TFS Financial Corporation (TFSL)

TFS Financial Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Net Income	-	79.59	75.25	74.57	81.01	83.32
Depreciation & Amortization	-	19.03	18.12	27.04	32.57	32.82
Gain (Loss) on Sale of Assets	-	0.37	-0.2	0.63	0.69	-5.62
Provision for Credit Losses	-	-1.5	-1.5	1	-9	3
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-17.26	-1.96	-24.67	-3.11	2.14
Accrued Interest Receivable	-	-4.3	-39.36	-13.04	7.7	-17.97
Change in Other Net Operating Assets	-	3.21	27.14	-9.59	6.93	18.63
Other Operating Activities	-	2.7	3.73	-26.88	-14.25	21.8
Operating Cash Flow	-	88.6	90.72	38.93	83.16	121.8
Operating Cash Flow Growth	-	-2.34%	133.04%	-53.19%	-31.73%	18.25%
Capital Expenditures	-	-3.06	-5.1	-2.7	-1.34	-3.21
Sale of Property, Plant and Equipment	-	-	-	0.39	-	23.92
Investment in Securities	-	8.19	-61.1	-86.45	19.6	97.1
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-153.64	-910.41	-1,739	621.7	60.1
Other Investing Activities	-	22.66	-32.51	-48.23	-92.81	-34.01
Investing Cash Flow	-	-124.71	-1,009	-1,875	547.36	147.58
Short-Term Debt Issued	-	-	417	1,100	-	-
Long-Term Debt Issued	-	725	350	600	100	262.99
Total Debt Issued	-	725	767	1,700	100	262.99
Short-Term Debt Repaid	-	-777	-225	-	-525	-281.13
Long-Term Debt Repaid	-	-428.38	-77.98	-15.21	-9.11	-350.11
Total Debt Repaid	-	-1,205	-302.98	-15.21	-534.11	-631.24
Net Debt Issued (Repaid)	-	-480.38	464.02	1,685	-434.11	-368.25
Repurchase of Common Stock	-	-1.93	-5.98	-6.29	-5.59	-2.32
Common Dividends Paid	-	-58.95	-58.29	-58.3	-56.64	-55.47
Net Increase (Decrease) in Deposit Accounts	-	732.33	520.03	-72.51	-231.95	459.17
Other Financing Activities	-	-157.99	95.31	169.71	88.07	-79.62
Financing Cash Flow	-	33.08	1,015	1,717	-640.22	-46.48
Net Cash Flow	-	-3.03	97.18	-118.76	-9.71	222.89
Free Cash Flow	-	85.54	85.62	36.23	81.82	118.59
Free Cash Flow Growth	-	-0.10%	136.33%	-55.72%	-31.01%	19.52%
Free Cash Flow Margin	-	28.08%	27.93%	12.48%	27.65%	40.54%
Free Cash Flow Per Share	-	0.31	0.31	0.13	0.29	0.43
Cash Interest Paid	-	532.61	363.75	113.68	114.58	213
Cash Income Tax Paid	-	15.68	21.78	39.6	25.77	1.67

Updated Jul 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q