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STOCKS

TFS Financial Corp (TFSL)

NASDAQ:TFSL

TFSL

TFS Financial

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TFS Financial (TFSL) Ratios

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233 Followers

TFS Financial Ratios

TFSL's free cash flow for Q2 2025 was $0.40. For the 2025 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 24	Sep 23	Sep 22	Sep 21
Liquidity Ratios
Current Ratio	387.90	99.30	387.90	508.22	322.07
Quick Ratio	571.63	149.69	571.63	788.84	496.40
Cash Ratio	165.21	45.04	165.21	263.67	162.33
Solvency Ratio	<0.01	0.02	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	17.40	8.76	17.40	44.90	39.70
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -11.98B	$ -4.24B	$ -13.08B	$ -11.38B	$ -11.98B
Leverage Ratios
Debt-to-Assets Ratio	0.30	0.31	0.30	0.22	0.24
Debt-to-Equity Ratio	2.60	2.74	2.60	1.78	2.11
Debt-to-Capital Ratio	0.72	0.73	0.72	0.64	0.68
Long-Term Debt-to-Capital Ratio	0.00	0.73	0.00	0.64	0.68
Financial Leverage Ratio	8.56	8.78	8.56	8.11	8.76
Debt Service Coverage Ratio	0.72	0.28	0.72	0.72	0.55
Interest Coverage Ratio	1.65	0.28	1.65	0.63	0.47
Debt to Market Cap	0.00	1.62	0.00	0.59	0.88
Interest Debt Per Share	17.79	20.19	17.79	11.74	13.54
Net Debt to EBITDA	22.72	43.12	37.15	19.62	22.72
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	31.61%	30.61%	31.61%	34.88%	33.92%
EBITDA Margin	40.90%	36.55%	40.90%	46.24%	45.03%
Operating Profit Margin	80.35%	30.61%	80.35%	34.88%	33.92%
Pretax Profit Margin	31.61%	30.61%	31.61%	34.88%	33.92%
Net Profit Margin	25.61%	24.67%	25.61%	28.23%	28.19%
Continuous Operations Profit Margin	25.61%	24.67%	25.61%	28.23%	28.19%
Net Income Per EBT	81.00%	80.60%	81.00%	80.93%	83.11%
EBT Per EBIT	39.34%	100.00%	39.34%	100.00%	100.00%
Return on Assets (ROA)	0.57%	0.44%	0.47%	0.58%	0.57%
Return on Equity (ROE)	4.98%	3.90%	4.04%	4.68%	4.98%
Return on Capital Employed (ROCE)	0.68%	0.55%	1.48%	0.71%	0.68%
Return on Invested Capital (ROIC)	5.60%	4.80%	13.88%	5.76%	5.60%
Return on Tangible Assets	0.57%	0.44%	0.47%	0.58%	0.57%
Earnings Yield	2.06%	2.29%	2.07%	1.54%	2.06%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	8.43	8.79	8.43	7.67	7.10
Asset Turnover	0.02	0.02	0.02	0.02	0.02
Working Capital Turnover Ratio	0.32	0.32	0.32	0.30	0.32
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	0.14	0.33	0.14	0.30	0.44
Free Cash Flow Per Share	0.13	0.31	0.13	0.30	0.43
CapEx Per Share	<0.01	0.02	<0.01	<0.01	0.01
Free Cash Flow to Operating Cash Flow	0.93	0.94	0.93	0.98	0.97
Dividend Paid and CapEx Coverage Ratio	0.64	1.43	0.64	1.43	2.08
Capital Expenditure Coverage Ratio	14.42	17.79	14.42	62.20	37.98
Operating Cash Flow Coverage Ratio	<0.01	0.02	<0.01	0.03	0.03
Operating Cash Flow to Sales Ratio	0.13	0.30	0.13	0.29	0.41
Free Cash Flow Yield	2.93%	2.61%	1.00%	1.55%	2.93%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	48.36	43.58	48.36	65.10	48.64
Price-to-Sales (P/S) Ratio	12.38	10.75	12.38	18.38	13.71
Price-to-Book (P/B) Ratio	1.96	1.70	1.96	3.04	2.42
Price-to-Free Cash Flow (P/FCF) Ratio	99.53	38.30	99.53	64.46	34.17
Price-to-Operating Cash Flow Ratio	92.63	36.15	92.63	63.42	33.27
Price-to-Earnings Growth (PEG) Ratio	-4.67	11.33	-4.67	-19.53	14.11
Price-to-Fair Value	1.96	1.70	1.96	3.04	2.42
Enterprise Value Multiple	67.42	72.53	67.42	59.38	53.18
Enterprise Value	7.08B	8.09B	8.03B	7.88B	7.08B
EV to EBITDA	53.18	72.53	67.42	59.38	53.18
EV to Sales	23.94	26.51	27.57	27.45	23.94
EV to Free Cash Flow	59.67	94.44	221.63	96.28	59.67
EV to Operating Cash Flow	58.10	89.13	206.26	94.73	58.10
Tangible Book Value Per Share	6.59	41.91	6.59	6.19	6.00
Shareholders’ Equity Per Share	6.65	6.95	6.65	6.26	6.06
Tax and Other Ratios
Effective Tax Rate	0.19	0.19	0.19	0.19	0.17
Revenue Per Share	1.05	1.10	1.05	1.04	1.07
Net Income Per Share	0.27	0.27	0.27	0.29	0.30
Tax Burden	0.83	0.81	0.81	0.81	0.83
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	0.39	0.41	0.41	0.41	0.39
Stock-Based Compensation to Revenue	0.04	0.03	0.04	0.05	0.04
Income Quality	1.46	1.21	0.52	1.03	1.46

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