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STOCKS

TFS Financial Corp (TFSL)

NASDAQ:TFSL

TFSL

TFS Financial

RESEARCH TOOLSreports

TFS Financial (TFSL) Ratios

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248 Followers

TFS Financial Ratios

TFSL's free cash flow for Q1 2026 was $0.41. For the 2026 fiscal year, TFSL's free cash flow was decreased by $ and operating cash flow was $0.14. See a summary of the company’s cash flow.

Ratios	TTM	Sep 25	Sep 24	Sep 23	Sep 22
Liquidity Ratios
Current Ratio	0.05	0.05	0.10	0.11	0.10
Quick Ratio	0.05	0.05	0.10	0.11	0.10
Cash Ratio	0.04	0.04	0.05	0.05	0.04
Solvency Ratio	<0.01	<0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	<0.01	<0.01	<0.01	<0.01	<0.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -15.08B	$ -15.02B	$ -14.18B	$ -13.96B	$ -13.08B
Leverage Ratios
Debt-to-Assets Ratio	0.28	0.28	0.28	0.31	0.31
Debt-to-Equity Ratio	2.62	2.59	2.59	2.75	2.62
Debt-to-Capital Ratio	0.72	0.72	0.72	0.73	0.72
Long-Term Debt-to-Capital Ratio	0.72	0.72	0.72	0.73	0.72
Financial Leverage Ratio	9.21	9.22	9.18	8.78	8.56
Debt Service Coverage Ratio	0.23	0.24	0.22	0.28	0.72
Interest Coverage Ratio	0.24	0.24	0.22	0.28	0.65
Debt to Market Cap	1.32	1.33	1.35	1.62	1.34
Interest Debt Per Share	19.57	19.27	18.97	20.30	17.90
Net Debt to EBITDA	34.14	32.46	36.51	43.39	37.40
Profitability Margins
Gross Profit Margin	40.69%	40.28%	40.15%	48.39%	67.00%
EBIT Margin	14.27%	14.48%	13.22%	14.74%	21.25%
EBITDA Margin	16.48%	17.40%	15.73%	17.60%	27.49%
Operating Profit Margin	14.27%	14.48%	13.22%	14.74%	21.25%
Pretax Profit Margin	14.27%	14.48%	13.22%	14.74%	21.25%
Net Profit Margin	11.29%	11.49%	10.49%	11.88%	17.22%
Continuous Operations Profit Margin	11.29%	11.49%	10.49%	11.88%	17.22%
Net Income Per EBT	79.08%	79.29%	79.34%	80.60%	81.00%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.52%	0.52%	0.47%	0.44%	0.47%
Return on Equity (ROE)	4.79%	4.80%	4.27%	3.90%	4.04%
Return on Capital Employed (ROCE)	1.61%	1.64%	1.45%	1.25%	1.36%
Return on Invested Capital (ROIC)	1.27%	1.30%	1.15%	1.01%	1.10%
Return on Tangible Assets	0.52%	0.52%	0.47%	0.44%	0.47%
Earnings Yield	2.43%	2.48%	2.22%	2.29%	2.07%
Efficiency Ratios
Receivables Turnover	13.34	12.66	12.77	11.75	10.76
Payables Turnover	28.49	32.13	19.59	31.54	63.90
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	19.89	19.79	22.86	18.25	12.54
Asset Turnover	0.05	0.05	0.04	0.04	0.03
Working Capital Turnover Ratio	-0.08	-0.08	-0.09	-0.08	-0.05
Cash Conversion Cycle	14.54	17.47	9.94	19.50	28.21
Days of Sales Outstanding	27.36	28.83	28.57	31.07	33.92
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	12.81	11.36	18.64	11.57	5.71
Operating Cycle	27.36	28.83	28.57	31.07	33.92
Cash Flow Ratios
Operating Cash Flow Per Share	0.34	0.30	0.32	0.33	0.14
Free Cash Flow Per Share	0.30	0.25	0.31	0.31	0.13
CapEx Per Share	0.04	0.04	0.01	0.02	<0.01
Free Cash Flow to Operating Cash Flow	0.87	0.86	0.97	0.94	0.93
Dividend Paid and CapEx Coverage Ratio	1.32	1.16	1.43	1.43	0.64
Capital Expenditure Coverage Ratio	7.66	7.20	28.92	17.79	14.42
Operating Cash Flow Coverage Ratio	0.02	0.02	0.02	0.02	<0.01
Operating Cash Flow to Sales Ratio	0.12	0.10	0.12	0.14	0.09
Free Cash Flow Yield	2.21%	1.93%	2.39%	2.61%	1.00%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	41.23	40.39	44.95	43.58	48.36
Price-to-Sales (P/S) Ratio	4.68	4.64	4.71	5.18	8.32
Price-to-Book (P/B) Ratio	1.97	1.94	1.92	1.70	1.96
Price-to-Free Cash Flow (P/FCF) Ratio	45.32	51.76	41.82	38.30	99.53
Price-to-Operating Cash Flow Ratio	39.15	44.57	40.38	36.15	92.63
Price-to-Earnings Growth (PEG) Ratio	0.41	2.83	12.14	0.00	-4.67
Price-to-Fair Value	1.97	1.94	1.92	1.70	1.96
Enterprise Value Multiple	62.56	59.12	66.49	72.80	67.68
Enterprise Value	8.29B	8.14B	7.94B	8.12B	8.06B
EV to EBITDA	62.56	59.12	66.49	72.80	67.68
EV to Sales	10.31	10.28	10.46	12.81	18.61
EV to Free Cash Flow	99.75	114.77	92.77	94.79	222.46
EV to Operating Cash Flow	86.73	98.82	89.56	89.46	207.03
Tangible Book Value Per Share	6.79	6.73	6.67	6.92	6.62
Shareholders’ Equity Per Share	6.82	6.80	6.70	6.95	6.65
Tax and Other Ratios
Effective Tax Rate	0.21	0.21	0.21	0.19	0.19
Revenue Per Share	2.89	2.84	2.73	2.28	1.56
Net Income Per Share	0.33	0.33	0.29	0.27	0.27
Tax Burden	0.79	0.79	0.79	0.81	0.81
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.15	0.15	0.16	0.20	0.27
Stock-Based Compensation to Revenue	0.01	0.01	0.01	0.02	0.03
Income Quality	1.05	0.91	1.11	1.21	0.52

Currency in USD