TFS FINANCIAL CORP(NASDAQ:TFSL) stock Fundamental Analysis

Fundamental Rating

TFSL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. TFSL scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. TFSL is quite expensive at the moment. It does show a decent growth rate. TFSL also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year TFSL was profitable.

In the past year TFSL had a positive cash flow from operations.

In the past 5 years TFSL has always been profitable.

Each year in the past 5 years TFSL had a positive operating cash flow.

1.2 Ratios

TFSL's Return On Assets of 0.47% is on the low side compared to the rest of the industry. TFSL is outperformed by 76.13% of its industry peers.

TFSL has a Return On Equity of 4.18%. This is in the lower half of the industry: TFSL underperforms 79.90% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.47%
ROE	4.18%
ROIC	N/A

ROA(3y)0.45%

ROA(5y)0.5%

ROE(3y)3.99%

ROE(5y)4.29%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

TFSL has a better Profit Margin (26.42%) than 69.10% of its industry peers.

TFSL's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for TFSL so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	26.42%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.37%

PM growth 5Y-1.3%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

TFSL does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, TFSL has about the same amount of shares outstanding.

TFSL has more shares outstanding than it did 5 years ago.

TFSL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

TFSL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC6.79%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.69% over the past year.

TFSL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.72% yearly.

TFSL shows a small growth in Revenue. In the last year, the Revenue has grown by 0.83%.

TFSL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.18% yearly.

EPS 1Y (TTM)7.69%

EPS 3Y-2.35%

EPS 5Y-0.72%

EPS Q2Q%14.29%

Revenue 1Y (TTM)0.83%

Revenue growth 3Y1.85%

Revenue growth 5Y1.18%

Sales Q2Q%-1.11%

3.2 Future

The Earnings Per Share is expected to grow by 8.22% on average over the next years. This is quite good.

TFSL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.49% yearly.

EPS Next Y11.07%

EPS Next 2Y8.22%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year1.5%

Revenue Next 2Y3.49%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 47.57 indicates a quite expensive valuation of TFSL.

TFSL's Price/Earnings ratio is rather expensive when compared to the industry. TFSL is more expensive than 87.94% of the companies in the same industry.

When comparing the Price/Earnings ratio of TFSL to the average of the S&P500 Index (29.63), we can say TFSL is valued expensively.

The Price/Forward Earnings ratio is 42.13, which means the current valuation is very expensive for TFSL.

Compared to the rest of the industry, the Price/Forward Earnings ratio of TFSL indicates a rather expensive valuation: TFSL more expensive than 80.65% of the companies listed in the same industry.

TFSL's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.68.

		Industry Rank	Sector Rank
PE	47.57
Fwd PE	42.13

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, TFSL is valued a bit more expensive than 78.64% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	39.45
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TFSL does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)4.3

PEG (5Y)N/A

EPS Next 2Y8.22%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

TFSL has a Yearly Dividend Yield of 8.42%, which is a nice return.

TFSL's Dividend Yield is rather good when compared to the industry average which is at 3.18. TFSL pays more dividend than 99.50% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.27, TFSL pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	8.42%

5.2 History

The dividend of TFSL has a limited annual growth rate of 3.10%.

TFSL has been paying a dividend for at least 10 years, so it has a reliable track record.

TFSL has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)3.1%

Div Incr Years0

Div Non Decr Years9

5.3 Sustainability

73.91% of the earnings are spent on dividend by TFSL. This is not a sustainable payout ratio.

The dividend of TFSL is growing, but earnings are growing more, so the dividend growth is sustainable.

DP73.91%

EPS Next 2Y8.22%

EPS Next 3YN/A

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TFS FINANCIAL CORP

NASDAQ:TFSL (2/21/2025, 8:00:01 PM)

After market: 13.32 0 (0%)

13.32

-0.1 (-0.75%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/amc

Earnings (Next)04-28 2025-04-28/amc

Inst Owners90.91%

Inst Owner Change2.16%

Ins Owners0.56%

Ins Owner Change2.63%

Market Cap3.74B

Analysts45.71

Price Target15.05 (12.99%)

Short Float %0.97%

Short Ratio9.37

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.42%

Yearly Dividend0.21

Dividend Growth(5Y)3.1%

DP73.91%

Div Incr Years0

Div Non Decr Years9

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)13.84%

Min EPS beat(2)-1.96%

Max EPS beat(2)29.64%

EPS beat(4)3

Avg EPS beat(4)16.64%

Min EPS beat(4)-1.96%

Max EPS beat(4)29.64%

EPS beat(8)6

Avg EPS beat(8)17.91%

EPS beat(12)9

Avg EPS beat(12)13.1%

EPS beat(16)12

Avg EPS beat(16)11.32%

Revenue beat(2)1

Avg Revenue beat(2)-0.37%

Min Revenue beat(2)-2.11%

Max Revenue beat(2)1.36%

Revenue beat(4)2

Avg Revenue beat(4)-0.22%

Min Revenue beat(4)-5.5%

Max Revenue beat(4)5.38%

Revenue beat(8)4

Avg Revenue beat(8)-1.05%

Revenue beat(12)7

Avg Revenue beat(12)2%

Revenue beat(16)11

Avg Revenue beat(16)5.06%

PT rev (1m)0%

PT rev (3m)5.36%

EPS NQ rev (1m)6.06%

EPS NQ rev (3m)2.94%

EPS NY rev (1m)8.89%

EPS NY rev (3m)5%

Revenue NQ rev (1m)-4.38%

Revenue NQ rev (3m)-5.51%

Revenue NY rev (1m)-4.78%

Revenue NY rev (3m)-9.39%

Valuation

		Industry Rank	Sector Rank
PE	47.57
Fwd PE	42.13
P/S	12.36
P/FCF	39.45
P/OCF	38.24
P/B	1.95
P/tB	1.96
EV/EBITDA	N/A

EPS(TTM)0.28

EY2.1%

EPS(NY)0.32

Fwd EY2.37%

FCF(TTM)0.34

FCFY2.54%

OCF(TTM)0.35

OCFY2.62%

SpS1.08

BVpS6.82

TBVpS6.79

PEG (NY)4.3

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.47%
ROE	4.18%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.42%
GM	N/A
FCFM	31.34%

ROA(3y)0.45%

ROA(5y)0.5%

ROE(3y)3.99%

ROE(5y)4.29%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.37%

PM growth 5Y-1.3%

GM growth 3YN/A

GM growth 5YN/A

F-Score9

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	15.17%
Cap/Sales	0.99%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	118.63%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC6.79%

ROIC/WACCN/A

Cap/Depr(3y)18.09%

Cap/Depr(5y)13.6%

Cap/Sales(3y)1.2%

Cap/Sales(5y)1.03%

Profit Quality(3y)91.72%

Profit Quality(5y)104.67%

High Growth Momentum

Growth

EPS 1Y (TTM)7.69%

EPS 3Y-2.35%

EPS 5Y-0.72%

EPS Q2Q%14.29%

EPS Next Y11.07%

EPS Next 2Y8.22%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.83%

Revenue growth 3Y1.85%

Revenue growth 5Y1.18%

Sales Q2Q%-1.11%

Revenue Next Year1.5%

Revenue Next 2Y3.49%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-10.21%

FCF growth 3Y1.46%

FCF growth 5Y-2.92%

OCF growth 1Y-11.07%

OCF growth 3Y2.12%

OCF growth 5Y-2.97%

TFS FINANCIAL CORP (TFSL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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