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TFS Financial Corp
NASDAQ:TFSL

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TFS Financial Corp Logo
TFS Financial Corp
NASDAQ:TFSL
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Price: 13.645 USD -1.91% Market Closed
Market Cap: $3.8B
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Cash Flow Statement

Operating Cash Flow
+
3Y
-13%
5Y
-18%
10Y
-4%
Investing Cash Flow
+
3Y
+81%
5Y
-
10Y
+19%
Financing Cash Flow
+
3Y
-86%
5Y
-
10Y
+11%

Cash Flow Statement
TFS Financial Corp

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Cash Flow Statement
Currency: USD
Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025 Dec-2025
Operating Cash Flow
Net Income
44
45
38
6
26
29
31
55
55
47
38
41
14
12
9
9
11
(5)
(6)
(10)
9
25
24
19
12
14
26
41
56
61
65
66
66
67
66
66
73
74
77
81
81
82
87
89
89
89
89
87
85
86
83
80
80
86
83
91
83
83
88
78
81
72
65
66
75
81
81
81
75
74
79
81
80
81
82
83
91
91
Depreciation & Amortization
12
11
11
11
7
7
8
9
9
10
13
18
19
20
17
15
19
22
23
22
19
18
17
18
23
23
26
26
21
18
15
13
13
14
15
17
18
18
18
19
19
21
22
22
21
21
23
24
25
25
23
23
23
25
27
29
33
35
39
39
33
30
26
24
27
24
22
20
18
18
19
19
19
20
21
22
23
24
Change in Deffered Taxes
5
0
0
0
(23)
0
0
0
1
0
0
0
(16)
(16)
0
(16)
(11)
(10)
(10)
(10)
(8)
(9)
(9)
(9)
(19)
0
(20)
(19)
7
0
0
7
10
0
0
9
9
9
9
10
11
11
11
11
4
8
8
8
4
(1)
(0)
(0)
22
21
21
23
22
22
22
20
(14)
(14)
(15)
(15)
(27)
(27)
(27)
(26)
4
4
4
4
3
3
3
3
1
1
Stock-Based Compensation
0
0
0
0
7
3
5
2
12
13
13
20
13
13
13
13
13
12
12
11
10
11
11
11
11
11
11
11
11
12
12
12
12
13
13
13
14
14
14
14
13
13
12
12
11
11
11
11
11
12
11
11
12
12
13
12
12
12
13
13
14
13
13
12
11
11
10
10
10
10
10
10
10
10
9
9
10
10
Other Non-Cash Items
(6)
(4)
(4)
43
51
54
58
16
17
19
28
26
22
23
17
11
9
5
2
8
7
7
8
19
7
6
7
(9)
4
6
5
8
8
9
9
9
11
12
12
11
9
24
24
11
6
4
29
48
6
(11)
(36)
(42)
6
7
6
6
5
5
6
6
6
6
5
4
3
2
2
2
0
(0)
(0)
(1)
(0)
0
(1)
(1)
(1)
(1)
Cash Taxes Paid
31
17
21
28
42
42
41
40
25
25
15
15
19
25
19
16
20
19
16
13
8
8
15
19
20
22
21
19
20
14
12
19
25
25
28
26
23
32
31
33
32
22
34
37
38
38
33
32
33
32
27
17
10
10
2
2
2
2
9
20
26
26
30
31
40
40
38
32
22
22
20
18
16
16
12
14
16
17
Cash Interest Paid
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
5
8
10
0
9
11
14
19
21
24
25
26
27
28
31
36
42
49
55
61
65
72
78
82
85
80
71
54
39
26
18
16
16
16
20
37
68
107
150
195
222
237
243
237
229
220
209
205
201
Change in Working Capital
302
85
23
226
213
87
40
48
(53)
(11)
(34)
(227)
232
111
182
204
88
191
149
264
108
100
103
37
134
133
125
128
53
38
45
16
6
(5)
(9)
(6)
(8)
(13)
(23)
(40)
(35)
(26)
(34)
(21)
(18)
(20)
(16)
(31)
(29)
(72)
(30)
(12)
(28)
(41)
(15)
(27)
(21)
(27)
(52)
10
(23)
(27)
(1)
(67)
(39)
30
(37)
(12)
(7)
(48)
(2)
58
(13)
(6)
0
(72)
(32)
(20)
Cash from Operating Activities
356
N/A
141
-60%
72
-49%
291
+302%
273
-6%
153
-44%
115
-25%
105
-9%
29
-72%
66
+127%
47
-29%
(141)
N/A
272
N/A
151
-45%
209
+39%
223
+7%
117
-48%
204
+75%
159
-22%
275
+73%
136
-51%
141
+4%
142
+1%
84
-41%
156
+85%
156
+1%
164
+5%
167
+2%
141
-16%
129
-8%
136
+5%
110
-19%
104
-5%
95
-9%
91
-4%
94
+4%
102
+8%
100
-2%
94
-6%
81
-14%
85
+5%
113
+33%
109
-3%
111
+2%
101
-9%
102
+1%
132
+30%
136
+3%
92
-32%
29
-69%
40
+41%
48
+20%
103
+113%
98
-5%
122
+25%
122
0%
122
N/A
117
-4%
103
-11%
152
+47%
83
-45%
67
-20%
80
+20%
13
-84%
39
+202%
110
+183%
41
-62%
65
+57%
91
+40%
48
-47%
98
+103%
161
+64%
89
-45%
98
+10%
105
+7%
35
-67%
82
+137%
96
+16%
Investing Cash Flow
Capital Expenditures
(4)
(5)
(6)
(7)
(9)
(9)
(8)
(6)
(5)
(5)
(5)
(6)
(4)
(4)
(5)
(4)
(4)
(5)
(3)
(4)
(3)
(3)
(2)
(3)
(7)
(8)
(11)
(6)
(3)
(3)
(0)
(4)
(3)
(3)
(2)
(4)
(6)
(7)
(9)
(10)
(9)
(7)
(5)
(3)
(4)
(8)
(9)
(10)
(8)
(6)
(5)
(5)
(4)
(3)
(3)
(4)
(3)
(3)
(3)
(2)
(1)
(1)
(1)
(2)
(3)
(4)
(5)
(5)
(5)
(4)
(4)
(3)
(3)
(3)
(9)
(10)
(11)
(12)
Other Items
134
108
111
(134)
(1 294)
(1 464)
(1 514)
(1 380)
(1 150)
(1 051)
(577)
(221)
123
210
24
418
(122)
(459)
(512)
(832)
(390)
(192)
(359)
(689)
(734)
(368)
(11)
240
148
(77)
(481)
(651)
(666)
(745)
(659)
(590)
(595)
(446)
(391)
(369)
(445)
(622)
(855)
(844)
(751)
(707)
(537)
(435)
(467)
(385)
(230)
(377)
(338)
(513)
(671)
(350)
151
455
855
801
549
338
(448)
(1 386)
(1 872)
(1 962)
(1 544)
(1 114)
(1 004)
(798)
(627)
(294)
(122)
(83)
(192)
(412)
(373)
(355)
Cash from Investing Activities
130
N/A
103
-21%
106
+3%
(141)
N/A
(1 303)
-826%
(1 473)
-13%
(1 523)
-3%
(1 386)
+9%
(1 155)
+17%
(1 055)
+9%
(582)
+45%
(226)
+61%
119
N/A
206
+73%
19
-91%
414
+2 056%
(126)
N/A
(464)
-268%
(516)
-11%
(835)
-62%
(392)
+53%
(195)
+50%
(361)
-85%
(692)
-92%
(741)
-7%
(376)
+49%
(22)
+94%
234
N/A
145
-38%
(80)
N/A
(481)
-502%
(655)
-36%
(669)
-2%
(748)
-12%
(662)
+12%
(594)
+10%
(600)
-1%
(453)
+25%
(400)
+12%
(378)
+5%
(454)
-20%
(628)
-38%
(860)
-37%
(847)
+2%
(755)
+11%
(714)
+5%
(546)
+24%
(444)
+19%
(475)
-7%
(391)
+18%
(234)
+40%
(381)
-63%
(342)
+10%
(517)
-51%
(674)
-30%
(354)
+48%
148
N/A
452
+206%
852
+88%
799
-6%
547
-32%
337
-38%
(449)
N/A
(1 387)
-209%
(1 875)
-35%
(1 966)
-5%
(1 549)
+21%
(1 119)
+28%
(1 009)
+10%
(802)
+21%
(632)
+21%
(297)
+53%
(125)
+58%
(86)
+31%
(201)
-135%
(422)
-110%
(384)
+9%
(367)
+4%
Financing Cash Flow
Net Issuance of Common Stock
0
0
945
993
993
0
48
(69)
(186)
(246)
(272)
(206)
(103)
(45)
(19)
(15)
(2)
0
0
0
0
0
0
0
0
0
0
0
0
(26)
(26)
(68)
(101)
(115)
(160)
(161)
(177)
(176)
(165)
(150)
(136)
(117)
(91)
(81)
(57)
(45)
(43)
(29)
(22)
(17)
(15)
(12)
(11)
(9)
(6)
(4)
(2)
(3)
(4)
(4)
(6)
(4)
(4)
(8)
(6)
(10)
(10)
(6)
(6)
(3)
(2)
(2)
(2)
(1)
(1)
(2)
(4)
(6)
Net Issuance of Debt
(692)
0
0
0
(25)
0
0
0
498
0
0
0
(498)
0
0
0
0
0
0
0
50
0
0
0
316
0
0
0
(53)
0
0
0
(5)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Cash Paid for Dividends
0
0
0
0
0
0
(5)
(10)
(14)
(18)
(18)
(19)
(20)
(21)
(21)
(21)
(16)
(10)
(5)
0
0
0
0
0
0
0
0
0
0
0
0
0
(5)
(10)
(14)
(19)
(20)
(21)
(22)
(23)
(23)
(24)
(25)
(26)
(28)
(30)
(32)
(34)
(38)
(42)
(45)
(49)
(51)
(52)
(53)
(55)
(56)
(56)
(57)
(57)
(57)
(57)
(57)
(58)
(58)
(58)
(58)
(58)
(58)
(58)
(59)
(59)
(59)
(59)
(59)
(59)
(60)
(60)
Other
339
135
247
(101)
639
623
482
353
131
593
401
666
404
(107)
115
176
463
336
149
(112)
(242)
(35)
372
649
283
299
(200)
(422)
(256)
13
408
625
572
743
703
653
668
433
431
447
605
823
948
906
775
684
520
364
443
384
242
407
305
474
664
348
11
(291)
(542)
(640)
(578)
(434)
136
1 248
1 782
1 960
1 626
1 167
1 079
923
767
322
94
(38)
26
340
331
328
Cash from Financing Activities
(354)
N/A
135
N/A
1 192
+786%
892
-25%
1 607
+80%
1 616
+1%
525
-67%
274
-48%
429
+56%
329
-23%
111
-66%
440
+296%
(216)
N/A
(173)
+20%
75
N/A
140
+86%
446
+219%
326
-27%
144
-56%
(112)
N/A
(192)
-72%
(35)
+82%
372
N/A
649
+74%
599
-8%
299
-50%
(200)
N/A
(422)
-111%
(308)
+27%
(66)
+79%
329
N/A
504
+53%
461
-9%
613
+33%
524
-15%
468
-11%
472
+1%
237
-50%
245
+3%
275
+12%
445
+62%
682
+53%
832
+22%
799
-4%
691
-14%
609
-12%
445
-27%
301
-32%
384
+28%
325
-15%
182
-44%
346
+90%
244
-29%
413
+69%
605
+46%
290
-52%
(47)
N/A
(350)
-653%
(602)
-72%
(700)
-16%
(640)
+9%
(496)
+23%
75
N/A
1 182
+1 486%
1 717
+45%
1 892
+10%
1 558
-18%
1 103
-29%
1 015
-8%
862
-15%
707
-18%
260
-63%
33
-87%
(98)
N/A
(34)
+65%
280
N/A
267
-4%
262
-2%
Change in Cash
Net Change in Cash
133
N/A
378
+185%
1 370
+262%
1 042
-24%
577
-45%
296
-49%
(883)
N/A
(1 008)
-14%
(697)
+31%
(660)
+5%
(424)
+36%
73
N/A
175
+139%
184
+5%
303
+65%
777
+156%
437
-44%
67
-85%
(213)
N/A
(672)
-215%
(449)
+33%
(88)
+80%
154
N/A
41
-73%
13
-67%
79
+492%
(58)
N/A
(21)
+63%
(22)
-4%
(17)
+26%
(16)
+2%
(42)
-155%
(105)
-152%
(41)
+61%
(47)
-15%
(31)
+34%
(26)
+17%
(116)
-347%
(62)
+47%
(23)
+63%
76
N/A
167
+120%
81
-51%
64
-22%
37
-42%
(3)
N/A
30
N/A
(6)
N/A
2
N/A
(37)
N/A
(12)
+68%
13
N/A
5
-59%
(5)
N/A
53
N/A
58
+9%
223
+286%
219
-2%
353
+61%
251
-29%
(10)
N/A
(92)
-856%
(295)
-221%
(193)
+35%
(119)
+38%
36
N/A
51
+42%
49
-4%
97
+100%
108
+11%
173
+60%
124
-28%
(3)
N/A
(86)
-2 735%
(131)
-52%
(108)
+18%
(34)
+68%
(9)
+73%

See Also

Summary
TFSL intrinsic value, competitors valuation, and company profile.
DCF Valuation
TFSL stock valuation using Discount Cash Flow valuation method.
Relative Valuation
TFSL stock valuation using valuation multiples.
Wall Street Estimates
TFSL price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
TFSL stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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