TFSL Valuation

TFS Financial Corp

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13.750

+0.5(3.774%)1D

Overview
Forecast
Valuation
Earnings

TFSL Relative Valuation

TFSL's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, TFSL is overvalued; if below, it's undervalued.

Historical Valuation

TFS Financial Corp (TFSL) is now in the Undervalued zone, suggesting that its current forward PE ratio of 41.31 is considered Undervalued compared with the five-year average of 62.99. The fair price of TFS Financial Corp (TFSL) is between 14.22 to 22.61 according to relative valuation methord. Compared to the current price of 13.36 USD , TFS Financial Corp is Undervalued By 6.06%.

Relative Value

Fair Zone

14.22-22.61

Current Price：13.36

6.06%

Undervalued

41.41

Trailing

Forward

0.00

EV/EBITDA

TFS Financial Corp. (TFSL) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

TFS Financial Corp. (TFSL) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

10.83

TFS Financial Corp. (TFSL) has a current PS of 10.83. The 5-year average PS is 15.65. The thresholds are as follows: Strongly Undervalued below 7.21, Undervalued between 7.21 and 11.43, Fairly Valued between 19.87 and 11.43, Overvalued between 19.87 and 24.09, and Strongly Overvalued above 24.09. The current Forward PS of 10.83 falls within the Undervalued range.

0.00

P/OCF

TFS Financial Corp. (TFSL) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

TFS Financial Corp. (TFSL) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

TFS Financial Corp (TFSL) has a current Price-to-Book (P/B) ratio of 1.95. Compared to its 3-year average P/B ratio of 1.94 , the current P/B ratio is approximately 0.52% higher. Relative to its 5-year average P/B ratio of 2.32, the current P/B ratio is about -15.68% higher. TFS Financial Corp (TFSL) has a Forward Free Cash Flow (FCF) yield of approximately 0.68%. Compared to its 3-year average FCF yield of 2.05%, the current FCF yield is approximately -67.08% lower. Relative to its 5-year average FCF yield of 2.00% , the current FCF yield is about -66.26% lower.

1.96

P/B

Median3y

1.94

Median5y

2.32

0.67

FCF Yield

Median3y

2.05

Median5y

2.00

Competitors Valuation Multiple

The average P/S ratio for TFSL's competitors is 4.64, providing a benchmark for relative valuation. TFS Financial Corp Corp (TFSL) exhibits a P/S ratio of 10.83, which is 133.54% above the industry average. Given its robust revenue growth of 8.47%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Provident Financial Services Inc

Flagstar Financial Inc

Northwest Bancshares Inc

Columbia Financial Inc

6.62

19.12%

1.61B

Performance Decomposition

Market capitalization of TFSL increased by 8.02% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 68.84M to 74.67M.

The secondary factor is the P/E Change, contributed 0.17%to the performance.

Overall, the performance of TFSL in the past 1 year is driven by Revenue Growth. Which is more sustainable.

8.47%

68.84M → 74.67M

Revenue Growth

-0.62%

28.99 → 28.81

Margin Expansion

0.17%

45.61 → 45.69

P/E Change

8.02%