📊 TFSL Key Takeaways
Is TFS Financial CORP (TFSL) a Good Investment?
TFS Financial Corp exhibits severely inadequate returns despite rapid revenue growth, with ROE of 1.2% and ROA of 0.1% far below industry standards for a financial institution. The 160.7% revenue spike failing to drive proportional earnings growth (1.6% net income increase) signals operational challenges and margin compression that undermine shareholder value creation.
Why Buy TFS Financial CORP Stock? TFSL Key Strengths
- Strong free cash flow generation ($57.1M) with 28.9% FCF margin
- Rapid top-line growth of 160.7% YoY indicating market expansion or acquisition activity
- Zero long-term debt structure reduces financial leverage risk
TFSL Stock Risks: TFS Financial CORP Investment Risks
- Critically low ROE (1.2%) and ROA (0.1%) - returns insufficient for financial institution risk profile
- Deteriorating profitability despite massive revenue growth - suggests operational inefficiency or non-recurring revenue items
- Interest coverage ratio of 0.1x indicates operating income inadequately covers interest expenses
- Thin 10.9% equity-to-assets ratio provides limited capital buffer
Key Metrics to Watch
- Return on Equity trend - must improve above 5% minimum for viability
- Net margin sustainability - understand driver of revenue-to-profit disconnect
- Interest coverage ratio recovery - critical profitability indicator for financial institutions
- Operating efficiency ratio and net interest margin trends
TFS Financial CORP (TFSL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 28.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. 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 rating of SELL with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TFSL's key strengths?
Claude: Strong free cash flow generation ($57.1M) with 28.9% FCF margin. Rapid top-line growth of 160.7% YoY indicating market expansion or acquisition activity.
What are the risks of investing in TFSL?
Claude: Critically low ROE (1.2%) and ROA (0.1%) - returns insufficient for financial institution risk profile. Deteriorating profitability despite massive revenue growth - suggests operational inefficiency or non-recurring revenue items.
What is TFSL's revenue and growth?
TFS Financial CORP reported revenue of $197.8M.
Does TFSL pay dividends?
TFS Financial CORP pays dividends, with $15.1M 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 $0.08.
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 rating reflects both perspectives for balanced insights.
Is TFSL a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, TFS Financial CORP has a SELL rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is TFSL stock overvalued or undervalued?
Valuation metrics for TFSL: ROE of 1.2% (sector avg: 12%), net margin of 11.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy TFSL stock in 2026?
Our dual AI analysis gives TFS Financial CORP a combined SELL rating 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 $58.7M, with capital expenditures of $1.7M. FCF margin is 28.9%.
How does TFSL compare to other Finance stocks?
Vs Finance sector averages: Net margin 11.3% (avg: 25%), ROE 1.2% (avg: 12%), current ratio N/A (avg: 1.2).