TFS Financial CORP (NASDAQ:TFSL)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $818.1M
- Net income
- $102.1M
- Net margin
- 12.5%
Heavily indebted for what it earns.
- Total debt
- $5.81B
- Cash
- $28.6M
- Net debt / EBITDA
- 37.41x
Owes more within a year than it holds to pay it.
- Current assets
- $92.3M
- Current liabilities
- $9.99B
- Current ratio
- 0.01
The business funds itself from operations.
- Operating cash flow
- $97.8M
- Free cash flow
- $86.3M
- FCF margin
- 10.5%
Not funding itself by issuing shares.
- Shares outstanding
- 278.9M
- Share growth (1y)
- 0.1%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
TFSL Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 202.11 M | 202.91 M | 205.82 M | 207.21 M | 198.46 M | 193.02 M |
| Revenue Growth (YoY) | 1.84 % | 5.12 % | 6.49 % | 6.30 % | 3.82 % | 2.01 % |
| Cost of Revenue | 120.73 M | 117.66 M | 121.09 M | 122.73 M | 117.91 M | 115.40 M |
| Gross Profit | 81.38 M | 85.24 M | 84.73 M | 84.48 M | 80.54 M | 77.62 M |
| SG&A Expense | 58.16 M | 37.76 M | 38.24 M | 23.66 M | 36.98 M | 39.91 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 50.60 M | 55.40 M | 56.23 M | 52.05 M | 53.19 M | 51.09 M |
| Operating Income | 30.78 M | 29.84 M | 28.50 M | 32.44 M | 27.36 M | 26.53 M |
| Pretax Income | 38.68 M | 29.84 M | 28.50 M | 32.44 M | 27.36 M | 26.53 M |
| Tax Provision | 8.14 M | 6.60 M | 6.22 M | 6.44 M | 5.84 M | 5.51 M |
| Net Income | 30.54 M | 23.25 M | 22.27 M | 26.00 M | 21.51 M | 21.02 M |
| EPS (Basic) | 0.11 | 0.08 | 0.08 | 0.09 | 0.08 | 0.07 |
| EPS (Diluted) | 0.11 | 0.08 | 0.08 | 0.09 | 0.08 | 0.07 |
| Shares Outstanding | 278.85 M | 278.86 M | 278.75 M | 278.72 M | 278.70 M | 278.73 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.