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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $4.62M | $4.62M | $4.92M | $5.39M | $5.42M | $5.43M |
| Operating Income | $114.72M | $100.31M | $100.09M | $92.05M | $100.09M | $100.25M |
| Interest Expense | - | - | $328.35M | $141.94M | $157.72M | $213.03M |
| Income Tax | $23.76M | $20.73M | $18.12M | $17.49M | $19.09M | $16.93M |
| Net Income | $90.96M | $79.59M | $75.25M | $74.56M | $81.01M | $83.32M |
| EPS - Basic | $0.32 | $0.28 | $0.27 | $0.26 | $0.29 | $0.30 |
| EPS - Diluted | $0.32 | $0.28 | $0.26 | $0.26 | $0.29 | $0.29 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $429.44M | $463.72M | $466.75M | $369.56M | $488.33M | $498.03M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $17.46B | $17.09B | $16.92B | $15.79B | $14.06B | $14.64B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $15.56B | $15.23B | $14.99B | $13.95B | $12.33B | $12.97B |
| Stockholders' Equity | $1.89B | $1.86B | $1.93B | $1.84B | $1.73B | $1.67B |
| Retained Earnings | $946.78M | $915.49M | $886.98M | $870.05M | $853.66M | $865.51M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $82.42M | $88.60M | $90.72M | $38.93M | $83.16M | $121.80M |
| Investing Cash Flow | ($383.98M) | ($124.71M) | ($1.01B) | ($1.88B) | $547.36M | $147.58M |
| Financing Cash Flow | $267.28M | $33.08M | $1.02B | $1.72B | ($640.22M) | ($46.48M) |
| CapEx | $11.45M | $3.06M | $5.10M | $2.70M | $1.34M | $3.21M |
| Free Cash Flow | $70.97M | $85.54M | $85.62M | $36.23M | $81.82M | $118.59M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 0.78 | 1.07 | 1.14 | 0.49 | 1.01 | 1.42 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.7% | 20.7% | 19.4% | 19.0% | 19.1% | 16.9% |
| Return on assets | 0.5% | 0.5% | 0.4% | 0.5% | 0.6% | 0.6% |
| Return on equity | 4.8% | 4.3% | 3.9% | 4.0% | 4.7% | 5.0% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.3x | 0.6x | 0.6x | 0.5x |
| Equity multiplier | 9.22 | 9.18 | 8.78 | 8.56 | 8.11 | 8.76 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.88 | 0.88 | 0.89 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 41.2x | 45.9x | 45.5x | 50.0x | 65.7x | 50.7x |
| P / B | 1.9x | 1.9x | 1.7x | 2.0x | 3.1x | 2.4x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 27.3x | 29.8x | 26.9x | 33.4x | 45.7x | 33.9x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 14.4% | 0.2% | 8.7% | -8.0% | -0.2% | -1.9% |
| Net income growth (YoY) | 14.3% | 5.8% | 0.9% | -8.0% | -2.8% | 3.8% |
| EPS growth (YoY) | 14.3% | 7.7% | 0.0% | -10.3% | 0.0% | 3.6% |
| EPS CAGR (3y) | 7.2% | -1.2% | -3.6% | -2.4% | -1.1% | -3.2% |
| EPS CAGR (5y) | 2.0% | 0.0% | -2.8% | -4.1% | 0.7% | 3.0% |
| FCF growth (YoY) | -17.0% | -0.1% | 136.3% | -55.7% | -31.0% | 19.5% |
| FCF CAGR (5y) | -9.8% | -2.9% | -9.2% | -19.1% | 1.5% | 4.2% |
| Book value growth (YoY) | 1.7% | -3.4% | 4.5% | 6.5% | 3.6% | -1.5% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |