Stock AnalizTFS Financial CORP TFSL
Savings Institutions · IPO 2007 · data as of November 13, 2026
TFS Financial CORP (TFSL) is a financial company listed in the US with a market value of about $4.6B. In the twelve months to September 30, 2026 it had revenue of $352M and net income of $101M, a net margin of 28.6%.
Its overall Stock Analiz score is 1.8 out of 5 (weak). The strongest part is financial health (3/5); the weakest is value (0/5).
Key numbers: a P/E of 45.6, a price to free cash flow of 185.1, 5-year revenue growth of 2% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 75% below the current price.
Score: 1.8 / 5
Checks passed
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
- Pays a dividend
- Dividend 3 years in a row
Checks not passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Strong R&D investment or growth above 20%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $352M | $321M | $303M | $305M | $291M | $287M | $296M | $286M | $302M | $299M | $295M |
| Net income | $101M | $91M | $80M | $75M | $75M | $81M | $83M | $80M | $85M | $89M | $81M |
| Free cash flow | $25M | $71M | $86M | $86M | $36M | $82M | $119M | $99M | $84M | $97M | $76M |
| EPS (diluted) | $0.36 | $0.32 | $0.28 | $0.26 | $0.26 | $0.29 | $0.29 | $0.28 | $0.30 | $0.32 | $0.28 |
| Net margin | 28.6% | 28.3% | 26.2% | 24.7% | 25.6% | 28.2% | 28.2% | 28.1% | 28.2% | 29.8% | 27.3% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 2 analysts is $18.00, 10% above the current price; targets range from $18.00 to $18.00; the consensus rating is “Hold”; expected EPS is $0.38 for the fiscal year ending September 30, 2027.
Frequently asked questions
What is TFS Financial CORP’s P/E ratio?
About 45.6, based on the last twelve months of diluted earnings per share (forward P/E about 42.5).
Is TFS Financial CORP stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 75% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does TFS Financial CORP pay a dividend?
Yes. The dividend yield is about 7.72%, and it has paid dividends for 10 years in our data.
Is TFS Financial CORP a good stock to buy?
We do not give buy or sell advice. TFS Financial CORP scores 1.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.