Company Analysis TFS Financial Corporation
1. Summary
Advantages
- Dividends (9.63%) are higher than the sector average (1.93%).
- The stock's return over the last year (-11.1%) is higher than the sector average (-20.24%).
Disadvantages
- Price (13.01 $) is higher than fair price (3.08 $)
- Current debt level 28.04% has increased over 5 years from 26.31%.
- The company's current efficiency (ROE=4.2%) is lower than the sector average (ROE=5.61%)
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| TFS Financial Corporation | Financials | Index | |
|---|---|---|---|
| 7 days | -2.1% | -6.2% | -1.3% |
| 90 days | -0.5% | -28.8% | 9.3% |
| 1 year | -11.1% | -20.2% | 31.8% |
TFSL vs Sector: TFS Financial Corporation has outperformed the "Financials" sector by 9.14% over the past year.
TFSL vs Market: TFS Financial Corporation has significantly underperformed the market by -42.95% over the past year.
Stable price: TFSL is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: TFSL with weekly volatility of -0.2135% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (13.01 $) is higher than the fair price (3.08 $).
Price is higher than fair: The current price (13.01 $) is 76.3% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (45.1) is higher than that of the sector as a whole (38.91).
P/E vs Market: The company's P/E (45.1) is lower than that of the market as a whole (48.89).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.93) is higher than that of the sector as a whole (0.6287).
P/BV vs Market: The company's P/BV (1.93) is lower than that of the market as a whole (3.36).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (11.84) is higher than that of the sector as a whole (4.98).
P/S vs Market: The company's P/S indicator (11.84) is higher than that of the market as a whole (10.23).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (83.56) is higher than that of the sector as a whole (40.88).
EV/Ebitda vs Market: The company's EV/Ebitda (83.56) is higher than that of the market as a whole (28.27).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -0.1526% over the last 5 years.
Accelerating profitability: The return for the last year (5.76%) exceeds the average return for 5 years (-0.1526%).
Profitability vs Sector: The return for the last year (5.76%) exceeds the return for the sector (4.17%).
5.4. ROE
ROE vs Sector: The company's ROE (4.2%) is lower than that of the sector as a whole (5.61%).
ROE vs Market: The company's ROE (4.2%) is lower than that of the market as a whole (10.79%).
5.5. ROA
ROA vs Sector: The company's ROA (0.468%) is lower than that of the sector as a whole (5.48%).
ROA vs Market: The company's ROA (0.468%) is lower than that of the market as a whole (6.51%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 9.63% is higher than the average for the sector '1.93%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 9.63% has been steadily paid over the past 7 years, DSI=1.
Weak dividend growth: The company's dividend yield 9.63% has been growing weakly or stagnant over the past 5 years. Growth over only 1 year.
7.3. Payout percentage
Dividend Coverage: Current payments from income (74.07%) are at a comfortable level.
8. Insider trades
8.1. Insider trading
Insider Buying Exceeds insider sales by 100% over the last 3 months.
8.2. Latest transactions
| Transaction date | Insider | Type | Price | Volume | Quantity |
|---|---|---|---|---|---|
| 24.09.2024 | Weir Daniel F Director |
Purchase | 13.17 | 5 571 | 423 |
| 24.09.2024 | Weir Daniel F Director |
Purchase | 13.17 | 4 122 | 313 |
| 02.08.2024 | Stefanski Marc A Chairman, President and CEO |
Sale | 12.82 | 205 120 | 16 000 |
| 25.06.2024 | Weir Daniel F Director |
Purchase | 12.49 | 4 034 | 323 |
| 13.05.2024 | Zbanek Cathy W Chief Synergy Officer |
Sale | 13.04 | 130 400 | 10 000 |
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