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TFSL Financials Tfs Financial Corp

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has declined 9.8% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 12 consecutive years, consuming 65.5% of earnings and 83.9% of free cash flow.
  • The dividend has grown 1.4% per year over the past 5 years.
Net income
$0 $45M $91M 2011 2013 2015 2017 2019 2021 2023 2025
Net income
Return on equity & assets (ROE / ROA)
0% 3% 5% 2011 2013 2015 2017 2019 2021 2023 2025
ROEROA
Shareholders' equity (book value)
$0 $964M $2B 2011 2013 2015 2017 2019 2021 2023 2025
Equity
Free cash flow (CFO − capex)
$0 $74M $148M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $249M $498M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$2B -$79M $2B $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 $91M 4.8% 0.5% $71M $429M
2024 $80M 4.3% 0.5% $86M $464M
2023 $75M 3.9% 0.4% $86M $467M
2022 $75M 4.0% 0.5% $36M $370M
2021 $81M 4.7% 0.6% $82M $488M
2020 $83M 5.0% 0.6% $119M $498M
2019 $80M 4.7% 0.6% $99M $275M
2018 $85M 4.9% 0.6% $84M $270M
2017 $89M 5.3% 0.6% $97M $268M
2016 $81M 4.9% 0.6% $76M $231M
2015 $73M 4.2% 0.6% $97M $155M
2014 $66M 3.6% 0.6% $101M $181M
2013 $56M 3.0% 0.5% $138M $286M
2012 $11M 0.6% 0.1% $148M $308M
2011 $9M 0.5% 0.1% $133M $295M

Valuation over time

How the market has priced TFSL against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 28.4 56.8 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 0.9 1.8 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
Dividend yield %

Frequently asked questions

Is TFSL growing its revenue and profit?

See the revenue and net-income charts above for Tfs Financial Corp's multi-year trend.

How much debt does TFSL have?

As of FY2025, Tfs Financial Corp reported — of total debt against $429M of cash.

What is TFSL's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is TFSL's P/E ratio?

As of Sep '26, Tfs Financial Corp traded at a price-to-earnings ratio of about 54.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.