TFS Financial CORP
TFSL Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 26, 2026
$16.69
KIRA · Stoqly’s AI analyst, in plain words
- TFS Financial CORP had $321M of revenue in fiscal 2025, up 6.0% on the year before. Over five years, revenue changed +1.7% a year on average.
- TFS Financial CORP made $91.0M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 1.5% a year.
- TFS Financial CORP returned $63.5M to shareholders in fiscal 2025, 89% of free cash flow. The diluted share count rose 0.2%.
- It earned 4.8% on shareholders’ money. Running costs took 63.5% of revenue (the efficiency ratio; lower is better).
Market cap
$4.7B
P/E
46.4x
Revenue
$321M
Net income
$91.0M
Return on equity
4.8%
Efficiency ratio
63.5%
TFS Financial CORP in 30 seconds · fiscal 2025
Are sales growing?
+6.0%
Yes. Sales grew 6.0% last year.
Does it make a profit?
28.3%
Yes. It keeps 28.3% of every sale as profit.
How lean are its costs?
63.5%
Average. Running costs take 63.5% of revenue.
How much does it earn on its capital?
4.8%
Low. It earns 4.8% a year on shareholders’ money.
How is the share priced?
46.4x
One share costs 46.4 times its yearly profit per share.
What TFS Financial CORP does
No business description yet.
- Fiscal year ends
- September 30, 2025
- Latest annual report
- 10-K · Nov 25, 2025
- Legal name
- TFS Financial CORP
- CIK
- 0001381668
TFS Financial CORP · TFSL
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $287M | $291M | $305M | $303M | $321M |
| Revenue growth | −2.9% | 1.5% | 4.7% | −0.6% | 6.0% |
| Net interest income | $232M | $267M | $284M | $278M | $293M |
| Net income | $81.0M | $74.6M | $75.3M | $79.6M | $91.0M |
| Net margin | 28.2% | 25.6% | 24.7% | 26.3% | 28.3% |
| Diluted EPS | $0.29 | $0.26 | $0.26 | $0.28 | $0.32 |
| Cash | |||||
| Cash from operations | $83.2M | $38.9M | $90.7M | $88.6M | $82.4M |
| Capital expenditure | $1.3M | $2.7M | $5.1M | $3.1M | $11.5M |
| Free cash flow | $81.8M | $36.2M | $85.6M | $85.5M | $71.0M |
| FCF margin | 28.5% | 12.4% | 28.1% | 28.2% | 22.1% |
| Dividends paid | $56.6M | $58.3M | $58.3M | $59.0M | $59.5M |
| Share buybacks | $5.6M | $6.3M | $6.0M | $1.9M | $4.0M |
| Share count change | 0.3% | 0.0% | −0.0% | 0.2% | 0.2% |
| Debt and strength | |||||
| Cash and short-term investments | $488M | $370M | $467M | $464M | $429M |
| Loans, net | $12.5B | $14.3B | $15.2B | $15.3B | $15.7B |
| Shareholders' equity | $1.7B | $1.8B | $1.9B | $1.9B | $1.9B |
| Returns and quality | |||||
| Return on equity | 4.8% | 4.2% | 4.0% | 4.2% | 4.8% |
| Return on tangible equity | 4.6% | 4.0% | 3.8% | 4.2% | 4.7% |
| Efficiency ratio | 68.3% | 68.0% | 69.9% | 67.4% | 63.5% |
Insiders bought, 12 months
$0.6M
2 insiders
Insiders sold, 12 months
$3.3M
8 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
TFS Financial CORP · TFSL
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $16.69 a share, the company is worth $4.7B: 46.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001381668). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.