TFSLNasdaqSavings Institution, Federally CharteredFiscal year ends September 30
TFS Financial CORP
Financials through Q3 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$16.07−0.26 (-1.59%)
Close on Oct 19, 2026
- Market cap
- $4.50B
- P/E (TTM)
- 44.6
- Dividend yield
- 7.03%
TFS Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Savings Institution, Federally Chartered companies for comparison
Valuation
| Measure | TFS Financial | Industry median |
|---|---|---|
| Market Cap | $4.51B | $679.86M |
| Enterprise Value | $3.94B | $408.94M |
| PE Ratio | 44.64 | 12.00 |
| PS Ratio | 13.11 | 3.61 |
| PB Ratio | 2.30 | 1.18 |
| P/TBV Ratio | 2.30 | 1.41 |
| P/FCF Ratio | 52.24 | 10.93 |
| P/OCF Ratio | 46.08 | 10.04 |
Enterprise value
| Measure | TFS Financial | Industry median |
|---|---|---|
| EV / Sales | 11.46 | 2.78 |
| EV / FCF | 45.64 | 8.25 |
Income (trailing twelve months)
| Measure | TFS Financial | Industry median |
|---|---|---|
| Revenue | $343.73M | $170.85M |
| Pretax Income | $129.46M | $70.12M |
| Net Income | $102.06M | $54.33M |
| EPS (Diluted) | $0.36 | $2.90 |
Margins
| Measure | TFS Financial | Industry median |
|---|---|---|
| Pretax Margin | 37.7% | 36.4% |
| Profit Margin | 29.7% | 29.1% |
| FCF Margin | 25.1% | 33.0% |
Returns
| Measure | TFS Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 5.31% | 10.5% |
| Return on Assets (ROA) | 0.58% | 1.12% |
Growth
| Measure | TFS Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 10.5% | 11.8% |
| Net Income Growth (YoY) | 22.7% | 23.1% |
| EPS Growth (YoY) | 24.1% | 22.7% |
| FCF Growth (YoY) | 247.6% | 27.1% |
| Revenue Growth (3Y CAGR) | 3.35% | 5.82% |
| Revenue Growth (5Y CAGR) | 1.70% | 6.17% |
| EPS Growth (3Y CAGR) | 7.17% | 1.26% |
| EPS Growth (5Y CAGR) | 1.99% | 8.24% |
Balance sheet
| Measure | TFS Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $568.93M | $205.54M |
| Net Cash (Debt) | $568.93M | $164.40M |
| Net Cash Per Share | $2.03 | $8.13 |
| Equity (Book Value) | $1.96B | $560.44M |
| Book Value Per Share | $6.98 | $28.47 |
| Tangible Book Value | $1.96B | $472.29M |
Cash flow (trailing twelve months)
| Measure | TFS Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $97.80M | $61.20M |
| Capital Expenditures | -$11.53M | -$4.02M |
| Free Cash Flow | $86.27M | $52.43M |
| FCF Per Share | $0.31 | $3.07 |
Efficiency
| Measure | TFS Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.02 | 0.04 |
| Revenue Per Employee | $358.80K | $353.78K |
| Profits Per Employee | $106.53K | $107.28K |
| Employee Count | 958 | 489 |
Dividends and yields
| Measure | TFS Financial | Industry median |
|---|---|---|
| Earnings Yield | 2.26% | 8.07% |
| FCF Yield | 1.91% | 8.89% |
| Dividend Yield | 7.03% | 2.48% |
| Buyback Yield | 0.19% | 1.55% |
| Shareholder Yield | 7.23% | 3.13% |
| Dividend Per Share | $1.13 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 58.6% | 29.4% |
| FCF Payout Ratio | 69.3% | 26.0% |
Shares
| Measure | TFS Financial | Industry median |
|---|---|---|
| Shares Outstanding | 280,443,000 | 18,839,100 |
| Shares Change (YoY) | 0.12% | 0.39% |
| Shares Change (QoQ) | -0.01% | 0.00% |
| Float | 279,182,000 | 17,061,900 |
| Shares Held by Insiders | 0.45% | 5.89% |
| Shares Held by Institutions | 13.7% | 61.9% |
Taxes
| Measure | TFS Financial | Industry median |
|---|---|---|
| Income Tax | $27.40M | $14.50M |
| Effective Tax Rate | 21.2% | 21.1% |
Scores
| Measure | TFS Financial | Industry median |
|---|---|---|
| Graham Number | $7.52 | $45.31 |
| Graham Upside | -53.2% | 21.6% |
| Altman Z-Score | 0.26 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from TFS Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.