← TFS Financial CORP TFSL
Market Price
$17.65
Market Cap
$4.93B
P/E Ratio
55.16
Revenue (FY 2025)
↑6.0% YoY
$321.47M
3-Yr CAGR: 3.4%
Net Income
↑14.3% YoY
$90.96M
Net Margin: 28.3%
Free Cash Flow
↓-17.0% YoY
$70.97M
FCF Yield: 1.44%
EPS (Diluted)
↑14.3% YoY
$0.32
Basic: $0.32
Return on Equity
Efficiency
4.8%
ROA: 0.5%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (TFSL)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $276.4M | — | $158.4M | $80.6M | — | $0.28 | — | $84.9M | $75.8M | — |
| FY 2017 | $284.0M | +2.7% | $153.9M | $88.9M | +10.3% | $0.32 | +14.3% | $108.7M | $104.5M | +37.9% |
| FY 2018 | $285.8M | +0.6% | $123.7M | $85.4M | -3.9% | $0.30 | -6.3% | $147.0M | $138.6M | +32.6% |
| FY 2019 | $271.2M | -5.1% | $54.6M | $80.2M | -6.1% | $0.28 | -6.7% | $103.0M | $99.2M | -28.4% |
| FY 2020 | $259.3M | -4.4% | $46.3M | $83.3M | +3.8% | $0.29 | +3.6% | $121.8M | $118.6M | +19.5% |
| FY 2021 | $286.9M | +10.6% | $129.2M | $81.0M | -2.8% | $0.29 | 0.0% | $83.2M | $81.8M | -31.0% |
| FY 2022 | $291.2M | +1.5% | $149.3M | $74.6M | -8.0% | $0.26 | -10.3% | $38.9M | $36.2M | -55.7% |
| FY 2023 | $305.0M | +4.7% | $93.4M | $75.2M | +0.9% | $0.26 | 0.0% | $90.7M | $85.6M | +136.3% |
| FY 2024 | $303.2M | -0.6% | $100.3M | $79.6M | +5.8% | $0.28 | +7.7% | $88.6M | $85.5M | -0.1% |
| FY 2025 | $321.5M | +6.0% | $114.7M | $91.0M | +14.3% | $0.32 | +14.3% | $82.4M | $71.0M | -17.0% |
Valuation
Market Price
$17.65
Market Cap
$4.93B
Enterprise Value
N/A
P/E Ratio
55.16
P/B Ratio
2.61
FCF Yield
1.44%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
35.68%
Operating Margin
35.68%
Net Margin
28.29%
Return on Equity (ROE)
4.80%
Return on Assets (ROA)
0.52%
Asset Turnover
0.02x
Revenue 3-Yr CAGR
3.35%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$429.44M
Total Debt
N/A
Book Value / Share
$6.75
Cash Flow Efficiency
Operating Cash Flow
$82.42M
Capital Expenditures (CapEx)
$11.45M
Free Cash Flow
$70.97M
OCF / Revenue
25.64%
FCF / Revenue
22.08%
FCF 3-Yr CAGR
25.12%
Per Share Metrics
EPS (Diluted)
$0.32
EPS (Basic)
$0.32
Dividends / Share
N/A
Book Value / Share
$6.75
EPS YoY Growth
14.29%
Balance Sheet (FY 2025)
Total Assets
$17.46B
Total Liabilities
$15.56B
Stockholders' Equity
$1.89B
Current Assets
N/A
Current Liabilities
N/A