Stocktoria

TFS Financial CORP TFSL

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 2007-04-23

TFS Financial CORP statistics & valuation

Market cap$4.9B
P / E53.9×
P / B2.6×
P / FCF69.1×
Dividend yield1.21%
Return on equity4.8%
Graham number -60.1%$6.97

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($6.97); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
4.90% 5.30% 4.90% 4.70% 5.00% 4.70% 4.00% 3.90% 4.30% 4.80% 2016201720182019202020212022202320242025
Shares outstanding
284.2M 281.3M 280.3M 280.0M 280.2M 280.8M 280.6M 280.4M 280.7M 280.6M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.50% 0.40% 0.50% 0.50% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.28 $0.32 $0.30 $0.28 $0.29 $0.29 $0.26 $0.26 $0.28 $0.32 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

TFS Financial CORP trades at about 54.5× earnings — near its 10-year norm (10-year range 41.6×–68.8×, median 54×).

41.6× 68.8×

Shaded band = 10-year range (41.6×–68.8×); dot = today's 54.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.5%0.5%0.4%0.5%0.6%0.6%0.6%0.6%0.6%0.6%
Return on equity4.8%4.3%3.9%4.0%4.7%5.0%4.7%4.9%5.3%4.9%

Computed from company filings · US · as of 2025-09-30. Facts plus Stocktoria's own computed scores — not investment advice.