TFS Financial Past Earnings Performance
Past criteria checks 1/6
TFS Financial's earnings have been declining at an average annual rate of -2.9%, while the Banks industry saw earnings growing at 10.3% annually. Revenues have been declining at an average rate of 0.1% per year. TFS Financial's return on equity is 4%, and it has net margins of 23.9%.
Key information
-2.9%
Earnings growth rate
-3.1%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | -0.1% |
| Return on equity | 4.0% |
| Net Margin | 23.9% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
TFS Financial: An Unreasonably High Price
Apr 12TFS Financial Corporation: Bouncing Back And Returning To The Right Track
Aug 25TFS Financial: Buy This 8.3% Yielding Bank At A Steep Discount
Jun 15TFS Financial Corporation: Dividend Increase Provides Stable Opportunity
Mar 11TFS Financial Corporation: Decline In Rates Offers Buying Opportunity
Jul 09TFS Financial: 7% Dividend Yield And 50% Upside Over The Next Three Years
Nov 23TFS Financial Corporation: Huge Increase In Originations
Nov 14Revenue & Expenses BreakdownBeta
How TFS Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 302 | 72 | 161 | 0 |
| 30 Sep 23 | 306 | 74 | 166 | 0 |
| 30 Jun 23 | 311 | 80 | 164 | 0 |
| 31 Mar 23 | 310 | 79 | 165 | 0 |
| 31 Dec 22 | 304 | 79 | 162 | 0 |
| 30 Sep 22 | 290 | 73 | 157 | 0 |
| 30 Jun 22 | 278 | 65 | 157 | 0 |
| 31 Mar 22 | 273 | 64 | 154 | 0 |
| 31 Dec 21 | 282 | 71 | 152 | 0 |
| 30 Sep 21 | 296 | 79 | 154 | 0 |
| 30 Jun 21 | 295 | 76 | 153 | 0 |
| 31 Mar 21 | 306 | 87 | 150 | 0 |
| 31 Dec 20 | 296 | 81 | 150 | 0 |
| 30 Sep 20 | 293 | 82 | 146 | 0 |
| 30 Jun 20 | 297 | 90 | 144 | 0 |
| 31 Mar 20 | 292 | 81 | 148 | 0 |
| 31 Dec 19 | 301 | 84 | 149 | 0 |
| 30 Sep 19 | 296 | 79 | 150 | 0 |
| 30 Jun 19 | 300 | 79 | 149 | 0 |
| 31 Mar 19 | 306 | 82 | 150 | 0 |
| 31 Dec 18 | 310 | 85 | 150 | 0 |
| 30 Sep 18 | 313 | 84 | 147 | 0 |
| 30 Jun 18 | 320 | 86 | 149 | 0 |
| 31 Mar 18 | 319 | 88 | 144 | 0 |
| 31 Dec 17 | 320 | 88 | 140 | 0 |
| 30 Sep 17 | 316 | 88 | 139 | 0 |
| 30 Jun 17 | 310 | 88 | 137 | 0 |
| 31 Mar 17 | 308 | 86 | 136 | 0 |
| 31 Dec 16 | 302 | 82 | 136 | 0 |
| 30 Sep 16 | 303 | 80 | 136 | 0 |
| 30 Jun 16 | 307 | 80 | 137 | 0 |
| 31 Mar 16 | 304 | 77 | 139 | 0 |
| 31 Dec 15 | 301 | 73 | 139 | 0 |
| 30 Sep 15 | 297 | 72 | 138 | 0 |
| 30 Jun 15 | 284 | 65 | 137 | 0 |
| 31 Mar 15 | 280 | 65 | 132 | 0 |
| 31 Dec 14 | 277 | 66 | 128 | 0 |
| 30 Sep 14 | 273 | 66 | 125 | 0 |
| 30 Jun 14 | 273 | 65 | 124 | 0 |
| 31 Mar 14 | 274 | 64 | 124 | 0 |
| 31 Dec 13 | 268 | 61 | 122 | 0 |
| 30 Sep 13 | 260 | 56 | 120 | 0 |
| 30 Jun 13 | 236 | 41 | 117 | 0 |
Quality Earnings: TFSL has high quality earnings.
Growing Profit Margin: TFSL's current net profit margins (23.9%) are lower than last year (26.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: TFSL's earnings have declined by 2.9% per year over the past 5 years.
Accelerating Growth: TFSL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: TFSL had negative earnings growth (-8.7%) over the past year, making it difficult to compare to the Banks industry average (-9%).
Return on Equity
High ROE: TFSL's Return on Equity (4%) is considered low.