Tfs Finl Corp Financials
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Tfs Finl Corp's revenue grew a modest 4.0% year-over-year to $763.2M. This slow but positive growth earns a score of 40/100.
Tfs Finl Corp has elevated debt relative to equity (D/E of 8.22), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Tfs Finl Corp has a free cash flow margin of 9.3%, earning a moderate score of 47/100. The company generates positive cash flow after capital investments, but with room for improvement.
Tfs Finl Corp generates a 4.8% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 19/100. This is up from 4.3% the prior year.
Tfs Finl Corp passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Tfs Finl Corp generates $0.91 in operating cash flow ($82.4M OCF vs $91.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
This page shows Tfs Finl Corp (TFSL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Tfs Finl Corp generated $763.2M in revenue in fiscal year 2025. This represents an increase of 4.0% from the prior year.
Tfs Finl Corp generated $71.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 17.0% from the prior year.
Tfs Finl Corp reported $91.0M in net income in fiscal year 2025. This represents an increase of 14.3% from the prior year.
Tfs Finl Corp earned $0.32 per diluted share (EPS) in fiscal year 2025. This represents an increase of 14.3% from the prior year.
Tfs Finl Corp held $429.4M in cash against $0 in long-term debt as of fiscal year 2025.
Tfs Finl Corp paid $1.13 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Tfs Finl Corp had 281M shares outstanding in fiscal year 2025. This represents a decrease of 0.0% from the prior year.
Tfs Finl Corp's net profit margin was 11.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.1 percentage points from the prior year.
Tfs Finl Corp's ROE was 4.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the prior year.
Tfs Finl Corp spent $4.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 106.6% from the prior year.
Tfs Finl Corp invested $11.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 273.8% from the prior year.
TFSL Income Statement
| Metric | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $197.8M+3.3% | $191.4M+2.9% | $186.0M-0.4% | $186.8M+1.0% | $184.9M+0.8% | $183.5M+3.6% | $177.2M+13.1% | $156.7M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $122.1M+4.9% | $116.4M+2.2% | $113.9M-3.8% | $118.4M+2.4% | $115.6M+3.1% | $112.1M+3.7% | $108.1M+23.0% | $87.9M |
| Income Tax | $6.2M+6.5% | $5.8M+6.1% | $5.5M-7.6% | $6.0M+13.0% | $5.3M+1.7% | $5.2M-4.3% | $5.4M+30.9% | $4.1M |
| Net Income | $22.3M+3.5% | $21.5M+2.3% | $21.0M-6.3% | $22.4M+12.4% | $20.0M-3.7% | $20.7M0.0% | $20.7M+17.6% | $17.6M |
| EPS (Diluted) | $0.080.0% | $0.08+14.3% | $0.07-12.5% | $0.08+14.3% | $0.070.0% | $0.070.0% | $0.07+16.7% | $0.06 |
TFSL Balance Sheet
| Metric | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $17.5B+0.7% | $17.4B+1.5% | $17.1B+0.3% | $17.1B-0.2% | $17.1B+0.4% | $17.0B-0.2% | $17.1B+0.8% | $16.9B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $456.7M+0.9% | $452.6M-2.4% | $463.6M-0.5% | $465.9M+0.5% | $463.7M-22.0% | $594.3M+7.7% | $551.8M+18.2% | $466.7M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $15.6B+0.7% | $15.5B+1.8% | $15.2B+0.5% | $15.1B-0.6% | $15.2B+0.8% | $15.1B-0.5% | $15.2B+1.3% | $15.0B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $1.9B+0.7% | $1.9B-0.5% | $1.9B-0.9% | $1.9B+2.8% | $1.9B-2.4% | $1.9B+2.2% | $1.9B-3.1% | $1.9B |
| Retained Earnings | $954.2M+2.0% | $935.7M+0.7% | $929.2M+0.7% | $923.1M+0.8% | $915.5M+0.9% | $906.9M+0.7% | $901.0M+1.6% | $887.0M |
TFSL Cash Flow Statement
| Metric | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $58.7M+119.6% | $26.8M+26.0% | $21.2M-53.4% | $45.5M+177.6% | -$58.7M-512.9% | $14.2M-60.9% | $36.3M+162.7% | $13.8M |
| Capital Expenditures | $1.7M-3.7% | $1.7M-75.2% | $6.9M+990.6% | $637K-10.9% | $715K-11.9% | $812K+15.5% | $703K-33.2% | $1.1M |
| Free Cash Flow | $57.1M+128.1% | $25.0M+75.3% | $14.3M-68.2% | $44.9M+175.6% | -$59.4M-543.3% | $13.4M-62.4% | $35.6M+178.9% | $12.8M |
| Investing Cash Flow | $14.0M+105.3% | -$264.0M-505.6% | -$43.6M-1500.0% | -$2.7M+97.6% | -$111.9M-255.4% | $72.0M+272.0% | -$41.8M+85.3% | -$284.5M |
| Financing Cash Flow | -$45.4M-120.1% | $226.3M+1029.9% | $20.0M+149.3% | -$40.6M-155.0% | $73.8M+269.3% | -$43.6M-148.2% | $90.5M-69.9% | $301.2M |
| Dividends Paid | $15.1M+1.6% | $14.9M-0.2% | $14.9M0.0% | $14.9M+1.0% | $14.8M+0.1% | $14.7M-0.3% | $14.8M+1.4% | $14.6M |
| Share Buybacks | $3.0M+301.6% | $744K | $0-100.0% | $767K+76600.0% | $1K | $0-100.0% | $1.9M+460.8% | $342K |
TFSL Financial Ratios
| Metric | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 11.3%+0.0pp | 11.2%-0.1pp | 11.3%-0.7pp | 12.0%+1.2pp | 10.8%-0.5pp | 11.3%-0.4pp | 11.7%+0.5pp | 11.2% |
| Return on Equity | 1.2%+0.0pp | 1.1%+0.0pp | 1.1%-0.1pp | 1.2%+0.1pp | 1.0%-0.1pp | 1.1%-0.0pp | 1.1%+0.2pp | 0.9% |
| Return on Assets | 0.1%+0.0pp | 0.1%0.0pp | 0.1%-0.0pp | 0.1%+0.0pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%0.0pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.210.0 | 8.20+0.2 | 8.02+0.1 | 7.91-0.3 | 8.18+0.3 | 7.92-0.2 | 8.14+0.4 | 7.78 |
| FCF Margin | 28.9%+15.8pp | 13.1%+5.4pp | 7.7%-16.4pp | 24.0%-27.8pp | 51.9%+44.6pp | 7.3%-12.8pp | 20.1%-0.4pp | 20.5% |
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Frequently Asked Questions
What is Tfs Finl Corp's annual revenue?
Tfs Finl Corp (TFSL) reported $763.2M in total revenue for fiscal year 2025. This represents a 4.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Tfs Finl Corp's revenue growing?
Tfs Finl Corp (TFSL) revenue grew by 4% year-over-year, from $734.1M to $763.2M in fiscal year 2025.
Is Tfs Finl Corp profitable?
Yes, Tfs Finl Corp (TFSL) reported a net income of $91.0M in fiscal year 2025, with a net profit margin of 11.9%.
What is Tfs Finl Corp's earnings per share (EPS)?
Tfs Finl Corp (TFSL) reported diluted earnings per share of $0.32 for fiscal year 2025. This represents a 14.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Tfs Finl Corp's net profit margin?
Tfs Finl Corp (TFSL) had a net profit margin of 11.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Tfs Finl Corp pay dividends?
Yes, Tfs Finl Corp (TFSL) paid $1.13 per share in dividends during fiscal year 2025.
What is Tfs Finl Corp's return on equity (ROE)?
Tfs Finl Corp (TFSL) has a return on equity of 4.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Tfs Finl Corp's free cash flow?
Tfs Finl Corp (TFSL) generated $71.0M in free cash flow during fiscal year 2025. This represents a -17.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Tfs Finl Corp's operating cash flow?
Tfs Finl Corp (TFSL) generated $82.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Tfs Finl Corp's total assets?
Tfs Finl Corp (TFSL) had $17.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Tfs Finl Corp's capital expenditures?
Tfs Finl Corp (TFSL) invested $11.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Tfs Finl Corp buy back shares?
Yes, Tfs Finl Corp (TFSL) spent $4.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Tfs Finl Corp have outstanding?
Tfs Finl Corp (TFSL) had 281M shares outstanding as of fiscal year 2025.
What is Tfs Finl Corp's debt-to-equity ratio?
Tfs Finl Corp (TFSL) had a debt-to-equity ratio of 8.22 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Tfs Finl Corp's return on assets (ROA)?
Tfs Finl Corp (TFSL) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Tfs Finl Corp's Piotroski F-Score?
Tfs Finl Corp (TFSL) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Tfs Finl Corp's earnings high quality?
Tfs Finl Corp (TFSL) has an earnings quality ratio of 0.91x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Tfs Finl Corp?
Tfs Finl Corp (TFSL) scores 26 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.