0.71% - 0.68%
Return on Assets (ROA)		 0.48% 0.50% 0.49% 0.48% 0.43% 0.53% 0.47% 0.47% 0.57% - 0.53%
Return on Common Equity (ROCE)		 4.19% 4.43% 4.34% 4.22% 3.88% 4.80% 4.25% 4.29% 5.21% - 4.81%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 3.95% 4.12% 4.23% 0.00% 4.25% 4.30% 4.41% 0.00% - 4.84%
Net Operating Profit after Tax (NOPAT)		 20 21 21 20 18 22 21 22 26 - 23
NOPAT Margin		 25.90% 27.46% 26.87% 26.42% 24.24% 29.97% 26.57% 26.22% 30.41% - 27.27%
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		 52.25% 50.91% 51.75% 51.27% 51.66% 49.58% 50.45% 50.11% 46.03% - 49.44%
Operating Expenses to Revenue		 68.22% 66.67% 67.70% 67.25% 67.99% 64.07% 64.57% 64.83% 60.88% - 64.99%
Earnings before Interest and Taxes (EBIT)		 23 26 26 25 23 28 27 27 32 - 30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 28 31 30 30 28 34 32 33 39 - 36
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.58 2.02 1.81 1.85 1.94 1.84 1.83 1.93 1.95 - 2.05
Price to Tangible Book Value (P/TBV)		 1.58 2.02 1.81 1.85 1.94 1.84 1.83 1.93 1.95 - 2.05
Price to Revenue (P/Rev)		 9.95 12.58 11.39 11.67 11.91 11.65 11.42 11.69 11.50 - 11.71
Price to Earnings (P/E)		 40.34 51.18 43.85 43.78 45.36 43.36 42.63 43.73 40.66 - 42.37
Dividend Yield		 10.43% 8.39% 9.21% 8.95% 8.79% 9.00% 9.12% 8.73% 8.58% - 8.04%
Earnings Yield		 2.48% 1.95% 2.28% 2.28% 2.20% 2.31% 2.35% 2.29% 2.46% - 2.36%
Enterprise Value to Invested Capital (EV/IC)		 1.09 1.20 1.14 1.16 1.19 1.17 1.17 1.19 1.20 - 1.22
Enterprise Value to Revenue (EV/Rev)		 25.81 27.60 25.88 25.79 26.28 25.63 25.05 26.03 25.32 - 25.78
Enterprise Value to EBITDA (EV/EBITDA)		 70.62 75.39 67.68 65.49 66.76 63.40 61.53 63.71 59.08 - 60.92
Enterprise Value to EBIT (EV/EBIT)		 84.32 90.65 80.53 77.71 79.43 75.61 73.94 76.88 70.95 - 73.44
Enterprise Value to NOPAT (EV/NOPAT)		 104.62 112.29 99.69 96.74 100.11 95.39 93.49 97.35 89.48 - 93.26
Enterprise Value to Operating Cash Flow (EV/OCF)		 86.78 171.71 79.81 48.59 89.93 79.28 72.78 232.41 98.75 - 94.27
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 654.90 30.56 11.61 12.72 19.50 16.61 187.29 0.00 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.75 2.71 2.61 2.53 2.59 2.45 2.43 2.60 2.57 - 2.69
Long-Term Debt to Equity		 2.75 2.71 2.61 2.53 2.59 2.45 2.43 2.60 2.57 - 2.69
Financial Leverage		 2.68 2.71 2.73 2.71 2.67 2.58 2.52 2.57 2.57 - 2.56
Leverage Ratio		 8.67 8.93 8.89 8.85 8.97 9.02 8.97 9.05 9.20 - 9.06
Compound Leverage Factor		 8.67 8.93 8.89 8.85 8.97 9.02 8.97 9.05 9.20 - 9.06
Debt to Total Capital		 73.35% 73.05% 72.31% 71.68% 72.13% 71.04% 70.87% 72.24% 72.00% - 72.90%
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		 73.35% 73.05% 72.31% 71.68% 72.13% 71.04% 70.87% 72.24% 72.00% - 72.90%
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		 26.65% 26.95% 27.69% 28.32% 27.87% 28.96% 29.13% 27.76% 28.00% - 27.10%
Debt to EBITDA		 47.57 46.05 43.04 40.54 40.40 38.38 37.21 38.66 35.35 - 36.31
Net Debt to EBITDA		 43.39 41.03 37.91 35.85 36.51 34.58 33.48 35.10 32.23 - 33.24
Long-Term Debt to EBITDA		 47.57 46.05 43.04 40.54 40.40 38.38 37.21 38.66 35.35 - 36.31
Debt to NOPAT		 70.48 68.59 63.40 59.89 60.58 57.75 56.54 59.07 53.54 - 55.59
Net Debt to NOPAT		 64.28 61.11 55.84 52.96 54.76 52.02 50.86 53.63 48.82 - 50.89
Long-Term Debt to NOPAT		 70.48 68.59 63.40 59.89 60.58 57.75 56.54 59.07 53.54 - 55.59
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)		 -544 -40 198 614 565 339 399 -18 -83 - -560
Operating Cash Flow to CapEx		 1,313.01% 5,167.28% 1,750.12% 11,599.88% -8,206.99% 7,149.92% 305.53% 1,549.94% -518.11% - 415.25%
Free Cash Flow to Firm to Interest Expense		 -5.53 -0.37 1.77 5.31 4.71 2.86 3.50 -0.16 -0.68 - -4.76
Operating Cash Flow to Interest Expense		 0.14 0.34 0.13 0.84 -0.49 0.38 0.19 0.23 -0.09 - 0.15
Operating Cash Flow Less CapEx to Interest Expense		 0.13 0.33 0.12 0.83 -0.50 0.38 0.13 0.22 -0.11 - 0.11
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		 8.81 8.64 8.85 8.85 8.93 9.05 8.42 8.56 8.78 - 8.21
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 7,231 6,926 6,889 6,761 6,684 6,610 6,511 6,801 6,764 - 7,094
Invested Capital Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 - 0.05
Increase / (Decrease) in Invested Capital		 563 61 -178 -594 -547 -316 -378 40 109 - 583
Enterprise Value (EV)		 7,872 8,283 7,832 7,828 7,968 7,756 7,630 8,097 8,139 - 8,676
Market Capitalization		 3,036 3,775 3,445 3,543 3,610 3,526 3,479 3,637 3,698 - 3,942
Book Value per Share		 $6.88 $6.72 $6.86 $6.82 $6.64 $6.82 $6.75 $6.72 $6.75 - $6.85
Tangible Book Value per Share		 $6.88 $6.72 $6.86 $6.82 $6.64 $6.82 $6.75 $6.72 $6.75 - $6.85
Total Capital		 7,231 6,926 6,889 6,761 6,684 6,610 6,511 6,801 6,764 - 7,094
Total Debt		 5,303 5,060 4,981 4,846 4,822 4,696 4,615 4,913 4,870 - 5,172
Total Long-Term Debt		 5,303 5,060 4,981 4,846 4,822 4,696 4,615 4,913 4,870 - 5,172
Net Debt		 4,837 4,508 4,387 4,286 4,358 4,230 4,151 4,461 4,441 - 4,734
Capital Expenditures (CapEx)		 1.05 0.70 0.81 0.83 0.72 0.64 6.95 1.73 2.14 - 4.25
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)		 5,303 5,060 4,981 4,846 4,822 4,696 4,615 4,913 4,870 - 5,172
Total Depreciation and Amortization (D&A)		 4.73 4.58 4.52 4.98 4.96 5.31 5.55 5.95 6.24 - 5.85
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.07 $0.07 $0.07 $0.07 $0.07 $0.08 $0.07 $0.08 $0.09 $0.08 $0.08
Adjusted Weighted Average Basic Shares Outstanding		 277.44M 277.84M 278.18M 278.29M 278.18M 278.54M 278.73M 278.83M 278.72M 278.75M 278.86M
Adjusted Diluted Earnings per Share		 $0.06 $0.07 $0.07 $0.07 $0.07 $0.08 $0.07 $0.08 $0.09 $0.08 $0.08
Adjusted Weighted Average Diluted Shares Outstanding		 278.58M 279.00M 279.05M 279.22M 279.14M 279.58M 279.72M 279.87M 279.76M 279.91M 279.93M
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		 280.36M 280.71M 280.71M 280.71M 280.71M 280.80M 280.84M 280.69M 280.51M 280.57M 280.43M
Normalized Net Operating Profit after Tax (NOPAT)		 20 21 21 20 18 22 21 22 26 - 23
Normalized NOPAT Margin		 25.90% 27.46% 26.87% 26.42% 24.24% 29.97% 26.57% 26.22% 30.41% - 27.27%
Pre Tax Income Margin		 31.11% 34.65% 33.60% 33.41% 30.68% 37.94% 33.53% 33.35% 37.95% - 35.01%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.24 0.24 0.23 0.22 0.19 0.24 0.23 0.24 0.27 - 0.25
NOPAT to Interest Expense		 0.20 0.19 0.18 0.17 0.15 0.19 0.18 0.18 0.21 - 0.20
EBIT Less CapEx to Interest Expense		 0.23 0.24 0.22 0.21 0.19 0.23 0.17 0.22 0.25 - 0.22
NOPAT Less CapEx to Interest Expense		 0.19 0.19 0.18 0.17 0.15 0.18 0.12 0.17 0.20 - 0.16
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 77.47% 79.17% 74.60% 72.62% 74.07% 72.66% 72.60% 71.44% 65.45% - 64.26%
Augmented Payout Ratio		 85.41% 83.21% 77.48% 75.42% 76.49% 73.61% 73.54% 73.26% 69.82% - 73.16%

Financials Breakdown Chart

Key Financial Trends

Here are the key takeaways from TFSL's latest quarterly results, along with observed trends over the last four years. The bullets highlight items that may positively impact the stock, then neutral, then negative.

  • Net income steady and improving: Q1 2026 net income (continuing operations) was $22.27 million, continuing a pattern of solid quarterly profitability and topping prior quarters in this period.
  • Strong operating cash flow: Net cash from continuing operating activities was $58.75 million in Q1 2026, showing robust cash generation from core operations.
  • Stable top-line revenue: Total revenue for Q1 2026 was about $83.73 million, indicating sustained and healthy revenue generation relative to recent periods.
  • Healthy loan portfolio: Loans and Leases, net of Allowance, stood around $15.36 billion in Q1 2026, reflecting a sizeable, well-positioned loan book with ongoing growth potential.
  • Solid common equity base: Total Common Equity near $1.90 billion, supporting capital adequacy and potential for future growth or returns.
  • Liquidity via trading securities: Trading Account Securities around $454.5 million provide liquidity and diversification within TFSL's asset mix.
  • Dividend per share: Cash dividends per share are $0.2825, signaling a continued payout approach that may be appealing to income-focused investors.
  • Net interest income remains robust: Net Interest Income approximately $75.68 million in Q1 2026, indicating continued strength in core lending and funding activities.
  • Total assets trend: Total assets hovered near $17.5 billion in recent quarters, indicating a stable balance sheet footprint over the period (neutral impact on investment decisions without additional context).
  • Deposits fluctuation and cash outflows in financing: Net change in deposits shows outflows in some periods (e.g., negative net changes in deposits in several quarters), contributing to negative financing activity in those periods.

Overall, TFS Financial appears to be generating steady earnings and cash flow, with a solid loan book and capitalization. Investors should watch deposit dynamics and any shifts in lending losses, but the trend in recent quarters has been broadly constructive for the stock.

05/14/26 10:06 AM ETAI Generated. May Contain Errors.

TFS Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, TFS Financial's fiscal year ends in September. Their fiscal year 2025 ended on September 30, 2025.

The last 5 years of TFS Financial's net income performance:
  • 2021: $81.01 million
  • 2022: $74.57 million
  • 2023: $75.25 million
  • 2024: $79.59 million
  • 2025: $90.96 million
Find out what analysts predict for TFS Financial in the coming months.

Over the last 10 years, TFS Financial's total revenue changed from $294.39 million in 2015 to $321.47 million in 2025, a change of 9.2%.

TFS Financial's total liabilities were at $15.56 billion at the end of 2025, a 2.2% increase from 2024, and a 46.3% increase since 2015.

In the past 10 years, TFS Financial's cash and equivalents has ranged from $18.96 million in 2022 to $35.24 million in 2017, and is currently $24.18 million as of their latest financial filing in 2025.

Over the last 10 years, TFS Financial's book value per share changed from 5.91 in 2015 to 6.75 in 2025, a change of 14.2%.


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Financial statements for NASDAQ:TFSL last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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