Fundamental Analysis of TFS Financial Corp. - Growth / Value Index


TFSL - Valuation Highlights

Valuation Analysis

   Undervalued - Price to Intrinsic Value of 0.446
   Price to Book Ratio is 0.654 indicating that it is undervalued.
   Book Value in last 3 years is trending up
   Price to Earning Ratio is 47.24 and EV to EBITDA is 147.99 suggesting that it is very expensive
Valuation Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Price to Earning 47.60 49.69 -0.821 %
Price to Book 0.658 0.321 -84.15 % 1.96
Price to Sales 7.24 12.26 -4.44 %
Enterprise Value to EBITDA Multiple 148.40 106.77 168.24 %


TFSL - Profitability Highlights

Profitability Analysis

   Gives Dividend Yield of 8.69 %
   Excellent Net Margin for last 3 years
   Piotroski F Score - Stable Value of 5.0
   Company's Net Profit is increasing for last 5 Quarters
   Steady Growth in EPS for last four quarters
   Good Net Margin of 15.21% is achieved by the company
   Tsr Profitability Index - Poor Score of 26.88
   Low Earning Yield of 2.12 %
   In the last three years, the company has given poor Returns on Equity
   In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Return On Equity 4.17 3.90 -3.43 % 1.09
Return On Asset 0.469 0.445 -5.81 % 0.122
Net Profit Margin 15.21 24.67 -3.65 % 10.95
Operating Profit Margin 19.61 30.61 -3.16 % 15.81
EBITDA Margin 13.04 30.61 -65.85 % -2.12


Highlights
Market Cap3764.33 M
Enterprise Value9993.70 M
Price/Book TTM0.658
Outstanding Share280711 K
Float/ Outstanding Share17.63%
Dividend Yield8.45 %
Share Holding
Guru Numbers
Price/Graham No0.824
Peter Lynch Ratio0.0192
Piotroski F Score5.00
Altman Z Score0.534
Sloan Ratio0.0017
Peter Lynch Fair Value0


TFSL - Growth Highlights

Growth Analysis

   Short term positive trend in total sale and net profit
   Annual sales of the company is increased for three years in a row
   Quarterly sales in last 5 years is trending up
   Steady increase in Total Assets for last 3 Years
   Tsr Growth Index - Very Poor Score of 13.88
Growth Key Fields
Field TTM YoY Growth QoQ Growth
Revenue 516459 K 4.74 % 6.81 %
Gross Profit 405344 K 5.10 % 55.92 %
EBITDA 67341.00 K 64.23 % 115.36 %
Net Profit 78569.00 K 0.919 % 0.0290 %
EPS 0.282 0.828 % NA


TFSL - Stability Highlights

Stability Analysis

   Cash ratio of 94.10
   Tsr Stability Index - Very Poor Score of 6.25
   Altman Z Score of 0.531 suggest high risk
   Company has high debt burden
   Interest Coverage of 0.225
Stability Key Ratios
Ratio Latest FY Yoy Change MRQ
Debt to Equity Ratio 3.47 -8.77 % 3.08
Cash Ratio 94.10 -98.10 %
Quick Ratio 149.69 -96.97 % 13.99
Shareholders Equity 11.39 -2.47 %
Debt to EBITDA 71.72 166.54 %


Historical Valuation Ratios of TFS Financial Corp.

Historical Valuation Ratios
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Historical Profitability Ratios of TFS Financial Corp.

Historical Profitability Ratios
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Historical Efficiency Ratios of TFS Financial Corp.

Historical Efficiency Ratios
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Historical Solvency Ratios of TFS Financial Corp.

Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)