TFSL - TFS Financial Corporation
Price:
--
--
|
CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$15.00
DETAILS
HIGH:
$15.00
LOW:
$15.00
MEDIAN:
$15.00
CONSENSUS:
$15.00
DOWNSIDE:
6.07%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||
| Revenue | 792.0 | 758.8 | 633.3 | 433.1 | 444.6 | 508.5 | 502.6 | 464.6 | 428.8 | 413.4 | 407.7 | 396.6 | 412.4 | 442.3 | 458.5 | 495.9 | 555.4 | 594.5 | 589.1 | 479.4 | 453.8 | 0 | 334.7 | 351.6 |
| Cost of Revenue | 473.0 | 454.1 | 326.9 | 142.9 | 148.7 | 216.0 | 206.7 | 151.1 | 113.1 | 110.0 | 110.3 | 122.3 | 152.4 | 257.6 | 278.3 | 316.4 | 372.1 | 364.8 | 354.1 | 295.2 | 233.6 | 0 | 257.0 | 312.7 |
| Gross Profit | 319.0 | 304.7 | 306.5 | 290.2 | 295.9 | 292.5 | 295.9 | 313.5 | 315.7 | 303.4 | 297.4 | 274.3 | 260.0 | 184.7 | 180.1 | 179.5 | 183.3 | 229.7 | 235.0 | 184.2 | 220.2 | 0 | 77.7 | 38.9 |
| Operating Expenses | ||||||||||||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 137.7 | 142.1 | 151.5 | 140.0 | 137.1 | 131.1 | 133.8 | 131.8 | 125.5 | 123.6 | 126.7 | 114.5 | 112.5 | 104.2 | 103.3 | 108.9 | 104.1 | 95.4 | 86.5 | 79.3 | 77.7 | 0 | 0 | 0 |
| Other Expenses | 66.6 | 62.3 | 61.6 | 58.2 | 58.7 | 61.1 | 59.9 | 60.6 | 58.0 | 58.1 | 61.3 | 61.0 | 65.2 | 66.9 | 64.8 | 52.4 | 59.1 | 52.5 | 104.6 | 43.2 | 45.5 | 55.5 | 2.3 | 9.0 |
| Operating Expenses | 204.3 | 204.3 | 213.1 | 198.1 | 195.8 | 192.3 | 193.7 | 192.3 | 182.4 | 181.0 | 188.0 | 175.5 | 177.7 | 171.1 | 168.1 | 161.3 | 163.2 | 148.0 | 191.1 | 122.5 | 123.2 | 55.5 | 2.3 | 9.0 |
| Operating Income | ||||||||||||||||||||||||
| Operating Income | 114.7 | 100.3 | 93.4 | 92.1 | 100.1 | 100.2 | 102.2 | 121.2 | 133.3 | 122.4 | 109.4 | 98.9 | 82.4 | 13.6 | 12.1 | 18.2 | 20.1 | 81.7 | 43.9 | 61.7 | 97.0 | 55.5 | 75.4 | 29.9 |
| Interest Expense | 470.5 | 455.6 | 328.4 | 141.9 | 157.7 | 213.0 | 216.7 | 162.1 | 130.1 | 118.0 | 113.3 | 103.3 | 115.4 | 155.6 | 179.8 | 210.4 | 257.1 | 330.3 | 344.5 | 289.1 | 227.6 | 0 | 253.2 | 306.8 |
| Interest Income | 763.2 | 734.1 | 611.9 | 409.3 | 389.4 | 455.3 | 482.1 | 443.0 | 409.0 | 388.4 | 383.5 | 374.7 | 384.0 | 417.9 | 427.5 | 435.1 | 485.3 | 550.2 | 537.7 | 485.8 | 418.8 | 0 | 414.1 | 445.6 |
| Profitability | ||||||||||||||||||||||||
| EBITDA | 137.8 | 119.3 | 111.5 | 119.1 | 132.7 | 133.1 | 125.2 | 146.4 | 154.2 | 141.7 | 126.8 | 112.1 | 103.7 | 36.4 | 31.5 | 36.7 | 38.6 | 90.5 | 50.8 | 73.3 | 116.4 | 55.5 | 75.4 | 29.9 |
| EBIT | 114.7 | 100.3 | 93.4 | 92.1 | 100.1 | 100.2 | 102.2 | 121.2 | 133.3 | 122.4 | 109.4 | 98.9 | 82.4 | 13.6 | 12.1 | 18.2 | 20.1 | 81.7 | 43.9 | 61.7 | 97.0 | 81.8 | 75.4 | 29.9 |
| Income Before Tax | 114.7 | 100.3 | 93.4 | 92.1 | 100.1 | 100.2 | 102.2 | 121.2 | 133.3 | 122.4 | 109.4 | 98.9 | 82.4 | 13.6 | 12.1 | 18.2 | 20.1 | 81.7 | 43.9 | 61.7 | 97.0 | 0 | 75.4 | 29.9 |
| Income Tax Expense | 23.8 | 20.7 | 18.1 | 17.5 | 19.1 | 16.9 | 22.0 | 35.8 | 44.5 | 41.8 | 36.8 | 33.0 | 26.4 | 2.1 | 2.7 | 6.9 | 5.7 | 27.2 | 18.3 | 18.2 | 32.5 | (55.5) | 23.4 | 8.1 |
| Net Income | 91.0 | 79.6 | 75.2 | 74.6 | 81.0 | 83.3 | 80.2 | 85.4 | 88.9 | 80.6 | 72.6 | 65.9 | 56.0 | 11.5 | 9.3 | 11.3 | 14.4 | 54.5 | 25.6 | 43.5 | 64.5 | 55.5 | 52.0 | 21.8 |
| Per Share Data | ||||||||||||||||||||||||
| EPS (Basic) | 0.32 | 0.28 | 0.27 | 0.26 | 0.29 | 0.30 | 0.29 | 0.31 | 0.32 | 0.28 | 0.25 | 0.22 | 0.18 | 0.04 | 0.03 | 0.04 | 0.05 | 0.17 | 0.10 | 0.19 | 0.22 | 0.19 | 0.23 | 0.07 |
| EPS (Diluted) | 0.32 | 0.28 | 0.26 | 0.26 | 0.29 | 0.30 | 0.28 | 0.31 | 0.32 | 0.28 | 0.25 | 0.22 | 0.18 | 0.04 | 0.03 | 0.04 | 0.05 | 0.17 | 0.10 | 0.19 | 0.22 | 0.19 | 0.23 | 0.07 |
| Shares Outstanding | 278.7 | 278.2 | 277.4 | 277.4 | 276.7 | 275.9 | 275.4 | 275.6 | 277.2 | 281.6 | 289.9 | 299.0 | 301.8 | 301.2 | 300.4 | 299.8 | 301.2 | 319.4 | 269.5 | 227.1 | 293.2 | 289.6 | 226.0 | 293.2 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2009 | 2008 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||||||
| Cash & Cash Equivalents | 429.4 | 463.7 | 466.7 | 369.6 | 488.3 | 498.0 | 275.1 | 269.8 | 268.2 | 231.2 | 307.0 | 132.4 | 389.1 | 370.3 |
| Short-Term Investments | 54.0 | 526.3 | 508.3 | 457.9 | 421.8 | 453.4 | 547.9 | 532.0 | 537.5 | 517.9 | 0 | 0 | 0 | 0 |
| Net Receivables | 62.6 | 59.4 | 53.9 | 40.3 | 31.1 | 36.6 | 40.8 | 38.7 | 35.5 | 32.8 | 38.4 | 46.4 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 546.0 | 1,049.4 | 1,029.0 | 867.7 | 941.2 | 988.1 | 863.8 | 840.4 | 841.2 | 781.9 | 345.4 | 178.8 | 389.1 | 370.3 |
| Non-Current Assets | ||||||||||||||
| Property, Plant & Equipment | 40.0 | 33.2 | 34.7 | 34.5 | 37.4 | 41.6 | 61.6 | 63.4 | 60.9 | 61.0 | 65.1 | 68.1 | 0 | 0 |
| Goodwill | 9.7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 8.5 | 7.6 | 7.4 | 7.9 | 8.9 | 7.9 | 8.1 | 8.8 | 8.4 | 8.9 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 16,187.6 | 15,339.8 | 15,169.0 | 14,266.7 | 12,517.9 | 13,139.9 | 13,199.4 | 12,872.0 | 12,419.7 | 11,713.5 | 9,882.5 | 10,258.3 | 7,303.8 | 5,507.7 |
| Other Non-Current Assets | 664.4 | 660.8 | 677.9 | 612.9 | 552.0 | 464.7 | 409.5 | 352.7 | 362.5 | 340.8 | 305.8 | 281.3 | 724.7 | 2,289.5 |
| Total Non-Current Assets | 16,910.3 | 16,041.4 | 15,889.0 | 14,922.2 | 13,116.2 | 13,654.1 | 13,678.5 | 13,296.9 | 12,851.4 | 12,124.1 | 10,253.4 | 10,607.7 | 8,028.4 | 7,797.2 |
| Total Assets | 17,456.3 | 17,090.8 | 16,918.0 | 15,789.9 | 14,057.5 | 14,642.2 | 14,542.4 | 14,137.3 | 13,692.6 | 12,906.1 | 10,598.8 | 10,786.5 | 8,417.5 | 8,167.5 |
| Current Liabilities | ||||||||||||||
| Account Payables | 14.7 | 23.2 | 10.4 | 2.2 | 1.9 | 3.1 | 3.7 | 3.7 | 2.0 | 1.9 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 10,432.2 | 10,171.9 | 9,439.5 | 8,918.8 | 8,991.8 | 9,222.5 | 8,762.7 | 8,487.9 | 8,149.7 | 8,329.4 | 8,570.5 | 8,261.1 | 7,175.2 | 6,982.9 |
| Total Current Liabilities | 10,447.0 | 10,195.1 | 9,449.8 | 9,005.2 | 9,082.2 | 9,291.2 | 8,806.4 | 8,522.7 | 8,195.0 | 8,385.1 | 8,628.9 | 8,315.7 | 7,175.2 | 6,982.9 |
| Non-Current Liabilities | ||||||||||||||
| Long-Term Debt | 4,900.5 | 4,821.6 | 5,303.4 | 4,823.1 | 3,133.3 | 3,567.6 | 3,935.9 | 3,753.2 | 3,707.1 | 2,768.2 | 70.2 | 498.0 | 0 | 105.4 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 214.9 | 211.5 | 237.3 | 117.2 | 109.6 | 111.5 | 103.3 | 103.0 | 100.4 | 92.3 | 153.9 | 129.1 | 390.2 | 277.6 |
| Total Non-Current Liabilities | 5,115.4 | 5,033.1 | 5,540.8 | 4,940.4 | 3,242.9 | 3,679.2 | 4,039.2 | 3,856.2 | 3,807.6 | 2,860.5 | 224.1 | 627.1 | 390.2 | 383.0 |
| Total Liabilities | 15,562.4 | 15,228.2 | 14,990.6 | 13,945.5 | 12,325.2 | 12,970.4 | 12,845.6 | 12,378.9 | 12,002.6 | 11,253.6 | 8,853.0 | 8,942.8 | 7,565.4 | 7,365.9 |
| Stockholders' Equity | ||||||||||||||
| Common Stock | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 0 | 0 |
| Retained Earnings | 946.8 | 915.5 | 887.0 | 870.0 | 853.7 | 865.5 | 837.7 | 807.9 | 760.1 | 698.9 | 456.9 | 462.2 | 0 | 0 |
| Accumulated Other Comprehensive Income | (21.2) | (15.6) | 85.2 | 23.1 | (67.8) | (132.0) | (69.4) | 23.2 | (7.5) | (19.6) | (17.9) | (8.6) | 0 | 0 |
| Total Stockholders' Equity | 1,893.9 | 1,862.6 | 1,927.4 | 1,844.3 | 1,732.3 | 1,671.9 | 1,696.8 | 1,758.4 | 1,690.0 | 1,660.5 | 1,745.9 | 1,843.7 | 852.1 | 801.6 |
| Total Liabilities & Equity | 17,456.3 | 17,090.8 | 16,918.0 | 15,790.2 | 14,057.5 | 14,642.2 | 14,542.4 | 14,137.3 | 13,692.6 | 12,914.1 | 10,598.8 | 10,786.5 | 8,417.5 | 8,167.5 |
| Debt Metrics | ||||||||||||||
| Total Debt | 4,900.5 | 4,821.6 | 5,303.4 | 4,823.1 | 3,133.3 | 3,567.6 | 3,935.9 | 3,753.2 | 3,707.1 | 2,768.2 | 70.2 | 498.0 | 0 | 105.4 |
| Net Debt | 4,471.1 | 4,357.9 | 4,836.7 | 4,453.6 | 2,645.0 | 3,069.6 | 3,660.7 | 3,483.4 | 3,438.9 | 2,537.0 | (236.9) | 365.6 | (389.1) | (264.9) |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2005 | 2004 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||
| Net Income | 91.0 | 79.6 | 75.2 | 74.6 | 81.0 | 83.3 | 80.2 | 85.4 | 88.9 | 80.6 | 64.5 | 55.5 |
| Depreciation & Amortization | 23.0 | 19.0 | 18.1 | 27.0 | 32.6 | 32.8 | 22.9 | 25.2 | 20.9 | 19.4 | 19.4 | 8.6 |
| Stock-Based Compensation | 9.6 | 9.5 | 10 | 11.0 | 13.7 | 12.1 | 11.8 | 11.4 | 11.3 | 13.4 | 0 | 0 |
| Change in Working Capital | (12.2) | 8.9 | (2.9) | (14.2) | 22.6 | 7.0 | (13.5) | (14.0) | (2.7) | (17.2) | 950.6 | (105.7) |
| Other Non-Cash Items | (30.4) | (31.1) | (13.5) | (32.6) | (52.5) | (35.2) | (20.4) | (19.8) | (20.7) | (22.3) | (1,130.7) | (12.0) |
| Operating Cash Flow | 82.4 | 88.6 | 90.7 | 38.9 | 83.2 | 121.8 | 103.0 | 92.1 | 101.2 | 84.9 | (95.7) | (53.6) |
| Investing Activities | ||||||||||||
| Capital Expenditure | (11.5) | (3.1) | (5.1) | (2.7) | (1.3) | (3.2) | (3.8) | (8.4) | (4.2) | (9.1) | (1.4) | (3.5) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25 |
| Purchases of Investments | (160.3) | (133.5) | (144.7) | (250.0) | (297.5) | (171.5) | (158.0) | (151.6) | (183.5) | (95.2) | (69.7) | (121.4) |
| Sales/Maturities of Investments | 170.3 | 141.7 | 83.6 | 163.6 | 317.1 | 268.6 | 152.6 | 139.8 | 153.3 | 154.5 | 723.8 | 455.7 |
| Other Investing Activities | (382.5) | (129.8) | (942.4) | (1,785.9) | 529.1 | 53.7 | (332.8) | (454.7) | (720.5) | (504.6) | (968.0) | (602.4) |
| Investing Cash Flow | (384.0) | (124.7) | (1,008.6) | (1,875.1) | 547.4 | 147.6 | (342.0) | (474.9) | (754.8) | (454.4) | (315.3) | (246.6) |
| Financing Activities | ||||||||||||
| Net Debt Issuance | 82.6 | (480.4) | 689.0 | 584.8 | (429.7) | (381.2) | 181.3 | 50.3 | 952.6 | 550.2 | 522.5 | 116.9 |
| Stock Repurchased | (4.0) | (1.9) | (6.0) | (6.3) | (5.6) | (2.3) | (9.1) | (19.7) | (54.0) | (128.4) | 0 | 0 |
| Dividends Paid | (59.5) | (59.0) | (58.3) | (58.3) | (56.6) | (55.5) | (50.5) | (37.6) | (27.7) | (23.4) | 0 | 0 |
| Other Financing Activities | 248.2 | 574.3 | 390.3 | 1,197.2 | (148.3) | 392.5 | 122.6 | 391.3 | (180.2) | 46.9 | (156.3) | (40.7) |
| Financing Cash Flow | 267.3 | 33.1 | 1,015.1 | 1,717.4 | (640.2) | (46.5) | 244.3 | 384.3 | 690.6 | 445.3 | 366.2 | 76.2 |
| Cash Position | ||||||||||||
| Net Change in Cash | (34.3) | (3.0) | 97.2 | (118.8) | (9.7) | 222.9 | 5.4 | 1.6 | 37.0 | 75.9 | (44.8) | 0 |
| Cash at Beginning | 463.7 | 466.7 | 369.6 | 488.3 | 498.0 | 275.1 | 269.8 | 268.2 | 231.2 | 155.4 | 165.2 | 0 |
| Cash at End | 429.4 | 463.7 | 466.7 | 369.6 | 488.3 | 498.0 | 275.1 | 269.8 | 268.2 | 231.2 | 120.3 | 0 |
| Free Cash Flow | 71.0 | 85.5 | 85.6 | 36.2 | 81.8 | 118.6 | 99.2 | 83.7 | 97.0 | 75.8 | (97.1) | (57.0) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||||||
| Revenue | 792.0 | 758.8 | 633.3 | 433.1 | 444.6 | 508.5 | 502.6 | 464.6 | 428.8 | 413.4 | 407.7 | 396.6 | 412.4 | 442.3 | 458.5 | 495.9 | 555.4 | 594.5 | 589.1 | 479.4 | 453.8 | 0 | 334.7 | 351.6 |
| Gross Profit | 319.0 | 304.7 | 306.5 | 290.2 | 295.9 | 292.5 | 295.9 | 313.5 | 315.7 | 303.4 | 297.4 | 274.3 | 260.0 | 184.7 | 180.1 | 179.5 | 183.3 | 229.7 | 235.0 | 184.2 | 220.2 | 0 | 77.7 | 38.9 |
| Operating Income | 114.7 | 100.3 | 93.4 | 92.1 | 100.1 | 100.2 | 102.2 | 121.2 | 133.3 | 122.4 | 109.4 | 98.9 | 82.4 | 13.6 | 12.1 | 18.2 | 20.1 | 81.7 | 43.9 | 61.7 | 97.0 | 55.5 | 75.4 | 29.9 |
| Net Income | 91.0 | 79.6 | 75.2 | 74.6 | 81.0 | 83.3 | 80.2 | 85.4 | 88.9 | 80.6 | 72.6 | 65.9 | 56.0 | 11.5 | 9.3 | 11.3 | 14.4 | 54.5 | 25.6 | 43.5 | 64.5 | 55.5 | 52.0 | 21.8 |
| EPS (Diluted) | 0.32 | 0.28 | 0.26 | 0.26 | 0.29 | 0.30 | 0.28 | 0.31 | 0.32 | 0.28 | 0.25 | 0.22 | 0.18 | 0.04 | 0.03 | 0.04 | 0.05 | 0.17 | 0.10 | 0.19 | 0.22 | 0.19 | 0.23 | 0.07 |
| Balance Sheet | ||||||||||||||||||||||||
| Cash & Equivalents | 429.4 | 463.7 | 466.7 | 369.6 | 488.3 | 498.0 | 275.1 | 269.8 | 268.2 | 231.2 | 307.0 | 132.4 | 389.1 | 370.3 | ||||||||||
| Total Assets | 17,456.3 | 17,090.8 | 16,918.0 | 15,789.9 | 14,057.5 | 14,642.2 | 14,542.4 | 14,137.3 | 13,692.6 | 12,906.1 | 10,598.8 | 10,786.5 | 8,417.5 | 8,167.5 | ||||||||||
| Total Debt | 4,900.5 | 4,821.6 | 5,303.4 | 4,823.1 | 3,133.3 | 3,567.6 | 3,935.9 | 3,753.2 | 3,707.1 | 2,768.2 | 70.2 | 498.0 | 0 | 105.4 | ||||||||||
| Stockholders' Equity | 1,893.9 | 1,862.6 | 1,927.4 | 1,844.3 | 1,732.3 | 1,671.9 | 1,696.8 | 1,758.4 | 1,690.0 | 1,660.5 | 1,745.9 | 1,843.7 | 852.1 | 801.6 | ||||||||||
| Cash Flow | ||||||||||||||||||||||||
| Operating Cash Flow | 82.4 | 88.6 | 90.7 | 38.9 | 83.2 | 121.8 | 103.0 | 92.1 | 101.2 | 84.9 | (95.7) | (53.6) | ||||||||||||
| Capital Expenditure | (11.5) | (3.1) | (5.1) | (2.7) | (1.3) | (3.2) | (3.8) | (8.4) | (4.2) | (9.1) | (1.4) | (3.5) | ||||||||||||
| Free Cash Flow | 71.0 | 85.5 | 85.6 | 36.2 | 81.8 | 118.6 | 99.2 | 83.7 | 97.0 | 75.8 | (97.1) | (57.0) | ||||||||||||