TFS Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . TFS Financial
TFSL Stock  USD 13.38  0.01  0.07%   
TFS Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing TFS Financial's valuation are provided below:
Gross Profit
319 M
Profit Margin
0.2852
Market Capitalization
3.8 B
Enterprise Value Revenue
26.9279
Revenue
319 M
There are over one hundred nineteen available fundamental trend indicators for TFS Financial, which can be analyzed over time and compared to other ratios. We recommend to double-check TFS Financial's current fundamental drivers against the all of the trends between 2010 and 2026. The value of Market Cap is estimated to slide to about 2.8 B. The Enterprise Value is projected to slide to about 4.1 B

TFS Financial Total Revenue

500.42 Million

Check TFS Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among TFS Financial's main balance sheet or income statement drivers, such as Interest Expense of 242 M, Total Revenue of 500.4 M or Gross Profit of 267.4 M, as well as many indicators such as Price To Sales Ratio of 6.36, Dividend Yield of 0.017 or PTB Ratio of 2.64. TFS financial statements analysis is a perfect complement when working with TFS Financial Valuation or Volatility modules.
  
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Check out the analysis of TFS Financial Correlation against competitors.
For more information on how to buy TFS Stock please use our How to buy in TFS Stock guide.

TFS Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets13.7 B17.5 B13.8 B
Slightly volatile
Short and Long Term Debt Total2.5 B4.9 B3 B
Slightly volatile
Other Current Liabilities9.4 B10.4 B8.9 B
Slightly volatile
Total Current Liabilities9.4 B10.4 B8.9 B
Slightly volatile
Total Stockholder Equity1.8 B1.9 B1.7 B
Slightly volatile
Cash356 M429.4 M338.6 M
Slightly volatile
Non Current Assets Total13 B16.9 B12.9 B
Slightly volatile
Non Currrent Assets Other425.4 M674.1 M569.9 M
Pretty Stable
Cash And Short Term Investments672.8 M483.5 M771.5 M
Slightly volatile
Common Stock Shares Outstanding312.1 M279.8 M287 M
Slightly volatile
Liabilities And Stockholders Equity13.7 B17.5 B13.8 B
Slightly volatile
Non Current Liabilities Total5.4 B5.1 B3.3 B
Slightly volatile
Other Stockholder Equity849 M965.1 M1 B
Slightly volatile
Total Liabilities11.9 B15.6 B12 B
Slightly volatile
Total Current Assets713.4 M546 M809.2 M
Slightly volatile
Other Assets1.8 B1.9 B7.9 B
Slightly volatile
Other Liabilities131.6 M105.5 M129.1 M
Slightly volatile
Property Plant And Equipment Net46.1 M40 M52.6 M
Slightly volatile
Retained Earnings716.6 M946.8 M734.1 M
Slightly volatile
Accounts Payable14 M14.7 M446.2 M
Slightly volatile
Long Term Debt2.6 B4.9 B2.9 B
Slightly volatile
Net Receivables44.4 M62.6 M40.3 M
Slightly volatile
Short Term Investments51.3 M54 M421.8 M
Pretty Stable
Property Plant And Equipment Gross92.1 M156.4 M89.7 M
Slightly volatile
Intangible Assets16.3 M8.5 M11.5 M
Slightly volatile
Property Plant Equipment54.3 M31.1 M58.3 M
Slightly volatile
Common Stock Total Equity2.7 M3 M3.3 M
Slightly volatile
Common Stock2.7 M3 M3.3 M
Slightly volatile
Net Tangible Assets1.4 B1.7 B1.7 B
Slightly volatile
Retained Earnings Total Equity733.7 M1 B742.6 M
Slightly volatile
Long Term Debt Total899.7 M856.9 M703.5 M
Slightly volatile
Capital Surpluse1.9 B2 B1.8 B
Slightly volatile
Long Term Investments494.6 M520.7 M6.6 B
Slightly volatile
Non Current Liabilities Other8.8 B15.9 B10.1 B
Slightly volatile
Short Term Debt1.8 B1.2 B1.6 B
Pretty Stable
Other Current Assets454 M477.9 M5.7 B
Slightly volatile
Short and Long Term Debt288.7 M303.9 M817.5 M
Slightly volatile
Earning Assets925.8 M1 B862.5 M
Slightly volatile
Net Invested Capital6.6 B6.8 B5.8 B
Slightly volatile
Capital Stock2.7 M3 M3.3 M
Slightly volatile

TFS Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense242 M470.5 M214.4 M
Slightly volatile
Total Revenue500.4 M792 M453.5 M
Slightly volatile
Gross Profit267.4 M319 M272.8 M
Slightly volatile
Other Operating Expenses422.3 M677.2 M377.5 M
Slightly volatile
Operating Income81.3 M114.7 M112.6 M
Slightly volatile
EBIT81.3 M114.7 M112.6 M
Slightly volatile
EBITDA94.7 M137.8 M132.1 M
Slightly volatile
Cost Of Revenue496.6 M473 M237.2 M
Slightly volatile
Income Before Tax87.2 M114.7 M93.8 M
Slightly volatile
Net Income63.2 M91 M69.4 M
Slightly volatile
Income Tax Expense20.4 M23.8 M24.2 M
Very volatile
Depreciation And Amortization21.9 M23 M22.3 M
Slightly volatile
Selling General Administrative112.5 M119 M108.9 M
Slightly volatile
Selling And Marketing Expenses16.7 M18.6 M17.3 M
Slightly volatile
Net Income Applicable To Common Shares61.2 M85.7 M71.2 M
Slightly volatile
Net Income From Continuing Ops100.6 M91 M97.2 M
Pretty Stable
Tax Provision21.6 M23.8 M29.1 M
Slightly volatile
Net Interest Income296.2 M292.7 M271.2 M
Pretty Stable
Interest Income546.9 M763.2 M471.9 M
Slightly volatile
Reconciled Depreciation19.7 M23 M22.9 M
Pretty Stable

TFS Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation21.5 M23 M21.7 M
Slightly volatile
Capital Expenditures12 M11.5 M5.4 M
Slightly volatile
Net Income65.2 M91 M71.6 M
Slightly volatile
End Period Cash Flow353.6 M429.4 M296.5 M
Slightly volatile
Stock Based Compensation9.8 M9.6 M10.3 M
Very volatile
Begin Period Cash Flow353 M463.7 M294.2 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio6.364.63858.6275
Slightly volatile
Dividend Yield0.0170.01620.0093
Slightly volatile
PTB Ratio2.641.93962.4686
Slightly volatile
Days Sales Outstanding23.2528.829528.9196
Pretty Stable
Book Value Per Share4.636.79435.9716
Slightly volatile
Stock Based Compensation To Revenue0.01160.01220.0235
Slightly volatile
Capex To Depreciation0.330.49690.2536
Very volatile
PB Ratio2.641.93962.4686
Slightly volatile
EV To Sales9.0510.245813.7357
Very volatile
ROIC0.01840.01110.015
Pretty Stable
Net Income Per Share0.170.32640.2434
Slightly volatile
Payables Turnover30.5332.1322108
Slightly volatile
Sales General And Administrative To Revenue0.170.15030.2215
Slightly volatile
Capex To Revenue0.00760.01450.0096
Pretty Stable
Cash Per Share1.741.73472.6882
Slightly volatile
Interest Coverage0.350.24380.5596
Pretty Stable
Payout Ratio0.50.65450.4521
Slightly volatile
Days Payables Outstanding11.9311.35936.927
Slightly volatile
ROE0.02910.0480.0396
Slightly volatile
PE Ratio38.3740.38671.5568
Slightly volatile
Return On Tangible Assets0.00360.00520.0049
Pretty Stable
Earnings Yield0.0260.02480.0176
Slightly volatile
Intangibles To Total Assets9.0E-45.0E-49.0E-4
Slightly volatile
Current Ratio0.05930.05230.0898
Very volatile
Tangible Book Value Per Share4.616.76365.9402
Slightly volatile
Receivables Turnover13.8812.660612.5976
Pretty Stable
Graham Number3.987.06375.6209
Slightly volatile
Shareholders Equity Per Share4.636.79525.9765
Slightly volatile
Debt To Equity2.72.57151.7704
Slightly volatile
Capex Per Share0.04310.04110.0191
Slightly volatile
Revenue Per Share2.982.84151.821
Slightly volatile
Interest Debt Per Share20.1219.161812.1798
Slightly volatile
Debt To Assets0.290.2790.2111
Slightly volatile
Enterprise Value Over EBITDA48.0670.73462.3057
Pretty Stable
Short Term Coverage Ratios0.05480.06160.0672
Slightly volatile
Price Earnings Ratio38.3740.38671.5568
Slightly volatile
Operating Cycle23.2528.829528.9196
Pretty Stable
Price Book Value Ratio2.641.93962.4686
Slightly volatile
Days Of Payables Outstanding11.9311.35936.927
Slightly volatile
Dividend Payout Ratio0.50.65450.4521
Slightly volatile
Pretax Profit Margin0.140.14480.194
Very volatile
Operating Profit Margin0.140.14480.194
Very volatile
Effective Tax Rate0.310.20710.2543
Slightly volatile
Company Equity Multiplier6.29.2177.9653
Pretty Stable
Long Term Debt To Capitalization0.760.72130.5817
Slightly volatile
Total Debt To Capitalization0.760.720.5816
Slightly volatile
Return On Capital Employed0.02620.01640.0208
Slightly volatile
Debt Equity Ratio2.72.57151.7704
Slightly volatile
Ebit Per Revenue0.140.14480.194
Very volatile
Quick Ratio0.05930.05230.0898
Very volatile
Net Income Per E B T0.580.79290.7388
Pretty Stable
Cash Ratio0.02980.04110.0374
Slightly volatile
Cash Conversion Cycle26.7917.470223.045
Slightly volatile
Days Of Sales Outstanding23.2528.829528.9196
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio1.060.8610.9599
Pretty Stable
Price To Book Ratio2.641.93962.4686
Slightly volatile
Fixed Asset Turnover21.6120.5811.4069
Slightly volatile
Enterprise Value Multiple48.0670.73462.3057
Pretty Stable
Debt Ratio0.290.2790.2111
Slightly volatile
Price Sales Ratio6.364.63858.6275
Slightly volatile
Return On Assets0.00360.00520.0049
Pretty Stable
Asset Turnover0.04470.04540.0363
Pretty Stable
Net Profit Margin0.0960.11490.1416
Very volatile
Gross Profit Margin0.40.40280.557
Very volatile
Price Fair Value2.641.93962.4686
Slightly volatile
Return On Equity0.02910.0480.0396
Slightly volatile

TFS Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap2.8 B3.3 B3.6 B
Slightly volatile
Enterprise Value4.1 B7.3 B7.5 B
Very volatile

TFS Fundamental Market Drivers

TFS Upcoming Events

25th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About TFS Financial Financial Statements

TFS Financial investors utilize fundamental indicators, such as revenue or net income, to predict how TFS Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue-1.6 B-1.7 B
Total Revenue792 M500.4 M
Cost Of Revenue473 M496.6 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.15  0.17 
Capex To Revenue 0.01  0.01 
Revenue Per Share 2.84  2.98 
Ebit Per Revenue 0.14  0.14 

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When determining whether TFS Financial is a strong investment it is important to analyze TFS Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact TFS Financial's future performance. For an informed investment choice regarding TFS Stock, refer to the following important reports:
How To Invest In TFS
Details
Is TFS Stock a good investment?
Details
What is TFS Financial's Net Worth?
Details
Largest Regional Banks Companies
View
Largest Banks - Regional Companies
View
Check out the analysis of TFS Financial Correlation against competitors.
For more information on how to buy TFS Stock please use our How to buy in TFS Stock guide.
You can also try the Portfolio Rebalancing module to analyze risk-adjusted returns against different time horizons to find asset-allocation targets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of TFS Financial. If investors know TFS will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about TFS Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.5
Dividend Share
1.13
Earnings Share
0.32
Revenue Per Share
1.144
Quarterly Revenue Growth
0.14
The market value of TFS Financial is measured differently than its book value, which is the value of TFS that is recorded on the company's balance sheet. Investors also form their own opinion of TFS Financial's value that differs from its market value or its book value, called intrinsic value, which is TFS Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because TFS Financial's market value can be influenced by many factors that don't directly affect TFS Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
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Beneish
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Buy or Sell
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Please note, there is a significant difference between TFS Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if TFS Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, TFS Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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