TFS Financial Corporation (TFSL) — Financial statements
Income statement, balance sheet, and cash flow for TFS Financial Corporation — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 792↑4.4% | 759↑19.8% | 633↑46.2% | 433↓2.6% | 445 | |
| Cost of Revenue | 473↑4.2% | 454↑38.9% | 327↑128.7% | 143↓3.9% | 149 | |
| Gross Profit | 319↑4.7% | 305↓0.6% | 306↑5.6% | 290↓1.9% | 296 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 119↓2.7% | 122↓3.1% | 126↑6.3% | 119↑0.6% | 118 | |
| Selling & Marketing Expenses | 19↓5.6% | 20↓22.0% | 25↑18.9% | 21↑10.9% | 19 | |
| SG&A Expenses | 138↓3.1% | 142↓6.2% | 152↑8.3% | 140↑2.1% | 137 | |
| Other Expenses | 67↑7.0% | 62↑1.1% | 62↑5.9% | 58↓0.9% | 59 | |
| Operating Expenses | 204↓0.0% | 204↓4.1% | 213↑7.6% | 198↑1.2% | 196 | |
| Total Costs & Expenses | 677↑2.9% | 658↑21.9% | 540↑58.3% | 341↓1.0% | 345 | |
| Operating Results | ||||||
| Operating Income | 115↑14.4% | 100↑7.4% | 93↑1.4% | 92↓8.0% | 100 | |
| Depreciation & Amortization | 23↑21.1% | 19↑5.1% | 18↓33.0% | 27↓17.0% | 33 | |
| EBITDA | 138↑15.4% | 119↑7.1% | 111↓6.4% | 119↓10.2% | 133 | |
| EBIT | 115↑14.4% | 100↑7.4% | 93↑1.4% | 92↓8.0% | 100 | |
| Interest & Other Income | ||||||
| Net Interest Income | 293↑5.1% | 278↓1.8% | 284↑6.0% | 267↑15.4% | 232 | |
| Interest Income | 763↑4.0% | 734↑20.0% | 612↑49.5% | 409↑5.1% | 389 | |
| Interest Expense | 470↑3.3% | 456↑38.8% | 328↑131.3% | 142↓10.0% | 158 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 115↑14.4% | 100↑7.4% | 93↑1.4% | 92↓8.0% | 100 | |
| Income Tax Expense | 24↑14.6% | 21↑14.4% | 18↑3.6% | 17↓8.4% | 19 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 91↑14.3% | 80↑5.8% | 75↑0.9% | 75↓8.0% | 81 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 91↑14.3% | 80↑5.8% | 75↑0.9% | 75↓8.0% | 81 | |
| Bottom-Line Net Income | 90↑14.5% | 78↑6.1% | 74↑0.9% | 73↓8.1% | 79 | |
| EPS (Basic) | 0.32↑14.3% | 0.28↑3.7% | 0.27↑3.8% | 0.26↓10.3% | 0.29 | |
| EPS (Diluted) | 0.32↑14.3% | 0.28↑7.7% | 0.26↑0.0% | 0.26↓10.3% | 0.29 | |
| Weighted Average Shares | 279↑0.2% | 278↑0.3% | 277↑0.0% | 277↑0.2% | 277 | |
| Weighted Average Diluted Shares | 280↑0.2% | 279↑0.2% | 279↓0.0% | 279↑0.0% | 279 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.