TFS Financial (TFSL)
Originates and services residential mortgages while gathering retail savings deposits through Third Federal.
$16.67
vs last close−0.03 (−0.18%)
In millions of USD, except per-share figures
| In millions | Q4 FY23Sep 2023 | Q1 FY24Dec 2023 | Q2 FY24Mar 2024 | Q3 FY24Jun 2024 | Q4 FY24Sep 2024 | Q1 FY25Dec 2024 | Q2 FY25Mar 2025 | Q3 FY25Jun 2025 | Q4 FY25Sep 2025 | Q1 FY26Dec 2025 | Q2 FY26Mar 2026 | Q3 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 174 | 183 | 189 | 191 | 195 | 193 | 193 | 198 | 207 | 206 | 203 | 202 |
| Cost of revenue | 99 | 107 | 111 | 115 | 121 | 117 | 115 | 118 | 123 | 121 | 118 | 121 |
| Gross profit | 75 | 76 | 78 | 76 | 74 | 76 | 78 | 81 | 84 | 85 | 85 | 81 |
| 51 | 50 | 52 | 51 | 51 | 48 | 51 | 53 | 52 | 56 | 55 | 51 | |
| 36 | 35 | 37 | 35 | 39 | 37 | 40 | 37 | 24 | 38 | 38 | 58 | |
| Selling & marketing | 4 | 4 | 5 | 5 | 5 | 4 | 5 | 6 | 5 | 6 | 4 | 4 |
| General & administrative | 32 | 31 | 32 | 30 | 33 | 33 | 35 | 31 | 19 | 32 | 34 | 54 |
| Other expenses | 15 | 15 | 16 | 16 | 12 | 11 | 11 | 16 | 28 | 18 | 18 | −8 |
| Operating income | 23 | 26 | 26 | 25 | 23 | 28 | 27 | 27 | 32 | 28 | 30 | 31 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8 | |
| Interest income | 169 | 177 | 183 | 185 | 189 | 187 | 186 | 191 | 199 | 198 | 195 | 202 |
| Interest expense | 98 | 108 | 112 | 116 | 120 | 118 | 114 | 116 | 122 | 122 | 118 | 121 |
| Other non-operating income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −8 |
| Income before tax | 23 | 26 | 26 | 25 | 23 | 28 | 27 | 27 | 32 | 28 | 30 | 39 |
| Income tax expense | 4 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 7 | 8 |
| Net income from continuing operations | 20 | 21 | 21 | 20 | 18 | 22 | 21 | 22 | 26 | 22 | 23 | 31 |
| Net income | 20 | 21 | 21 | 20 | 18 | 22 | 21 | 22 | 26 | 22 | 23 | 31 |
| EPS, basic | $0.07 | $0.07 | $0.07 | $0.07 | $0.06 | $0.08 | $0.07 | $0.08 | $0.09 | $0.08 | $0.08 | $0.11 |
| EPS, diluted | $0.07 | $0.07 | $0.07 | $0.07 | $0.06 | $0.08 | $0.07 | $0.08 | $0.09 | $0.08 | $0.08 | $0.11 |
| Weighted average shares, basic | 278 | 278 | 278 | 278 | 278 | 279 | 279 | 279 | 279 | 279 | 279 | 279 |
| Weighted average shares, diluted | 279 | 279 | 279 | 279 | 279 | 280 | 280 | 280 | 280 | 283 | 280 | 280 |
| EBITDA | 28 | 31 | 30 | 30 | 28 | 34 | 32 | 33 | 39 | 35 | 36 | 41 |
| Depreciation & amortization | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 3 |
| EBIT | 23 | 26 | 26 | 25 | 23 | 28 | 27 | 27 | 32 | 28 | 30 | 39 |