TFS Financial Statements From 2010 to 2024

TFSL Stock  USD 12.31  0.01  0.08%   
TFS Financial financial statements provide useful quarterly and yearly information to potential TFS Financial investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on TFS Financial financial statements helps investors assess TFS Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting TFS Financial's valuation are summarized below:
Gross Profit
290.2 M
Profit Margin
0.2446
Market Capitalization
3.5 B
Revenue
301.6 M
Earnings Share
0.25
There are over one hundred nineteen available fundamental trend indicators for TFS Financial, which can be analyzed over time and compared to other ratios. We recommend to double-check TFS Financial's current fundamental drivers against the all of the trends between 2010 and 2024. Market Cap is expected to rise to about 3 B this year, although Enterprise Value will most likely fall to about 4 B.

TFS Financial Total Revenue

285.41 Million

Check TFS Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among TFS main balance sheet or income statement drivers, such as Interest Expense of 158.3 M, Total Revenue of 285.4 M or Gross Profit of 285.4 M, as well as many exotic indicators such as Price To Sales Ratio of 19.39, Dividend Yield of 0.0168 or PTB Ratio of 2.68. TFS financial statements analysis is a perfect complement when working with TFS Financial Valuation or Volatility modules.
  
This module can also supplement TFS Financial's financial leverage analysis and stock options assessment as well as various TFS Financial Technical models . Check out the analysis of TFS Financial Correlation against competitors.
For more information on how to buy TFS Stock please use our How to buy in TFS Stock guide.

TFS Financial Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets13.2 B19.5 B13.6 B
Slightly volatile
Short and Long Term Debt Total6.4 B6.1 B3.2 B
Slightly volatile
Total Stockholder Equity1.8 B2.2 B1.7 B
Slightly volatile
Cash343.1 M536.8 M336.5 M
Slightly volatile
Cash And Short Term Investments658.9 M1.1 B798.5 M
Slightly volatile
Common Stock Shares Outstanding312.5 M320.4 M290.3 M
Very volatile
Liabilities And Stockholders Equity13.2 B19.5 B13.6 B
Slightly volatile
Non Current Liabilities Total6.4 B6.1 B2.9 B
Slightly volatile
Total Liabilities10.5 B6.1 B10 B
Pretty Stable
Total Current Assets1.1 B1.2 B6.1 B
Slightly volatile
Non Current Assets Total513.1 M633 M572.4 M
Slightly volatile
Other Assets9.5 B17.6 B8.6 B
Slightly volatile
Other Stockholder Equity871.1 M856.7 MB
Slightly volatile
Other Liabilities131.6 M105.5 M129.9 M
Slightly volatile
Property Plant And Equipment Net47.9 M31.2 M53.5 M
Slightly volatile
Retained Earnings684.2 MB724.7 M
Slightly volatile
Accounts Payable8.9 M9.3 M473.7 M
Slightly volatile
Long Term Debt6.4 B6.1 B3.1 B
Slightly volatile
Net Receivables30.6 M48.5 M37.2 M
Slightly volatile
Short Term Investments366.9 M584.6 M471.2 M
Pretty Stable
Property Plant And Equipment Gross84.2 M165.5 M86 M
Slightly volatile
Intangible Assets6.3 M6.7 M10.9 M
Slightly volatile
Property Plant Equipment54.3 M31.1 M59.9 M
Slightly volatile
Total Current Liabilities4.7 M9.3 M3.9 M
Slightly volatile
Common Stock Total Equity2.7 MM3.3 M
Slightly volatile
Common Stock2.7 MM3.3 M
Slightly volatile
Net Tangible Assets1.4 B1.7 B1.7 B
Slightly volatile
Retained Earnings Total Equity733.7 MB734.2 M
Slightly volatile
Long Term Debt Total899.7 M856.9 M700.7 M
Slightly volatile
Capital Surpluse1.9 BB1.8 B
Slightly volatile
Long Term Investments434.6 M457.5 MB
Slightly volatile
Non Current Liabilities Other8.8 B15.9 B9.8 B
Slightly volatile
Short Term DebtB1.6 B1.7 B
Slightly volatile
Other Current Assets446.4 M469.9 M6.1 B
Slightly volatile
Short and Long Term Debt288.7 M303.9 M849.4 M
Slightly volatile
Earning Assets925.8 MB860.2 M
Slightly volatile
Net Invested Capital6.3 B8.3 B5.8 B
Slightly volatile
Capital Stock2.7 MM3.3 M
Slightly volatile

TFS Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense158.3 M295.5 M181.1 M
Slightly volatile
Total Revenue285.4 M350.7 M280.9 M
Slightly volatile
Gross Profit285.4 M350.7 M280.9 M
Slightly volatile
Other Operating Expenses95.6 M190.5 M126.8 M
Very volatile
Operating Income79.8 M84 M180.6 M
Slightly volatile
EBIT79.8 M84 M180.6 M
Slightly volatile
EBITDA79.8 M84 M197.7 M
Slightly volatile
Income Before Tax84.3 M107.4 M92.7 M
Slightly volatile
Net Income60.4 M86.5 M68.3 M
Slightly volatile
Income Tax Expense20.1 M20.8 M24.2 M
Very volatile
Depreciation And Amortization21.8 M20.8 M22.4 M
Slightly volatile
Selling General Administrative110.1 M145.2 M109.6 M
Slightly volatile
Selling And Marketing Expenses16.2 M29.1 M17.8 M
Slightly volatile
Cost Of Revenue184.7 M136 M155.1 M
Pretty Stable
Net Income Applicable To Common Shares61.2 M85.7 M71 M
Slightly volatile
Net Income From Continuing Ops101.6 M86.5 M98.1 M
Pretty Stable
Tax Provision22.4 M16.3 M29.2 M
Slightly volatile
Net Interest Income212.5 M255.2 M262.6 M
Slightly volatile
Interest Income485.5 M703.7 M446.3 M
Slightly volatile
Reconciled Depreciation28.2 M20.8 M23.6 M
Slightly volatile

TFS Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation1.6 M1.7 M9.3 M
Slightly volatile
Begin Period Cash Flow1.1 M1.2 M228.4 M
Pretty Stable
Depreciation21.9 M22.6 M22.6 M
Slightly volatile
Capital Expenditures3.7 M4.7 M4.4 M
Very volatile
Net Income62.4 M86.5 M71.2 M
Slightly volatile
End Period Cash Flow1.2 M1.3 M230.4 M
Pretty Stable

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio19.3912.3618.6826
Slightly volatile
Dividend Yield0.01680.0160.0089
Slightly volatile
PTB Ratio2.681.962.5092
Pretty Stable
Days Sales Outstanding55.8174.1949.1738
Slightly volatile
Book Value Per Share4.566.255.8875
Slightly volatile
Invested Capital3.283.132.2528
Slightly volatile
Stock Based Compensation To Revenue0.05280.03770.0392
Slightly volatile
PB Ratio2.681.962.5092
Pretty Stable
EV To Sales24.3430.4926.9231
Pretty Stable
ROIC0.00950.010.0435
Slightly volatile
Net Income Per Share0.160.240.2341
Slightly volatile
Sales General And Administrative To Revenue0.290.370.3634
Slightly volatile
Cash Per Share1.73.162.7226
Slightly volatile
Interest Coverage0.310.331.1853
Slightly volatile
Payout Ratio0.680.890.4731
Slightly volatile
ROE0.02850.03510.0385
Slightly volatile
PE Ratio47.6150.1274.5956
Slightly volatile
Return On Tangible Assets0.00360.0040.0048
Pretty Stable
Earnings Yield0.01140.02070.016
Slightly volatile
Intangibles To Total Assets5.0E-45.0E-49.0E-4
Slightly volatile
Current Ratio108114K
Slightly volatile
Tangible Book Value Per Share39.637.7214.2674
Slightly volatile
Receivables Turnover6.025.097.6877
Slightly volatile
Graham Number3.835.865.4677
Slightly volatile
Shareholders Equity Per Share4.566.255.8875
Slightly volatile
Debt To Equity3.283.132.2528
Slightly volatile
Revenue Per Share0.730.990.955
Slightly volatile
Interest Debt Per Share23.9322.7915.1392
Slightly volatile
Debt To Assets0.370.360.2706
Slightly volatile
Enterprise Value Over EBITDA81.8477.9542.3998
Slightly volatile
Short Term Coverage Ratios0.06970.07330.1864
Slightly volatile
Price Earnings Ratio47.6150.1274.5956
Slightly volatile
Price Book Value Ratio2.681.962.5092
Pretty Stable
Dividend Payout Ratio0.680.890.4731
Slightly volatile
Pretax Profit Margin0.360.350.356
Very volatile
Ebt Per Ebit0.220.350.3697
Pretty Stable
Operating Profit Margin0.330.351.0464
Slightly volatile
Effective Tax Rate0.310.220.2584
Slightly volatile
Company Equity Multiplier6.17.97.7914
Pretty Stable
Long Term Debt To Capitalization0.690.660.5572
Slightly volatile
Total Debt To Capitalization0.350.70.5686
Slightly volatile
Return On Capital Employed0.0060.00640.0147
Slightly volatile
Debt Equity Ratio3.283.132.2528
Slightly volatile
Ebit Per Revenue0.330.351.0464
Slightly volatile
Quick Ratio108114462
Slightly volatile
Net Income Per E B T0.580.730.731
Very volatile
Cash Ratio49.2151.8170
Slightly volatile
Days Of Sales Outstanding55.8174.1949.1738
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio1.061.090.9739
Slightly volatile
Price To Book Ratio2.681.962.5092
Pretty Stable
Fixed Asset Turnover4.097.915.7107
Slightly volatile
Enterprise Value Multiple81.8477.9542.3998
Slightly volatile
Debt Ratio0.370.360.2706
Slightly volatile
Price Sales Ratio19.3912.3618.6826
Slightly volatile
Return On Assets0.00360.0040.0048
Pretty Stable
Asset Turnover0.01730.01620.0201
Pretty Stable
Net Profit Margin0.260.280.2619
Very volatile
Price Fair Value2.681.962.5092
Pretty Stable
Return On Equity0.02850.03510.0385
Slightly volatile

TFS Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market CapBBB
Pretty Stable
Enterprise ValueB7.3 B6.4 B
Slightly volatile

TFS Fundamental Market Drivers

Cash And Short Term Investments975.1 M

TFS Upcoming Events

25th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About TFS Financial Financial Statements

There are typically three primary documents that fall into the category of financial statements. These documents include TFS Financial income statement, its balance sheet, and the statement of cash flows. TFS Financial investors use historical funamental indicators, such as TFS Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although TFS Financial investors may use each financial statement separately, they are all related. The changes in TFS Financial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on TFS Financial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. We offer a historical overview of the basic patterns found on TFS Financial Financial Statements. Understanding these patterns can help to make the right decision on long term investment in TFS Financial. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue-1.6 B-1.7 B
Total Revenue350.7 M285.4 M
Cost Of Revenue136 M184.7 M
Stock Based Compensation To Revenue 0.04  0.05 
Sales General And Administrative To Revenue 0.37  0.29 
Research And Ddevelopement To Revenue 0.00  0.00 
Capex To Revenue(0.02)(0.02)
Revenue Per Share 0.99  0.73 
Ebit Per Revenue 0.35  0.33 

Currently Active Assets on Macroaxis

When determining whether TFS Financial is a strong investment it is important to analyze TFS Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact TFS Financial's future performance. For an informed investment choice regarding TFS Stock, refer to the following important reports:
Check out the analysis of TFS Financial Correlation against competitors.
For more information on how to buy TFS Stock please use our How to buy in TFS Stock guide.
You can also try the Equity Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.

Complementary Tools for TFS Stock analysis

When running TFS Financial's price analysis, check to measure TFS Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy TFS Financial is operating at the current time. Most of TFS Financial's value examination focuses on studying past and present price action to predict the probability of TFS Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move TFS Financial's price. Additionally, you may evaluate how the addition of TFS Financial to your portfolios can decrease your overall portfolio volatility.
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Is TFS Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of TFS Financial. If investors know TFS will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about TFS Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.11)
Dividend Share
1.13
Earnings Share
0.25
Revenue Per Share
1.087
Quarterly Revenue Growth
(0.06)
The market value of TFS Financial is measured differently than its book value, which is the value of TFS that is recorded on the company's balance sheet. Investors also form their own opinion of TFS Financial's value that differs from its market value or its book value, called intrinsic value, which is TFS Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because TFS Financial's market value can be influenced by many factors that don't directly affect TFS Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between TFS Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if TFS Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, TFS Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.