TFS Financial Corporation (TFSL)

TFS Financial Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Net Income	102.06	90.96	79.59	75.25	74.57	81.01
Depreciation & Amortization	25.09	23.05	19.03	18.12	27.04	32.57
Gain (Loss) on Sale of Assets	0.25	-0.02	0.37	-0.2	0.63	0.69
Provision for Credit Losses	-3.5	2.5	-1.5	-1.5	1	-9
Net Decrease (Increase) in Loans Originated / Sold - Operating	-10.92	-16.88	-17.26	-1.96	-24.67	-3.11
Accrued Interest Receivable	-8.36	1.04	-4.3	-39.36	-13.04	7.7
Change in Other Net Operating Assets	-12.55	-23.89	3.21	27.14	-9.59	6.93
Other Operating Activities	1.27	1.35	2.7	3.73	-26.88	-14.25
Operating Cash Flow	97.8	82.42	88.6	90.72	38.93	83.16
Operating Cash Flow Growth	180.69%	-6.98%	-2.34%	133.04%	-53.19%	-31.73%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Capital Expenditures	-11.53	-11.45	-3.06	-5.1	-2.7	-1.34
Sale of Property, Plant and Equipment	-	-	-	-	0.39	-
Investment in Securities	42.19	10	8.19	-61.1	-86.45	19.6
Net Decrease (Increase) in Loans Originated / Sold - Investing	-570.25	-378.78	-153.64	-910.41	-1,739	621.7
Other Investing Activities	-32.33	-3.94	22.66	-32.51	-48.23	-92.81
Investing Cash Flow	-571.46	-383.98	-124.71	-1,009	-1,875	547.36

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Short-Term Debt Issued	-	283	-	417	1,100	-
Long-Term Debt Issued	-	226.58	725	350	600	100
Total Debt Issued	1,348	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	-401.76	-427	-1,205	-302.98	-15.21	-534.11
Net Debt Issued (Repaid)	946.69	82.58	-480.38	464.02	1,685	-434.11
Repurchase of Common Stock	-8.73	-3.98	-1.93	-5.98	-6.29	-5.59
Common Dividends Paid	-59.81	-59.53	-58.95	-58.29	-58.3	-56.64
Net Increase (Decrease) in Deposit Accounts	-353.19	260.62	732.33	520.03	-72.51	-231.95
Other Financing Activities	65.05	-12.4	-157.99	95.31	169.71	88.07
Financing Cash Flow	590.02	267.28	33.08	1,015	1,717	-640.22

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Net Cash Flow	116.35	-34.28	-3.03	97.18	-118.76	-9.71

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Free Cash Flow	86.27	70.97	85.54	85.62	36.23	81.82
Free Cash Flow Growth	247.63%	-17.03%	-0.10%	136.33%	-55.72%	-31.01%
Free Cash Flow Margin	24.85%	22.25%	28.08%	27.93%	12.48%	27.65%
Free Cash Flow Per Share	0.31	0.25	0.31	0.31	0.13	0.29

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Cash Interest Paid	505.56	529.08	532.61	363.75	113.68	114.58
Cash Income Tax Paid	17.71	16.48	15.68	21.78	39.6	25.77

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: May 7, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 26, 2026

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