TFS Financial Corporation (TFSL) Stock Analysis
Financial Services · Banks - Regional · NasdaqGS
TFS Financial Corporation (TFSL) posted $321.47M in revenue for fiscal 2025 (up 6.0% year over year), at a 28.3% net margin, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on TFS Financial Corporation
TFS Financial Corporation has grown revenue from $0 to $321.47M over the last 10 fiscal years. The most recent year was up 6%.
Net margin sits at 28.3%, up 2 points year over year. It carries about $4.90B of total debt.
At today's valuation the market is pricing in roughly 24.1% annual free-cash-flow growth — versus the -9.8% it actually delivered over the last five years, so the price already assumes a step-up from the recent record. The one thing worth a second look in the filings is heavy debt load.
Synthesised from TFS Financial Corporation's SEC filings — descriptive, not advice. Ask the analyst your own question →
TFS Financial Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $291.20M | $305.00M | $303.16M | $321.47M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $80.55M | $88.88M | $85.41M | $80.24M | $83.32M | $81.01M | $74.56M | $75.25M | $79.59M | $90.96M |
| Net margin | — | — | — | — | — | — | 25.6% | 24.7% | 26.3% | 28.3% |
Source: TFS Financial Corporation SEC filings (10-K). 18 years of history available in the interactive view.
TFS Financial Corporation: 1 potential red flag in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Heavy debt loadTotal debt of $4900.5M is 59.5× last year's operating cash flow — it would take years of cash flow to clear.
What growth is priced into TFSL stock?
At today's market cap of $4.71B, TFS Financial Corporation is priced for free-cash-flow growth of about 24.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $70.97M from the FY ending 2025-09-30). For comparison, free cash flow actually grew -9.8%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 18 years of TFS Financial Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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TFS Financial Corporation financial history by metric
About TFS Financial Corporation
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
TFS Financial Corporation — frequently asked questions
What is TFS Financial Corporation's revenue?
TFS Financial Corporation (TFSL) reported revenue of $321.47M for fiscal year 2025, up 6.0% from the prior year, according to its SEC filings.
Is TFS Financial Corporation profitable?
Yes. TFSL earned net income of $90.96M in fiscal 2025, a net margin of 28.3%.
What is TFSL's P/E ratio?
TFS Financial Corporation trades at a price-to-earnings ratio of about 50.8 based on the latest data in our nightly-refreshed cache.
How much debt does TFS Financial Corporation have?
As of fiscal year 2025, TFSL carried roughly $4.90B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is TFS Financial Corporation's market cap?
TFS Financial Corporation (TFSL) has a market capitalization of about $4.71B, based on the latest data in our nightly-refreshed cache.
When does TFS Financial Corporation's fiscal year end?
TFSL's fiscal year ends in September. Its most recent annual filing covers the fiscal year ending 2025-09-30.
What growth is priced into TFSL stock?
At today's market cap of $4.71B, TFS Financial Corporation is priced for free-cash-flow growth of about 24.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $70.97M from the FY ending 2025-09-30). For comparison, free cash flow actually grew -9.8%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from TFS Financial Corporation's official SEC filings (10-K and 10-Q), covering 18 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.