TFSL
TFS Financial CORP
NASDAQ · Financial Services · Banks - Regional · US
$16.76
+1.95%Income statement
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 831.3M | 839.2M | 792.0M | 758.8M | 633.3M |
| Cost of Revenue | 488.5M | 485.0M | 473.0M | 454.1M | 326.9M |
| Gross Profit | 342.9M | 354.3M | 319.0M | 304.7M | 306.5M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 178.1M | 171.5M | 137.7M | 142.1M | 151.5M |
| General & Admin Expense | 160.0M | 153.4M | 119.0M | 122.4M | 126.2M |
| Selling & Marketing Expense | 18.1M | 18.1M | 18.6M | 19.7M | 25.3M |
| Other Expenses | 43.8M | 54.0M | 66.6M | 62.3M | 61.6M |
| Total Operating Expenses | 221.9M | 225.4M | 204.3M | 204.3M | 213.1M |
| Cost and Expenses | 710.4M | 710.4M | 677.2M | 658.5M | 540.0M |
| Operating Income (EBIT) | 121.0M | 128.9M | 114.7M | 100.3M | 93.4M |
| Non-Operating | |||||
| Interest Income | 809.2M | 809.2M | 763.2M | 734.1M | 611.9M |
| Interest Expense | 487.5M | 487.5M | 470.5M | 455.6M | 328.4M |
| Net Interest Income | 321.8M | 321.8M | 292.7M | 278.5M | 283.6M |
| Other Non-Op Income/Expense | 7.9M | — | — | — | — |
| Non-Operating Income (excl Interest) | (134.9M) | (487.5M) | — | — | — |
| EBT (Pre-Tax Income) | 128.9M | 128.9M | 114.7M | 100.3M | 93.4M |
| Income Tax Expense | 28.1M | 28.1M | 23.8M | 20.7M | 18.1M |
| Bottom Line | |||||
| Net Income | 100.7M | 100.7M | 91.0M | 79.6M | 75.3M |
| Earnings from Cont. Ops | 100.7M | 100.7M | 91.0M | 79.6M | 75.3M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 100.7M | 100.7M | 89.5M | 78.2M | 73.7M |
| Per Share | |||||
| Basic EPS | $0.36 | $0.36 | $0.32 | $0.28 | $0.27 |
| Diluted EPS | $0.36 | $0.35 | $0.32 | $0.28 | $0.26 |
| Revenue Per Share | $2.98 | $3.01 | $2.84 | $2.73 | $2.28 |
| Shares | |||||
| Basic Shares Outstanding | 279.0M | 278.9M | 278.7M | 278.2M | 277.4M |
| Diluted Shares Outstanding | 280.5M | 280.1M | 279.8M | 279.1M | 278.6M |
| Profitability Metrics | |||||
| EBITDA | 274.7M | 616.3M | 137.8M | 119.3M | 111.5M |
| D&A | 18.9M | — | 23.0M | 19.0M | 18.1M |
| EBIT | 255.8M | 616.3M | 114.7M | 100.3M | 93.4M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026