TFS Financial Corporation (TFSL)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 296 | 287 | 291 | 305 | 303 | 321 | 336 | - |
| Operating profit | $m | 115 | 122 | ||||||
| Net profit | $m | 83 | 81 | 75 | 75 | 80 | 91 | 102 | 101 |
| EPS reported | $ | 0.32 | 0.36 | ||||||
| Operating cashflow per share | $ | 0.30 | 0.35 | ||||||
| Capex per share | $ | 0.04 | 0.04 | ||||||
| FCF per share | $ | 0.25 | 0.31 | ||||||
| Free cash flow | $m | 71 | 86 | ||||||
| Net debt | $m | 4,417 | 5,782 | ||||||
| Book value equity | $m | 1,894 | 1,957 | ||||||
| Book value per share | $ | 6.77 | 6.99 | ||||||
| Number of shares | m | 279.76 | 280.18 | ||||||
| DPS (TTM paid) | $ | 1.13 | 1.17 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 41.19 | 45.30 | ||||||
| P/B LTM | x | 1.94 | 1.88 | ||||||
| P/S LTM | x | 11.43 | 10.94 | ||||||
| P/FCF LTM | x | 51.76 | 42.58 | ||||||
| EV/EBITDA LTM | x | 59.12 | 54.10 | ||||||
| EV/Sales LTM | x | 10.28 | 12.98 | ||||||
| Earnings Yield LTM | % | +2.43% | +2.21% | ||||||
| FCF Yield | % | +1.93% | +2.35% | ||||||
| Quality | |||||||||
| ROE | % | +4.80% | +5.32% | ||||||
| ROIC | % | +1.30% | +0.53% | ||||||
| Operating margin | % | +14.48% | +14.86% | ||||||
| Gross margin | % | +40.28% | +41.05% | ||||||
| FCF/Sales | % | +8.96% | +10.55% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +14.29% | +28.57% | ||||||
| Sales Growth YoY | % | +6.04% | +10.78% | ||||||
| Net Income Growth YoY | % | +14.29% | +28.24% | ||||||
| FCF Growth | % | -17.03% | +0.86% | ||||||
| Operating Profit Growth | % | +14.36% | +21.18% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.62% | +6.55% | ||||||
| Dividend Growth | % | 0.00% | +3.10% | ||||||
| Payout Ratio | % | +66.50% | +58.66% | ||||||
| FCF/Debt | x | 0.01 | 0.01 | ||||||
| Net Debt/EBITDA | x | 32.46 | 38.41 | ||||||
| EBIT/Net interest | x | 0.24 | 0.25 | ||||||
| Net debt/market cap | % | +1.33% | +1.20% | ||||||
| Net debt/Equity | x | 2.33 | 2.95 | ||||||
| Gross debt/equity | x | 2.59 | 2.97 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
TFS Financial Corporation delivers a comprehensive array of retail banking solutions to individual consumers across the United States. The company's deposit offerings encompass savings, money market, and checking accounts, in addition to individual retirement accounts, various qualified retirement plans, and certificates of deposit. It also extends a range of lending products, such as residential real estate mortgages, construction financing, home equity loans and lines of credit, alongside options for home purchase mortgages and first mortgage refinancing. Furthermore, TFS Financial provides escrow and settlement services. Established in 1938, the corporation is headquartered in Cleveland, Ohio, where its main office is located. Its operations are further supported by 37 full-service branches and 7 loan production offices distributed throughout Ohio and Florida. TFS Financial Corporation functions as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
TFS Financial Corporation (TFSL)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
TFS Financial Corporation delivers a comprehensive array of retail banking solutions to individual consumers across the United States. The company's deposit offerings encompass savings, money market, and checking accounts, in addition to individual retirement accounts, various qualified retirement plans, and certificates of deposit. It also extends a range of lending products, such as residential real estate mortgages, construction financing, home equity loans and lines of credit, alongside options for home purchase mortgages and first mortgage refinancing. Furthermore, TFS Financial provides escrow and settlement services. Established in 1938, the corporation is headquartered in Cleveland, Ohio, where its main office is located. Its operations are further supported by 37 full-service branches and 7 loan production offices distributed throughout Ohio and Florida. TFS Financial Corporation functions as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
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