ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is TFS Financial Corp. ?
1
The Bank has a high Capital Adequacy Ratio of 20.45% signifying high buffers against its risk based assets
2
Positive results in Mar 26
- ROCE(HY) Highest at 0.53%
- GROSS NPA (%)(Q) Lowest at 0.23%
- NII(Q) Highest at USD 77.81 MM
3
With ROA of 0.45%, it has a very attractive valuation with a 2.38 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 31.48%, its profits have risen by 11.8% ; the PEG ratio of the company is 4.3
- At the current price, the company has a high dividend yield of 7
4
Increasing Participation by Institutional Investors
- Institutional investors have increased their stake by 1.44% over the previous quarter and collectively hold 14.09% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
5
Market Beating Performance
- The stock has generated a return of 31.48% in the last 1 year, much higher than market (S&P 500) returns of 20.78%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to TFS Financial Corp. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is TFS Financial Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
TFS Financial Corp.
31.48%
1.62
23.30%
S&P 500
20.78%
1.56
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.11%
EBIT Growth (5y)
-0.67%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
353.24%
Pledged Shares
0
Institutional Holding
14.09%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
51
Industry P/E
Price to Book Value
2.38
EV to EBIT
96.22
EV to EBITDA
76.11
EV to Capital Employed
1.43
EV to Sales
11.29
PEG Ratio
4.27
Dividend Yield
7.02%
ROCE (Latest)
1.48%
ROE (Latest)
4.70%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
ROCE(HY)
Highest at 0.53%
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 77.81 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 155.57%
-4What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 345.78%
ROCE(HY)
Lowest at 0.53%
Here's what is working for TFS Financial Corp.
Non Performing Loans (%)
Lowest at 0.23%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 77.81 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Credit Deposit Ratio
Highest at 155.57%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for TFS Financial Corp.
Dividend Payout Ratio
Lowest at 345.78% and Fallen
In each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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