TFS Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . TFS Financial
TFSL Stock  USD 14.93  0.10  0.67%   
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
327.4 M
Profit Margin
0.2774
Market Capitalization
4.2 B
Enterprise Value Revenue
27.6748
Revenue
327.4 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 568.1 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 0.0075 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 B20.1 B14.1 B
Slightly volatile
Short and Long Term Debt Total5.9 B5.6 B3.4 B
Slightly volatile
Other Current Liabilities9.4 B12 B9.1 B
Slightly volatile
Total Current Liabilities9.4 B12 B9.1 B
Slightly volatile
Total Stockholder Equity1.8 B2.2 B1.8 B
Slightly volatile
Cash356 M493.9 M347.7 M
Slightly volatile
Non Current Assets Total13 B19.4 B13.3 B
Slightly volatile
Non Currrent Assets Other425.4 M606.7 M572 M
Pretty Stable
Cash And Short Term Investments672.8 M556 M758.8 M
Pretty Stable
Common Stock Shares Outstanding312.1 M321.7 M289.1 M
Very volatile
Liabilities And Stockholders Equity13.7 B20.1 B14.1 B
Slightly volatile
Non Current Liabilities Total6.2 B5.9 B3.5 B
Slightly volatile
Other Stockholder Equity849 M868.6 M1 B
Slightly volatile
Total Liabilities11.9 B17.9 B12.4 B
Slightly volatile
Total Current Assets713.4 M627.9 M798.5 M
Pretty Stable
Other Assets2.1 B2.2 B7.5 B
Pretty Stable
Other Liabilities131.6 M105.5 M128.4 M
Slightly volatile
Property Plant And Equipment Net46.1 M36 M51.7 M
Slightly volatile
Retained Earnings716.6 M1.1 B755 M
Slightly volatile
Accounts Payable12.6 M13.2 M420.7 M
Slightly volatile
Long Term Debt5.9 B5.6 B3.3 B
Slightly volatile
Net Receivables44.4 M71.9 M42.2 M
Slightly volatile
Short Term Investments59 M62.2 M401.1 M
Slightly volatile
Property Plant And Equipment Gross92.1 M179.9 M95 M
Slightly volatile
Intangible Assets7.3 M7.7 M10.7 M
Slightly volatile
Property Plant Equipment54.3 M31.1 M56.9 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 B750.1 M
Slightly volatile
Long Term Debt Total899.7 M856.9 M706 M
Slightly volatile
Capital Surpluse1.9 B2 B1.8 B
Slightly volatile
Long Term Investments445.2 M468.6 M6.2 B
Slightly volatile
Non Current Liabilities Other8.8 B15.9 B10.3 B
Slightly volatile
Short Term Debt1.8 B1.4 B1.6 B
Pretty Stable
Other Current Assets408.6 M430.1 M5.4 B
Slightly volatile
Short and Long Term Debt288.7 M303.9 M789.2 M
Slightly volatile
Earning Assets925.8 M1 B864.5 M
Slightly volatile
Net Invested Capital6.6 B7.8 B5.9 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 Expense568.1 M541.1 M252.8 M
Slightly volatile
Total Revenue500.4 M910.8 M480.4 M
Slightly volatile
Gross Profit267.4 M366.8 M278.3 M
Slightly volatile
Other Operating Expenses422.3 M778.8 M401.1 M
Slightly volatile
Operating Income81.3 M103.2 M112.1 M
Slightly volatile
EBIT81.3 M103.2 M112.1 M
Slightly volatile
EBITDA94.7 M124 M131.6 M
Slightly volatile
Cost Of Revenue447 M425.7 M245.3 M
Slightly volatile
Income Before Tax87.2 M131.9 M96.1 M
Slightly volatile
Net Income63.2 M104.6 M71.5 M
Slightly volatile
Income Tax Expense20.4 M27.3 M24.4 M
Very volatile
Depreciation And Amortization21.9 M26.5 M22.6 M
Slightly volatile
Selling General Administrative112.5 M136.9 M110.5 M
Slightly volatile
Selling And Marketing Expenses16.7 M21.4 M17.5 M
Slightly volatile
Net Income Applicable To Common Shares61.2 M85.7 M71.4 M
Slightly volatile
Net Income From Continuing Ops100.6 M104.6 M97.6 M
Pretty Stable
Tax Provision21.6 M21.4 M28.7 M
Slightly volatile
Net Interest Income296.2 M336.6 M275 M
Slightly volatile
Interest Income546.9 M877.7 M495.7 M
Slightly volatile
Reconciled Depreciation19.7 M20.7 M22.8 M
Very volatile

TFS Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation21.5 M26.5 M22 M
Slightly volatile
Capital Expenditures13.8 M13.2 M6 M
Slightly volatile
Net Income65.2 M104.6 M73.6 M
Slightly volatile
End Period Cash Flow353.6 M493.9 M308.1 M
Slightly volatile
Stock Based Compensation9.8 M8.7 M10.3 M
Very volatile
Begin Period Cash Flow353 M533.3 M308.2 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio6.364.178.3653
Slightly volatile
Dividend Yield0.00750.01460.0091
Slightly volatile
PTB Ratio2.642.232.4546
Slightly volatile
Days Sales Outstanding23.2525.9528.7449
Slightly volatile
Book Value Per Share4.636.125.9804
Slightly volatile
Stock Based Compensation To Revenue0.02670.0140.0238
Slightly volatile
Capex To Depreciation0.330.570.2722
Pretty Stable
PB Ratio2.642.232.4546
Slightly volatile
EV To Sales9.059.2613.4747
Very volatile
ROIC0.01850.01490.0151
Pretty Stable
Net Income Per Share0.170.290.2461
Slightly volatile
Payables Turnover35.136.95104
Slightly volatile
Sales General And Administrative To Revenue0.170.140.2167
Slightly volatile
Capex To Revenue0.00760.0130.0098
Pretty Stable
Cash Per Share1.741.562.6219
Very volatile
Interest Coverage0.350.220.5396
Slightly volatile
Payout Ratio0.50.590.4602
Slightly volatile
Days Payables Outstanding5.2710.226.729
Slightly volatile
ROE0.02910.04320.0398
Slightly volatile
PE Ratio44.1246.4470.4176
Slightly volatile
Return On Tangible Assets0.00360.00470.0049
Pretty Stable
Earnings Yield0.0120.02230.0171
Slightly volatile
Intangibles To Total Assets9.0E-46.0E-48.0E-4
Slightly volatile
Current Ratio0.05930.0470.0872
Pretty Stable
Tangible Book Value Per Share4.616.095.9491
Slightly volatile
Receivables Turnover13.8814.5612.713
Slightly volatile
Graham Number3.986.365.6643
Slightly volatile
Shareholders Equity Per Share4.636.125.9849
Slightly volatile
Debt To Equity2.452.331.7896
Slightly volatile
Capex Per Share0.03880.0370.0199
Slightly volatile
Revenue Per Share1.412.561.7722
Slightly volatile
Interest Debt Per Share18.2117.3412.3774
Slightly volatile
Debt To Assets0.130.250.2041
Slightly volatile
Enterprise Value Over EBITDA47.6653.2161.064
Pretty Stable
Price Earnings Ratio44.1246.4470.4176
Slightly volatile
Operating Cycle23.2525.9528.7449
Slightly volatile
Price Book Value Ratio2.642.232.4546
Slightly volatile
Days Of Payables Outstanding5.2710.226.729
Slightly volatile
Dividend Payout Ratio0.50.590.4602
Slightly volatile
Pretax Profit Margin0.140.130.1902
Pretty Stable
Operating Profit Margin0.140.130.1902
Pretty Stable
Effective Tax Rate0.310.240.2535
Slightly volatile
Company Equity Multiplier6.28.37.985
Pretty Stable
Long Term Debt To Capitalization0.360.650.5622
Slightly volatile
Total Debt To Capitalization0.360.650.5622
Slightly volatile
Return On Capital Employed0.02620.01880.0206
Slightly volatile
Debt Equity Ratio2.452.331.7896
Slightly volatile
Ebit Per Revenue0.140.130.1902
Pretty Stable
Quick Ratio0.05930.0470.0872
Pretty Stable
Net Income Per E B T0.580.710.7371
Very volatile
Cash Ratio0.02980.0370.0373
Pretty Stable
Cash Conversion Cycle26.7920.0922.8711
Slightly volatile
Days Of Sales Outstanding23.2525.9528.7449
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio1.060.990.9617
Very volatile
Price To Book Ratio2.642.232.4546
Slightly volatile
Fixed Asset Turnover18.717.8111.5658
Slightly volatile
Enterprise Value Multiple47.6653.2161.064
Pretty Stable
Debt Ratio0.130.250.2041
Slightly volatile
Price Sales Ratio6.364.178.3653
Slightly volatile
Return On Assets0.00360.00470.0049
Pretty Stable
Asset Turnover0.04470.05220.0373
Slightly volatile
Net Profit Margin0.0960.10.1392
Very volatile
Gross Profit Margin0.40.360.5454
Pretty Stable
Price Fair Value2.642.232.4546
Slightly volatile
Return On Equity0.02910.04320.0398
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 B7.6 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 Revenue910.8 M500.4 M
Cost Of Revenue425.7 M447 M
Stock Based Compensation To Revenue 0.01  0.03 
Sales General And Administrative To Revenue 0.14  0.17 
Capex To Revenue 0.01  0.01 
Revenue Per Share 2.56  1.41 
Ebit Per Revenue 0.13  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
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Largest Banks - Regional Companies
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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.
You can also try the Watchlist Optimization module to optimize watchlists to build efficient portfolios or rebalance existing positions based on the mean-variance optimization algorithm.
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. Comprehensive TFS Financial assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
(0.01)
Dividend Share
1.13
Earnings Share
0.32
Revenue Per Share
1.174
Quarterly Revenue Growth
0.11
Investors evaluate TFS Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating TFS Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause TFS Financial's market price to deviate significantly from intrinsic value.
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Piotroski
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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. Conversely, TFS Financial's market price signifies the transaction level at which participants voluntarily complete trades.
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