TFS Net Income vs Change In Working Capital Analysis

TFSL Stock

USD 14.52 0.14 0.97%

TFS Financial financial indicator trend analysis is much more than just breaking down TFS Financial prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether TFS Financial is a good investment. Please check the relationship between TFS Financial Net Income and its Change In Working Capital accounts. Check out World Market Map 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 state.

For more information on how to buy TFS Stock please use our How to buy in TFS Stock guide.

Net Income vs Change In Working Capital

Net Income vs Change In Working Capital Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of TFS Financial Net Income account and Change In Working Capital. At this time, the significance of the direction appears to have strong contrarian relationship.

The correlation between TFS Financial's Net Income and Change In Working Capital is -0.58. Overlapping area represents the amount of variation of Net Income that can explain the historical movement of Change In Working Capital in the same time period over historical financial statements of TFS Financial, assuming nothing else is changed. The correlation between historical values of TFS Financial's Net Income and Change In Working Capital is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Income of TFS Financial are associated (or correlated) with its Change In Working Capital. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Change In Working Capital has no effect on the direction of Net Income i.e., TFS Financial's Net Income and Change In Working Capital go up and down completely randomly.

Correlation Coefficient

-0.58

Relationship Direction	Negative
Relationship Strength	Very Weak

View All Relationships

Net Income

Net income is one of the most important fundamental items in finance. It plays a large role in TFS Financial financial statement analysis. It represents the amount of money remaining after all of TFS Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Change In Working Capital

The difference in the amount of working capital from one period to the next, indicating the change in a company's short-term assets and liabilities.

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 World Market Map 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 state.

For more information on how to buy TFS Stock please use our How to buy in TFS Stock guide.At this time, TFS Financial's Tax Provision is quite stable compared to the past year. Enterprise Value is expected to rise to about 8.8 B this year, although the value of Selling General Administrative will most likely fall to about 110.1 M.

	2021	2022	2023	2024 (projected)
Total Revenue	291.2M	305.0M	758.8M	796.7M
Interest Expense	141.9M	328.4M	162.9M	157.1M

Total Revenue Interest Expense

TFS Financial fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Stockholder Equity	Net Debt	Cash	Cash And Short Term Investments	Common Stock Shares Outstanding	Non Current Liabilities Total	Total Liab	Total Current Assets	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Other Stockholder Equity	Other Liab	Property Plant And Equipment Net	Retained Earnings	Accounts Payable	Long Term Debt	Net Receivables	Short Term Investments	Inventory	Property Plant And Equipment Gross	Intangible Assets	Property Plant Equipment	Total Current Liabilities
Total Assets		-0.01	0.15	-0.07	-0.16	0.14	-0.53	-0.35	0.82	0.22	-0.89	-0.88	0.84	0.08	-0.16	-0.06	0.23	-0.22	-0.21	0.09	0.24	-0.05	-0.19	-0.12	-0.05	-0.19
Short Long Term Debt Total	-0.01		0.46	1.0	0.43	0.62	-0.5	0.76	-0.04	-0.44	0.44	0.46	-0.08	-0.63	-0.69	-0.71	0.89	-0.46	0.97	0.51	0.37	-0.81	0.49	-0.81	-0.84	0.55
Total Stockholder Equity	0.15	0.46		0.47	0.0	0.73	-0.04	0.34	0.32	0.19	0.17	0.2	-0.12	0.37	-0.1	-0.76	0.55	-0.95	0.43	0.1	0.81	-0.62	0.11	-0.77	-0.43	0.0
Net Debt	-0.07	1.0	0.47		0.4	0.61	-0.45	0.78	-0.08	-0.42	0.5	0.52	-0.15	-0.62	-0.68	-0.69	0.87	-0.47	0.98	0.49	0.39	-0.8	0.48	-0.82	-0.81	0.55
Cash	-0.16	0.43	0.0	0.4		0.51	-0.39	0.39	-0.33	-0.76	0.34	0.35	0.09	-0.41	-0.1	-0.54	0.48	0.08	0.5	0.53	-0.24	-0.61	0.69	-0.12	-0.76	0.46
Cash And Short Term Investments	0.14	0.62	0.73	0.61	0.51		-0.56	0.53	0.21	-0.18	0.2	0.23	0.0	-0.03	-0.4	-0.85	0.84	-0.71	0.59	0.48	0.71	-0.79	0.42	-0.75	-0.77	0.32
Common Stock Shares Outstanding	-0.53	-0.5	-0.04	-0.45	-0.39	-0.56		-0.23	-0.42	0.2	0.3	0.29	-0.46	0.53	0.67	0.3	-0.72	0.13	-0.38	-0.54	-0.3	0.38	-0.33	0.38	0.57	-0.38
Non Current Liabilities Total	-0.35	0.76	0.34	0.78	0.39	0.53	-0.23		-0.36	-0.31	0.65	0.66	-0.39	-0.51	-0.54	-0.47	0.64	-0.37	0.81	0.38	0.33	-0.63	0.27	-0.66	-0.56	0.62
Total Liab	0.82	-0.04	0.32	-0.08	-0.33	0.21	-0.42	-0.36		0.41	-0.72	-0.7	0.59	0.21	-0.19	-0.11	0.26	-0.49	-0.2	-0.29	0.45	-0.09	-0.4	-0.3	0.01	-0.48
Total Current Assets	0.22	-0.44	0.19	-0.42	-0.76	-0.18	0.2	-0.31	0.41		-0.38	-0.37	-0.08	0.55	0.15	0.37	-0.36	-0.27	-0.49	-0.44	0.4	0.56	-0.62	0.06	0.63	-0.34
Non Current Assets Total	-0.89	0.44	0.17	0.5	0.34	0.2	0.3	0.65	-0.72	-0.38		1.0	-0.79	-0.26	-0.1	-0.33	0.2	-0.1	0.62	0.13	0.01	-0.37	0.37	-0.29	-0.35	0.38
Non Currrent Assets Other	-0.88	0.46	0.2	0.52	0.35	0.23	0.29	0.66	-0.7	-0.37	1.0		-0.79	-0.25	-0.11	-0.36	0.22	-0.13	0.63	0.13	0.03	-0.39	0.38	-0.32	-0.36	0.37
Other Assets	0.84	-0.08	-0.12	-0.15	0.09	0.0	-0.46	-0.39	0.59	-0.08	-0.79	-0.79		-0.03	0.05	0.04	0.09	0.07	-0.23	0.15	-0.12	-0.01	-0.06	0.16	-0.07	-0.24
Other Stockholder Equity	0.08	-0.63	0.37	-0.62	-0.41	-0.03	0.53	-0.51	0.21	0.55	-0.26	-0.25	-0.03		0.7	0.07	-0.49	-0.28	-0.62	-0.33	0.26	0.33	-0.35	0.24	0.49	-0.52
Other Liab	-0.16	-0.69	-0.1	-0.68	-0.1	-0.4	0.67	-0.54	-0.19	0.15	-0.1	-0.11	0.05	0.7		0.33	-0.72	0.25	-0.59	-0.22	-0.4	0.46	-0.19	0.67	0.52	-0.34
Property Plant And Equipment Net	-0.06	-0.71	-0.76	-0.69	-0.54	-0.85	0.3	-0.47	-0.11	0.37	-0.33	-0.36	0.04	0.07	0.33		-0.79	0.7	-0.69	-0.32	-0.51	0.92	-0.55	0.77	0.88	-0.19
Retained Earnings	0.23	0.89	0.55	0.87	0.48	0.84	-0.72	0.64	0.26	-0.36	0.2	0.22	0.09	-0.49	-0.72	-0.79		-0.59	0.82	0.47	0.56	-0.87	0.45	-0.86	-0.89	0.43
Accounts Payable	-0.22	-0.46	-0.95	-0.47	0.08	-0.71	0.13	-0.37	-0.49	-0.27	-0.1	-0.13	0.07	-0.28	0.25	0.7	-0.59		-0.42	0.05	-0.85	0.61	0.06	0.83	0.4	0.12
Long Term Debt	-0.21	0.97	0.43	0.98	0.5	0.59	-0.38	0.81	-0.2	-0.49	0.62	0.63	-0.23	-0.62	-0.59	-0.69	0.82	-0.42		0.49	0.3	-0.8	0.53	-0.76	-0.82	0.57
Net Receivables	0.09	0.51	0.1	0.49	0.53	0.48	-0.54	0.38	-0.29	-0.44	0.13	0.13	0.15	-0.33	-0.22	-0.32	0.47	0.05	0.49		0.13	-0.34	0.6	-0.15	-0.53	0.79
Short Term Investments	0.24	0.37	0.81	0.39	-0.24	0.71	-0.3	0.33	0.45	0.4	0.01	0.03	-0.12	0.26	-0.4	-0.51	0.56	-0.85	0.3	0.13		-0.4	-0.08	-0.76	-0.26	0.03
Inventory	-0.05	-0.81	-0.62	-0.8	-0.61	-0.79	0.38	-0.63	-0.09	0.56	-0.37	-0.39	-0.01	0.33	0.46	0.92	-0.87	0.61	-0.8	-0.34	-0.4		-0.48	0.8	0.91	-0.27
Property Plant And Equipment Gross	-0.19	0.49	0.11	0.48	0.69	0.42	-0.33	0.27	-0.4	-0.62	0.37	0.38	-0.06	-0.35	-0.19	-0.55	0.45	0.06	0.53	0.6	-0.08	-0.48		-0.17	-0.71	0.5
Intangible Assets	-0.12	-0.81	-0.77	-0.82	-0.12	-0.75	0.38	-0.66	-0.3	0.06	-0.29	-0.32	0.16	0.24	0.67	0.77	-0.86	0.83	-0.76	-0.15	-0.76	0.8	-0.17		0.67	-0.19
Property Plant Equipment	-0.05	-0.84	-0.43	-0.81	-0.76	-0.77	0.57	-0.56	0.01	0.63	-0.35	-0.36	-0.07	0.49	0.52	0.88	-0.89	0.4	-0.82	-0.53	-0.26	0.91	-0.71	0.67		-0.43
Total Current Liabilities	-0.19	0.55	0.0	0.55	0.46	0.32	-0.38	0.62	-0.48	-0.34	0.38	0.37	-0.24	-0.52	-0.34	-0.19	0.43	0.12	0.57	0.79	0.03	-0.27	0.5	-0.19	-0.43

Click cells to compare fundamentals

TFS Financial Account Relationship Matchups

TFS Financial fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	14.6B	14.1B	15.8B	16.9B	1.9B	1.8B
Short Long Term Debt Total	3.5B	3.1B	4.8B	5.3B	4.8B	5.0B
Total Stockholder Equity	1.7B	1.7B	1.8B	1.9B	1.9B	1.8B
Net Debt	3.0B	2.6B	4.4B	4.8B	4.8B	5.0B
Cash	498.0M	488.3M	369.6M	466.7M	536.8M	343.1M
Cash And Short Term Investments	951.5M	910.1M	827.5M	975.1M	1.1B	658.9M
Common Stock Shares Outstanding	277.8M	278.6M	278.7M	278.6M	279.1M	312.2M
Liabilities And Stockholders Equity	14.6B	14.1B	15.8B	16.9B	1.9B	1.8B
Non Current Liabilities Total	3.5B	3.1B	2.2M	5.3B	6.1B	6.4B
Total Liab	13.0B	12.3B	13.9B	5.3B	11.1M	10.6M
Total Current Assets	988.1M	941.2M	867.7M	1.0B	523.3M	497.1M
Non Current Assets Total	502.9M	468.1M	500.4M	550.4M	16.6B	17.4B
Non Currrent Assets Other	(489K)	(285K)	(296K)	(200K)	15.9B	16.6B
Other Assets	13.2B	12.6B	14.4B	15.3B	(15.2B)	(14.5B)
Other Stockholder Equity	935.0M	943.1M	947.8M	951.8M	959.4M	866.2M
Other Liab	103.3M	111.5M	109.6M	117.3M	105.5M	131.6M
Property Plant And Equipment Net	41.6M	37.4M	34.5M	34.7M	33.2M	46.8M
Retained Earnings	865.5M	853.7M	870.0M	887.0M	915.5M	700.3M
Accounts Payable	3.1M	1.9M	2.2M	10.4M	9.3M	8.9M
Long Term Debt	3.5B	3.1B	4.8B	5.3B	6.1B	6.4B
Net Receivables	36.6M	31.1M	40.3M	53.9M	48.5M	30.6M
Short Term Investments	453.4M	421.8M	457.9M	508.3M	584.6M	366.9M
Inventory	(534.9M)	(519.7M)	(411.0M)	(522.1M)	(469.9M)	(446.4M)
Property Plant And Equipment Gross	41.6M	139.3M	140.9M	143.9M	165.5M	84.2M
Accumulated Other Comprehensive Income	(132.0M)	(67.8M)	23.1M	85.2M	(15.6M)	(16.4M)
Intangible Assets	7.9M	8.9M	7.9M	7.4M	6.7M	6.3M
Property Plant Equipment	61.6M	41.8M	37.4M	34.5M	31.1M	54.3M
Total Current Liabilities	3.1M	1.9M	2.2M	10.4M	9.3M	4.7M
Treasury Stock	(764.6M)	(767.6M)	(768.0M)	(772.0M)	(694.8M)	(729.5M)
Other Current Liab	(3.1M)	2.5B	(2.4M)	1.4B	1.3B	1.2B
Net Tangible Assets	1.7B	1.7B	1.7B	1.8B	1.7B	1.4B
Capital Surpluse	1.7B	1.7B	1.7B	1.8B	2.0B	1.9B
Long Term Investments	13.1B	421.8M	457.9M	508.3M	457.5M	434.6M
Short Term Debt	3.0B	2.5B	2.2B	1.4B	1.6B	2.0B
Other Current Assets	534.9M	519.7M	411.0M	522.1M	523.3M	497.1M

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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 World Market Map 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 state.

For more information on how to buy TFS Stock please use our How to buy in TFS Stock guide.

You can also try the Correlation Analysis module to reduce portfolio risk simply by holding instruments which are not perfectly correlated.

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.

Dividend Share

1.13

Earnings Share

0.28

Revenue Per Share

1.095

Quarterly Revenue Growth

(0.01)

Return On Assets

0.0047

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.

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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TFS Net Income vs Change In Working Capital Analysis

Net Income vs Change In Working Capital

Net Income vs Change In Working Capital Correlation Analysis

Correlation Coefficient

Net Income

Change In Working Capital

TFS Financial fundamental ratios Correlations

TFS Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

TFS Financial fundamental ratios Accounts

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

COMMON DESTINATIONS

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COMPANY

Net Debt	+ 1.0	Short Long Term Debt Total
Non Currrent Assets Other	+ 1.0	Non Current Assets Total
Long Term Debt	+ 0.98	Net Debt
Long Term Debt	+ 0.97	Short Long Term Debt Total
Inventory	+ 0.92	Property Plant And Equipment Net
Property Plant Equipment	+ 0.91	Inventory

Accounts Payable	- 0.95	Total Stockholder Equity
Property Plant Equipment	- 0.89	Retained Earnings
Non Current Assets Total	- 0.89	Total Assets
Non Currrent Assets Other	- 0.88	Total Assets
Inventory	- 0.87	Retained Earnings
Intangible Assets	- 0.86	Retained Earnings