TFS Financial CORP
TFS Financial CORP
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Mortgages | 1 | 15,738 | 15,659 | 235 | 16 | 15,341 | 15,321 | - | - | - | - | - | |||||
Mortgage Receivables | - | - | - | - | - | - | 15,321 | 38 | -59 | 15,211 | 15,178 | 317 | |||||
Other Loans | -0 | 9 | 8 | 1 | 0 | 7 | 6 | 0 | -0 | 5 | 4 | 0 | |||||
Deferred Loan Expense | -0 | 70 | 70 | 2 | 1 | 66 | 65 | - | - | - | - | - | |||||
Residential Real Estate | -0 | 75 | 74 | 32 | -2 | 42 | 70 | -3 | 54 | -6 | - | - | |||||
Assets | |||||||||||||||||
Cash And Due From Banks | 25 | 27 | 24 | 29 | 36 | 33 | 26 | 29 | 27 | 46 | 29 | 23 | |||||
Interest Bearing Deposits In Banks | 412 | 430 | 405 | 424 | 427 | 433 | 437 | 531 | 567 | 506 | 438 | 413 | |||||
Cash And Cash Equivalents At Carrying Value | 437 | 457 | 429 | 453 | 464 | 466 | 464 | 560 | 594 | 552 | 467 | 436 | |||||
Loans And Leases Receivab… | |||||||||||||||||
Available For Sale Securities Debt Securities | 455 | 454 | 521 | 525 | 534 | 508 | 526 | 523 | 520 | 525 | 508 | 513 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 5 | 14 | 58 | 31 | 6 | 1 | 18 | 30 | 10 | 1 | 3 | 1 | |||||
Loans And Leases Receivable Deferred Income | - | - | - | - | - | - | 65 | 63 | 61 | 61 | 61 | 57 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | -70 | -68 | -68 | -69 | -77 | -75 | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | 15,322 | 15,190 | 15,150 | 15,207 | 15,166 | 14,884 | |||||
Financing Receivable Excluding Accrued Interest Be… | - | - | - | 15,669 | 15,431 | 15,413 | - | - | - | - | - | - | |||||
Financing Receivable Excluding Accrued Interest Af… | 15,742 | 15,742 | 15,663 | 15,596 | 15,360 | 15,343 | 15,322 | - | - | - | - | - | |||||
Servicing Asset At Amortized Value | 9 | 9 | 9 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 7 | 8 | |||||
Federal Home Loan Bank Stock | 244 | 234 | 235 | 233 | 219 | 224 | 228 | 232 | 240 | 255 | 247 | 247 | |||||
Real Estate Acquired Through Foreclosure | 1 | 2 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | |||||
Property Plant And Equipment Net | 43 | 40 | 40 | 39 | 39 | 33 | 33 | 34 | 34 | 34 | 35 | 35 | |||||
Interest Receivable | 60 | 60 | 63 | 60 | 58 | 58 | 59 | 59 | 57 | 56 | 54 | 50 | |||||
Bank Owned Life Insurance | 329 | 327 | 325 | 323 | 321 | 320 | 318 | 316 | 313 | 312 | 312 | 310 | |||||
Other Assets | 153 | 158 | 112 | 107 | 104 | 98 | 114 | 83 | 91 | 103 | 117 | 110 | |||||
Assets | 17,480 | 17,499 | 17,456 | 17,376 | 17,112 | 17,058 | 17,091 | 17,035 | 17,017 | 17,054 | 16,918 | 16,595 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Interest Bearing Deposit Liabilities Domestic | 10,187 | 10,372 | 10,447 | 10,341 | 10,398 | 10,207 | 10,195 | 10,026 | 9,936 | 9,921 | - | 9,069 | |||||
Deposits Domestic | - | - | - | - | - | - | 10,195 | - | - | - | 9,450 | - | |||||
Advances From Federal Home Loan Banks | 5,142 | 4,940 | 4,870 | 4,883 | 4,587 | 4,656 | 4,793 | 4,829 | 4,955 | 5,031 | 5,274 | 5,452 | |||||
Advance Payments By Borrowers For Taxes And Insura… | 97 | 134 | 113 | 118 | 100 | 140 | 114 | 67 | 99 | 109 | 124 | 74 | |||||
Noninterest Bearing Deposit Liabilities Domestic | 29 | 42 | 30 | 30 | 27 | 39 | 29 | 17 | 26 | 29 | - | 17 | |||||
Accrued Liabilities Current And Noncurrent | 102 | 110 | 102 | 115 | 103 | 100 | 98 | 181 | 93 | 97 | 113 | 97 | |||||
Liabilities | 15,557 | 15,598 | 15,562 | 15,488 | 15,215 | 15,143 | 15,228 | 15,120 | 15,110 | 15,187 | 14,991 | 14,709 | |||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Additional Paid In Capital | 1,758 | 1,756 | 1,758 | 1,756 | 1,755 | 1,754 | 1,754 | 1,753 | 1,752 | 1,750 | 1,755 | 1,754 | |||||
Treasury Stock Value | -776 | -774 | 774 | -772 | -771 | -772 | 772 | -772 | -772 | -772 | - | -776 | |||||
Treasury Stock Common Value | - | - | - | - | - | - | -772 | - | - | - | -776 | - | |||||
Unearned E S O P Shares | -16 | -17 | -18 | -20 | -21 | -22 | -23 | -24 | -25 | -26 | -27 | -28 | |||||
Retained Earnings Accumulated Deficit | 962 | 954 | 947 | 936 | 929 | 923 | 915 | 912 | 907 | 901 | 887 | 882 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -9 | -21 | -21 | -16 | 1 | 27 | -16 | 43 | 42 | 10 | 85 | 51 | |||||
Stockholders Equity | 1,922 | 1,901 | 1,894 | 1,888 | 1,897 | 1,914 | 1,863 | 1,915 | 1,907 | 1,867 | 1,927 | 1,886 | |||||
Liabilities And Stockholders Equity | 17,480 | 17,499 | 17,456 | 17,376 | 17,112 | 17,058 | 17,091 | 17,035 | 17,017 | 17,054 | 16,918 | 16,595 | |||||
Available For Sale Debt Securities Amortized Cost … | 476 | 474 | 542 | 549 | 562 | 542 | 554 | 565 | 562 | 563 | 562 | 562 | |||||
Loans Held For Sale Fair Value Disclosure | 5 | 11 | 23 | 29 | 5 | 1 | 11 | 30 | 10 | 0 | 3 | - | |||||
Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Preferred Stock Shares Authorized | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 700 | 700 | 700 | 700 | 700 | 700 | 700 | 700 | 700 | 700 | 700 | 700 | |||||
Common Stock Shares Issued | 332 | 332 | 332 | 332 | 332 | 332 | 332 | 332 | 332 | 332 | 332 | 332 | |||||
Shares Outstanding | 280 | 281 | 281 | 281 | 281 | 281 | 281 | 281 | 281 | 281 | 280 | 280 | |||||
Treasury Stock Common Shares | 52 | 52 | 52 | 52 | 51 | 52 | 52 | 52 | 52 | 52 | 52 | 52 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -3.44% | -4.30% | 3.22% | 5.71% | 18.22% | 22.75% | - | - | - | - | - | - |
| 2025 | -4.97% | -9.52% | -4.66% | -1.64% | -1.63% | -3.46% | 10.88% | 6.49% | 9.63% | 0.81% | -0.32% | 5.17% |
| 2024 | -1.91% | -1.95% | -4.76% | 1.85% | -0.19% | 11.20% | 3.98% | 0.42% | -0.21% | -6.66% | -14.81% | -4.06% |
| 2023 | - | - | - | 9.47% | 13.53% | 29.25% | -6.44% | -18.20% | -19.17% | 12.04% | 3.55% | -0.21% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.61 | -0.62 | -0.61 | -0.63 | 0.03 | 0.53 | 0.91 | 1.23 | 1.24 | 1.25 | 1.28 | 1.37 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | 7,579.65 | 7,683.68 | 7,904.12 | 8,332.05 | 8,775.12 | 9,309.38 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 0.33 | 0.32 | 0.33 | 0.30 | 0.29 | 0.29 | 0.29 | 0.29 | 0.28 | 0.26 | 0.27 | 0.29 | |||||
| Free Cash Flow Per Share TTM | 0.29 | 0.30 | 0.25 | 0.09 | 0.34 | 0.34 | 0.31 | 0.57 | 0.34 | 0.16 | 0.31 | 0.21 | |||||
| Dividend Per Share TTM | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 39.02% | 38.76% | 38.35% | 37.75% | 37.31% | 37.34% | 37.93% | 39.21% | 40.76% | 42.69% | 46.34% | 51.17% | |||||
| Operating Profit Margin TTM | 15.07% | 14.83% | 15.03% | 13.99% | 13.83% | 13.79% | 13.67% | 14.10% | 14.18% | 14.06% | 15.26% | 17.91% | |||||
| Net Profit Margin TTM | 11.87% | 11.73% | 11.92% | 11.05% | 10.94% | 10.93% | 10.84% | 11.33% | 11.45% | 11.35% | 12.30% | 14.38% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 5.03% | 4.10% | 3.96% | 5.37% | 8.76% | 14.39% | 19.96% | 26.61% | 34.44% | 42.50% | 49.49% | 47.54% | |||||
| Net Income Growth (1Y) | 13.99% | 11.68% | 14.29% | 2.79% | 3.88% | 10.23% | 5.76% | -0.27% | -2.62% | -8.50% | 0.92% | 22.66% | |||||
| EPS Growth (1Y) | 13.94% | 11.60% | 14.07% | 2.59% | 3.67% | 9.95% | 5.48% | -0.56% | -2.91% | -8.67% | 0.89% | 22.65% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 41.40 | 39.55 | 38.12 | 40.12 | 38.27 | 38.06 | 38.96 | 36.80 | 36.84 | 44.86 | 34.60 | 33.41 | |||||
| P/B TTM | 2.00 | 1.89 | 1.83 | 1.77 | 1.65 | 1.62 | 1.66 | 1.55 | 1.52 | 1.77 | 1.35 | 1.44 | |||||
| P/S TTM | 4.91 | 4.64 | 4.54 | 4.43 | 4.19 | 4.16 | 4.22 | 4.17 | 4.22 | 5.09 | 4.25 | 4.81 | |||||
| Market Cap | 3.85B | 3.59B | 3.47B | 3.34B | 3.12B | 3.09B | 3.10B | 2.98B | 2.89B | 3.31B | 2.60B | 2.71B | |||||
| Enterprise Value | 3.41B | 3.13B | 3.04B | 2.88B | 2.66B | 2.63B | 2.64B | 2.42B | 2.30B | 2.76B | 2.14B | 2.27B | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 82.26M | 83.14M | 70.97M | 24.82M | 95.70M | 94.82M | 85.54M | 157.70M | 93.98M | 44.40M | 85.62M | 59.47M | |||||
| Net Debt | -437.28M | -456.71M | -429.44M | -452.58M | -463.58M | -465.93M | -463.72M | -560.44M | -594.33M | -551.77M | -466.75M | -436.22M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
TFS Financial CORP (TFSL) — SEC Financial Statements & Analysis
TFS Financial CORP (TFSL) is a savings institution, federally chartered company, incorporated in DE. TFS Financial CORP trades on TFSL: Nasdaq as: TFSL. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), TFS Financial CORP reported a 5.03% year-over-year revenue growth, a Gross Profit Margin of 39.02% (TTM), a Price-to-Sales (P/S) ratio of 4.91x (TTM), a Price-to-Book (P/B) ratio of 2 (TTM), at a market cap of $3.85B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 5.03%
- Gross Profit Margin TTM
- 39.02%
- P/S TTM
- 4.91x
- P/B TTM
- 2
- Market Cap
- $3.85B
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is TFS Financial CORP in?
TFS Financial CORP (TFSL) operates in the Savings Institution, Federally Chartered industry.
What is TFSL's market cap?
TFS Financial CORP (TFSL) has a market capitalization of $3.85B as of 2026-03-31.
What is TFSL's P/E ratio?
TFS Financial CORP (TFSL)'s trailing twelve month P/E ratio is 41.40x as of 2026-03-31.
What exchange does TFSL trade on?
TFS Financial CORP (TFSL) trades on the TFSL: Nasdaq.
Where is TFS Financial CORP incorporated?
TFS Financial CORP is incorporated in DE.