Stock TFSL TFS FINANCIAL CORPORATION
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Financials TFS Financial Corporation

Equities

TFSL

US87240R1077

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
12.2 USD -0.33% Intraday chart for TFS Financial Corporation +0.74% -16.95%
Feb. 22 TFS Financial Keeps Quarterly Dividend at $0.2825 per Share; Payable March 21 to Shareholders of Record on March 7 MT
Feb. 22 TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 21, 2024 CI

Valuation

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 4,963 4,055 5,278 3,605 3,280 3,393 -
Enterprise Value (EV) 1 4,963 4,055 5,278 3,605 3,280 3,393 3,393
P/E ratio 64.4 x 49 x 65.7 x 50 x 45.5 x 51.9 x 46.9 x
Yield 5.66% 7.56% 5.89% 8.69% 9.56% 9.26% 9.26%
Capitalization / Revenue 18.7 x 16.7 x 18.4 x 13.5 x - 12.2 x 11.4 x
EV / Revenue 18.7 x 16.7 x 18.4 x 13.5 x - 12.2 x 11.4 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 2.32 x 2.46 x 3.09 x 1.98 x - 1.82 x 1.82 x
Nbr of stocks (in thousands) 275,431 276,033 276,940 277,333 277,512 278,111 -
Reference price 2 18.02 14.69 19.06 13.00 11.82 12.20 12.20
Announcement Date 10/30/19 10/29/20 10/28/21 10/27/22 10/26/23 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025
Net sales 1 265.4 242.3 286.9 267.4 - 278.3 297.1
EBITDA - - - - - - -
EBIT 1 92.21 103.2 90.82 93.05 - 84.88 88.23
Operating Margin 34.74% 42.62% 31.65% 34.8% - 30.5% 29.7%
Earnings before Tax (EBT) 1 102.2 100.2 100.1 92.05 - 82.6 91.28
Net income 1 80.24 83.32 81.01 74.56 - 66.13 73.3
Net margin 30.23% 34.39% 28.23% 27.89% - 23.76% 24.67%
EPS 2 0.2800 0.3000 0.2900 0.2600 0.2600 0.2350 0.2600
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.020 1.110 1.122 1.130 1.130 1.130 1.130
Announcement Date 10/30/19 10/29/20 10/28/21 10/27/22 10/26/23 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: September 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 66.08 57.84 62.74 67.3 75.51 75.16 69.27 68.78 - 69.09 68.62 69.73 69.92 70.76 73.24
EBITDA - - - - - - - - - - - - - - -
EBIT 1 18.63 18.32 18.36 21.22 31.15 27.12 19.02 21.74 - 25.13 21.09 20.38 19.29 19.39 20.46
Operating Margin 28.2% 31.68% 29.26% 31.53% 41.25% 36.08% 27.46% 31.62% - 36.37% 30.73% 29.22% 27.59% 27.4% 27.94%
Earnings before Tax (EBT) 1 20.63 20.32 19.36 21.22 31.15 28.12 20.02 21.74 - 26.13 19.62 20.19 19.62 19.83 21.6
Net income 1 17.02 16.14 15.84 17.15 25.43 22.19 15.91 17.6 - 20.71 15.77 16.24 15.69 15.94 17.38
Net margin 25.75% 27.9% 25.25% 25.48% 33.68% 29.53% 22.97% 25.59% - 29.97% 22.98% 23.28% 22.44% 22.53% 23.72%
EPS 2 0.0600 0.0600 0.0600 0.0600 0.0900 0.0800 0.0600 0.0600 0.0700 0.0700 0.0550 0.0600 0.0550 0.0550 0.0650
Dividend per Share 2 0.2825 0.2825 0.2825 0.2825 0.2825 0.2825 0.2825 0.2825 0.2825 0.2825 0.2800 0.2800 0.2800 0.2800 0.2800
Announcement Date 10/28/21 1/28/22 4/28/22 7/28/22 10/27/22 1/26/23 4/28/23 7/27/23 10/26/23 1/30/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: September 2019 2020 2021 2022 2024 2025
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 4.58% 4.88% 4.77% 4.14% 3.5% 3.91%
ROA (Net income/ Total Assets) 0.56% 0.56% 0.56% 0.51% 0.39% 0.42%
Assets 1 14,328 14,878 14,466 14,621 17,176 17,662
Book Value Per Share 2 7.760 5.970 6.170 6.570 6.710 6.720
Cash Flow per Share - - - - - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 10/30/19 10/29/20 10/28/21 10/27/22 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
2
Last Close Price
12.2 USD
Average target price
14.5 USD
Spread / Average Target
+18.85%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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