TFSL
$16.33+0.00%
TFS Financial CorporationStock · FinancialsNasdaq Composite 0.01%Russell 1000 0.002%Russell 3000 0.001%US Stock Market 0.001%
TFSL financial statements
The full income statement, balance sheet, and cash-flow statement for TFS Financial Corporation (TFSL), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 280.7M2024-09 280.7M2024-12 280.8M2025-03 280.8M2025-06 280.7M2025-09 280.5M2025-12 280.6M2026-03 280.4M2026-06 280.4M-0.1% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
As-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofSep 30 ’25 | as ofSep 30 ’24 | as ofSep 30 ’23 | as ofSep 30 ’22 | as ofSep 30 ’21 | |
| 321M+6.0% | 303M-0.6% | 305M+4.7% | 291M+1.5% | 287M-2.9% | ||
| Noninterest income | 28.8M+16.5% | 24.7M+15.3% | 21.4M-10.0% | 23.8M-57.0% | 55.3M+3.8% | |
| Selling & marketing | 18.6M-5.6% | 19.7M-22.0% | 25.3M+18.9% | 21.3M+10.9% | 19.2M+16.1% | |
| Noninterest expense | 204M-0.0% | 204M-4.1% | 213M+7.6% | 198M+1.2% | 196M+1.9% | |
| Provision for credit losses | — | -1.50M+0.0% | -1.50M-250.0% | 1.00M+111.1% | -9.00M-400.0% | |
| Interest expense | — | — | 328M+131.3% | 142M-10.0% | 158M-26.0% | |
| Interest & investment income | 763M+4.0% | 734M+20.0% | 612M+49.5% | 409M+5.1% | 389M-14.5% | |
| Net interest income | 293M+5.1% | 278M-1.8% | 284M+6.0% | 267M+15.4% | 232M-4.4% | |
| Pre-tax income | 115M+14.4% | 100M+7.4% | 93.4M+1.4% | 92.1M-8.0% | 100M-0.2% | |
| Income tax | 23.8M+14.6% | 20.7M+14.4% | 18.1M+3.6% | 17.5M-8.4% | 19.1M+12.8% | |
| 91.0M+14.3% | 79.6M+5.8% | 75.3M+0.9% | 74.6M-8.0% | 81.0M-2.8% | ||
| Net income to common | 89.5M+14.5% | 78.2M+6.1% | 73.7M+0.9% | 73.1M-8.1% | 79.5M-2.8% | |
| $0.32+14.3% | $0.28+7.7% | $0.26+0.0% | $0.26-10.3% | $0.29+0.0% | ||
| EPS (basic) | $0.32+14.3% | $0.28+3.7% | $0.27+3.8% | $0.26-10.3% | $0.29-3.3% | |
| Weighted-avg shares (basic) | 279M+0.2% | 278M+0.3% | 277M+0.0% | 277M+0.2% | 277M+0.3% | |
| Weighted-avg shares (diluted) | 280M+0.2% | 279M+0.2% | 279M-0.0% | 279M+0.0% | 279M+0.3% | |
| Dividends per share | $1.13+0.0% | $1.13+0.0% | $1.13+0.0% | $1.13+0.7% | $1.12+1.1% | |
| Balance Sheet | as ofSep 30 ’25 | as ofSep 30 ’24 | as ofSep 30 ’23 | as ofSep 30 ’22 | as ofSep 30 ’21 | |
| Cash & equivalents | 429M-7.4% | 464M-0.6% | 467M+26.3% | 370M-24.3% | 488M-1.9% | |
| 17.5B+2.1% | 17.1B+1.0% | 16.9B+7.1% | 15.8B+12.3% | 14.1B-4.0% | ||
| Property, plant & equipment | 40.0M+20.6% | 33.2M-4.4% | 34.7M+0.5% | 34.5M-7.7% | 37.4M-10.0% | |
| Operating lease right-of-use | 17.5M-2.0% | 17.8M-52.4% | 37.5M+24.3% | 30.2M+8.1% | 27.9M+34.3% | |
| 15.6B+2.2% | 15.2B+1.6% | 15.0B+7.5% | 13.9B+13.1% | 12.3B-5.0% | ||
| Operating lease liability (total) | 18.0M-1.7% | 18.3M+0.5% | 18.2M+15.4% | 15.8M-14.5% | 18.5M+12.6% | |
| 1.89B+1.7% | 1.86B-3.4% | 1.93B+4.5% | 1.84B+6.5% | 1.73B+3.6% | ||
| Preferred stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock | 3.32M+0.0% | 3.32M+0.0% | 3.32M+0.0% | 3.32M+0.0% | 3.32M+0.0% | |
| Additional paid-in capital | 1.76B+0.2% | 1.75B-0.0% | 1.76B+0.2% | 1.75B+0.2% | 1.75B+0.2% | |
| Retained earnings | 947M+3.4% | 915M+3.2% | 887M+1.9% | 870M+1.9% | 854M-1.4% | |
| Treasury stock | 774M+0.3% | 772M-0.5% | 776M+0.5% | 772M+0.5% | 768M+0.1% | |
| Accumulated other comprehensive income | -21.2M-36.0% | -15.6M-118.3% | 85.2M+268.1% | 23.1M+134.1% | -67.8M+48.6% | |
| Total liabilities & equity | 17.5B+2.1% | 17.1B+1.0% | 16.9B+7.1% | 15.8B+12.3% | 14.1B-4.0% | |
| Common shares issued | 332M+0.0% | 332M+0.0% | 332M+0.0% | 332M+0.0% | 332M+0.0% | |
| Common shares outstanding | 281M-0.0% | 281M+0.1% | 280M-0.1% | 281M-0.1% | 281M+0.2% | |
| Shares outstanding (cover) | 281M-0.1% | 281M+0.1% | 280M-0.0% | 280M-0.1% | 281M+0.2% | |
| Cash Flow | as ofSep 30 ’25 | as ofSep 30 ’24 | as ofSep 30 ’23 | as ofSep 30 ’22 | as ofSep 30 ’21 | |
| 82.4M-7.0% | 88.6M-2.3% | 90.7M+133.0% | 38.9M-53.2% | 83.2M-31.7% | ||
| Depreciation & amortization | 4.62M+0.1% | 4.62M-6.2% | 4.92M-8.8% | 5.39M-0.5% | 5.42M-0.2% | |
| Share-based compensation | 9.65M+1.5% | 9.50M-5.0% | 10.0M-9.2% | 11.0M-19.7% | 13.7M+13.2% | |
| Deferred income taxes | 1.35M-50.0% | 2.70M-27.6% | 3.73M+113.9% | -26.9M-88.6% | -14.2M-165.4% | |
| -384M-207.9% | -125M+87.6% | -1.01B+46.2% | -1.88B-442.6% | 547M+270.9% | ||
| Capital expenditure | 11.5M+273.8% | 3.06M-39.9% | 5.10M+88.9% | 2.70M+101.9% | 1.34M-58.3% | |
| Free cash flow | 71.0M-17.0% | 85.5M-0.1% | 85.6M+136.3% | 36.2M-55.7% | 81.8M-31.0% | |
| Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Proceeds from sale of PP&E | — | 0.00 | 0.00-100.0% | 389K | 0.00-100.0% | |
| Other investing activities | -2.93M+27.8% | -4.05M-76.3% | -2.30M-79.9% | -1.28M+59.8% | -3.18M-245.1% | |
| 267M+708.0% | 33.1M-96.7% | 1.02B-40.9% | 1.72B+368.3% | -640M-1277.3% | ||
| Long-term debt issued | 225M-69.0% | 725M+107.1% | 350M-41.7% | 600M+500.0% | 100M-60.0% | |
| Long-term debt repaid | 427M-0.1% | 427M+448.7% | 77.9M+2035.9% | 3.65M-22.2% | 4.69M-98.7% | |
| Net short-term debt | — | — | — | — | -525M-86.7% | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 3.98M+106.6% | 1.93M-67.8% | 5.98M-5.0% | 6.29M+12.5% | 5.59M+141.0% | |
| Dividends paid | 59.5M+1.0% | 59.0M+1.1% | 58.3M-0.0% | 58.3M+2.9% | 56.6M+2.1% | |
| Income taxes paid | 16.5M+5.1% | 15.7M-28.0% | 21.8M-45.0% | 39.6M+53.7% | 25.8M+1440.5% | |
| Valuation Ratios | as ofSep 30 ’25 | as ofSep 30 ’24 | as ofSep 30 ’23 | as ofSep 30 ’22 | as ofSep 30 ’21 | |
| Market cap | 3.70B+2.4% | 3.61B+8.9% | 3.31B-9.1% | 3.65B-31.9% | 5.35B+30.0% | |
| P/E | 40.6×-10.4% | 45.4×+11.1% | 40.8×-16.5% | 48.9×-26.0% | 66.1×+33.7% | |
| P/S | 11.5×-3.4% | 11.9×+11.2% | 10.7×-14.5% | 12.5×-32.9% | 18.7×+33.9% | |
| P/B | 2.0×+0.7% | 1.9×+10.3% | 1.8×-11.1% | 2.0×-36.0% | 3.1×+25.5% | |
| P/FCF | 52.1×+23.4% | 42.2×-24.3% | 55.7×-44.6% | 100.6×+53.8% | 65.4×+88.4% | |
| Earnings yield | 2.5%+11.6% | 2.2%-10.0% | 2.4%+19.7% | 2.0%+35.1% | 1.5%-25.2% | |
| FCF yield | 1.9%-19.0% | 2.4%+32.0% | 1.8%+80.6% | 0.99%-35.0% | 1.5%-46.9% | |
| Dividend yield | 8.6%-2.4% | 8.8%-8.1% | 9.6%+10.0% | 8.7%+47.6% | 5.9%-22.1% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: TFSL’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all TFSL filings on SEC EDGAR → Not investment advice.