TFS Financial CORP (TFSL)
Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014Q4-CY2013
Balance Sheet Date2025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-312013-Dec-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue85,484,000$82,042,000$79,117,000$74,831,000$75,135,000$75,518,000$77,100,000$75,407,000$75,463,000$74,622,000$74,597,000$80,314,000$79,891,000$76,979,000$68,332,000$65,998,000$66,079,000$66,527,000$74,119,000$80,204,000$67,218,000$78,201,000$73,985,000$76,115,000$70,129,000$70,601,000$72,667,000$72,488,000$73,867,000$77,464,000$76,314,000$74,832,000$75,233,000$75,076,000$74,838,000$73,598,000$73,650,000$73,497,000$74,462,000$73,758,000$74,266,000$73,715,000$73,317,000$73,089,000$72,310,000$73,582,000$74,568,000$72,873,000$
QoQ%4.20%3.70%5.73%(.41%)(.51%)(2.05%)2.25%(.07%)1.13%.03%(7.12%).53%3.78%12.65%3.54%(.12%)(.67%)(10.24%)(7.59%)19.32%(14.05%)5.70%(2.80%)8.54%(.67%)(2.84%).25%(1.87%)(4.64%)1.51%1.98%(.53%).21%.32%1.69%(.07%).21%(1.30%).95%(.68%).75%.54%.31%1.08%(1.73%)(1.32%)2.33%2.11%
YoY%13.77%8.64%2.62%(.76%)(.44%)1.20%3.36%(6.11%)(5.54%)(3.06%)9.17%21.69%20.90%15.71%(7.81%)(17.71%)(1.69%)(14.93%).18%5.37%(4.15%)10.77%1.81%5.00%(5.06%)(8.86%)(4.78%)(3.13%)(1.82%)3.18%1.97%1.68%2.15%2.15%.51%(.22%)(.83%)(.30%)1.56%.92%2.71%.18%(1.68%).30%1.32%(1.83%).72%(4.94%)
Cost Of Revenue1,000,000$1,500,000$1,500,000$(1,500,000$)1,000,000$(500,000$)(1,000,000$)(1,000,000$)500,000$0$(1,000,000$)(1,000,000$)0$4,000,000$(1,000,000$)(2,000,000$)(2,000,000$)(1,000,000$)(4,000,000$)(2,000,000$)0$0$6,000,000$(3,000,000$)(2,000,000$)(2,000,000$)(4,000,000$)(2,000,000$)(2,000,000$)(2,000,000$)(4,000,000$)(3,000,000$)(7,000,000$)(4,000,000$)(6,000,000$)0$(3,000,000$)(3,000,000$)(1,000,000$)(1,000,000$)(6,000,000$)0$1,000,000$2,000,000$4,000,000$4,000,000$5,000,000$6,000,000$
Gross Profit84,484,000$80,542,000$77,617,000$76,331,000$74,135,000$76,018,000$78,100,000$76,407,000$74,963,000$74,622,000$75,597,000$81,314,000$79,891,000$72,979,000$69,332,000$67,998,000$68,079,000$67,527,000$78,119,000$82,204,000$67,218,000$78,201,000$67,985,000$79,115,000$72,129,000$72,601,000$76,667,000$74,488,000$75,867,000$79,464,000$80,314,000$77,832,000$82,233,000$79,076,000$80,838,000$73,598,000$76,650,000$76,497,000$75,462,000$74,758,000$80,266,000$73,715,000$72,317,000$71,089,000$68,310,000$69,582,000$69,568,000$66,873,000$
Gross Margin98.83%98.17%98.10%102.01%98.67%100.66%101.30%101.33%99.34%100.00%101.34%101.25%100.00%94.80%101.46%103.03%103.03%101.50%105.40%102.49%100.00%100.00%91.89%103.94%102.85%102.83%105.51%102.76%102.71%102.58%105.24%104.01%109.30%105.33%108.02%100.00%104.07%104.08%101.34%101.36%108.08%100.00%98.64%97.26%94.47%94.56%93.30%91.77%
Operating Expenses52,045,000$53,185,000$51,088,000$47,941,000$51,084,000$50,788,000$52,198,000$50,277,000$51,484,000$52,877,000$55,574,000$53,194,000$48,742,000$51,756,000$49,975,000$47,673,000$47,446,000$47,850,000$48,810,000$51,729,000$50,563,000$44,833,000$49,558,000$47,320,000$45,098,000$49,868,000$50,727,000$47,980,000$45,420,000$51,429,000$49,688,000$45,776,000$47,179,000$44,669,000$45,294,000$45,262,000$42,054,000$44,976,000$46,341,000$47,633,000$45,371,000$47,819,000$48,829,000$45,973,000$44,837,000$42,849,000$44,931,000$42,859,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses121,730,000$116,413,000$113,903,000$118,440,000$119,801,000$115,633,000$112,115,000$108,067,000$98,377,000$87,878,000$78,284,000$63,813,000$45,502,000$31,469,000$30,720,000$34,246,000$36,678,000$38,313,000$39,544,000$43,186,000$55,596,000$47,079,000$54,488,000$55,867,000$57,983,000$55,525,000$52,682,000$50,476,000$45,536,000$40,845,000$38,482,000$37,241,000$35,869,000$33,449,000$30,797,000$29,984,000$30,246,000$29,604,000$29,386,000$28,790,000$28,442,000$28,083,000$28,225,000$28,600,000$27,832,000$25,884,000$24,311,000$25,224,000$
Income Before Tax32,439,000$27,357,000$26,529,000$28,390,000$23,051,000$25,230,000$25,902,000$26,130,000$23,479,000$21,745,000$20,023,000$28,120,000$31,149,000$21,223,000$19,357,000$20,325,000$20,633,000$19,677,000$29,309,000$30,475,000$16,655,000$33,368,000$18,427,000$31,795,000$27,031,000$22,733,000$25,940,000$26,508,000$30,447,000$28,035,000$30,626,000$32,056,000$35,054,000$34,407,000$35,544,000$28,336,000$34,596,000$31,521,000$29,121,000$27,125,000$34,895,000$25,896,000$23,488,000$25,116,000$23,473,000$26,733,000$24,637,000$24,014,000$
Tax Expenses6,440,000$5,844,000$5,508,000$5,964,000$4,836,000$5,277,000$5,189,000$5,423,000$3,933,000$4,142,000$4,115,000$5,927,000$5,716,000$4,076,000$3,512,000$4,185,000$3,618,000$3,696,000$6,300,000$5,473,000$3,077,000$6,528,000$1,170,000$6,153,000$5,514,000$4,476,000$5,810,000$6,175,000$8,842,000$7,160,000$7,312,000$12,443,000$12,036,000$11,619,000$12,083,000$8,726,000$11,790,000$10,901,000$9,845,000$9,274,000$11,872,000$8,638,000$7,822,000$8,472,000$7,622,000$9,102,000$8,252,000$7,990,000$
Net Income25,999,000$21,513,000$21,021,000$22,426,000$18,215,000$19,953,000$20,713,000$20,707,000$19,546,000$17,603,000$15,908,000$22,193,000$25,433,000$17,147,000$15,845,000$16,140,000$17,015,000$15,981,000$23,009,000$25,002,000$13,578,000$26,840,000$17,257,000$25,642,000$21,517,000$18,257,000$20,130,000$20,333,000$21,605,000$20,875,000$23,314,000$19,613,000$23,018,000$22,788,000$23,461,000$19,610,000$22,806,000$20,620,000$19,276,000$17,851,000$23,023,000$17,258,000$15,666,000$16,644,000$15,851,000$17,631,000$16,385,000$16,024,000$
Profit Margin30.41%26.22%26.57%29.97%24.24%26.42%26.87%27.46%25.90%23.59%21.33%27.63%31.84%22.28%23.19%24.46%25.75%24.02%31.04%31.17%20.20%34.32%23.33%33.69%30.68%25.86%27.70%28.05%29.25%26.95%30.55%26.21%30.60%30.35%31.35%26.65%30.97%28.06%25.89%24.20%31.00%23.41%21.37%22.77%21.92%23.96%21.97%21.99%
TTM28.29%26.73%26.79%26.87%26.25%26.66%25.97%24.58%24.67%26.22%25.88%26.39%25.61%23.85%24.34%26.45%28.23%26.93%29.50%27.60%28.19%30.58%28.43%29.55%28.07%27.73%27.98%28.70%28.24%28.57%29.44%29.63%29.75%29.84%29.26%27.88%27.27%27.29%26.13%25.01%24.66%22.37%22.51%22.66%22.46%22.51%21.93%20.75%
Earnings to Minority382,000$363,000$360,000$353,000$336,000$343,000$342,000$405,000$405,000$388,000$385,000$389,000$403,000$370,000$368,000$369,000$374,000$368,000$401,000$409,000$359,000$422,000$382,000$417,000$398,000$362,000$406,000$372,000$382,000$287,000$300,000$244,000$260,000$216,000$221,000$204,000$216,000$184,000$181,000$179,000$202,000$145,000$132,000$147,000$144,000$84,000$79,000$77,000$
Earnings to Common Shareholders25,617,000$21,150,000$20,661,000$22,073,000$17,879,000$19,610,000$20,371,000$20,302,000$19,141,000$17,215,000$15,523,000$21,804,000$25,030,000$16,777,000$15,477,000$15,771,000$16,641,000$15,613,000$22,608,000$24,593,000$13,219,000$26,418,000$16,875,000$25,225,000$21,119,000$17,895,000$19,724,000$19,961,000$21,223,000$20,588,000$23,014,000$19,369,000$22,758,000$22,572,000$23,240,000$19,406,000$22,590,000$20,436,000$19,095,000$17,672,000$22,821,000$17,113,000$15,534,000$16,497,000$15,707,000$17,547,000$16,306,000$15,947,000$
QoQ%21.12%2.37%(6.40%)23.46%(8.83%)(3.74%).34%6.07%11.19%10.90%(28.81%)(12.89%)49.19%8.40%(1.86%)(5.23%)6.58%(30.94%)(8.07%)86.04%(49.96%)56.55%(33.10%)19.44%18.02%(9.27%)(1.19%)(5.95%)3.08%(10.54%)18.82%(14.89%).82%(2.87%)19.76%(14.10%)10.54%7.02%8.05%(22.56%)33.36%10.17%(5.84%)5.03%(10.49%)7.61%2.25%1.63%
YoY%43.28%7.85%1.42%8.72%(6.59%)13.91%31.23%(6.89%)(23.53%)2.61%.30%38.25%50.41%7.46%(31.54%)(35.87%)25.89%(40.90%)33.97%(2.51%)(37.41%)47.63%(14.44%)26.37%(.49%)(13.08%)(14.30%)3.06%(6.75%)(8.79%)(.97%)(.19%).74%10.45%21.71%9.81%(1.01%)19.42%22.92%7.12%45.29%(2.47%)(4.73%)3.45%.10%8.55%28.17%43.73%
Earnings Per Share, Basic0.09$0.08$0.07$0.08$0.06$0.07$0.07$0.07$0.07$0.06$0.06$0.08$0.09$0.06$0.06$0.06$0.06$0.06$0.08$0.09$0.05$0.10$0.06$0.09$0.08$0.06$0.07$0.07$0.08$0.07$0.08$0.07$0.08$0.08$0.08$0.07$0.08$0.07$0.07$0.06$0.08$0.06$0.05$0.06$0.05$0.06$0.05$0.05$
Earnings Per Share, Diluted0.09$0.08$0.07$0.08$0.06$0.07$0.07$0.07$0.07$0.06$0.06$0.08$0.09$0.06$0.06$0.06$0.06$0.06$0.08$0.09$0.05$0.10$0.06$0.09$0.08$0.06$0.07$0.07$0.08$0.07$0.08$0.07$0.08$0.08$0.08$0.07$0.08$0.07$0.07$0.06$0.08$0.06$0.05$0.06$0.05$0.06$0.05$0.05$
Unlevered FCF Per Share, Basic(0.05$)0.09$0.05$0.16$(0.21$)0.34$0.05$0.13$0.05$0.12$(0.13$)0.28$(0.05$)0.03$0.12$0.03$(0.14$)0.28$0.07$0.09$0.11$0.10$0.12$0.10$0.11$0.10$0.16$0.12$0.08$0.05$(0.17$)0.34$0.06$0.06$(0.12$)0.35$0.10$0.05$(0.11$)0.23$0.08$0.09$(0.08$)0.24$0.06$0.08$(0.07$)0.26$
Unlevered FCF Per Share, Diluted(0.05$)0.09$0.05$0.16$(0.21$)0.34$0.05$0.13$0.05$0.12$(0.13$)0.28$(0.05$)0.03$0.12$0.03$(0.14$)0.28$0.07$0.09$0.11$0.10$0.12$0.10$0.11$0.10$0.15$0.12$0.08$0.05$(0.17$)0.34$0.06$0.06$(0.12$)0.35$0.10$0.04$(0.11$)0.23$0.08$0.09$(0.08$)0.24$0.06$0.08$(0.07$)0.26$
Average Shares, Basic278,762,703278,832,875278,729,388278,538,110278,398,041278,291,376278,183,041277,841,526277,591,019277,472,312277,361,293277,320,904277,380,995277,453,439277,423,493277,225,121276,980,573276,864,229276,716,978276,216,596276,069,202275,956,011275,835,243275,578,184275,462,026275,384,635275,359,201275,376,254275,419,201275,468,237275,656,445275,816,329276,083,534277,056,490277,787,284277,925,724279,302,394280,815,430282,314,098283,834,670286,015,468288,553,691291,377,147293,797,138296,318,161298,681,954300,261,921300,634,212
Average Shares, Diluted279,862,792279,873,274279,719,382279,578,652279,304,001279,221,360279,046,837279,001,898278,780,924278,590,810278,499,145278,462,937278,466,789278,555,759278,819,539278,903,373278,752,209278,931,432278,593,303278,028,072277,700,434277,521,881278,101,329277,888,588277,682,746277,398,486277,343,155277,073,317277,112,358277,200,873277,256,178277,624,291277,904,664278,986,397279,911,556280,272,455281,304,753283,011,869284,486,177286,340,053288,610,226290,759,754293,342,875296,128,813298,295,391300,533,021301,529,980301,868,676
EBIT154,169,000$143,770,000$140,432,000$146,830,000$142,852,000$140,863,000$138,017,000$134,197,000$121,856,000$109,623,000$98,307,000$91,933,000$76,651,000$52,692,000$50,077,000$54,571,000$57,311,000$57,990,000$68,853,000$73,661,000$72,251,000$80,447,000$72,915,000$87,662,000$85,014,000$78,258,000$78,622,000$76,984,000$75,983,000$68,880,000$69,108,000$69,297,000$70,923,000$67,856,000$66,341,000$58,320,000$64,842,000$61,125,000$58,507,000$55,915,000$63,337,000$53,979,000$51,713,000$53,716,000$51,305,000$52,617,000$48,948,000$49,238,000$
EBITDA154,169,000$143,770,000$140,432,000$146,830,000$142,852,000$140,863,000$138,017,000$134,197,000$121,856,000$109,623,000$98,307,000$91,933,000$76,651,000$52,692,000$50,077,000$54,571,000$57,311,000$57,990,000$68,853,000$73,661,000$72,251,000$80,447,000$72,915,000$87,662,000$85,014,000$78,258,000$78,622,000$76,984,000$75,983,000$68,880,000$69,108,000$69,297,000$70,923,000$67,856,000$66,341,000$58,320,000$64,842,000$61,125,000$58,507,000$55,915,000$63,337,000$53,979,000$51,713,000$53,716,000$51,305,000$52,617,000$48,948,000$49,238,000$