$TFSL Market Cap: $3.809 Billion
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Financial Snapshot

Revenue
$555.2M
TTM
Gross Margin
Net Earnings
$80.97M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
$17.06B
Q4 2024
Total Liabilities
$15.14B
Q4 2024
Book Value
$1.914B
Q4 2024
Cash
$465.9M
Q4 2024
P/E
47.04
Nov 29, 2024 EST
Free Cash Flow
$94.82M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005
Revenue $734.1M $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 19.96% 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

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005
Revenue $734.1M $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

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2024 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 $4.615M $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 -6.22% -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 %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005
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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005
Pretax Income $100.3M $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 7.44% 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 $20.73M $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 20.66% 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 $79.59M $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 5.76% 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 10.84% 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 $0.28 $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 $0.28 $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

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

No data

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

No data

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 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 $76.06M $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 5.3% 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 $11.73M -$13.18M $9.166M $9.000M $3.000M $5.000M $2.000M $16.00M $26.00M $34.00M $42.00M $50.00M
YoY Change -188.95% -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 $17.09B $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 $23.19M $10.36M $2.237M $2.000M $3.000M $4.000M $4.000M $2.000M $2.000M $2.000M $1.000M $0.00
YoY Change 123.76% 363.21% 11.85% -33.33% -25.0% 0.0% 100.0% 0.0% 0.0% 100.0%
Accrued Expenses $97.85M $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 -13.36% 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 $121.0M $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 -1.84% 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 $0.00
YoY Change
Other Long-Term Liabilities $113.6M $124.4M $117.3M $110.0M $112.0M $103.0M $103.0M $100.0M $92.00M $86.00M $76.00M $71.00M
YoY Change -8.66% 6.11% 6.59% -1.79% 8.74% 0.0% 3.0% 8.7% 6.98% 13.16% 7.04%
Total Long-Term Liabilities $113.6M $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 -8.66% 6.11% 6.59% -1.79% 8.74% 0.0% 3.0% 8.7% 6.98% 13.16% 7.04%
Total Liabilities $15.23B $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 1.58% 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

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005
Basic Shares Outstanding 278.2M shares 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 279.1M shares 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

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $3.8092 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. 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. FLAGSTAR FINANCIAL, INC. Rocket Companies, Inc. Walker & Dunlop, Inc. WSFS FINANCIAL CORP