TFS Financial Corporation

TFSL | NASDAQ

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$16.89

+$0.07 (+0.42%)

Sep 22, 2026, 9:42 AM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $4.72B

Enterprise Value $4.21B

Beta 0.73

Average Volume 909.4K

Shares Outstanding (Diluted) 279.98M

Shares Change YoY 0.1%

Institutional Ownership 13.61%

Exchange NASDAQ

ISIN US87240R1077

Price Performance

Price Change 1M -4.2%

Price Change 3M -0.4%

Price Change 6M 22.8%

Price Change YTD 23.9%

Price Change 1Y 27.3%

Price Change 3Y 39.9%

Price Change 5Y -11.4%

1M CAGR (ann.) -2.6%

1Y CAGR (ann.) 36.1%

5Y CAGR (ann.) 5.6%

All-Time CAGR 6.0%

Valuation

PE Ratio 46.72

Forward PE 43.23

PEG Ratio 1.67

Forward PEG 5.53

PS Ratio 5.88

Forward PS 12.60

PB Ratio 2.41

P/FCF Ratio 57.34

P/Adj. FCF Ratio 65.93

P/OCF Ratio 48.06

EV/Sales 5.24

EV/EBIT 46.33

EV/EBITDA 16.40

EV/FCF 51.13

Earnings Yield 2.1%

FCF Yield 1.7%

Adj. FCF Yield 1.5%

Financial Health

Net Cash $511.05M

Total Debt $0

Cash & Short-Term Investments $511.05M

Total Assets $18.08B

Current Ratio 0.01

Quick Ratio 0.01

Debt / Equity Ratio 2.97

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage 0.25

Altman Z-Score -0.34

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 41.0%

Operating Profit Margin 4.0%

EBITDA Margin 18.4%

Net Profit Margin 12.5%

FCF Margin 10.3%

Adj. FCF Margin 8.9%

SBC / Revenue 1.4%

SBC Impact (per share) -13.0%

Returns

Return on Assets 0.6%

Return on Equity 5.3%

Return on Invested Capital 1.2%

Return on Capital Employed 1.5%

Return on Tangible Assets 0.6%

Historical Growth (CAGR)

Revenue CAGR 3Y 11.1%

Revenue CAGR 5Y 11.6%

Revenue CAGR 10Y 6.9%

EPS CAGR 3Y 7.5%

EPS CAGR 5Y 5.2%

EPS CAGR 10Y 2.5%

FCF CAGR 3Y 30.6%

FCF CAGR 5Y -3.9%

FCF CAGR 10Y -0.3%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 4

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 28, 2026

EPS Estimate (next Q) $0.09

EPS Growth Est (next Q) 0.0%

Revenue Est (next Q) $90.22M

Revenue Growth Est (next Q) 5.5%

Fair Value Estimates

Graham Number $7.52

Graham Upside -55.3%

Lynch Fair Value $1.85

Lynch Upside -89.0%

Price Target $20

Price Target Upside 18.9%

Cash Flow

Operating Cash Flow $92.04M

Free Cash Flow $82.26M

Adj. Free Cash Flow $71.54M

FCF Per Share $0.31

OCF Per Share $0.35

OCF/S Ratio 12.0%

Income Statement

Revenue $802.57M

Gross Profit $84.48M

Operating Income $32.44M

EBITDA $256.43M

Net Income $102.06M

EPS (Diluted) $0.36

Revenue / Employee $837.75K

Profit / Employee $106.53K

Employees 958

Dividends

Annual Dividend $1.17

Dividend Yield 6.96%

Payout Ratio 323.6%

FCF Payout Ratio 72.7%

Adj. FCF Payout Ratio 83.6%

Dividend Growth (YoY) 3.1%

Pay Frequency Quarterly

Ex-Dividend Date Sep 8, 2026