TFS Financial Corporation

NasdaqGS:TFSL Stock Report

Mkt Cap: US$4.0b

We’ve recently updated our valuation analysis.

TFS Financial Valuation

Is TFSL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for TFSL?

Other financial metrics that can be useful for relative valuation.

TFSL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio11.1x

Price to Earnings Ratio vs Peers

How does TFSL's PE Ratio compare to its peers?

The above table shows the PE ratio for TFSL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average5.2x
MTG MGIC Investment
4.9x-14.5%US$4.2b
ACT Enact Holdings
5.7x-13.3%US$4.1b
PFSI PennyMac Financial Services
5.6x-10.6%US$3.4b
RDN Radian Group
4.5x-21.0%US$3.5b
TFSL TFS Financial
50.5x4.5%US$4.0b

Price-To-Earnings vs Peers: TFSL is expensive based on its Price-To-Earnings Ratio (50.5x) compared to the peer average (5.2x).


Price to Earnings Ratio vs Industry

How does TFSL's PE Ratio compare vs other companies in the US Mortgage Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a9.9%
n/an/an/a

Price-To-Earnings vs Industry: TFSL is expensive based on its Price-To-Earnings Ratio (50.5x) compared to the US Mortgage industry average (11.6x)


Price to Earnings Ratio vs Fair Ratio

What is TFSL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

TFSL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio50.5x
Fair PE Ratio10.8x

Price-To-Earnings vs Fair Ratio: TFSL is expensive based on its Price-To-Earnings Ratio (50.5x) compared to the estimated Fair Price-To-Earnings Ratio (10.8x).


Share Price vs Fair Value

What is the Fair Price of TFSL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: TFSL ($14.25) is trading above our estimate of fair value ($2.24)

Significantly Below Fair Value: TFSL is trading above our estimate of fair value.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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