📊 TFSL Key Takeaways
Is TFS Financial CORP (TFSL) a Good Investment?
TFS Financial exhibits concerning structural profitability challenges with critical interest coverage of only 0.2x, indicating insufficient operating income to service interest expenses—a red flag for any financial institution. While exceptional revenue growth of 160.7% YoY and strong free cash flow generation ($70.5M) demonstrate operational activity, severe margin compression (net income growth of only 1.6% despite massive revenue growth) and critically low returns (ROE 2.4%, ROA 0.3%) indicate deteriorating financial health and operational efficiency.
TFS Financial CORP Key Strengths (TFSL)
- Exceptional revenue growth of 160.7% YoY demonstrates strong business activity and market demand
- Positive free cash flow of $70.5M with strong 17.9% FCF margin shows cash generation capacity
- No reported long-term debt (0.00x debt/equity ratio) limits leverage risk
TFSL Stock Risks: TFS Financial CORP Investment Risks
- Critical interest coverage ratio of 0.2x—company cannot cover interest expenses from operating income, a severe red flag for financial institutions
- Extreme margin compression with net income growing only 1.6% despite 160.7% revenue growth signals deteriorating operational efficiency
- Critically low return metrics (ROE 2.4%, ROA 0.3%) well below industry standards indicate poor capital allocation and profitability
Key Metrics to Watch
- Interest coverage ratio and interest expense trends—must improve above 1.0x for sustainability
- Net profit margin and net income growth relative to revenue to confirm margin stabilization
- Return on equity and return on assets—need substantial improvement toward industry benchmarks
TFS Financial CORP (TFSL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
TFSL Profit Margin, ROE & Profitability Analysis
TFSL vs Finance Sector: How TFS Financial CORP Compares
How TFS Financial CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is TFS Financial CORP Stock Overvalued? TFSL Valuation Analysis 2026
Based on fundamental analysis, TFS Financial CORP has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
TFS Financial CORP Balance Sheet: TFSL Debt, Cash & Liquidity
TFSL Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: TFS Financial CORP's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.26 reflects profitable operations.
TFSL Revenue Growth, EPS Growth & YoY Performance
TFSL Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2019 | $251.0K | -$1.1M | $0.07 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
TFS Financial CORP Dividends, Buybacks & Capital Allocation
TFSL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for TFS Financial CORP (CIK: 0001381668)
📋 Recent SEC Filings
❓ Frequently Asked Questions about TFSL
What is the AI rating for TFSL?
TFS Financial CORP (TFSL) has an AI grade of C with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TFSL's key strengths?
Claude: Exceptional revenue growth of 160.7% YoY demonstrates strong business activity and market demand. Positive free cash flow of $70.5M with strong 17.9% FCF margin shows cash generation capacity.
What are the risks of investing in TFSL?
Claude: Critical interest coverage ratio of 0.2x—company cannot cover interest expenses from operating income, a severe red flag for financial institutions. Extreme margin compression with net income growing only 1.6% despite 160.7% revenue growth signals deteriorating operational efficiency.
What is TFSL's revenue and growth?
TFS Financial CORP reported revenue of $393.2M.
Does TFSL pay dividends?
TFS Financial CORP pays dividends, with $30.0M distributed to shareholders in the trailing twelve months.
Where can I find TFSL SEC filings?
Official SEC filings for TFS Financial CORP (CIK: 0001381668) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TFSL's EPS?
TFS Financial CORP has a diluted EPS of $0.16.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is TFSL's fundamental grade?
Based on our AI fundamental analysis in June 2026, TFS Financial CORP has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is TFSL stock overvalued or undervalued?
Valuation metrics for TFSL: ROE of 2.4% (sector avg: 12%), net margin of 11.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is TFSL's AI grade for 2026?
Our dual AI analysis gives TFS Financial CORP a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is TFSL's free cash flow?
TFS Financial CORP's operating cash flow is $76.4M, with capital expenditures of $5.9M. FCF margin is 17.9%.
How does TFSL compare to other Finance stocks?
Vs Finance sector averages: Net margin 11.6% (avg: 25%), ROE 2.4% (avg: 12%), current ratio N/A (avg: 1.2).