Friday 6 November 2026 Export TFSL’s income statement to Excel — free account

TFS Financial Corporation

TFS Financial Corporation’s revenue for fiscal 2025 (year ended September 2025) was $792.0 million, up 4.37% from fiscal 2024.

Revenue: +5.82%
EPS: +37.5%
Free cash flow: +16.0%
Total debt: +19.0%

Quarter to June 2026, against a year earlier

16.42 0.01 −0.06%

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Market cap: $4.6B
P/E: 45.8×
Fwd P/E: 46.1×
Dividend yield: 7.07%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

	Sep '16	Sep '17	Sep '18	Sep '19	Sep '20	Sep '21	Sep '22	Sep '23	Sep '24	Sep '25
Piotroski F-Score Full definition →	—	6	6	5	6	5	4	5	6	5
P/E ratio Full definition →	63.61	51.61	49.27	64.36	48.97	65.72	48.15	42.59	47.63	41.19
P/S ratio Full definition →	12.13	10.34	8.77	9.87	7.97	11.86	8.32	5.04	4.71	4.64
P/FCF ratio Full definition →	66.17	45.72	48.64	50.02	28.44	64.46	98.47	37.26	41.82	51.76
P/Operating CF Full definition →	167.43	223.85	169.41	163.41	133.30	(138.03)	(295.95)	230.76	(60.96)	(330.85)
P/B ratio Full definition →	3.02	2.62	2.32	2.92	2.42	3.04	1.96	1.66	1.92	1.94
Price to Tangible BV Full definition →	3.04	2.64	2.33	2.94	2.44	3.06	1.96	1.66	1.93	1.95
EV/Sales Full definition →	18.15	18.28	16.20	17.09	13.91	17.72	18.54	12.63	10.42	10.25
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	88.35	77.48	81.69	83.40	58.10	94.73	206.26	88.15	89.24	98.45
EV/FCF Full definition →	98.99	80.80	89.86	86.58	49.65	96.28	219.28	93.40	92.43	114.34
Quick Ratio Full definition →	0.03	0.03	0.03	0.03	0.05	0.05	0.04	0.05	0.05	0.04
Current Ratio Full definition →	1.43	1.55	1.55	1.53	1.47	1.44	1.63	1.64	1.54	1.54
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	21.07%	26.81%	26.33%	26.84%	24.05%	21.99%	30.36%	31.17%	28.04%	27.90%
Debt/Equity Full definition →	1.64	2.17	2.12	2.30	2.11	1.78	2.60	2.74	2.57	2.57
Asset Turnover Full definition →	0.03	0.03	0.03	0.04	0.03	0.03	0.03	0.04	0.04	0.05
Operating CF/Net income Full definition →	1.06	1.15	1.09	1.31	1.49	1.05	0.53	1.23	1.13	0.92
Capex/Depreciation Full definition →	(0.47)	(0.20)	(0.33)	(0.16)	0.63	(0.04)	(0.09)	(0.28)	(0.16)	(0.50)
ROE Full definition →	4.71%	5.25%	4.88%	4.56%	4.85%	4.67%	4.09%	3.91%	4.12%	4.77%
ROA Full definition →	0.63%	0.66%	0.61%	0.55%	0.56%	0.55%	0.49%	0.45%	0.46%	0.52%
ROIC Full definition →	1.84%	1.64%	1.45%	1.20%	1.33%	1.44%	0.92%	0.87%	1.01%	1.13%
Return on Tangible Assets Full definition →	2.18%	1.92%	1.78%	1.65%	1.85%	1.99%	1.28%	1.20%	1.39%	1.57%
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	41.85%	38.57%	39.03%	36.55%	38.40%	42.02%	45.98%	33.41%	26.73%	26.11%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	3.25%	2.62%	2.44%	2.34%	2.38%	3.08%	2.54%	1.58%	1.25%	1.22%
Graham Net Nets Full definition →	0.15	0.16	0.20	0.14	0.17	0.14	0.20	0.22	0.18	0.18
Graham Number Full definition →	6.10	6.52	6.56	6.23	6.40	6.39	6.36	6.50	6.38	6.99
Earnings Yield Full definition →	1.57%	1.94%	2.03%	1.55%	2.04%	1.52%	2.08%	2.35%	2.10%	2.43%
Free Cash Flow Yield Full definition →	1.51%	2.19%	2.06%	2.00%	3.52%	1.55%	1.02%	2.68%	2.39%	1.93%
Revenue per Share Full definition →	1.47	1.55	1.69	1.82	1.84	1.61	1.56	2.28	2.73	2.84
Operating CF per Share Full definition →	0.30	0.36	0.33	0.37	0.44	0.30	0.14	0.33	0.32	0.30
Capex per Share Full definition →	(0.03)	(0.01)	(0.03)	(0.01)	0.08	0.00	(0.01)	(0.02)	(0.01)	(0.04)
Free Cash Flow per Share Full definition →	0.27	0.35	0.30	0.36	0.52	0.30	0.13	0.31	0.31	0.25
Cash per Share Full definition →	0.82	0.97	0.98	1.00	1.81	1.76	1.33	1.68	1.67	1.54
Shareholders Equity per Share Full definition →	5.90	6.10	6.38	6.16	6.06	6.26	6.65	6.95	6.70	6.80
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	5.90	6.10	6.38	6.16	6.06	6.26	6.65	6.95	6.70	6.80
Free Cash Flow Full definition →	75.79	97.02	83.74	99.22	142.51	81.82	36.62	85.62	85.54	70.97
Working Capital Full definition →	3,592.46	4,528.34	4,657.69	4,709.00	4,383.41	3,955.07	5,671.40	6,126.91	5,570.03	5,664.29
Capital Expenditures Full definition →	(9.12)	(4.15)	(8.37)	(3.78)	20.71	(1.34)	(2.31)	(5.10)	(3.06)	(11.45)
Net Current Asset Value Full definition →	731.95	720.75	801.49	669.78	704.23	712.15	731.01	699.04	634.79	650.58
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.02	0.01	0.02	0.01	(0.04)	0.00	0.01	0.01	0.00	0.01
Price to Operating Income Full definition →	40.98	33.26	33.62	48.55	40.42	52.69	39.17	34.17	35.66	32.02
Other line items
Depreciation/Fixed assets Full definition →	0.32	0.34	0.40	0.37	0.79	0.87	0.78	0.52	0.57	0.58
Cash ROIC Full definition →	1.64%	1.72%	1.46%	1.69%	2.50%	1.54%	0.52%	1.12%	1.20%	0.99%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.01	0.02	0.02	0.03	0.02	0.02	0.02	0.04	0.05	0.05
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	25,765.08	22,869.84	19,120.00	14,768.03	15,806.82	20,813.12	22,940.96	10,504.53	8,167.41	8,104.69
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	8,308.61	8,241.50	8,321.60	8,628.98	8,995.97	9,109.58	8,957.31	9,185.42	9,822.45	10,321.03
Average Assets Full definition →	12,637.48	13,299.31	13,914.95	14,339.85	14,592.29	14,349.84	14,923.67	16,353.93	17,004.39	17,273.56
Average Common Equity Full definition →	1,694.91	1,675.21	1,724.18	1,727.58	1,684.30	1,702.07	1,788.31	1,885.85	1,894.99	1,878.27

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