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STOCKS

Tfs Financial (TFSL)

:TFSL

TFSL

TFS Financial

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TFS Financial (TFSL) Ratios

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TFS Financial Ratios

TFSL's free cash flow for Q3 2025 was $0.41. 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	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	99.30	387.90	508.22	322.07
Quick Ratio	0.00	149.69	571.63	788.84	496.40
Cash Ratio	0.00	45.04	165.21	263.67	162.33
Solvency Ratio	<0.01	0.02	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	0.00	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	$ -14.96B	$ -4.24B	$ -13.08B	$ -11.38B	$ -11.98B
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.31	0.30	0.22	0.24
Debt-to-Equity Ratio	0.00	2.74	2.60	1.78	2.11
Debt-to-Capital Ratio	0.00	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	9.22	8.78	8.56	8.11	8.76
Debt Service Coverage Ratio	0.16	0.28	0.72	0.72	0.55
Interest Coverage Ratio	0.17	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	1.69	20.19	17.79	11.74	13.54
Net Debt to EBITDA	-0.24	43.12	37.15	19.62	22.72
Profitability Margins
Gross Profit Margin	30.73%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	10.78%	30.61%	31.61%	34.88%	33.92%
EBITDA Margin	12.98%	36.55%	40.90%	46.24%	45.03%
Operating Profit Margin	10.78%	30.61%	80.35%	34.88%	33.92%
Pretax Profit Margin	15.03%	30.61%	31.61%	34.88%	33.92%
Net Profit Margin	11.92%	24.67%	25.61%	28.23%	28.19%
Continuous Operations Profit Margin	8.51%	24.67%	25.61%	28.23%	28.19%
Net Income Per EBT	79.29%	80.60%	81.00%	80.93%	83.11%
EBT Per EBIT	139.43%	100.00%	39.34%	100.00%	100.00%
Return on Assets (ROA)	0.52%	0.44%	0.47%	0.58%	0.57%
Return on Equity (ROE)	4.79%	3.90%	4.04%	4.68%	4.98%
Return on Capital Employed (ROCE)	0.47%	0.55%	1.48%	0.71%	0.68%
Return on Invested Capital (ROIC)	10.08%	4.80%	13.88%	5.76%	5.60%
Return on Tangible Assets	0.52%	0.44%	0.47%	0.58%	0.57%
Earnings Yield	2.39%	2.29%	2.07%	1.54%	2.06%
Efficiency Ratios
Receivables Turnover	12.20	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	19.07	8.79	8.43	7.67	7.10
Asset Turnover	0.04	0.02	0.02	0.02	0.02
Working Capital Turnover Ratio	-0.17	0.32	0.32	0.30	0.32
Cash Conversion Cycle	29.92	0.00	0.00	0.00	0.00
Days of Sales Outstanding	29.92	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	29.92	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	0.12	0.33	0.14	0.30	0.44
Free Cash Flow Per Share	0.09	0.31	0.13	0.30	0.43
CapEx Per Share	0.04	0.02	<0.01	<0.01	0.01
Free Cash Flow to Operating Cash Flow	0.71	0.94	0.93	0.98	0.97
Dividend Paid and CapEx Coverage Ratio	0.50	1.43	0.64	1.43	2.08
Capital Expenditure Coverage Ratio	3.48	17.79	14.42	62.20	37.98
Operating Cash Flow Coverage Ratio	0.00	0.02	<0.01	0.03	0.03
Operating Cash Flow to Sales Ratio	0.05	0.30	0.13	0.29	0.41
Free Cash Flow Yield	0.65%	2.61%	1.00%	1.55%	2.93%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	41.89	43.58	48.36	65.10	48.64
Price-to-Sales (P/S) Ratio	5.03	10.75	12.38	18.38	13.71
Price-to-Book (P/B) Ratio	2.01	1.70	1.96	3.04	2.42
Price-to-Free Cash Flow (P/FCF) Ratio	154.61	38.30	99.53	64.46	34.17
Price-to-Operating Cash Flow Ratio	109.37	36.15	92.63	63.42	33.27
Price-to-Earnings Growth (PEG) Ratio	4.05	11.33	-4.67	-19.53	14.11
Price-to-Fair Value	2.01	1.70	1.96	3.04	2.42
Enterprise Value Multiple	38.48	72.53	67.42	59.38	53.18
Enterprise Value	3.81B	8.09B	8.03B	7.88B	7.08B
EV to EBITDA	38.48	72.53	67.42	59.38	53.18
EV to Sales	5.00	26.51	27.57	27.45	23.94
EV to Free Cash Flow	153.64	94.44	221.63	96.28	59.67
EV to Operating Cash Flow	109.43	89.13	206.26	94.73	58.10
Tangible Book Value Per Share	6.79	41.91	6.59	6.19	6.00
Shareholders’ Equity Per Share	6.79	6.95	6.65	6.26	6.06
Tax and Other Ratios
Effective Tax Rate	0.21	0.19	0.19	0.19	0.17
Revenue Per Share	2.74	1.10	1.05	1.04	1.07
Net Income Per Share	0.33	0.27	0.27	0.29	0.30
Tax Burden	0.79	0.81	0.81	0.81	0.83
Interest Burden	1.39	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	0.13	0.41	0.41	0.41	0.39
Stock-Based Compensation to Revenue	0.01	0.03	0.04	0.05	0.04
Income Quality	0.42	1.21	0.52	1.03	1.46

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