TFS Financial Corporation (TFSL) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TFSL SEC filings page.
TFS Financial Corporation (TFSL) reported $343.7M in revenue over the twelve months to Jun 30, 2026, up 10.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
The balance sheet expanded, but rising leverage and modest asset returns keep earnings growth from translating into broad efficiency.
Assets reached$17.5B in FY2025, up from$14.1B in FY2021. Over that span, return on assets eased from0.6% to0.5% , so balance-sheet growth did not improve asset efficiency.
The reported debt-to-equity ratio rose from 7.1x in FY2021 to 8.2x in FY2025. With liabilities at
Operating cash flow was
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of TFS Financial Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
TFS Financial Corporation earned a return on assets of 0.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and TFS Financial Corporation scores 26/100 among other banks.
TFS Financial Corporation reported revenue of $321.5M in fiscal year 2025, against $303.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and TFS Financial Corporation scores 26/100 among other banks.
TFS Financial Corporation funded 10.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.9B of equity against $17.5B of assets. Capital ranks banks on that cushion, and TFS Financial Corporation scores 43/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. TFS Financial Corporation scores 43/100 on it among other banks.
Not available for TFS Financial Corporation, and counted as zero in the overall score.
TFS Financial Corporation reported net income of $91.0M in fiscal year 2025, against $79.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and TFS Financial Corporation scores 93/100 among other banks.
TFS Financial Corporation passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, TFS Financial Corporation 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.
Key Financial Metrics
Earnings & Revenue
TFS Financial Corporation generated $89.3M in revenue in Q3 2026. This represents an increase of 8.8% from the same quarter a year earlier. Against the prior quarter it is up 4.7%.
TFS Financial Corporation reported $30.5M in net income in Q3 2026. This represents an increase of 42.0% from the same quarter a year earlier. Against the prior quarter it is up 31.4%.
TFS Financial Corporation earned $0.11 per diluted share (EPS) in Q3 2026. This represents an increase of 37.5% from the same quarter a year earlier. Against the prior quarter it is up 37.5%.
Not reported for Q3 2026.
Cash & Balance Sheet
TFS Financial Corporation generated $29.0M in free cash flow in Q3 2026, representing cash available after capex. This represents an increase of 16.0% from the same quarter a year earlier. Against the prior quarter it is up 116.8%.
TFS Financial Corporation held $568.9M in cash as of Q3 2026; long-term debt is not reported for that period.
TFS Financial Corporation paid $0.28 per share in dividends in Q3 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
TFS Financial Corporation's net profit margin was 34.2% in Q3 2026, showing the share of revenue converted to profit. This is up 8.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.9 percentage points.
TFS Financial Corporation's ROE was 1.6% in Q3 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q3 2026.
Not reported for Q3 2026.
Capital Allocation
TFS Financial Corporation spent $1.2M on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 59.5% from the same quarter a year earlier. Against the prior quarter it is down 43.2%.
TFS Financial Corporation invested $3.5M in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 101.2% from the same quarter a year earlier. Against the prior quarter it is down 18.3%.
Not reported for Q3 2026.
TFSL Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $89.3M+8.8% | $85.2M+7.7% | $83.7M+11.9% | $85.5M+13.8% | $82.0M+8.6% | $79.1M+2.6% | $74.8M-0.8% | $75.1M-0.4% |
| SG&A Expenses | $28.4M+2.9% | $30.2M+9.1% | $30.5M+14.6% | $27.6M+4.8% | $27.7M+3.0% | $27.7M+0.6% | $26.6M-1.9% | $26.3M-8.2% |
| Interest Expense | $120.7M+3.7% | $117.7M+3.3% | $122.1M+3.1% | $121.7M+1.6% | $116.4M+0.7% | $113.9M+1.6% | $118.4M+9.6% | $119.8M+21.8% |
| Income Tax | $8.1M+39.3% | $6.6M+19.8% | $6.2M+4.4% | $6.4M+33.2% | $5.8M+10.7% | $5.5M+6.1% | $6.0M+10.0% | $4.8M+23.0% |
| Net Income | $30.5M+42.0% | $23.2M+10.6% | $22.3M-0.7% | $26.0M+42.7% | $21.5M+7.8% | $21.0M+1.5% | $22.4M+8.3% | $18.2M-6.8% |
| EPS (Basic) | $0.11+37.5% | $0.08+14.3% | $0.080.0% | $0.09+50.0% | $0.08+14.3% | $0.070.0% | $0.08+14.3% | $0.06-14.3% |
| EPS (Diluted) | $0.11+37.5% | $0.08+14.3% | $0.080.0% | $0.09+50.0% | $0.08+14.3% | $0.070.0% | $0.08+14.3% | $0.060.0% |
| Diluted Shares (Avg) | 280M+0.1% | 280M+0.1% | 280M+0.1% | N/A | 280M+0.2% | 280M+0.2% | 280M+0.2% | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
TFSL Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $18.1B+4.0% | $17.5B+2.2% | $17.5B+2.6% | $17.5B+2.1% | $17.4B+2.0% | $17.1B+0.6% | $17.1B0.0% | $17.1B+1.0% |
| Cash & Equivalents | $568.9M+25.7% | $437.3M-5.7% | $456.7M-2.0% | $429.4M-7.4% | $452.6M-19.2% | $463.6M-22.0% | $465.9M-15.6% | $463.7M-0.6% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $16.1B+4.1% | $15.6B+2.2% | $15.6B+3.0% | $15.6B+2.2% | $15.5B+2.4% | $15.2B+0.7% | $15.1B-0.3% | $15.2B+1.6% |
| Total Equity | $2.0B+3.7% | $1.9B+1.4% | $1.9B-0.7% | $1.9B+1.7% | $1.9B-1.4% | $1.9B-0.6% | $1.9B+2.5% | $1.9B-3.4% |
| Retained Earnings | $977.6M+4.5% | $962.2M+3.6% | $954.2M+3.4% | $946.8M+3.4% | $935.7M+2.6% | $929.2M+2.5% | $923.1M+2.5% | $915.5M+3.2% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
TFSL Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $32.5M+21.5% | $17.6M-16.9% | $58.7M+29.0% | -$11.1M+81.1% | $26.8M-72.3% | $21.2M+49.4% | $45.5M+25.4% | -$58.7M-524.4% |
| Depreciation & Amortization | $6.8M+13.5% | $5.8M+5.3% | $6.3M+17.9% | -$12.2M-28.9% | $5.9M+19.4% | $5.6M+23.0% | $5.3M+15.9% | -$9.5M-11.7% |
| Stock-Based Compensation | $1.6M+69.4% | $1.6M+65.6% | $2.7M+13.0% | N/A | $947K+12.7% | $950K-18.9% | $2.3M+1.2% | N/A |
| Capital Expenditures | $3.5M+101.2% | $4.2M-38.9% | $1.7M+160.9% | $2.1M+199.7% | $1.7M+107.0% | $6.9M+755.5% | $637K-9.4% | $715K-32.1% |
| Free Cash Flow | $29.0M+16.0% | $13.4M-6.2% | $57.1M+27.1% | -$13.2M+77.7% | $25.0M-73.9% | $14.3M+6.6% | $44.9M+26.1% | -$59.4M-565.0% |
| Investing Cash Flow | -$503.4M-90.7% | -$8.4M+80.8% | $14.0M+612.7% | -$73.6M+34.2% | -$264.0M-514.4% | -$43.6M-160.6% | -$2.7M+93.5% | -$111.9M+60.7% |
| Financing Cash Flow | $602.6M+166.3% | -$28.7M-243.3% | -$45.4M-11.9% | $61.6M-16.6% | $226.3M+358.1% | $20.0M+145.9% | -$40.6M-144.9% | $73.8M-75.5% |
| Dividends Paid | $14.9M+0.2% | $14.9M+0.2% | $15.1M+1.4% | $14.9M+0.8% | $14.9M+1.2% | $14.9M+1.2% | $14.9M+0.9% | $14.8M+1.3% |
| Share Buybacks | $1.2M+59.5% | $2.1M | $3.0M+289.6% | $2.5M+246500.0% | $744K+12300.0% | $0 | $767K-60.0% | $1K-99.7% |
TFSL Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 34.2%+8.0pp | 27.3%+0.7pp | 26.6%-3.4pp | 30.4%+6.2pp | 26.2%-0.2pp | 26.6%-0.3pp | 30.0%+2.5pp | 24.2%-1.7pp |
| Return on Equity | 1.6%+0.4pp | 1.2%+0.1pp | 1.2%0.0pp | 1.4%+0.4pp | 1.1%+0.1pp | 1.1%0.0pp | 1.2%+0.1pp | 1.0%0.0pp |
| Return on Assets | 0.2%+0.1pp | 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 |
| Debt-to-Equity | 8.230.0x | 8.09+0.1x | 8.21+0.3x | 8.220.0x | 8.20+0.3x | 8.02+0.1x | 7.91-0.2x | 8.18+0.4x |
| Asset Turnover | 0.000.0x | 0.000.0x | 0.000.0x | 0.000.0x | 0.000.0x | 0.000.0x | 0.000.0x | 0.000.0x |
| FCF Margin | 32.5%+2.0pp | 15.7%-2.3pp | 68.2%+8.2pp | -15.5%+63.5pp | 30.5% | 18.1%+0.7pp | 60.0%+12.8pp | -79.0%-96.0pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| TFS Financial Corporation TFSL | FY2025 | $321.5M | $91.0M | 28.3% | $4.5B | 39/100 |
| Fulton Financial Corp FULT | FY2025 | $1.3B | $391.6M | 29.8% | $4.2B | 50/100 |
| International Bancshares Corp IBOC | FY2025 | $842.2M | $412.3M | 49.0% | $4.2B | 60/100 |
| United Community Banks, Inc. UCB | FY2025 | $1.1B | $328.1M | 30.9% | $4.0B | 60/100 |
| Renasant Corporation RNST | FY2025 | $985.8M | $181.3M | 18.4% | $3.6B | 59/100 |
Where TFS Financial Corporation Ranks
Frequently Asked Questions
What is TFS Financial Corporation's annual revenue?
TFS Financial Corporation (TFSL) reported $321.5M in total revenue for fiscal year 2025. This represents a 6.0% 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 Financial Corporation's revenue growing?
TFS Financial Corporation (TFSL) revenue grew by 6.0% year-over-year, from $303.2M to $321.5M in fiscal year 2025.
Is TFS Financial Corporation profitable?
Yes, TFS Financial Corporation (TFSL) reported a net income of $91.0M in fiscal year 2025, with a net profit margin of 28.3%.
What is TFS Financial Corporation's net profit margin?
TFS Financial Corporation (TFSL) had a net profit margin of 28.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does TFS Financial Corporation pay dividends?
Yes, TFS Financial Corporation (TFSL) paid $1.13 per share in dividends during fiscal year 2025.
What is TFS Financial Corporation's return on equity (ROE)?
TFS Financial Corporation (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 Financial Corporation's free cash flow?
TFS Financial Corporation (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 Financial Corporation's operating cash flow?
TFS Financial Corporation (TFSL) generated $82.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are TFS Financial Corporation's total assets?
TFS Financial Corporation (TFSL) had $17.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are TFS Financial Corporation's capital expenditures?
TFS Financial Corporation (TFSL) invested $11.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is TFS Financial Corporation's debt-to-equity ratio?
TFS Financial Corporation (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 Financial Corporation's return on assets (ROA)?
TFS Financial Corporation (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 Financial Corporation's P/E ratio?
TFS Financial Corporation (TFSL) trades at 44.2x earnings, its market capitalization divided by net income of $102.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $4.5B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is TFS Financial Corporation's price-to-sales ratio?
TFS Financial Corporation (TFSL) trades at 13.1x sales, its market capitalization divided by revenue of $343.7M revenue, trailing 12 months to June 30, 2026. The market capitalization is $4.5B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is TFS Financial Corporation's Piotroski F-Score?
TFS Financial Corporation (TFSL) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are TFS Financial Corporation's earnings high quality?
TFS Financial Corporation (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 Financial Corporation?
TFS Financial Corporation (TFSL) scores 39 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.