TFSL NASDAQ
TFS Financial Corporation
1W: +0.6%
1M: -1.9%
3M: -5.9%
YTD: +23.9%
1Y: +30.7%
3Y: +73.0%
5Y: +25.3%
$16.82
+0.38 (+2.31%)
Weekly Expected Move ±2.3%
$16
$16
$17
$17
$18
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Income Statement
Cash Flow
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Cash Flow Trends
Operating Cash Flow
$82M
-7.0% ▼
5Y CAGR: -7.5%
Capital Expenditures
$11M
-273.8% ▼
5Y CAGR: +29.0%
Free Cash Flow
$71M
-17.0% ▼
5Y CAGR: -9.8%
Dividends Paid
$60M
-1.0% ▼
Buybacks
$4M
-106.6% ▼
Net Change in Cash
-$34M
-1032.1% ▼
Cash Flow Composition
Year-over-Year Growth
View Full Cash Flow Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Operating Activities — | |||||
| Net Income | $81M | $75M | $75M | $80M | $91M |
| Depreciation & Amort. | $33M | $27M | $18M | $19M | $23M |
| Stock-Based Comp. | $14M | $11M | $10M | $10M | $10M |
| Change in Working Capital | $23M | -$14M | -$3M | $9M | -$12M |
| Other Non-Cash Items | -$52M | -$33M | -$14M | -$31M | -$30M |
| Operating Cash Flow | $83M | $39M | $91M | $89M | $82M |
| — Investing Activities — | |||||
| Capital Expenditures | -$1M | -$3M | -$5M | -$3M | -$11M |
| Acquisitions (Net) | $0 | $0 | $0 | $0 | $0 |
| Investment Purchases | -$297M | -$250M | -$145M | -$134M | -$160M |
| Investment Sales | $317M | $164M | $84M | $142M | $170M |
| Other Investing | $529M | -$1.8B | -$942M | -$130M | -$383M |
| Investing Cash Flow | $547M | -$1.9B | -$1.0B | -$125M | -$384M |
| — Financing Activities — | |||||
| Net Debt Issuance | -$430M | $585M | $689M | -$480M | $83M |
| Stock Repurchased | -$6M | -$6M | -$6M | -$2M | -$4M |
| Dividends Paid | -$57M | -$58M | -$58M | -$59M | -$60M |
| Other Financing | -$148M | $1.2B | $390M | $574M | $248M |
| Financing Cash Flow | -$640M | $1.7B | $1.0B | $33M | $267M |
| Net Change in Cash | -$10M | -$119M | $97M | -$3M | -$34M |
| Cash End of Period | $488M | $370M | $467M | $464M | $429M |
| Free Cash Flow | $82M | $36M | $86M | $86M | $71M |