TFS Financial Corporation (TFSL)

TFS Financial Statistics

Total Valuation

TFS Financial has a market cap or net worth of $3.84 billion. The enterprise value is $8.31 billion.

Market Cap	3.84B
Enterprise Value	8.31B

Important Dates

The last earnings date was Thursday, October 30, 2025, after market close.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	Sep 10, 2025

Share Statistics

TFS Financial has 278.74 million shares outstanding. The number of shares has increased by 0.22% in one year.

Current Share Class	278.74M
Shares Outstanding	278.74M
Shares Change (YoY)	+0.22%
Shares Change (QoQ)	+0.01%
Owned by Insiders (%)	0.49%
Owned by Institutions (%)	10.90%
Float	50.24M

Valuation Ratios

The trailing PE ratio is 43.09 and the forward PE ratio is 38.31.

PE Ratio	43.09
Forward PE	38.31
PS Ratio	12.05
Forward PS	10.93
PB Ratio	2.03
P/TBV Ratio	2.03
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	91.41
EV / Sales	26.07
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 4.84%.

Return on Equity (ROE)	4.84%
Return on Assets (ROA)	0.53%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$347,088
Profits Per Employee	$98,976
Employee Count	919
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, TFS Financial has paid $23.76 million in taxes.

Income Tax	23.76M
Effective Tax Rate	20.71%

Stock Price Statistics

The stock price has decreased by -2.41% in the last 52 weeks. The beta is 0.75, so TFS Financial's price volatility has been lower than the market average.

Beta (5Y)	0.75
52-Week Price Change	-2.41%
50-Day Moving Average	13.39
200-Day Moving Average	13.07
Relative Strength Index (RSI)	56.91
Average Volume (20 Days)	453,417

Short Selling Information

The latest short interest is 4.26 million, so 1.53% of the outstanding shares have been sold short.

Short Interest	4.26M
Short Previous Month	3.94M
Short % of Shares Out	1.53%
Short % of Float	8.47%
Short Ratio (days to cover)	10.32

Income Statement

In the last 12 months, TFS Financial had revenue of $318.97 million and earned $90.96 million in profits. Earnings per share was $0.32.

Revenue	318.97M
Gross Profit	318.97M
Operating Income	128.88M
Pretax Income	114.72M
Net Income	90.96M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.32

Balance Sheet

The company has $429.44 million in cash and $4.90 billion in debt, giving a net cash position of -$4.47 billion or -$16.04 per share.

Cash & Cash Equivalents	429.44M
Total Debt	4.90B
Net Cash	-4.47B
Net Cash Per Share	-$16.04
Equity (Book Value)	1.89B
Book Value Per Share	6.79
Working Capital	-10.25B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	40.40%
Pretax Margin	35.96%
Profit Margin	28.52%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.13, which amounts to a dividend yield of 8.19%.

Dividend Per Share	$1.13
Dividend Yield	8.19%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	353.13%
Buyback Yield	-0.22%
Shareholder Yield	7.97%
Earnings Yield	2.37%
FCF Yield	n/a

Analyst Forecast

The average price target for TFS Financial is $15.00, which is 8.77% higher than the current price. The consensus rating is "Hold".

Price Target	$15.00
Price Target Difference	8.77%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2