Revenue GrowthTF Bank's 18.1% revenue growth in 2025 reflects durable expansion of interest and fee income from its consumer lending franchise. Sustained top-line growth supports loan-book scale, recurring interest margins and reinvestment in digital distribution, bolstering core earnings capacity over months.
Conservative LeverageMaterial deleveraging to a 0.12 debt-to-equity ratio indicates a stronger, more conservative balance sheet. Lower leverage increases resilience to credit cycles, improves funding optionality for lending growth, and provides capacity to absorb losses or pursue strategic investments over the medium term.
Free Cash Flow QualityNear-1:1 free cash flow to net income in 2025 signals high cash conversion and earnings quality, supporting loan originations, deposit funding and potential shareholder returns without relying heavily on external financing. This cash conversion is a durable pillar for capital allocation discipline.