SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
TFS Financial Corporation (TFSL) trades at a trailing P/E of 44.9, forward P/E of 44.3. Trailing earnings yield is 2.22%, forward earnings yield 2.26%. PEG 3.14. Graham Number is $7.07.
Criteria proven by this page:
- VALUE (39/100, Fail) — trailing P/E is well above the S&P 500 average of ~25, suggesting a premium valuation (P/E 44.9); PEG > 2.0 means the stock is expensive even after accounting for growth (PEG 3.14).
- Forward P/E 44.3 (down from trailing 44.9) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 3.14 — above 2.0 suggests expensive relative to earnings growth.
- Trailing Earnings Yield 2.22% — below bond yields — investors are paying a premium for expected growth rather than current earnings. Forward yield improves to 2.26% as earnings recover.
- Analyst consensus target $15.00 (+2.6% upside) — modest upside expected.
Overall SharesGrow Score: 51/100 with 2/7 criteria passed.
SharesGrow 7-Criteria Score
✗
VALUE
39/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
0/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — TFSL
Valuation Multiples
P/E (TTM)44.9
Forward P/E44.3
PEG Ratio3.14
Forward PEG14.29
P/B Ratio2.15
P/S Ratio5.11
EV/EBITDA65.1
Per Share Data
EPS (TTM)$0.33
Forward EPS (Est.)$0.33
Book Value / Share$6.82
Revenue / Share$2.89
FCF / Share$0.30
Yields & Fair Value
Earnings Yield2.22%
Forward Earnings Yield2.26%
Dividend Yield7.72%
Graham Number$7.07
SharesGrow IV$6.32 (-56.8%)
Analyst Target$15.00 (+2.6%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
62.3 |
5.19 |
3.02 |
12.13 |
0.47% |
| 2017 |
50.3 |
3.52 |
2.65 |
10.43 |
0.62% |
| 2018 |
47.7 |
-15.26 |
2.32 |
8.77 |
0.92% |
| 2019 |
61.8 |
-9.59 |
2.92 |
9.87 |
1.02% |
| 2020 |
48.6 |
14.11 |
2.42 |
7.97 |
1.37% |
| 2021 |
65.1 |
-19.53 |
3.04 |
11.86 |
1.07% |
| 2022 |
48.4 |
-4.67 |
1.96 |
8.32 |
1.62% |
| 2023 |
43.6 |
11.33 |
1.70 |
5.18 |
1.78% |
| 2024 |
44.9 |
12.14 |
1.92 |
4.71 |
1.65% |
| 2025 |
40.4 |
2.83 |
1.94 |
4.64 |
1.62% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$0.28 |
$413.39M |
$80.55M |
19.5% |
| 2017 |
$0.32 |
$428.84M |
$88.88M |
20.7% |
| 2018 |
$0.31 |
$464.58M |
$85.41M |
18.4% |
| 2019 |
$0.28 |
$502.55M |
$80.24M |
16% |
| 2020 |
$0.30 |
$508.55M |
$83.32M |
16.4% |
| 2021 |
$0.29 |
$444.65M |
$81.01M |
18.2% |
| 2022 |
$0.26 |
$433.14M |
$74.57M |
17.2% |
| 2023 |
$0.26 |
$633.35M |
$75.25M |
11.9% |
| 2024 |
$0.28 |
$758.78M |
$79.59M |
10.5% |
| 2025 |
$0.32 |
$791.96M |
$90.96M |
11.5% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$0.33 |
$0.33 – $0.33 |
$341.37M |
$340.84M – $341.89M |
1 |
| 2027 |
$0.36 |
$0.35 – $0.36 |
$359.17M |
$358.62M – $359.73M |
1 |
