TFS Financial Corporation

NASDAQ
TFSL
Stock
Yield per half year: -5.32%
Dividend yield: 8.41%
Sector: Financials

Reporting TFS Financial Corporation

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Capitalization, bln $
4.63 5 4.48 4.25 4.47 5.48 4.87 4.01 3.66 3.93 4.50 -3.92
Revenue, bln $
0.295 0.299 0.3025 0.2859 0.2955 0.2869 0.2912 0.305 0.3032 0.3032 0.2964 0.52
Net profit, bln $
0.081 0.089 0.0854 0.0802 0.0833 0.081 0.0746 0.0753 0.0796 0.0796 0.0788 -0.90
EV, bln $
10.26 8.16 7.61 8.61 7.12 7.95 8.05 8.1 8.38 8.38 7.92 3.31
EBIT, bln $
0.2227 0.2404 0.2634 0.2833 0.3189 0.3133 0.2578 0.0921 0.0934 0.0934 0.2151 -21.78
EBITDA, bln $
0.1417 0.2843 0.3085 0.3418 0.3461 0.2904 0.1191 0.0934 0.1003 0.1003 0.1899 -21.94
OIBDA $
0.15 0.1517 0.2785 0.1115 0.121 0.121 0.1625 -4.21
Book value, bln $
1.66 0.7601 1.76 1.7 1.67 1.73 1.84 1.93 1.86 1.86 1.81 2.18
FCF, bln $
0.076 0.105 0.1386 0.0992 0.1186 0.0818 0.0362 0.0466 0.0088 0.0088 0.0584 -40.56
Operating Cash Flow, bln $
0.0849 0.1087 0.147 0.103 0.1218 0.0832 0.0389 0.0466 0.0886 0.0886 0.0758 -6.17
Operating profit, bln $
0.1224 0.1333 0.1212 0.3189 0.3133 0.2578 0.234 0.0934 0.1003 0.1003 0.1998 -20.37
Operating expenses, bln $
0.291 0.296 0.343 0.4 0.000254 0.000176 -0.0572 -0.2116 0.3032 0.3032 0.0070 312.46
CAPEX, bln $
0.009 0.004 0.0084 0.0038 0.0032 0.0013 0.0027 0.0052 0.0031 0.0031 0.0031 -0.63


Balance sheet

IFRS
Reporting Annual Quarterly
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Cash, bln $
0.2312 0.2682 0.2698 0.2751 0.498 0.4883 0.3696 0.4667 0.0016 0.0016 0.3648 -68.28
Short-Term Investments $
0.5179 0.5375 0.532 0.5479 0.4534 0.4218 0.4579 0.5083 0.0038 0.0038 0.3690 -61.57
Long-Term Investments $
10.64 11.19 11.71 12.42 12.87 0.5479 13.14 0.4218 0.4579 0.5083 3.02 -1.49
Accounts Receivable $
0.0328 0.0355 0.0387 0.0408 0.0366 0.0311 0.0403 0.0539 0.0594 0.0594 0.0443 10.17
Total Current Assets $
12.32 13.09 13.53 0.8638 0.9881 0.9412 0.8677 1.03 0.0054 0.0054 0.7665 -64.72
Net assets, bln $
0.0747 0.0678 1.69 13.53 0.8638 0.9881 0.9412 0.0345 0.9501 0.0345 0.7555 1.92
Assets, bln $
12.91 13.69 14.14 14.54 14.64 14.06 15.79 16.92 17.09 17.09 15.70 3.14
Short-Term Debt $
2.22 2.77 0.2782 0.4203 0.3376 2.98 2.46 2.23 1.42 1.42 1.89 33.28
Long-Term Debt $
2.72 3.67 3.72 3.9 3.52 3.09 4.79 5.27 4.82 4.82 4.30 6.49
Liabilities, bln $
11.25 12 12.38 12.85 12.97 12.33 13.95 5.27 15.26 15.26 11.96 3.31
Net debt, bln $
2.49 3.94 3.45 3.63 3.02 2.6 4.42 4.81 4.79 4.79 3.93 9.66
Debt, bln $
5.49 3.67 3.72 3.9 3.52 3.09 4.79 5.27 4.79 4.79 4.29 6.36
Interest Income $
0.3835 0.3884 0.409 0.443 0.4821 0.4553 0.3894 0.4093 0.6119 0.4696 4.88
Interest Expense, bln $
0.118 0.1301 0.1621 0.2167 0.213 0.1577 0.1419 0.3284 0.4556 0.4556 0.2593 16.42
Net interest income, bln $
0.2701 0.2704 0.409 0.443 0.4821 0.4553 0.3894 0.4093 0.6119 0.6119 0.4696 4.88
Goodwill $
0.0097 0.0097 0.0097 0.0097 0.0097 0.0097 0.0097 0.0097 0.0097 0.0097 0.0097 0.00
Amortization, bln $
0.0175 0.0194 0.0209 0.0252 0.023 0.0328 0.0326 0.027 0.0181 0.0181 0.0267 -4.68
Cost of production, bln $
0.2783 0.2576 0.1524 0.1223 0.1104 0.11 0.1131 0.1511 -0.4556 -0.4556 0.0058 -232.78
Inventory $
0.0175 0.0068 0.0055 0.0028 0.0022 0.000185 0.000289 0.411 0.5221 0.5221 0.1872 198.58


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Average for 5 years CAGR 5
EPS 0.28 0.32 0.308 0.2893 0.2999 0.2908 0.2676 0.2701 0.2851 0.2851 0.2827 -1.01
Share price 19.04 14.94 16.13 19.78 17.63 14.46 14.69 12.56 12.99 12.99 14.47 -5.93
Number of shares, mln 280.27 279 277 277 277 277 278.69 278.58 279.14 279.14 278.08 0.15
FCF/share 0.2704 0.3743 0.4999 0.3577 0.4269 0.2937 0.13 0.1672 0.0317 0.0317 0.2099 -40.55


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
ROE, % 4.71 5.25 4.95 4.64 4.95 4.76 4.17 3.99 4.2 4.2 -47.34 4.41 -3.23
ROA, % 0.63 0.66 0.6138 0.5595 0.571 0.5645 0.4996 0.4601 0.468 0.468 10.67 0.5126 -3.90
ROIC, % 2.47 2.27 1.84 1.66 1.56 1.58 1.12 0.84 2 1.86 6.57 1.48 3.32
ROS, % 88.18 93.65 111.54 106.01 89.85 25.61 24.67 26.25 26.25 26.25 26.44 38.53 -21.82
ROCE, % 14.48 15.59 2 2.19 2.14 1.83 0.5831 0.5522 5.1 5.1 -61.28 2.04 18.97
EBIT margin 33.92 34.88 31.61 30.61 30.8 30.8 33.41 32.36 -1.91
EBITDA margin 95.17 101.98 119.57 117.11 101.2 40.9 30.61 33.09 33.09 33.09 37.49 47.78 -20.03
Net margin 27.27 29.75 28.24 28.07 28.19 28.23 25.61 24.67 26.25 26.25 26.43 26.59 -1.42
Operational efficiency, % 44.63 40.06 39.4 23.75 17.53 80.35 30.61 33.09 33.09 33.09 31.91 38.93 13.55
Net interest margin, % 18.74 22.33 24.45 27.01 29.45 27.84 27.53 27.66 27.69 23.79 22.37 28.03 -1.22
FCF yield, % 2.51 2.08 1.52 2.33 3.26 2.01 2.62 1.49 0.8715 1.27 1.65 -8.77


Coefficients

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
P/E
68 46.7 48.73 62.05 49.15 66.03 48.59 43.76 45.1 45.1 25.86 50.53 -1.71
P/BV
3.3 2.5 2.37 2.93 2.45 3.09 1.96 0.2828 1.96 1.96 -12.42 1.95 -4.36
P/S
18.3 14 13.76 17.42 13.86 18.64 12.44 10.8 11.84 11.84 6.65 13.52 -3.10
P/FCF
33.54 27.14 49.86 39.78 61.31 114.75 108.56 444.57 444.57 444.57 19.35 234.75 48.62
E/P
0.0198 0.0201 0.0163 0.0184 0.0147 0.0179 0.0206 0.0203 0.0203 0.0203 0.05 0.0188 6.67
EV/EBIT
73.37 80.34 87.41 86.75 89.78 89.78 89.78 20.36 86.81 2.25
EV/EBITDA
66.11 29.7 24.67 25.18 20.57 27.39 67.57 86.75 83.56 83.56 17.58 57.17 32.36
EV/S
27.31 26.84 42.45 35.63 36.79 27.63 26.56 27.65 27.65 27.65 6.87 29.26 -5.55
EV/FCF
78.05 58.57 122.32 88.78 129.03 222.1 173.93 948.26 948.26 948.26 24.70 484.32 49.02
Debt/EBITDA
14.8 12.05 11.42 10.18 10.65 40.25 56.48 47.78 47.78 47.78 1.93 40.59 35.01
Netdebt/Ebitda
23.87 26.42 31.62 22.71 19.62 37.15 51.48 47.78 47.78 47.78 0.97 40.76 19.48
Debt/Ratio
0.88 0.88 0.88 0.89 0.88 0.3036 0.3117 0.2804 0.2804 0.2804 0.40 0.4112 -20.45
Debt/Equity
7.1 7.04 7.57 7.76 7.11 2.6 2.74 2.57 8.33 8.33 -1.48 4.67 3.22
Debt/Net Income
44.44 48.43 93.16 78.02 68.47 64.28 70.08 60.22 60.22 60.22 3.28 64.65 -2.54
PEG
1958.35 1958.35 2.52 1958.35 0.00
Beta
0.44 0.42 0.5 0.9373 -0.447 0.2144 0.2144 0.56 0.3249 -12.58
Altman Index
0.35 0.38 0.43 0.43 0.4441 0.7529 0.3929 0.3287 0.3302 0.3302 42.85 0.4498 -5.75


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
Div. payout, bln
0.0195 0.0277 0.0376 0.0505 0.0555 0.0566 0.0583 0.0583 0.059 0.0437 0.0575 1.23
Dividend
0.59 0.84 1.04 1.12 1.13 1.13 1.13 1.13 0.283 1.13 0.9606 -24.19
Dividend yield, %
3.86 5.24 5.03 6.37 6.27 8.05 8.82 8.58 8.71 8.41 1.81 8.09 6.79
Dividends / profit, %
142.9 161.2 44.06 62.89 66.57 69.92 78.18 77.47 74.07 74.07 56.58 73.24 2.16
Dividend coverage ratio
1.82 1.82 32.92 1.82 0.00


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Other

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Revenue, %
1.09 0.466 0.9272 1.72 1.01 1.01 -1.51
Staff, people
1 000 1 005 1 025 995 -0.13