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 Dec 25
- OPERATING CASH FLOW(Y) Highest at USD 107.87 MM
- ROCE(HY) Highest at 0.52%
3
With ROA of 0.45%, it has a very attractive valuation with a 2.36 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 9.41%, its profits have risen by 11.8% ; the PEG ratio of the company is 4.2
- At the current price, the company has a high dividend yield of 7.1
4
Increasing Participation by Institutional Investors
- Institutional investors have increased their stake by 0.53% over the previous quarter and collectively hold 12.65% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
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.
10.22%
0.42
23.40%
S&P 500
13.68%
0.71
19.28%
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
12.65%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
50
Industry P/E
Price to Book Value
2.36
EV to EBIT
95.78
EV to EBITDA
75.76
EV to Capital Employed
1.42
EV to Sales
11.24
PEG Ratio
4.23
Dividend Yield
7.08%
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 Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 107.87 MM
ROCE(HY)
Highest at 0.52%
-2What is not working for the Company
ROCE(HY)
Lowest at 0.52%
Here's what is working for TFS Financial Corp.
Operating Cash Flow
Highest at USD 107.87 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Depreciation
Highest at USD 6.26 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.
Capital Adequacy Ratio
Lowest at 17.35%
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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