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Financials · TFSL

TFS Financial Corporation (TFSL) financials

For the twelve months ended Jun 30, 2026, TFS Financial Corporation reported $343.73M of revenue and $102.06M of net income.

Revenue, TTM
$343.73M
Revenue growth, YoY
+10.5%
Net income, TTM
$102.06M
Net income growth, YoY
+22.7%
Net margin
29.7%
Free cash flow, TTM
$86.27M
EPS, diluted, TTM
$0.36
EPS growth, YoY
+20.0%
Cash
$568.93M
P/E
45.13
P/S
13.40
Market cap
$4.61B
Annual revenue$321.47M
FY2016FY2025
Annual net income$90.96M
FY2016FY2025
Annual free cash flow$70.97M
FY2016FY2025

TFSL revenue and earnings growth

TFSL revenueQ3 2026$89.27M

Quarter YoY
+8.8%
QoQ
+4.7%
FY YoY
+6.0%
5Y CAGR
+1.7%
10Y CAGR
+0.9%

TFSL revenue was $89.27M in fiscal Q3 2026 (ended Jun 30, 2026), up 8.8% from a year earlier and up 4.7% from the prior quarter. For the full fiscal 2025 it was $321.47M, up 6.0% from fiscal 2024. Compound annual growth was +1.7% over 5 years and +0.9% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

TFSL net incomeQ3 2026$30.54M

Quarter YoY
+42.0%
QoQ
+31.4%
FY YoY
+14.3%
5Y CAGR
+1.8%
10Y CAGR
+2.3%

TFSL net income was $30.54M in fiscal Q3 2026 (ended Jun 30, 2026), up 42.0% from a year earlier and up 31.4% from the prior quarter. For the full fiscal 2025 it was $90.96M, up 14.3% from fiscal 2024. Compound annual growth was +1.8% over 5 years and +2.3% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

TFSL EPSQ3 2026$0.11

Quarter YoY
+37.5%
QoQ
+37.5%
FY YoY
+14.3%
5Y CAGR
+2.0%
10Y CAGR
+2.5%

TFSL diluted EPS was $0.11 in fiscal Q3 2026 (ended Jun 30, 2026), up 37.5% from a year earlier and up 37.5% from the prior quarter. For the full fiscal 2025 it was $0.32, up 14.3% from fiscal 2024. Compound annual growth was +2.0% over 5 years and +2.5% over 10 years.

TFSL free cash flowQ3 2026$29.04M

Quarter YoY
+16.0%
QoQ
+116.8%
FY YoY
-17.0%
5Y CAGR
-9.8%
10Y CAGR
-3.0%

TFSL free cash flow was $29.04M in fiscal Q3 2026 (ended Jun 30, 2026), up 16.0% from a year earlier and up 116.8% from the prior quarter. For the full fiscal 2025 it was $70.97M, down 17.0% from fiscal 2024. Compound annual growth was -9.8% over 5 years and -3.0% over 10 years. It rose in 4 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Revenue$321.47M$303.16M$305.00M$291.20M$286.93M$295.52M$285.88M$302.48M$298.75M$295.37M
Interest expense--$328.35M$141.94M$157.72M$213.03M$216.67M$162.10M$130.10M$118.03M
Pre-tax income$114.72M$100.31M$93.37M$92.05M$100.09M$100.25M$102.21M$121.16M$133.34M$122.36M
Income tax$23.76M$20.73M$18.12M$17.49M$19.09M$16.93M$21.98M$35.76M$44.46M$41.81M
Net income$90.96M$79.59M$75.25M$74.56M$81.01M$83.32M$80.24M$85.41M$88.88M$80.55M
EPS, basic$0.32$0.28$0.27$0.26$0.29$0.30$0.29$0.31$0.32$0.28
EPS, diluted$0.32$0.28$0.26$0.26$0.29$0.29$0.28$0.30$0.32$0.28
Diluted shares279.8M279.1M278.6M278.7M278.6M277.8M277.4M277.3M279.3M283.8M

Balance sheet

Balance sheet
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Cash and equivalents$429.44M$463.72M$466.75M$369.56M$488.33M$498.03M$275.14M$269.77M$268.22M$231.24M
Total assets$17.46B$17.09B$16.92B$15.79B$14.06B$14.64B$14.54B$14.14B$13.69B$12.91B
Total liabilities$15.56B$15.23B$14.99B$13.95B$12.33B$12.97B$12.85B$12.38B$12.00B$11.25B
Shareholders' equity$1.89B$1.86B$1.93B$1.84B$1.73B$1.67B$1.70B$1.76B$1.69B$1.66B

Cash flow

Cash flow
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Operating cash flow$82.42M$88.60M$90.72M$38.93M$83.16M$121.80M$103.00M$92.11M$101.17M$84.91M
Capital expenditures$11.45M$3.06M$5.10M$2.70M$1.34M$3.21M$3.78M$8.37M$4.15M$9.13M
Free cash flow$70.97M$85.54M$85.62M$36.23M$81.82M$118.59M$99.22M$83.74M$97.02M$75.79M
Investing cash flow-$383.98M-$124.71M-$1.01B-$1.88B$547.36M$147.58M-$341.98M-$474.86M-$754.81M-$454.38M
Financing cash flow$267.28M$33.08M$1.02B$1.72B-$640.22M-$46.48M$244.35M$384.30M$690.62M$445.33M
Dividends paid$59.53M$58.95M$58.29M$58.30M$56.64M$55.47M$50.47M$37.63M$27.71M$23.41M
Share repurchases$3.98M$1.93M$5.98M$6.29M$5.59M$2.32M$9.09M$19.74M$54.03M$128.36M
Stock-based compensation$9.65M$9.50M$10.00M$11.01M$13.71M$12.12M$11.78M$11.36M$11.25M$13.44M
Depreciation and amortization$4.62M$4.62M$4.92M$5.39M$5.42M$5.43M$5.88M$5.72M$5.63M$5.51M

Key ratios

Key ratios
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Revenue growth, YoY6.0%-0.6%4.7%1.5%-2.9%3.4%-5.5%1.2%1.1%0.3%
Net income growth, YoY14.3%5.8%0.9%-8.0%-2.8%3.8%-6.1%-3.9%10.3%11.0%
EPS growth, YoY14.3%7.7%0.0%-10.3%0.0%3.6%-6.7%-6.3%14.3%12.0%
Net margin28.3%26.3%24.7%25.6%28.2%28.2%28.1%28.2%29.8%27.3%
Free cash flow margin22.1%28.2%28.1%12.4%28.5%40.1%34.7%27.7%32.5%25.7%
Return on equity4.8%4.3%3.9%4.0%4.7%5.0%4.7%4.9%5.3%4.9%
Return on assets0.5%0.5%0.4%0.5%0.6%0.6%0.6%0.6%0.6%0.6%

Source: XBRL data TFS Financial Corporation files with the SEC, latest filing dated Aug 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

TFSL peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
TFSL$343.73M+10.5%$102.06M29.7%$4.61B
HSBC$68.27B+3.7%$23.13B33.9%$298.91B
AX$1.55B+23.0%$507.67M32.7%$5.26B
EBC$1.19B+61.8%$381.02M32.1%$5.22B
PFS$924.11M+8.6%$310.15M33.6%$3.16B
BKU$1.13B+5.4%$273.97M24.3%$3.14B
CFFN$229.25M+19.4%$82.83M36.1%$1.06B
HTB$218.02M+3.4%$66.49M30.5%$743.0M

TFSL FAQ

8 questions
  • What is TFSL revenue?
    TFS Financial Corporation (TFSL) reported $343.73M of revenue for the twelve months ended Jun 30, 2026. That is up 10.5% from the year before. Revenue for fiscal 2025 was $321.47M.
  • Is TFSL profitable?
    Yes. TFS Financial Corporation earned $102.06M in net income for the twelve months ended Jun 30, 2026, a net margin of 29.7%.
  • How much cash and debt does TFSL have?
    TFS Financial Corporation reported $568.93M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is TFSL revenue growing?
    TFS Financial Corporation's revenue changed +6.0% in fiscal 2025, to $321.47M. Its compound annual growth rate was +1.7% over 5 years and +0.9% over 10 years.
  • What is TFSL free cash flow?
    TFS Financial Corporation generated $86.27M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $97.80M less capital expenditures.
  • What is TFSL earnings per share?
    Diluted earnings per share were $0.36 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did TFSL last report financial results?
    The latest statements here come from TFS Financial Corporation's 10-Q filed on Aug 6, 2026, covering the period ended Jun 30, 2026.
  • Where does this TFSL financial data come from?
    Quantisnow builds these statements from the structured XBRL data TFS Financial Corporation files with the SEC. It is provided for information only and is not investment advice.