TFS Financial Corporation (TFSL)
TFS Financial Statistics
Share Statistics
TFS Financial has 280.8M shares outstanding. The number of shares has increased by 0.03% in one year.
| Shares Outstanding | 280.8M |
| Shares Change (YoY) | 0.03% |
| Shares Change (QoQ) | 0.03% |
| Owned by Institutions (%) | 9.96% |
| Shares Floating | 52.19M |
| Failed to Deliver (FTD) Shares | 280 |
| FTD / Avg. Volume | 0.08% |
Short Selling Information
The latest short interest is 3.02M, so 1.08% of the outstanding shares have been sold short.
| Short Interest | 3.02M |
| Short % of Shares Out | 1.08% |
| Short % of Float | 5.81% |
| Short Ratio (days to cover) | 9.18 |
Valuation Ratios
The PE ratio is 44.95 and the forward PE ratio is 39.45. TFS Financial's PEG ratio is 12.14.
| PE Ratio | 44.95 |
| Forward PE | 39.45 |
| PS Ratio | 11.8 |
| Forward PS | 10.6 |
| PB Ratio | 1.92 |
| P/FCF Ratio | 404.68 |
| PEG Ratio | 12.14 |
Enterprise Valuation
TFS Financial has an Enterprise Value (EV) of 8.37B.
| EV / Sales | 27.6 |
| EV / EBITDA | 83.43 |
| EV / EBIT | 946.68 |
| EV / FCF | 946.68 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 2.57.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 2.57 |
| Debt / EBITDA | 47.78 |
| Debt / FCF | 542.18 |
| Interest Coverage | 0.22 |
Financial Efficiency
Return on Equity is 4.27% and Return on Invested Capital is 0.48%.
| Return on Equity | 4.27% |
| Return on Assets | 0.47% |
| Return on Invested Capital | 0.48% |
| Revenue Per Employee | $329.88K |
| Profits Per Employee | $86.6K |
| Employee Count | 919 |
| Asset Turnover | 0.02 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 20.73M |
| Effective Tax Rate | 20.66% |
Stock Price Statistics
The stock price has increased by 0.99% in the last 52 weeks. The beta is 0.65, so TFS Financial's price volatility has been higher than the market average.
| Beta | 0.65 |
| 52-Week Price Change | 0.99% |
| 50-Day Moving Average | 12.63 |
| 200-Day Moving Average | 13.03 |
| Relative Strength Index (RSI) | 50.58 |
| Average Volume (20 Days) | 350.01K |
Income Statement
In the last 12 months, TFS Financial had revenue of 303.16M and earned 79.59M in profits. Earnings per share was 0.28.
| Revenue | 303.16M |
| Gross Profit | 303.16M |
| Operating Income | 100.31M |
| Net Income | 79.59M |
| EBITDA | 100.31M |
| EBIT | 100.31M |
| Earnings Per Share (EPS) | 0.28 |
Balance Sheet
The company has 1.56M in cash and 4.79B in debt, giving a net cash position of -4.79B.
| Cash & Cash Equivalents | 1.56M |
| Total Debt | 4.79B |
| Net Cash | -4.79B |
| Retained Earnings | 915.49M |
| Total Assets | 17.06B |
| Working Capital | 576.8M |
Cash Flow
In the last 12 months, operating cash flow was 8.84M and capital expenditures 0, giving a free cash flow of 8.84M.
| Operating Cash Flow | 8.84M |
| Capital Expenditures | 0 |
| Free Cash Flow | 8.84M |
| FCF Per Share | 0.03 |
Margins
Gross margin is 100%, with operating and profit margins of 33.09% and 26.25%.
| Gross Margin | 100% |
| Operating Margin | 33.09% |
| Pretax Margin | 33.09% |
| Profit Margin | 26.25% |
| EBITDA Margin | 33.09% |
| EBIT Margin | 33.09% |
| FCF Margin | 2.92% |
Dividends & Yields
TFSL pays an annual dividend of $1.41, which amounts to a dividend yield of 9%.
| Dividend Per Share | $1.41 |
| Dividend Yield | 9% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 487.07% |
| Earnings Yield | 2.22% |
| FCF Yield | 0.25% |
Analyst Forecast
The average price target for TFSL is $14.5, which is 18.6% higher than the current price. The consensus rating is "Hold".
| Price Target | $14.5 |
| Price Target Difference | 18.6% |
| Analyst Consensus | Hold |
| Analyst Count | 2 |
Scores
| Altman Z-Score | 0.31 |
| Piotroski F-Score | 8 |