TFS Financial CORP (TFSL) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, TFS Financial reported revenue of $321.5M, up 6.0% from $303.2M the year before. Net income was $91.0M (a 28.3% net margin), or $0.32 per diluted share. Net interest income was $292.7M, and the efficiency ratio (noninterest expense / revenue) was 63.5%. Operating activities generated $82.4M of cash, leaving $71.0M of free cash flow. At fiscal year end, TFS Financial held $17.46B in total assets against $15.56B in total liabilities, including $429.4M of cash and equivalents.
Open the full interactive TFS Financial financials → Quarterly statements, key ratios, valuation history and price charts.
TFS Financial Key Stats
| Share Price | $16.18 |
|---|---|
| Market Cap | $4.53B |
| P/E Ratio | 50.6 |
| Revenue YoY Growth | +6.0% |
| 52-Week Range | $11.74 – $18.27 |
| Shares Outstanding | 278.9 million (basic, 2026 Q3) |
TFS Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $242.3M | $231.6M | $267.4M | $283.6M | $278.5M | $292.7M |
| Provision for Credit Losses | $3.0M | -$9.0M | $1.0M | -$1.5M | -$1.5M | $2.5M |
| Noninterest Income | $53.3M | $55.3M | $23.8M | $21.4M | $24.7M | $28.8M |
| Noninterest Expense | $192.3M | $195.8M | $198.1M | $213.1M | $204.3M | $204.3M |
| Revenue | $295.5M | $286.9M | $291.2M | $305.0M | $303.2M | $321.5M |
| Pre-Tax Income | $100.2M | $100.1M | $92.1M | $93.4M | $100.3M | $114.7M |
| Income Tax | $16.9M | $19.1M | $17.5M | $18.1M | $20.7M | $23.8M |
| Net Income | $83.3M | $81.0M | $74.6M | $75.2M | $79.6M | $91.0M |
| Diluted EPS | $0.29 | $0.29 | $0.26 | $0.26 | $0.28 | $0.32 |
TFS Financial Quarterly Results
| 2025 Q4 | 2026 Q1 | 2026 Q2 | 2026 Q3 | |
|---|---|---|---|---|
| Revenue | $85.5M | $83.7M | $85.2M | $89.3M |
| Net Income | $26.0M | $22.3M | $23.2M | $30.5M |
| Diluted EPS | $0.09 | $0.08 | $0.08 | $0.11 |
TFS Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $498.0M | $488.3M | $369.6M | $466.7M | $463.7M | $429.4M |
| Loans (Net) | $13.10B | $12.51B | $14.26B | $15.17B | $15.32B | $15.66B |
| Total Assets | $14.64B | $14.06B | $15.79B | $16.92B | $17.09B | $17.46B |
| Total Long-Term Debt | $3.52B | $3.09B | $4.79B | $5.27B | $4.79B | $4.87B |
| Total Liabilities | $12.97B | $12.33B | $13.95B | $14.99B | $15.23B | $15.56B |
| Shareholders' Equity | $1.67B | $1.73B | $1.84B | $1.93B | $1.86B | $1.89B |
TFS Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $121.8M | $83.2M | $38.9M | $90.7M | $88.6M | $82.4M |
| Cash From Investing | $147.6M | $547.4M | -$1.88B | -$1.01B | -$124.7M | -$384.0M |
| Cash From Financing | -$46.5M | -$640.2M | $1.72B | $1.02B | $33.1M | $267.3M |
| Free Cash Flow | $118.6M | $81.8M | $36.2M | $85.6M | $85.5M | $71.0M |
Figures from TFS Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full TFS Financial financials page for every line item.
TFS Financial Company Profile
| Ticker | TFSL |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Cleveland, Ohio |
| Incorporated in | Delaware |
| Fiscal Year End | September 30 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001381668 |
Frequently Asked Questions
What was TFS Financial's revenue in fiscal 2025?
TFS Financial (TFSL) reported revenue of $321.5M for fiscal 2025.
What is TFS Financial's annual revenue history?
TFS Financial's annual revenue by fiscal year: 2020: $295.5M; 2021: $286.9M; 2022: $291.2M; 2023: $305.0M; 2024: $303.2M; 2025: $321.5M.
What was TFS Financial's net income in fiscal 2025?
TFS Financial reported net income of $91.0M for fiscal 2025.
What was TFS Financial's earnings per share (EPS) in fiscal 2025?
TFS Financial's diluted EPS was $0.32 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did TFS Financial generate in fiscal 2025?
TFS Financial generated $71.0M of free cash flow in fiscal 2025.
What was TFS Financial's revenue last quarter?
In its most recent reported quarter (2026 Q3), TFS Financial reported revenue of $89.3M.
How much debt does TFS Financial have?
TFS Financial reported $4.87B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of TFS Financial are outstanding?
TFS Financial reported a weighted average of 278.9 million basic shares outstanding in 2026 Q3.
What is TFS Financial's market cap?
Based on its latest closing price, TFS Financial (TFSL) has a market capitalization of about $4.53B.
When does TFS Financial's fiscal year end?
TFS Financial's fiscal year end, as registered with the SEC, is September 30.
Where is TFS Financial headquartered?
TFS Financial lists its business address in Cleveland, Ohio in its SEC filings.
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