TFS Financial Corporation cash flow to debt ratio of 1.68% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

TFS Financial Corporation's free cash flow has decreased 17.03% from $85.54M last year to $70.97M, signaling decreasing performance

TFS Financial Corporation's debt to equity ratio is 2.97, which means that the company's assets are unhealthy financed, signaling financial risk.

TFS Financial Corporation's debt has increased relative to shareholder equity from 2.59 last year to 2.97 today, signaling weakened financials

TFS Financial Corporation has a net debt to EBITDA ratio of 32.06x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

TFS Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

TFS Financial Corporation's profit margin has increased (18.94%) in the last year from 10.49% to 12.48%, signaling increasing performance

TFS Financial Corporation's short-term liabilities of $10.45B exceed its short-term assets of $546.04M, signaling financial risk

TFS Financial Corporation's return on assets of 0.56% is lower than the 5.00% threshold, indicating inefficient asset utilization

TFS Financial Corporation's return on equity of 5.32%, is lower than 15.00%, indicating bad performance

TFS Financial Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

TFS Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

TFS Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

TFS Financial Corporation has a free cash flow yield of 1.47%, which is below the 2.00% threshold, indicating limited cash return relative to market value

TFS Financial Corporation's yearly earnings has increased 14.29% since last year from $79.59M to $90.96M, signaling increasing performance

TFS Financial Corporation's yearly revenue has increased 4.37% since last year from $758.78M to $791.96M, signaling increasing performance

ROIC 0.53% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

TFS Financial Corporation's 3-year revenue CAGR of 22.28% is positive, indicating growing revenue over the past 3 years

TFS Financial Corporation had revenue growth in 3 out of 5 years, indicating consistent revenue performance

TFS Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

TFS Financial Corporation has insufficient data to evaluate this check.

TFS Financial Corporation has an earnings yield of 2.13%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

TFS Financial Corporation is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

TFS Financial Corporation has an EV/EBITDA ratio of 67.10x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

TFS Financial Corporation is overvalued relative to its fair value price of 8.24 based on Earnings Fair Value model

TFS Financial Corporation has a PEG-ratio over 1 which is considered overvalued

TFS Financial Corporation has a price-to-book ratio of 2.46x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

TFS Financial Corporation has a price-to-sales ratio of 5.87x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue