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Friday 6 November 2026
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TFS Financial Corporation
TFSL Financial Banks Regional
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
16.47
0.24
−1.44%
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| Sep '25 | Sep '24 | Sep '23 | Sep '22 | Sep '21 | Sep '20 | Sep '19 | Sep '18 | Sep '17 | Sep '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
5 | 6 | 5 | 4 | 5 | 6 | 5 | 6 | 6 | — |
P/E ratio |
41.19 | 47.63 | 42.59 | 48.15 | 65.72 | 48.97 | 64.36 | 49.27 | 51.61 | 63.61 |
P/S ratio |
4.64 | 4.71 | 5.04 | 8.32 | 11.86 | 7.97 | 9.87 | 8.77 | 10.34 | 12.13 |
P/FCF ratio |
51.76 | 41.82 | 37.26 | 98.47 | 64.46 | 28.44 | 50.02 | 48.64 | 45.72 | 66.17 |
P/Operating CF |
(330.85) | (60.96) | 230.76 | (295.95) | (138.03) | 133.30 | 163.41 | 169.41 | 223.85 | 167.43 |
P/B ratio |
1.94 | 1.92 | 1.66 | 1.96 | 3.04 | 2.42 | 2.92 | 2.32 | 2.62 | 3.02 |
Price to Tangible BV |
1.95 | 1.93 | 1.66 | 1.96 | 3.06 | 2.44 | 2.94 | 2.33 | 2.64 | 3.04 |
EV/Sales |
10.25 | 10.42 | 12.63 | 18.54 | 17.72 | 13.91 | 17.09 | 16.20 | 18.28 | 18.15 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
98.45 | 89.24 | 88.15 | 206.26 | 94.73 | 58.10 | 83.40 | 81.69 | 77.48 | 88.35 |
EV/FCF |
114.34 | 92.43 | 93.40 | 219.28 | 96.28 | 49.65 | 86.58 | 89.86 | 80.80 | 98.99 |
Quick Ratio |
0.04 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.03 | 0.03 | 0.03 | 0.03 |
Current Ratio |
1.54 | 1.54 | 1.64 | 1.63 | 1.44 | 1.47 | 1.53 | 1.55 | 1.55 | 1.43 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
27.90% | 28.04% | 31.17% | 30.36% | 21.99% | 24.05% | 26.84% | 26.33% | 26.81% | 21.07% |
Debt/Equity |
2.57 | 2.57 | 2.74 | 2.60 | 1.78 | 2.11 | 2.30 | 2.12 | 2.17 | 1.64 |
Asset Turnover |
0.05 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.03 | 0.03 | 0.03 |
Operating CF/Net income |
0.92 | 1.13 | 1.23 | 0.53 | 1.05 | 1.49 | 1.31 | 1.09 | 1.15 | 1.06 |
Capex/Depreciation |
(0.50) | (0.16) | (0.28) | (0.09) | (0.04) | 0.63 | (0.16) | (0.33) | (0.20) | (0.47) |
| 4.77% | 4.12% | 3.91% | 4.09% | 4.67% | 4.85% | 4.56% | 4.88% | 5.25% | 4.71% | |
| 0.52% | 0.46% | 0.45% | 0.49% | 0.55% | 0.56% | 0.55% | 0.61% | 0.66% | 0.63% | |
ROIC |
1.13% | 1.01% | 0.87% | 0.92% | 1.44% | 1.33% | 1.20% | 1.45% | 1.64% | 1.84% |
Return on Tangible Assets |
1.57% | 1.39% | 1.20% | 1.28% | 1.99% | 1.85% | 1.65% | 1.78% | 1.92% | 2.18% |
Average Days of Receivables |
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 |
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 |
26.11% | 26.73% | 33.41% | 45.98% | 42.02% | 38.40% | 36.55% | 39.03% | 38.57% | 41.85% |
Intangible Assets out of Total Assets |
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 |
1.22% | 1.25% | 1.58% | 2.54% | 3.08% | 2.38% | 2.34% | 2.44% | 2.62% | 3.25% |
Graham Net Nets |
0.18 | 0.18 | 0.22 | 0.20 | 0.14 | 0.17 | 0.14 | 0.20 | 0.16 | 0.15 |
Graham Number |
6.99 | 6.38 | 6.50 | 6.36 | 6.39 | 6.40 | 6.23 | 6.56 | 6.52 | 6.10 |
Earnings Yield |
2.43% | 2.10% | 2.35% | 2.08% | 1.52% | 2.04% | 1.55% | 2.03% | 1.94% | 1.57% |
Free Cash Flow Yield |
1.93% | 2.39% | 2.68% | 1.02% | 1.55% | 3.52% | 2.00% | 2.06% | 2.19% | 1.51% |
Revenue per Share |
2.84 | 2.73 | 2.28 | 1.56 | 1.61 | 1.84 | 1.82 | 1.69 | 1.55 | 1.47 |
Operating CF per Share |
0.30 | 0.32 | 0.33 | 0.14 | 0.30 | 0.44 | 0.37 | 0.33 | 0.36 | 0.30 |
Capex per Share |
(0.04) | (0.01) | (0.02) | (0.01) | 0.00 | 0.08 | (0.01) | (0.03) | (0.01) | (0.03) |
Free Cash Flow per Share |
0.25 | 0.31 | 0.31 | 0.13 | 0.30 | 0.52 | 0.36 | 0.30 | 0.35 | 0.27 |
Cash per Share |
1.54 | 1.67 | 1.68 | 1.33 | 1.76 | 1.81 | 1.00 | 0.98 | 0.97 | 0.82 |
Shareholders Equity per Share |
6.80 | 6.70 | 6.95 | 6.65 | 6.26 | 6.06 | 6.16 | 6.38 | 6.10 | 5.90 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
6.80 | 6.70 | 6.95 | 6.65 | 6.26 | 6.06 | 6.16 | 6.38 | 6.10 | 5.90 |
Free Cash Flow |
70.97 | 85.54 | 85.62 | 36.62 | 81.82 | 142.51 | 99.22 | 83.74 | 97.02 | 75.79 |
Working Capital |
5,664.29 | 5,570.03 | 6,126.91 | 5,671.40 | 3,955.07 | 4,383.41 | 4,709.00 | 4,657.69 | 4,528.34 | 3,592.46 |
Capital Expenditures |
(11.45) | (3.06) | (5.10) | (2.31) | (1.34) | 20.71 | (3.78) | (8.37) | (4.15) | (9.12) |
Net Current Asset Value |
650.58 | 634.79 | 699.04 | 731.01 | 712.15 | 704.23 | 669.78 | 801.49 | 720.75 | 731.95 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.00 | 0.01 | 0.01 | 0.00 | (0.04) | 0.01 | 0.02 | 0.01 | 0.02 |
Price to Operating Income |
32.02 | 35.66 | 34.17 | 39.17 | 52.69 | 40.42 | 48.55 | 33.62 | 33.26 | 40.98 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.58 | 0.57 | 0.52 | 0.78 | 0.87 | 0.79 | 0.37 | 0.40 | 0.34 | 0.32 |
Cash ROIC |
0.99% | 1.20% | 1.12% | 0.52% | 1.54% | 2.50% | 1.69% | 1.46% | 1.72% | 1.64% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.05 | 0.05 | 0.04 | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
8,104.69 | 8,167.41 | 10,504.53 | 22,940.96 | 20,813.12 | 15,806.82 | 14,768.03 | 19,120.00 | 22,869.84 | 25,765.08 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
10,321.03 | 9,822.45 | 9,185.42 | 8,957.31 | 9,109.58 | 8,995.97 | 8,628.98 | 8,321.60 | 8,241.50 | 8,308.61 |
Average Assets |
17,273.56 | 17,004.39 | 16,353.93 | 14,923.67 | 14,349.84 | 14,592.29 | 14,339.85 | 13,914.95 | 13,299.31 | 12,637.48 |
Average Common Equity |
1,878.27 | 1,894.99 | 1,885.85 | 1,788.31 | 1,702.07 | 1,684.30 | 1,727.58 | 1,724.18 | 1,675.21 | 1,694.91 |
Columns are period end dates