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
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at USD 25.46 MM
- DIVIDEND PAYOUT RATIO(Y) Lowest at 373.68%
3
With ROA of 0.42%, it has a very attractive valuation with a 2.33 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 -0.34%, its profits have risen by 3.6% ; the PEG ratio of the company is 15.4
- At the current price, the company has a high dividend yield of 717.1
4
Majority shareholders : Mutual Funds
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -0.34% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
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?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
TFS Financial Corp.
3.9%
0.73
23.24%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.79%
EBIT Growth (5y)
-2.11%
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
403.57%
Pledged Shares
0
Institutional Holding
11.24%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
55
Industry P/E
Price to Book Value
2.33
EV to EBIT
100.70
EV to EBITDA
80.41
EV to Capital Employed
1.44
EV to Sales
11.12
PEG Ratio
15.42
Dividend Yield
717.08%
ROCE (Latest)
1.43%
ROE (Latest)
4.23%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
NII(Q)
Highest at USD 74.99 MM
CASH AND EQV(HY)
Highest at USD 65.22 MM
NET SALES(Q)
Highest at USD 191.41 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 25.46 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 373.68%
Here's what is working for TFS Financial Corp.
NII
Highest at USD 74.99 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 191.41 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 65.22 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 5.95 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for TFS Financial Corp.
Operating Cash Flow
Lowest at USD 25.46 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Lowest at 373.68% and Fallen
In each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Capital Adequacy Ratio
Lowest at 17.75%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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