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TFS Financial Corporation TFSL

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16.55 USD +0.12 (+0.73%)

Nov 6, 2026, 1:40 PM EST

16.26 Day range 16.55
13.21 52-week range 19.49
YTD
+23.69%
1 year
+21.87%

Financial health

Altman Z-Score

-0.28 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C-1 / 5 overall

  • DCF 1
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E 45.0×
FY 2017: 50.4×FY 2018: 47.7×FY 2019: 62.1×FY 2020: 49.0×FY 2021: 65.7×FY 2022: 50.0×FY 2023: 43.8×FY 2024: 45.9×FY 2025: 41.2×FY 2026: 45.0×
FY 2017 5y median 45.0× FY 2026
P/S 5.4×
FY 2017: 10.4×FY 2018: 8.8×FY 2019: 9.9×FY 2020: 8.0×FY 2021: 11.9×FY 2022: 8.3×FY 2023: 5.2×FY 2024: 4.7×FY 2025: 4.6×FY 2026: 5.4×
FY 2017 5y median 5.2× FY 2026
P/B 2.3×
FY 2017: 2.6×FY 2018: 2.3×FY 2019: 2.9×FY 2020: 2.4×FY 2021: 3.0×FY 2022: 2.0×FY 2023: 1.7×FY 2024: 1.9×FY 2025: 1.9×FY 2026: 2.3×
FY 2017 5y median 1.9× FY 2026
P/FCF 0.0×
FY 2017: 46.1×FY 2018: 48.6×FY 2019: 50.0×FY 2020: 34.2×FY 2021: 64.5×FY 2022: 99.5×FY 2023: 38.3×FY 2024: 41.8×FY 2025: 51.8×FY 2026: 0.0×
FY 2017 5y median 41.8× FY 2026
EV/EBITDA 15.9×
FY 2017: 51.3×FY 2018: 51.6×FY 2019: 68.9×FY 2020: 53.5×FY 2021: 59.7×FY 2022: 67.7×FY 2023: 72.8×FY 2024: 66.5×FY 2025: 59.1×FY 2026: 15.9×
FY 2017 5y median 66.5× FY 2026
EV/Sales 11.7×
FY 2017: 18.4×FY 2018: 16.3×FY 2019: 17.2×FY 2020: 14.0×FY 2021: 17.8×FY 2022: 18.6×FY 2023: 12.8×FY 2024: 10.5×FY 2025: 10.3×FY 2026: 11.7×
FY 2017 5y median 11.7× FY 2026
FCF Yield 0.0%
FY 2017: 2.2%FY 2018: 2.1%FY 2019: 2.0%FY 2020: 2.9%FY 2021: 1.6%FY 2022: 1.0%FY 2023: 2.6%FY 2024: 2.4%FY 2025: 1.9%FY 2026: 0.0%
FY 2017 5y median 1.9% FY 2026

Profitability

Gross Margin 42.2%
FY 2017: 73.6%FY 2018: 67.5%FY 2019: 58.9%FY 2020: 57.5%FY 2021: 66.6%FY 2022: 67.0%FY 2023: 48.4%FY 2024: 40.2%FY 2025: 40.3%FY 2026: 42.2%
FY 2017 5y median 42.2% FY 2026
Operating Margin 15.4%
FY 2017: 31.1%FY 2018: 26.1%FY 2019: 20.3%FY 2020: 19.7%FY 2021: 22.5%FY 2022: 21.3%FY 2023: 14.7%FY 2024: 13.2%FY 2025: 14.5%FY 2026: 15.4%
FY 2017 5y median 14.7% FY 2026
Net Margin 12.0%
FY 2017: 20.7%FY 2018: 18.4%FY 2019: 16.0%FY 2020: 16.4%FY 2021: 18.2%FY 2022: 17.2%FY 2023: 11.9%FY 2024: 10.5%FY 2025: 11.5%FY 2026: 12.0%
FY 2017 5y median 11.9% FY 2026
ROE 5.0%
FY 2017: 5.3%FY 2018: 4.9%FY 2019: 4.7%FY 2020: 5.0%FY 2021: 4.7%FY 2022: 4.0%FY 2023: 3.9%FY 2024: 4.3%FY 2025: 4.8%FY 2026: 5.0%
FY 2017 5y median 4.3% FY 2026
ROIC 1.3%
FY 2017: 1.6%FY 2018: 1.5%FY 2019: 1.4%FY 2020: 1.6%FY 2021: 1.6%FY 2022: 1.1%FY 2023: 1.0%FY 2024: 1.2%FY 2025: 1.3%FY 2026: 1.3%
FY 2017 5y median 1.2% FY 2026
ROA 0.6%
FY 2017: 0.6%FY 2018: 0.6%FY 2019: 0.6%FY 2020: 0.6%FY 2021: 0.6%FY 2022: 0.5%FY 2023: 0.4%FY 2024: 0.5%FY 2025: 0.5%FY 2026: 0.6%
FY 2017 5y median 0.5% FY 2026

Growth (YoY)

Revenue 6.0%
FY 2017: 3.7%FY 2018: 8.3%FY 2019: 8.2%FY 2020: 1.2%FY 2021: -12.6%FY 2022: -2.6%FY 2023: 46.2%FY 2024: 19.8%FY 2025: 4.4%FY 2026: 6.0%
FY 2017 FY 2026
Operating Income 12.3%
FY 2017: 9.0%FY 2018: -9.1%FY 2019: -15.6%FY 2020: -1.9%FY 2021: -0.2%FY 2022: -8.0%FY 2023: 1.4%FY 2024: 7.4%FY 2025: 14.4%FY 2026: 12.3%
FY 2017 FY 2026
EPS (diluted) 9.4%
FY 2017: 14.3%FY 2018: -3.1%FY 2019: -9.7%FY 2020: 7.1%FY 2021: -3.3%FY 2022: -10.3%FY 2023: 0.0%FY 2024: 7.7%FY 2025: 14.3%FY 2026: 9.4%
FY 2017 FY 2026
Free Cash Flow 0.0%
FY 2017: 28.0%FY 2018: -13.7%FY 2019: 18.5%FY 2020: 19.5%FY 2021: -31.0%FY 2022: -55.7%FY 2023: 136.3%FY 2024: -0.1%FY 2025: -17.0%FY 2026: 0.0%
FY 2017 FY 2026

Financial Health

Current Ratio 0.1×
FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×FY 2026: 0.1×
FY 2017 5y median 0.1× FY 2026
Quick Ratio 0.1×
FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×FY 2026: 0.1×
FY 2017 5y median 0.1× FY 2026
Debt / Equity 2.9×
FY 2017: 2.2×FY 2018: 2.1×FY 2019: 2.3×FY 2020: 2.1×FY 2021: 1.8×FY 2022: 2.6×FY 2023: 2.8×FY 2024: 2.6×FY 2025: 2.6×FY 2026: 2.9×
FY 2017 5y median 2.6× FY 2026
Net Debt / EBITDA 8.6×
FY 2017: 22.3×FY 2018: 23.8×FY 2019: 29.2×FY 2020: 23.1×FY 2021: 19.9×FY 2022: 37.4×FY 2023: 43.4×FY 2024: 36.5×FY 2025: 32.5×FY 2026: 8.6×
FY 2017 5y median 36.5× FY 2026
Interest Coverage 0.3×
FY 2017: 1.0×FY 2018: 0.7×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.6×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×FY 2026: 0.3×
FY 2017 5y median 0.3× FY 2026

Dividends

Dividend Yield 7.2%
FY 2017: 0.6%FY 2018: 0.9%FY 2019: 1.0%FY 2020: 1.4%FY 2021: 1.1%FY 2022: 1.6%FY 2023: 1.8%FY 2024: 1.6%FY 2025: 1.6%FY 2026: 7.2%
FY 2017 5y median 1.6% FY 2026
Payout Ratio 322.6%
FY 2017: 31.2%FY 2018: 44.1%FY 2019: 62.9%FY 2020: 66.6%FY 2021: 69.9%FY 2022: 78.2%FY 2023: 77.5%FY 2024: 74.1%FY 2025: 65.5%FY 2026: 322.6%
FY 2017 5y median 77.5% FY 2026

Annual · latest fiscal year ends 2026-09-30