TFS Financial Corporation (TFSL)

TFS Financial Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Net Income	90.81	90.96	79.59	75.25	74.57	81.01
Depreciation & Amortization	24	23.05	19.03	18.12	27.04	32.57
Provision for Credit Losses	3	2.5	-1.5	-1.5	1	-9
Stock-Based Compensation	9.95	9.65	9.5	10	11.01	13.71
Net Change in Loans Held-for-Sale	-13.89	-16.88	-17.26	-1.96	-24.67	-3.11
Other Adjustments	-15.92	-14.67	-9.63	-6.32	-35.82	-54.62
Changes in Accrued Interest and Accounts Receivable	-2.61	1.04	-4.3	-39.36	-13.04	7.7
Changes in Accrued Expenses	0.29	-13.23	13.16	36.5	-1.16	14.9
Operating Cash Flow	95.62	82.42	88.6	90.72	38.93	83.16
Operating Cash Flow Growth	-2.25%	-6.98%	-2.34%	133.04%	-53.19%	-31.73%
Net Change in Loans Held-for-Investment	-740.68	-663.56	-279.83	-944.04	-1,826	-118
Net Change in Securities and Investments	67.06	10	8.19	-61.1	-86.45	19.6
Capital Expenditures	-12.48	-11.45	-3.06	-5.1	-2.7	-1.34
Sale of Property, Plant & Equipment	0.1	0.19	1.15	0.48	0.43	0.21
Other Investing Activities	318.81	280.84	148.84	1.13	39.83	646.89
Investing Cash Flow	-367.29	-383.98	-124.71	-1,009	-1,875	547.36
Net Change in Deposits	169.43	260.62	732.33	520.03	-72.51	-231.95
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	150	-225	725	-225	225	-
Net Short-Term Debt Issued (Repaid)	214	283	-777	417	875	-525
Long-Term Debt Issued	275	225	725	350	600	100
Long-Term Debt Repaid	-351.89	-427	-427.32	-77.88	-3.65	-4.69
Net Long-Term Debt Issued (Repaid)	-76.89	-202	297.68	272.12	596.35	95.31
Repurchase of Common Stock	-6.58	-3.98	-1.93	-5.98	-6.29	-5.59
Net Common Stock Issued (Repurchased)	-6.58	-3.98	-1.93	-5.98	-6.29	-5.59
Common Dividends Paid	-59.75	-59.53	-58.95	-58.29	-58.3	-56.64
Other Financing Activities	-128.15	-10.83	-159.05	95.21	158.15	83.65
Financing Cash Flow	262.44	267.28	33.08	1,015	1,717	-640.22
Net Cash Flow	-9.22	-34.28	-3.03	97.18	-118.76	-9.71
Free Cash Flow	83.14	70.97	85.54	85.62	36.23	81.82
Free Cash Flow Growth	17.16%	-17.03%	-0.10%	136.33%	-55.72%	-31.01%
FCF Margin	25.40%	22.25%	28.08%	27.94%	12.48%	27.65%
Free Cash Flow Per Share	0.30	0.25	0.31	0.31	0.13	0.29
Levered Free Cash Flow	237.11	171.37	-374.91	774.52	1,556	-294.85
Unlevered Free Cash Flow	9.19	-0.59	24.83	10.15	10.14	53.83

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q