Tfs Financial Corp - Understand $tfsl stock

$TFSL Market Cap: $3.691 Billion

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Financial Snapshot

Revenue

$545.6M

TTM

Gross Margin

Net Earnings

$80.51M

TTM

Current Assets

Current Liabilities

$202.7M

Q2 2024

Current Ratio

Total Assets

$17.03B

Q2 2024

Total Liabilities

$15.12B

Q2 2024

Book Value

$1.915B

Q2 2024

Cash

$560.4M

Q2 2024

P/E

45.85

Sep 13, 2024 EST

Free Cash Flow

$157.7M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005
Revenue	$611.9M	$409.3M	$389.4M	$455.3M	$482.1M	$443.0M	$409.0M	$388.4M	$383.5M	$374.7M	$384.0M	$417.9M	$427.5M	$437.9M
YoY Change	49.49%	5.13%	-14.48%	-5.56%	8.81%	8.33%	5.29%	1.29%	2.35%	-2.42%	-8.11%	-2.26%	-2.37%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$611.9M	$409.3M	$389.4M	$455.3M	$482.1M	$443.0M	$409.0M	$388.4M	$383.5M	$374.7M	$384.0M	$417.9M	$427.5M	$437.9M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$4.921M	$5.393M	$5.422M	$5.435M	$5.885M	$5.722M	$5.633M	$5.507M	$4.798M	$4.621M	$5.392M	$5.414M	$5.485M	$6.625M	$18.50M	$8.800M	$6.900M	$11.60M	$19.40M
YoY Change	-8.75%	-0.53%	-0.24%	-7.65%	2.85%	1.58%	2.29%	14.78%	3.83%	-14.3%	-0.41%	-1.29%	-17.21%	-64.19%	110.23%	27.54%	-40.52%	-40.21%	115.56%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$328.4M	$141.9M	$157.7M	$213.0M	$216.7M	$162.1M	$130.1M	$118.0M	$113.4M	$103.3M	$115.4M	$155.6M	$179.8M	$210.4M
YoY Change	131.34%	-10.01%	-25.96%	-1.68%	33.66%	24.6%	10.23%	4.13%	9.78%	-10.54%	-25.85%	-13.46%	-14.52%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005
Pretax Income	$93.37M	$92.05M	$100.1M	$100.2M	$102.2M	$121.2M	$133.3M	$122.4M	$109.4M	$98.86M	$82.36M	$13.61M	$12.08M	$18.21M	$20.10M	$81.70M	$43.90M	$61.70M	$97.00M
YoY Change	1.43%	-8.03%	-0.15%	-1.92%	-15.64%	-9.13%	8.97%	11.85%	10.66%	20.03%	505.06%	12.73%	-33.69%	-9.4%	-75.4%	86.1%	-28.85%	-36.39%	18.58%
Income Tax	$18.12M	$17.49M	$19.09M	$16.93M	$21.98M	$35.76M	$44.46M	$41.81M	$36.80M	$32.97M	$26.40M	$2.133M	$2.735M	$6.873M	$5.700M	$27.20M	$18.30M	$18.20M	$32.50M
% Of Pretax Income	19.4%	19.0%	19.07%	16.89%	21.5%	29.51%	33.35%	34.17%	33.64%	33.35%	32.06%	15.67%	22.65%	37.74%	28.36%	33.29%	41.69%	29.5%	33.51%
Net Earnings	$75.25M	$74.57M	$81.01M	$83.32M	$80.24M	$85.41M	$88.88M	$80.55M	$72.59M	$65.89M	$55.96M	$11.48M	$9.340M	$11.34M	$14.40M	$54.50M	$25.60M	$43.50M	$64.50M
YoY Change	0.92%	-7.95%	-2.77%	3.84%	-6.05%	-3.9%	10.33%	10.97%	10.17%	17.75%	387.49%	22.9%	-17.62%	-21.26%	-73.58%	112.89%	-41.15%	-32.56%	16.22%
Net Earnings / Revenue	12.3%	18.22%	20.81%	18.3%	16.64%	19.28%	21.73%	20.74%	18.93%	17.59%	14.57%	2.75%	2.18%	2.59%
Basic Earnings Per Share	$0.27	$0.26	$0.29	$0.30	$0.29	$0.31	$0.32	$0.28	$0.25	$0.22	$0.18	$0.04	$0.03	$0.04
Diluted Earnings Per Share	$0.26	$0.26	$0.29	$0.29	$0.28	$0.30	$0.32	$0.28	$0.25	$0.22	$0.18	$0.04	$0.03	$0.04	$47.75K	$170.6K	$94.99K	$191.5K	$194.1K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$72.23M	$64.72M	$65.00M	$62.00M	$62.00M	$63.00M	$61.00M	$61.00M	$57.00M	$56.00M	$59.00M	$61.00M	$59.00M	$63.00M	$65.00M	$68.00M	$70.00M	$82.00M	$88.00M
YoY Change	11.6%	-0.43%	4.84%	0.0%	-1.59%	3.28%	0.0%	7.02%	1.79%	-5.08%	-3.28%	3.39%	-6.35%	-3.08%	-4.41%	-2.86%	-14.63%	-6.82%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	-$13.18M	$9.166M	$9.000M	$3.000M	$5.000M	$2.000M	$16.00M	$26.00M	$34.00M	$42.00M	$50.00M
YoY Change	-243.81%	1.84%	200.0%	-40.0%	150.0%	-87.5%	-38.46%	-23.53%	-19.05%	-16.0%
Total Long-Term Assets
YoY Change
Total Assets	$16.92B	$15.79B	$14.06B	$14.64B	$14.54B	$14.14B	$13.69B	$12.91B	$12.37B	$11.80B	$11.27B	$11.52B	$10.89B	$11.08B	$10.60B	$10.79B	$10.28B	$8.596B	$8.914B
YoY Change
Accounts Payable	$10.36M	$2.237M	$2.000M	$3.000M	$4.000M	$4.000M	$2.000M	$2.000M	$2.000M	$1.000M	$0.00
YoY Change	363.21%	11.85%	-33.33%	-25.0%	0.0%	100.0%	0.0%	0.0%	100.0%
Accrued Expenses	$112.9M	$84.14M	$89.00M	$66.00M	$40.00M	$31.00M	$43.00M	$54.00M	$49.00M	$40.00M	$41.00M	$46.00M	$53.00M	$65.00M	$58.00M	$55.00M	$32.00M	$44.00M	$32.00M
YoY Change	34.22%	-5.46%	34.85%	65.0%	29.03%	-27.91%	-20.37%	10.2%	22.5%	-2.44%	-10.87%	-13.21%	-18.46%	12.07%	5.45%	71.88%	-27.27%	37.5%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$123.3M	$86.38M	$91.00M	$69.00M	$44.00M	$35.00M	$45.00M	$56.00M	$51.00M	$41.00M	$41.00M	$46.00M	$53.00M	$65.00M	$58.00M	$55.00M	$32.00M	$44.00M	$32.00M
YoY Change	42.74%	-5.08%	31.88%	56.82%	25.71%	-22.22%	-19.64%	9.8%	24.39%	0.0%	-10.87%	-13.21%	-18.46%	12.07%	5.45%	71.88%	-27.27%	37.5%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities	$124.4M	$117.3M	$110.0M	$112.0M	$103.0M	$103.0M	$100.0M	$92.00M	$86.00M	$76.00M	$71.00M
YoY Change	6.11%	6.59%	-1.79%	8.74%	0.0%	3.0%	8.7%	6.98%	13.16%	7.04%
Total Long-Term Liabilities	$124.4M	$117.3M	$110.0M	$112.0M	$103.0M	$103.0M	$100.0M	$92.00M	$86.00M	$76.00M	$71.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	6.11%	6.59%	-1.79%	8.74%	0.0%	3.0%	8.7%	6.98%	13.16%	7.04%
Total Liabilities	$14.99B	$13.95B	$12.33B	$12.97B	$12.85B	$12.38B	$12.00B	$11.25B	$10.64B	$9.964B	$9.398B	$9.711B	$9.119B	$9.323B	$8.853B	$8.943B	$8.292B	$7.583B	$7.940B
YoY Change	7.49%	13.15%	-4.97%	0.97%	3.77%	3.13%	6.73%	5.7%	6.78%	6.02%	-3.22%	6.49%	-2.19%	5.31%	-1.01%	7.85%	9.35%	-4.5%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	277.4M shares	277.4M shares	276.7M shares	275.9M shares	275.4M shares	275.6M shares	277.2M shares	281.6M shares	289.9M shares	299.0M shares	301.8M shares	301.2M shares	300.4M shares	299.8M shares
Diluted Shares Outstanding	278.6M shares	278.7M shares	278.6M shares	277.8M shares	277.4M shares	277.3M shares	279.3M shares	283.8M shares	292.2M shares	300.6M shares	302.7M shares	301.8M shares	301.0M shares	300.3M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Dividends

Stock Price

Market Cap: $3.6913 Billion

About TFS Financial Corp

TFS Financial Corp. is a holding company, which engages in the provision of retail consumer banking services. The company is headquartered in Cleveland, Ohio and currently employs 995 full-time employees. The company went IPO on 2007-04-23. The Association is a federally chartered savings and loan association, and its principal business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits. The Association’s principal lending activity is the origination of fixed-rate and adjustable-rate, first mortgage loans to purchase or refinance residential real estate. The Association's loan portfolio includes residential mortgage loans, home equity loans and lines of credit and construction loans. The Association conducts its operations from its main office in Cleveland, Ohio, and from approximately 37 additional, full-service branches and five loan production offices located throughout the states of Ohio and Florida. The firm provides savings products in all 50 states and first mortgage refinance loans in 21 states and the District of Columbia.

Industry: Savings Institution, Federally Chartered Peers: RADIAN GROUP INC Enact Holdings Inc UWM Holdings Corp MGIC Investment Corp Mr Cooper Group Inc New York Community Bancorp Inc Rocket Companies Inc Walker & Dunlop Inc WSFS Financial Corp