TFSL · Tfs Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q2 '26 | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $29.84M | $28.50M | $27.36M | $26.53M | $28.39M | $25.23M | $25.90M | $26.13M | $21.75M | $20.02M |
| Interest Expense | - | - | - | - | - | $115.63M | $112.11M | $108.07M | $87.88M | $78.28M |
| Income Tax | $6.60M | $6.22M | $5.84M | $5.51M | $5.96M | $5.28M | $5.19M | $5.42M | $4.14M | $4.12M |
| Net Income | $23.25M | $22.27M | $21.51M | $21.02M | $22.43M | $19.95M | $20.71M | $20.71M | $17.60M | $15.91M |
| EPS - Basic | $0.08 | $0.08 | $0.08 | $0.07 | $0.08 | $0.07 | $0.07 | $0.07 | $0.06 | $0.06 |
| EPS - Diluted | $0.08 | $0.08 | $0.08 | $0.07 | $0.08 | $0.07 | $0.07 | $0.07 | $0.06 | $0.06 |
Balance Sheet
| Line item | Q2 '26 | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $437.28M | $456.71M | $429.44M | $463.58M | $465.93M | $463.72M | $594.33M | $551.77M | $466.75M | $421.13M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $17.48B | $17.50B | $17.46B | $17.11B | $17.06B | $17.09B | $17.02B | $17.05B | $16.92B | $16.26B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $15.56B | $15.60B | $15.56B | $15.22B | $15.14B | $15.23B | $15.11B | $15.19B | $14.99B | $14.43B |
| Stockholders' Equity | $1.92B | $1.90B | $1.89B | $1.90B | $1.91B | $1.86B | $1.91B | $1.87B | $1.93B | $1.83B |
| Retained Earnings | $962.21M | $954.16M | $946.78M | $929.20M | $923.14M | $915.49M | $906.91M | $900.97M | $886.98M | $879.05M |
Cash Flow
| Line item | Q2 '26 | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | $58.75M | - | - | $45.55M | - | - | $36.33M | - | - |
| Investing Cash Flow | - | $13.97M | - | - | ($2.73M) | - | - | ($41.84M) | - | - |
| Financing Cash Flow | - | ($45.45M) | - | - | ($40.61M) | - | - | $90.53M | - | - |
| CapEx | - | $1.66M | - | - | $637.0K | - | - | $703.0K | - | - |
| Free Cash Flow | - | $57.09M | - | - | $44.91M | - | - | $35.62M | - | - |
Ratios
| Metric | Q2 '26 | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | 2.56 | - | - | 2.00 | - | - | 1.72 | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 22.1% | 21.8% | 21.4% | 20.8% | 21.0% | 20.9% | 20.0% | 20.8% | 19.0% | 20.6% |
| Return on assets | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| Return on equity | 1.2% | 1.2% | 1.1% | 1.1% | 1.2% | 1.1% | 1.1% | 1.1% | 0.9% | 0.9% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | 0.2x | 0.2x | 0.2x | 0.2x | 0.3x |
| Equity multiplier | 9.09 | 9.21 | 9.22 | 9.02 | 8.91 | 9.18 | 8.92 | 9.14 | 8.78 | 8.86 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 175.6x | 167.3x | 164.8x | 177.0x | 157.0x | 183.7x | 179.4x | 209.9x | 197.0x | 210.5x |
| P / B | 2.0x | 2.0x | 1.9x | 1.8x | 1.8x | 1.9x | 1.8x | 2.2x | 1.7x | 1.9x |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 12.5% | 0.4% | 8.4% | 2.4% | 8.6% | 16.0% | 29.4% | -7.1% | 2.5% | 3.4% |
| Net income growth (YoY) | 10.6% | -0.7% | 7.8% | 1.5% | 8.3% | 13.3% | 30.2% | -6.7% | 2.7% | 0.4% |
| EPS growth (YoY) | 14.3% | 0.0% | 14.3% | 0.0% | 14.3% | 16.7% | 16.7% | -12.5% | 0.0% | 0.0% |
| EPS CAGR (3y) | 10.1% | 0.0% | 10.1% | 5.3% | 10.1% | 5.3% | -4.4% | -8.0% | -15.7% | 0.0% |
| EPS CAGR (5y) | 0.0% | -2.3% | -4.4% | 3.1% | -2.3% | 3.1% | 0.0% | 0.0% | -3.0% | -5.6% |
| FCF growth (YoY) | - | 27.1% | - | - | 26.1% | - | - | -53.6% | - | - |
| FCF CAGR (5y) | - | 19.3% | - | - | 9.3% | - | - | - | - | - |
| Book value growth (YoY) | 1.4% | -0.7% | 1.7% | -0.6% | 2.5% | -3.4% | 4.0% | 0.9% | 4.5% | 2.2% |
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing TFS Financial CORP against the 5 most active filers in the same SIC group.
Dividends
$1.13/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| Mar 11, 2026 | $0.2830 |
| Dec 2, 2025 | $0.2830 |
| Sep 10, 2025 | $0.2830 |
| Jun 10, 2025 | $0.2830 |
| Mar 6, 2025 | $0.2830 |
| Dec 3, 2024 | $0.2830 |
| Sep 10, 2024 | $0.2830 |
| Jun 11, 2024 | $0.2830 |
| Mar 6, 2024 | $0.2830 |
| Nov 28, 2023 | $0.2830 |
| Sep 11, 2023 | $0.2830 |
| May 26, 2023 | $0.2830 |
| Mar 6, 2023 | $0.2830 |
| Nov 28, 2022 | $0.2830 |
| Sep 2, 2022 | $0.2830 |
| Jun 6, 2022 | $0.2830 |
| Mar 7, 2022 | $0.2830 |
| Nov 29, 2021 | $0.2830 |
| Sep 3, 2021 | $0.2830 |
| Jun 7, 2021 | $0.2800 |
| Mar 8, 2021 | $0.2800 |
| Nov 30, 2020 | $0.2800 |
| Sep 8, 2020 | $0.2800 |
| Jun 8, 2020 | $0.2800 |