TFS Financial Valuation
| TFSL Stock | USD 12.57 0.04 0.32% |
At this time, the company appears to be undervalued. TFS Financial has a current Real Value of $13.81 per share. The regular price of the company is $12.57. Our model measures the value of TFS Financial from examining the company fundamentals such as return on equity of 0.042, and Shares Outstanding of 280.8 M as well as evaluating its technical indicators and probability of bankruptcy. Key fundamental drivers impacting TFS Financial's valuation include:
Price Book 1.895 | Enterprise Value | Price Sales 11.5855 | Trailing PE 44.8929 | Enterprise Value Revenue 27.5473 |
Undervalued
Today
Please note that TFS Financial's price fluctuation is not too volatile at this time. Calculation of the real value of TFS Financial is based on 3 months time horizon. Increasing TFS Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the TFS stock is determined by what a typical buyer is willing to pay for full or partial control of TFS Financial. Since TFS Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of TFS Stock. However, TFS Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 12.57 | Real 13.81 | Target 14.75 | Hype 12.58 | Naive 12.51 |
The intrinsic value of TFS Financial's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence TFS Financial's stock price.
Estimating the potential upside or downside of TFS Financial helps investors to forecast how TFS stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of TFS Financial more accurately as focusing exclusively on TFS Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use TFS Financial's intrinsic value based on its ongoing forecasts of TFS Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against TFS Financial's closest peers.
TFS Financial Cash |
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TFS Valuation Trend
Knowing TFS Financial's actual value is paramount for traders when making sound investment determinations. Using both TFS Financial's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
TFS Financial Total Value Analysis
TFS Financial is at this time projected to have valuation of 7.86 B with market capitalization of 3.53 B, debt of 4.79 B, and cash on hands of 387.53 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the TFS Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
7.86 B | 3.53 B | 4.79 B | 387.53 M |
TFS Financial Investor Information
About 91.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.9. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. TFS Financial last dividend was issued on the 3rd of December 2024. TFS Financial is not in a good financial situation at this time. It has a very high probability of going through financial hardship in February.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.36 | 0.38 |
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| Operating Income | 85.8 M | 90.3 M |
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TFS Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of TFS suggests not a very effective usage of assets in January.TFS Financial Ownership Allocation
TFS Financial shows a total of 280.8 Million outstanding shares. The majority of TFS Financial outstanding shares are owned by institutional holders. These institutional investors are usually referred to as non-private investors looking to take positions in TFS Financial to benefit from reduced commissions. Therefore, institutions are subject to a different set of regulations than regular investors in TFS Financial. Please pay attention to any change in the institutional holdings of TFS Financial as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.TFS Financial Profitability Analysis
The company reported the previous year's revenue of 303.16 M. Net Income was 79.59 M with profit before overhead, payroll, taxes, and interest of 304.66 M.TFS Financial Past Distributions to stockholders
About TFS Financial Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of TFS Financial. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of TFS Financial based exclusively on its fundamental and basic technical indicators. By analyzing TFS Financial's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of TFS Financial's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of TFS Financial. We calculate exposure to TFS Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of TFS Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 872.6 M | 916.2 M | |
| Pretax Profit Margin | 0.38 | 0.36 | |
| Operating Profit Margin | 0.38 | 0.36 | |
| Net Profit Margin | 0.30 | 0.26 | |
| Gross Profit Margin | 2.25 | 2.00 |
TFS Financial Quarterly Retained Earnings |
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A single share of TFS Financial represents a small ownership stake in the entity. As a stockholder of TFS, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
TFS Financial Dividends Analysis For Valuation
At this time, TFS Financial's Dividends Paid is quite stable compared to the past year. Dividend Yield is expected to rise to 0.02 this year, although the value of Dividend Payout Ratio will most likely fall to 0.50. . Price Earnings To Growth Ratio is expected to rise to 5.73 this year, although the value of Retained Earnings will most likely fall to about 700.3 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 67.8 M | 71.2 M | |
| Dividend Yield | 0.01 | 0.02 | |
| Dividend Payout Ratio | 0.67 | 0.50 | |
| Dividend Paid And Capex Coverage Ratio | 0.17 | 0.16 |
There are various types of dividends TFS Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of TFS shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from TFS Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When TFS pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of TFS Financial by the value of the dividends paid out.
TFS Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as TFS Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 279.1 M |
TFS Financial Current Valuation Indicators
TFS Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final TFS Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as TFS Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use TFS Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes TFS Financial's worth.When determining whether TFS Financial is a strong investment it is important to analyze TFS Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact TFS Financial's future performance. For an informed investment choice regarding TFS Stock, refer to the following important reports: Check out World Market Map to better understand how to build diversified portfolios, which includes a position in TFS Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state. For more information on how to buy TFS Stock please use our How to buy in TFS Stock guide.You can also try the Insider Screener module to find insiders across different sectors to evaluate their impact on performance.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of TFS Financial. If investors know TFS will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about TFS Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Dividend Share 1.13 | Earnings Share 0.28 | Revenue Per Share | Quarterly Revenue Growth (0.01) | Return On Assets |
The market value of TFS Financial is measured differently than its book value, which is the value of TFS that is recorded on the company's balance sheet. Investors also form their own opinion of TFS Financial's value that differs from its market value or its book value, called intrinsic value, which is TFS Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because TFS Financial's market value can be influenced by many factors that don't directly affect TFS Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between TFS Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if TFS Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, TFS Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.