NASDAQ
TFSL
Last Price
US $17.86
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
TFS Financial Corporation cash flow to debt ratio of 1.68% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
TFS Financial Corporation's free cash flow has decreased -17.03% from $85.54M last year to $70.97M, signaling decreasing performance
Financial risk - Healthy debt to equity ratio.
TFS Financial Corporation's debt to equity ratio is 2.67, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial risk - Healthy debt to equity ratio development.
TFS Financial Corporation's debt has increased relative to shareholder equity from 2.59 last year to 2.67 today, signaling weakened financials
Financial risk - Net debt/EBITDA.
TFS Financial Corporation has a net debt to EBITDA ratio of 32.46x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
TFS Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
TFS Financial Corporation's profit margin has increased (8.91%) in the last year from 10.49% to 11.42%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
TFS Financial Corporation's short-term liabilities of $10.45G exceed its short-term assets of $546.04M, signaling financial risk
Decreasing performance - ROA.
TFS Financial Corporation's return on assets of 0.53% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
TFS Financial Corporation's return on equity of 4.89%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
TFS Financial Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
TFS Financial Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
TFS Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Decreasing performance - FCF yield.
TFS Financial Corporation has a free cash flow yield of 1.45%, which is below the 2.00% threshold, indicating limited cash return relative to market value
Increasing performance - Healthy earnings growth.
TFS Financial Corporation's yearly earnings has increased 14.29% since last year from $79.59M to $90.96M, signaling increasing performance
Increasing performance - Healthy revenue growth.
TFS Financial Corporation's yearly revenue has increased 4.37% since last year from $758.78M to $791.96M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 0.53% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
TFS Financial Corporation's 3-year revenue CAGR of 22.28% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
TFS Financial Corporation had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
TFS Financial Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
TFS Financial Corporation has insufficient data to evaluate this check.
Overvalued - Earnings yield.
TFS Financial Corporation has an earnings yield of 1.91%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings
Overvalued - EBITDA valuation.
TFS Financial Corporation is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Overvalued - EV/EBITDA.
TFS Financial Corporation has an EV/EBITDA ratio of 70.26x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings
Overvalued - PEG ratio value.
TFS Financial Corporation has a PEG-ratio over 1 which is considered overvalued
Undervalued - P/B ratio.
TFS Financial Corporation has a price-to-book ratio of 2.54x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
TFS Financial Corporation has a price-to-sales ratio of 6.02x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
4.89%
Return on equity
ROIC: 0.53%
Valuation History
52.8X
Price to Earnings
EV/EBITDA: 70.3X
Cash flow
Profit margin
0.70%
(FY vs FY)
Cash flow Y/Y
-9.76%
(FY vs FY)
Fair Value
Market $17.86
-53.86%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.