TFS FINANCIAL CORP (TFSL)
US87240R1077 - Common Stock
Overall TFSL gets a fundamental rating of 3 out of 10. We evaluated TFSL against 406 industry peers in the Banks industry. While TFSL seems to be doing ok healthwise, there are quite some concerns on its profitability. While showing a medium growth rate, TFSL is valued expensive at the moment. TFSL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
TFSL had positive earnings in the past year.
TFSL had a positive operating cash flow in the past year.
Each year in the past 5 years TFSL has been profitable.
In the past 5 years TFSL always reported a positive cash flow from operatings.
1.2 Ratios
TFSL has a Return On Assets of 0.46%. This is in the lower half of the industry: TFSL underperforms 74.75% of its industry peers.
TFSL's Return On Equity of 4.20% is on the low side compared to the rest of the industry. TFSL is outperformed by 79.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 4.2% | ||
| 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's Profit Margin of 25.78% is fine compared to the rest of the industry. TFSL outperforms 67.08% of its industry peers.
In the last couple of years the Profit Margin of TFSL has remained more or less at the same level.
TFSL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.78% | ||
| 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
2. Health
2.1 Basic Checks
TFSL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TFSL remains at a similar level compared to 1 year ago.
TFSL has more shares outstanding than it did 5 years ago.
There is no outstanding debt for TFSL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
There is no outstanding debt for TFSL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.71%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TFSL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.
TFSL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.72% yearly.
The Revenue has decreased by -0.60% in the past year.
Measured over the past years, TFSL shows a small growth in Revenue. The Revenue has been growing by 1.18% on average per year.
EPS 1Y (TTM)0%
EPS 3Y-2.35%
EPS 5Y-0.72%
EPS Q2Q%-14.29%
Revenue 1Y (TTM)-0.6%
Revenue growth 3Y1.85%
Revenue growth 5Y1.18%
Sales Q2Q%-2.34%
3.2 Future
Based on estimates for the next years, TFSL will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.22% on average per year.
Based on estimates for the next years, TFSL will show a small growth in Revenue. The Revenue will grow by 6.89% on average per year.
EPS Next Y2%
EPS Next 2Y8.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.59%
Revenue Next 2Y6.89%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
TFSL is valuated quite expensively with a Price/Earnings ratio of 47.19.
89.11% of the companies in the same industry are cheaper than TFSL, based on the Price/Earnings ratio.
TFSL's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.73.
A Price/Forward Earnings ratio of 46.26 indicates a quite expensive valuation of TFSL.
TFSL's Price/Forward Earnings ratio is rather expensive when compared to the industry. TFSL is more expensive than 80.94% of the companies 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 22.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 47.19 | ||
| Fwd PE | 46.26 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TFSL is valued a bit more expensive than the industry average as 77.23% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 41.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)23.59
PEG (5Y)N/A
EPS Next 2Y8.22%
EPS Next 3YN/A
5. Dividend
5.1 Amount
TFSL has a Yearly Dividend Yield of 8.50%, which is a nice return.
TFSL's Dividend Yield is rather good when compared to the industry average which is at 3.02. TFSL pays more dividend than 99.50% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.24, TFSL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.5% |
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.
As TFSL did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)3.1%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
TFSL pays out 75.42% of its income as dividend. This is not a sustainable payout ratio.
The dividend of TFSL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP75.42%
EPS Next 2Y8.22%
EPS Next 3YN/A
TFS FINANCIAL CORP
NASDAQ:TFSL (12/20/2024, 8:00:01 PM)
After market: 12.74 0 (0%)12.74
+0.16 (+1.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners9.76%
Inst Owner Change1.3%
Ins Owners0.51%
Ins Owner Change3.73%
Market Cap3.58B
Analysts45.71
Price Target14.79 (16.09%)
Short Float %0.97%
Short Ratio9.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.5% |
Dividend Growth(5Y)3.1%
DP75.42%
Div Incr Years0
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)10.29%
Min EPS beat(2)-1.96%
Max EPS beat(2)22.55%
EPS beat(4)3
Avg EPS beat(4)12.82%
Min EPS beat(4)-1.96%
Max EPS beat(4)22.55%
EPS beat(8)5
Avg EPS beat(8)13.66%
EPS beat(12)9
Avg EPS beat(12)11.2%
EPS beat(16)12
Avg EPS beat(16)11.1%
Revenue beat(2)1
Avg Revenue beat(2)-2.07%
Min Revenue beat(2)-5.5%
Max Revenue beat(2)1.36%
Revenue beat(4)2
Avg Revenue beat(4)-1.7%
Min Revenue beat(4)-8.02%
Max Revenue beat(4)5.38%
Revenue beat(8)4
Avg Revenue beat(8)-0.86%
Revenue beat(12)8
Avg Revenue beat(12)3.2%
Revenue beat(16)12
Avg Revenue beat(16)5.76%
PT rev (1m)3.57%
PT rev (3m)3.57%
EPS NQ rev (1m)0.83%
EPS NQ rev (3m)-1.63%
EPS NY rev (1m)-3.57%
EPS NY rev (3m)3.85%
Revenue NQ rev (1m)-3.88%
Revenue NQ rev (3m)1.53%
Revenue NY rev (1m)-4.85%
Revenue NY rev (3m)9.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 47.19 | ||
| Fwd PE | 46.26 | ||
| P/S | 11.8 | ||
| P/FCF | 41.81 | ||
| P/OCF | 40.36 | ||
| P/B | 1.92 | ||
| P/tB | 1.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.27
EY2.12%
EPS(NY)0.28
Fwd EY2.16%
FCF(TTM)0.3
FCFY2.39%
OCF(TTM)0.32
OCFY2.48%
SpS1.08
BVpS6.64
TBVpS6.61
PEG (NY)23.59
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 4.2% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.78% | ||
| GM | N/A | ||
| FCFM | 28.21% |
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-Score7
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 16.1% | ||
| Cap/Sales | 1.01% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 109.43% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC6.71%
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)0%
EPS 3Y-2.35%
EPS 5Y-0.72%
EPS Q2Q%-14.29%
EPS Next Y2%
EPS Next 2Y8.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.6%
Revenue growth 3Y1.85%
Revenue growth 5Y1.18%
Sales Q2Q%-2.34%
Revenue Next Year6.59%
Revenue Next 2Y6.89%
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-0.1%
FCF growth 3Y1.46%
FCF growth 5Y-2.92%
OCF growth 1Y-2.34%
OCF growth 3Y2.12%
OCF growth 5Y-2.97%