TFS Financial Cash Flow Statement

Financials in millions USD. Fiscal year is October - September.

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Net Income	90.96	79.59	75.25	74.57	81.01
Depreciation & Amortization	23.05	19.03	18.12	27.04	32.57
Gain (Loss) on Sale of Assets	-0.02	0.37	-0.2	0.63	0.69
Provision for Credit Losses	2.5	-1.5	-1.5	1	-9
Net Decrease (Increase) in Loans Originated / Sold - Operating	-16.88	-17.26	-1.96	-24.67	-3.11
Accrued Interest Receivable	1.04	-4.3	-39.36	-13.04	7.7
Change in Other Net Operating Assets	-23.89	3.21	27.14	-9.59	6.93
Other Operating Activities	1.35	2.7	3.73	-26.88	-14.25
Operating Cash Flow	82.42	88.6	90.72	38.93	83.16
Operating Cash Flow Growth	-6.98%	-2.34%	133.04%	-53.19%	-31.73%
Capital Expenditures	-11.45	-3.06	-5.1	-2.7	-1.34
Sale of Property, Plant and Equipment	-	-	-	0.39	-
Investment in Securities	10	8.19	-61.1	-86.45	19.6
Net Decrease (Increase) in Loans Originated / Sold - Investing	-378.78	-153.64	-910.41	-1,739	621.7
Other Investing Activities	-3.94	22.66	-32.51	-48.23	-92.81
Investing Cash Flow	-383.98	-124.71	-1,009	-1,875	547.36
Short-Term Debt Issued	283	-	417	1,100	-
Long-Term Debt Issued	226.58	725	350	600	100
Total Debt Issued	509.58	725	767	1,700	100
Short-Term Debt Repaid	-	-777	-225	-	-525
Long-Term Debt Repaid	-427	-428.38	-77.98	-15.21	-9.11
Total Debt Repaid	-427	-1,205	-302.98	-15.21	-534.11
Net Debt Issued (Repaid)	82.58	-480.38	464.02	1,685	-434.11
Repurchase of Common Stock	-3.98	-1.93	-5.98	-6.29	-5.59
Common Dividends Paid	-59.53	-58.95	-58.29	-58.3	-56.64
Net Increase (Decrease) in Deposit Accounts	260.62	732.33	520.03	-72.51	-231.95
Other Financing Activities	-12.4	-157.99	95.31	169.71	88.07
Financing Cash Flow	267.28	33.08	1,015	1,717	-640.22
Net Cash Flow	-34.28	-3.03	97.18	-118.76	-9.71
Free Cash Flow	70.97	85.54	85.62	36.23	81.82
Free Cash Flow Growth	-17.03%	-0.10%	136.33%	-55.72%	-31.01%
Free Cash Flow Margin	22.25%	28.08%	27.93%	12.48%	27.65%
Free Cash Flow Per Share	0.25	0.31	0.31	0.13	0.29
Cash Interest Paid	529.08	532.61	363.75	113.68	114.58
Cash Income Tax Paid	16.48	15.68	21.78	39.6	25.77

Source: S&P Global Market Intelligence. Banks template. Financial Sources.