TFS Financial Corporation

12.28
-0.13 (-1.05%)
At close: Mar 28, 2025, 3:59 PM
12.10
-1.43%
After-hours: Mar 28, 2025, 05:55 PM EDT

TFS Financial Statistics

Share Statistics

TFS Financial has 280.8M shares outstanding. The number of shares has increased by 0% in one year.

Shares Outstanding 280.8M
Shares Change (YoY) 0%
Shares Change (QoQ) 0%
Owned by Institutions (%) 9.96%
Shares Floating 52.19M
Failed to Deliver (FTD) Shares 780
FTD / Avg. Volume 0.26%

Short Selling Information

The latest short interest is 2.6M, so 0.93% of the outstanding shares have been sold short.

Short Interest 2.6M
Short % of Shares Out 0.93%
Short % of Float 5.02%
Short Ratio (days to cover) 8.97

Valuation Ratios

The PE ratio is 44.95 and the forward PE ratio is 41.65. TFS Financial's PEG ratio is 6.07.

PE Ratio 44.95
Forward PE 41.65
PS Ratio 11.8
Forward PS 10.8
PB Ratio 1.92
P/FCF Ratio 404.68
PEG Ratio 6.07
Financial Ratio History

Enterprise Valuation

TFS Financial Corporation has an Enterprise Value (EV) of 8.09B.

EV / Earnings 101.6
EV / Sales 26.67
EV / EBITDA 80.61
EV / EBIT 80.61
EV / FCF 914.73

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
Total Debt / Capitalization 72.01
Cash Flow / Debt 0
Interest Coverage 0.22

Financial Efficiency

Return on equity (ROE) is 0.04% and return on capital (ROIC) is 1.2%.

Return on Equity (ROE) 0.04%
Return on Assets (ROA) 0%
Return on Capital (ROIC) 1.2%
Revenue Per Employee $329,880.3
Profits Per Employee $86,602.83
Employee Count 919
Asset Turnover 0.02
Inventory Turnover n/a

Taxes

Income Tax 20.73M
Effective Tax Rate 0.21

Stock Price Statistics

The stock price has increased by -1.19% in the last 52 weeks. The beta is 0.79, so TFS Financial's price volatility has been higher than the market average.

Beta 0.79
52-Week Price Change -1.19%
50-Day Moving Average 12.89
200-Day Moving Average 13.06
Relative Strength Index (RSI) 45.38
Average Volume (20 Days) 296.85K

Income Statement

In the last 12 months, TFS Financial had revenue of 303.16M and earned 79.59M in profits. Earnings per share was 0.29.

Revenue 303.16M
Gross Profit 758.78M
Operating Income 100.31M
Net Income 79.59M
EBITDA 100.31M
EBIT 100.31M
Earnings Per Share (EPS) 0.29
Full Income Statement

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
Full Balance Sheet

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
Full Cash Flow Statement

Margins

Gross margin is 250.29%, with operating and profit margins of 33.09% and 26.25%.

Gross Margin 250.29%
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 2.34%
FCF Yield 0.25%
Dividend Details

Analyst Forecast

The average price target for TFSL is $14.5, which is 16.8% higher than the current price. The consensus rating is "Hold".

Price Target $14.5
Price Target Difference 16.8%
Analyst Consensus Hold
Analyst Count 2
Stock Forecasts

Scores

Altman Z-Score 0.32
Piotroski F-Score 8