TFS Financial Financials

PWT Stock

EUR 12.30 0.20 1.60%

You can harness fundamental analysis to find out if TFS Financial is mispriced or if you can make any profits on it by purchasing it and then waiting for the market to recognize its mistake and reprise the security. We were able to interpolate thirty available drivers for TFS Financial, which can be compared to its competition. The stock experiences a somewhat bearish sentiment, but the market may correct it shortly. Check odds of TFS Financial to be traded at €11.93 in 90 days.

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Interest Hikes

TFS Financial Balance Sheet Chart

The current Total Assets is estimated to decrease to about 16.1 B. The current Total Current Liabilities is estimated to decrease to about 12 B

Total Assets Total Current Liabilities Total Stockholder Equity Other Liab

Key indicators impacting TFS Financial's financial strength include:

Current Value

Last Year

Change From Last Year

10 Year Trend

Operating Income

103.2 M

101.4 M

Fairly Up

Slightly volatile

TFS Financial Stock Summary

TFS Financial competes with CapitaLand Investment, Apollo Investment, SLR Investment, Waste Management, and Guangdong Investment. TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC. TFS FINANCIAL is traded on Frankfurt Stock Exchange in Germany.

Specialization	Financial Services, Banks - Regional
Instrument	Germany Stock View All
Exchange	Frankfurt Exchange
ISIN	US87240R1077
Business Address	7007 Broadway Avenue,
Sector	Banks
Industry	Financials
Benchmark	Dow Jones Industrial
Website	www.thirdfederal.com
Phone	216 441 6000
Currency	EUR - Euro

You should never invest in TFS Financial without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of TFS Stock, because this is throwing your money away. Analyzing the key information contained in TFS Financial's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

TFS Financial Key Financial Ratios

There are many critical financial ratios that TFS Financial's investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that TFS Financial reports annually and quarterly.

	Revenue	321.47 M
	Gross Profit	327.37 M
	Net Income	90.96 M
	Total Asset	17.46 B
	Retained Earnings	946.78 M

More Fundamentals

TFS Financial Key Balance Sheet Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	15.8B	16.9B	17.1B	17.5B	20.1B	16.1B
Retained Earnings	870.0M	887.0M	915.5M	946.8M	1.1B	886.8M
Accounts Payable	8.9B	10.4M	23.2M	14.7M	13.2M	12.6M
Cash	369.6M	466.7M	463.7M	429.4M	493.9M	375.6M
Long Term Debt	4.8B	5.3B	4.8B	4.9B	5.6B	3.9B
Total Liab	13.9B	15.0B	15.2B	15.6B	17.9B	14.1B
Intangible Assets	7.9M	7.4M	7.6M	8.5M	7.7M	6.9M
Net Receivables	40.3M	53.9M	59.4M	62.6M	71.9M	48.0M
Net Debt	4.4B	4.8B	4.4B	4.5B	5.1B	4.2B
Net Invested Capital	6.6B	7.2B	6.7B	6.8B	7.8B	6.6B

TFS Financial Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.

	2021	2022	2023	2024	2025	2026 (projected)
Interest Expense	141.9M	328.4M	455.6M	470.5M	541.1M	568.1M
Total Revenue	291.2M	305.0M	303.2M	321.5M	369.7M	326.0M
Income Before Tax	92.1M	93.4M	100.3M	114.7M	103.2M	85.9M
Net Income	74.6M	75.3M	79.6M	91.0M	104.6M	87.8M
Tax Provision	17.5M	18.1M	20.7M	23.8M	21.4M	20.8M
Net Interest Income	267.4M	283.6M	278.5M	292.7M	336.6M	296.1M
Interest Income	409.3M	611.9M	734.1M	763.2M	877.7M	559.4M

TFS Financial Key Cash Accounts

Cash flow analysis captures how much money flows into and out of TFS Financial. It measures of how well TFS is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money TFS Financial brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money TFS had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what TFS Financial has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (capital allocation) and investing in non-business activities like paying off debt or making acquisitions.

	2021	2022	2023	2024	2025	2026 (projected)
Investments	(86.5M)	(1.0B)	8.2M	10M	9M	9.5M
Change In Cash	(118.8M)	97.2M	(3.0M)	(34.3M)	(39.4M)	(37.4M)
Net Borrowings	1.7B	689.0M	(480.4M)	82.6M	74.3M	70.6M
Depreciation	27.0M	18.1M	19.0M	23.0M	26.5M	24.9M
Dividends Paid	58.3M	58.3M	(59.0M)	(59.5M)	(53.6M)	(50.9M)
Capital Expenditures	2.7M	5.1M	3.1M	11.5M	13.2M	13.8M
Net Income	74.6M	75.3M	79.6M	91.0M	104.6M	87.8M
End Period Cash Flow	369.6M	466.7M	463.7M	429.4M	493.9M	413.6M
Free Cash Flow	36.2M	85.6M	85.5M	71.0M	63.9M	73.0M
Other Non Cash Items	(23.9M)	(2.2M)	(26.8M)	(27.6M)	(24.8M)	(23.6M)

TFS Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining TFS Financial's current stock value. Our valuation model uses many indicators to compare TFS Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across TFS Financial competition to find correlations between indicators driving TFS Financial's intrinsic value. More Info.

TFS Financial is regarded second in return on equity category among its peers. It also is regarded second in return on asset category among its peers reporting about 0.11 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for TFS Financial is roughly 8.98 . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the TFS Financial's earnings, one of the primary drivers of an investment's value.

TFS Financial Total Assets Over Time

Most indicators from TFS Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into TFS Financial current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in TFS Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.

For more detail on how to invest in TFS Stock please use our How to Invest in TFS Financial guide.The current Selling General Administrative is estimated to decrease to about 148.6 M. The current Tax Provision is estimated to decrease to about 20.8 M

	2025	2026 (projected)
Gross Profit	340.3M	329.8M
Total Revenue	369.7M	326.0M

Gross Profit Total Revenue

TFS Financial fundamental ratios Correlations

	Total Assets	Total Current Liabilities	Total Stockholder Equity	Other Liab	Net Tangible Assets	Retained Earnings	Accounts Payable	Cash	Other Assets	Long Term Debt	Good Will	Inventory	Other Current Assets	Other Stockholder Equity	Total Liab	Long Term Investments	Short Long Term Debt	Total Current Assets	Short Term Debt	Intangible Assets	Common Stock	Property Plant Equipment	Other Current Liab	Net Receivables	Short Term Investments	Net Debt
Total Assets		0.95	0.64	0.94	0.56	0.96	-0.69	0.83	0.98	0.93	-0.42	-0.78	0.66	0.59	1.0	-0.64	-0.61	0.71	-0.61	-0.8	-0.42	0.93	-0.53	0.93	-0.67	0.81
Total Current Liabilities	0.95		0.45	0.93	0.38	0.99	-0.5	0.88	0.98	0.96	-0.35	-0.9	0.74	0.41	0.96	-0.77	-0.72	0.82	-0.72	-0.87	-0.35	0.92	-0.48	0.78	-0.56	0.65
Total Stockholder Equity	0.64	0.45		0.52	0.99	0.46	-0.54	0.35	0.55	0.37	-0.57	-0.08	0.26	0.67	0.61	-0.19	-0.33	0.21	-0.33	-0.15	-0.57	0.58	-0.59	0.77	-0.68	0.79
Other Liab	0.94	0.93	0.52		0.45	0.94	-0.57	0.9	0.95	0.92	-0.26	-0.82	0.61	0.54	0.95	-0.72	-0.61	0.8	-0.61	-0.78	-0.26	0.9	-0.38	0.81	-0.55	0.69
Net Tangible Assets	0.56	0.38	0.99	0.45		0.38	-0.44	0.27	0.48	0.27	-0.55	0.01	0.21	0.63	0.53	-0.13	-0.3	0.14	-0.3	-0.05	-0.55	0.52	-0.56	0.69	-0.64	0.73
Retained Earnings	0.96	0.99	0.46	0.94	0.38		-0.56	0.89	0.98	0.95	-0.39	-0.9	0.7	0.43	0.97	-0.78	-0.67	0.82	-0.67	-0.87	-0.39	0.95	-0.51	0.81	-0.63	0.64
Accounts Payable	-0.69	-0.5	-0.54	-0.57	-0.44	-0.56		-0.47	-0.6	-0.59	0.47	0.44	-0.28	-0.63	-0.68	0.36	0.04	-0.28	0.04	0.54	0.47	-0.6	0.48	-0.78	0.59	-0.72
Cash	0.83	0.88	0.35	0.9	0.27	0.89	-0.47		0.84	0.82	-0.25	-0.84	0.79	0.22	0.84	-0.83	-0.67	0.96	-0.67	-0.77	-0.25	0.82	-0.37	0.67	-0.49	0.44
Other Assets	0.98	0.98	0.55	0.95	0.48	0.98	-0.6	0.84		0.96	-0.39	-0.84	0.68	0.54	0.99	-0.7	-0.64	0.74	-0.64	-0.85	-0.39	0.94	-0.5	0.86	-0.6	0.76
Long Term Debt	0.93	0.96	0.37	0.92	0.27	0.95	-0.59	0.82	0.96		-0.27	-0.92	0.62	0.52	0.94	-0.71	-0.64	0.72	-0.64	-0.92	-0.27	0.87	-0.4	0.77	-0.47	0.7
Good Will	-0.42	-0.35	-0.57	-0.26	-0.55	-0.39	0.47	-0.25	-0.39	-0.27		0.26	-0.22	-0.37	-0.41	0.47	0.24	-0.21	0.24	0.4	1.0	-0.56	0.99	-0.4	0.74	-0.38
Inventory	-0.78	-0.9	-0.08	-0.82	0.01	-0.9	0.44	-0.84	-0.84	-0.92	0.26		-0.62	-0.26	-0.8	0.85	0.6	-0.81	0.6	0.95	0.26	-0.82	0.38	-0.53	0.39	-0.38
Other Current Assets	0.66	0.74	0.26	0.61	0.21	0.7	-0.28	0.79	0.68	0.62	-0.22	-0.62		-0.06	0.67	-0.63	-0.53	0.82	-0.53	-0.61	-0.22	0.59	-0.31	0.53	-0.41	0.37
Other Stockholder Equity	0.59	0.41	0.67	0.54	0.63	0.43	-0.63	0.22	0.54	0.52	-0.37	-0.26	-0.06		0.57	-0.17	-0.25	0.02	-0.25	-0.34	-0.37	0.5	-0.4	0.67	-0.45	0.8
Total Liab	1.0	0.96	0.61	0.95	0.53	0.97	-0.68	0.84	0.99	0.94	-0.41	-0.8	0.67	0.57		-0.66	-0.61	0.72	-0.61	-0.82	-0.41	0.93	-0.52	0.92	-0.66	0.8
Long Term Investments	-0.64	-0.77	-0.19	-0.72	-0.13	-0.78	0.36	-0.83	-0.7	-0.71	0.47	0.85	-0.63	-0.17	-0.66		0.57	-0.87	0.57	0.79	0.47	-0.8	0.56	-0.39	0.51	-0.24
Short Long Term Debt	-0.61	-0.72	-0.33	-0.61	-0.3	-0.67	0.04	-0.67	-0.64	-0.64	0.24	0.6	-0.53	-0.25	-0.61	0.57		-0.67	1.0	0.53	0.24	-0.57	0.37	-0.47	0.34	-0.35
Total Current Assets	0.71	0.82	0.21	0.8	0.14	0.82	-0.28	0.96	0.74	0.72	-0.21	-0.81	0.82	0.02	0.72	-0.87	-0.67		-0.67	-0.72	-0.21	0.75	-0.33	0.5	-0.44	0.25
Short Term Debt	-0.61	-0.72	-0.33	-0.61	-0.3	-0.67	0.04	-0.67	-0.64	-0.64	0.24	0.6	-0.53	-0.25	-0.61	0.57	1.0	-0.67		0.53	0.24	-0.57	0.37	-0.47	0.34	-0.35
Intangible Assets	-0.8	-0.87	-0.15	-0.78	-0.05	-0.87	0.54	-0.77	-0.85	-0.92	0.4	0.95	-0.61	-0.34	-0.82	0.79	0.53	-0.72	0.53		0.4	-0.81	0.51	-0.58	0.41	-0.5
Common Stock	-0.42	-0.35	-0.57	-0.26	-0.55	-0.39	0.47	-0.25	-0.39	-0.27	1.0	0.26	-0.22	-0.37	-0.41	0.47	0.24	-0.21	0.24	0.4		-0.56	0.99	-0.4	0.74	-0.38
Property Plant Equipment	0.93	0.92	0.58	0.9	0.52	0.95	-0.6	0.82	0.94	0.87	-0.56	-0.82	0.59	0.5	0.93	-0.8	-0.57	0.75	-0.57	-0.81	-0.56		-0.66	0.78	-0.7	0.64
Other Current Liab	-0.53	-0.48	-0.59	-0.38	-0.56	-0.51	0.48	-0.37	-0.5	-0.4	0.99	0.38	-0.31	-0.4	-0.52	0.56	0.37	-0.33	0.37	0.51	0.99	-0.66		-0.48	0.76	-0.44
Net Receivables	0.93	0.78	0.77	0.81	0.69	0.81	-0.78	0.67	0.86	0.77	-0.4	-0.53	0.53	0.67	0.92	-0.39	-0.47	0.5	-0.47	-0.58	-0.4	0.78	-0.48		-0.69	0.88
Short Term Investments	-0.67	-0.56	-0.68	-0.55	-0.64	-0.63	0.59	-0.49	-0.6	-0.47	0.74	0.39	-0.41	-0.45	-0.66	0.51	0.34	-0.44	0.34	0.41	0.74	-0.7	0.76	-0.69		-0.54
Net Debt	0.81	0.65	0.79	0.69	0.73	0.64	-0.72	0.44	0.76	0.7	-0.38	-0.38	0.37	0.8	0.8	-0.24	-0.35	0.25	-0.35	-0.5	-0.38	0.64	-0.44	0.88	-0.54

Click cells to compare fundamentals

TFS Financial Account Relationship Matchups

TFS Financial fundamental ratios Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	15.8B	16.9B	17.1B	17.5B	20.1B	16.1B
Retained Earnings	870.0M	887.0M	915.5M	946.8M	1.1B	886.8M
Accounts Payable	8.9B	10.4M	23.2M	14.7M	13.2M	12.6M
Cash	369.6M	466.7M	463.7M	429.4M	493.9M	375.6M
Long Term Debt	4.8B	5.3B	4.8B	4.9B	5.6B	3.9B
Total Liab	13.9B	15.0B	15.2B	15.6B	17.9B	14.1B
Intangible Assets	7.9M	7.4M	7.6M	8.5M	7.7M	6.9M
Net Receivables	40.3M	53.9M	59.4M	62.6M	71.9M	48.0M
Net Debt	4.4B	4.8B	4.4B	4.5B	5.1B	4.2B
Net Invested Capital	6.6B	7.2B	6.7B	6.8B	7.8B	6.6B

TFS Financial February 13, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of TFS Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of TFS Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of TFS Financial based on widely used predictive technical indicators. In general, we focus on analyzing TFS Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build TFS Financial's daily price indicators and compare them against related drivers.

	Downside Deviation	1.65
	Information Ratio	0.0225
	Maximum Drawdown	7.54
	Value At Risk	(1.72)
	Potential Upside	2.61

Complementary Tools for TFS Stock analysis

When running TFS Financial's price analysis, check to measure TFS Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy TFS Financial is operating at the current time. Most of TFS Financial's value examination focuses on studying past and present price action to predict the probability of TFS Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move TFS Financial's price. Additionally, you may evaluate how the addition of TFS Financial to your portfolios can decrease your overall portfolio volatility.

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