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
Gain (Loss) on Sale of Assets	0.1	-0.02	0.37	-0.2	0.63	0.69
Provision for Credit Losses	3	2.5	-1.5	-1.5	1	-9
Net Decrease (Increase) in Loans Originated / Sold - Operating	-13.89	-16.88	-17.26	-1.96	-24.67	-3.11
Accrued Interest Receivable	-2.61	1.04	-4.3	-39.36	-13.04	7.7
Change in Other Net Operating Assets	-10.43	-23.89	3.21	27.14	-9.59	6.93
Other Operating Activities	1.26	1.35	2.7	3.73	-26.88	-14.25
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%
Capital Expenditures	-12.48	-11.45	-3.06	-5.1	-2.7	-1.34
Sale of Property, Plant and Equipment	-	-	-	-	0.39	-
Investment in Securities	67.06	10	8.19	-61.1	-86.45	19.6
Net Decrease (Increase) in Loans Originated / Sold - Investing	-414.22	-378.78	-153.64	-910.41	-1,739	621.7
Other Investing Activities	-7.65	-3.94	22.66	-32.51	-48.23	-92.81
Investing Cash Flow	-367.29	-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	669.84	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	-379.89	-427	-1,205	-302.98	-15.21	-534.11
Net Debt Issued (Repaid)	289.95	82.58	-480.38	464.02	1,685	-434.11
Repurchase of Common Stock	-6.2	-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
Net Increase (Decrease) in Deposit Accounts	169.43	260.62	732.33	520.03	-72.51	-231.95
Other Financing Activities	-130.99	-12.4	-157.99	95.31	169.71	88.07
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	-12.31%	-17.03%	-0.10%	136.33%	-55.72%	-31.01%
Free Cash Flow Margin	25.40%	22.25%	28.08%	27.93%	12.48%	27.65%
Free Cash Flow Per Share	0.30	0.25	0.31	0.31	0.13	0.29
Cash Interest Paid	520.27	529.08	532.61	363.75	113.68	114.58
Cash Income Tax Paid	16.57	16.48	15.68	21.78	39.6	25.77

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q