# TFS Financial Corporation (TFSL) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $17.57, market value $4.9 billion.

## Valuation
- **P/E (trailing): 48.8×** (5-yr avg 39.2×, 3-yr avg 38.3×). TFS Financial Corporation trades at 48.8× trailing earnings, well above its own five-year average of 39.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 45.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 3.15**. A PEG of 3.15 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / book: 2.5×**. The shares trade at 2.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 1.8%** (5-yr avg 2.3%). Free cash flow equals 1.8% of the market value, below its five-year average of 2.3%, so the shares are pricier on cash than usual.
- **Earnings yield: 2.0%**. The inverse of the P/E: 2.0% of the price is earned each year.

## Profitability
- **Return on equity: 4.8%**. 4.8% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 14.3%** (3-yr 7.2%/yr, 5-yr 2.0%/yr). Earnings per share rose 14.3%.
- **Free-cash-flow growth (3 yr): 25.1%/yr**. Free cash flow has compounded at 25.1% a year over three years, keeping pace with earnings: the growth is real cash.

## Dividends
- **Dividend yield: 7.23%** ($1.13 per share, trailing). TFS Financial Corporation yields 7.23%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 65%** (69% of free cash flow). 65% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 12**. 12 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.2%/yr** (1-yr 0.0%). The dividend has grown 0.2% a year over five years.

## Price and momentum
- **Total return (1 yr): 39.6%** (YTD 36.4%, 3-mo 8.8%). The shares are up 39.6% over twelve months including dividends.
- **From 52-week high: -9.9%** (40.1% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 48**. An RSI of 48 is neutral.
- **Beta (1 yr): 0.59** (volatility 22%). Beta of 0.59 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TFSL · Page: https://foliofundamentals.com/stocks/tfsl

Not investment advice.