TFS Financial Corporation (TFSL) Earnings History
Profitable21 years of earnings data (2005–2025) · Positive TTM net income
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TFS Financial Corporation (TFSL) Earnings Overview
As of October 3, 2026, TFS Financial Corporation (TFSL) reported trailing twelve-month net income of $102M, reflecting +14.3% year-over-year growth. The company earned $0.36 per diluted share over the past four quarters, with a net profit margin of 28.3%.
Looking at the long-term picture, TFSL's 5-year EPS compound annual growth rate (CAGR) stands at +1.3%, reflecting modest earnings expansion. The company achieved its highest annual net income of $91M in fiscal 2025, representing a new all-time high.
TFS Financial Corporation maintains industry-leading profitability with a gross margin of 99.2%, operating margin of 35.7%, and net margin of 28.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including WAFD ($252M net income, 16.0% margin), HOMB ($478M net income, 34.6% margin), FMAO ($40M net income, 17.6% margin), TFSL has outperformed on profitability metrics. Compare TFSL vs WAFD →
TFSL Earnings vs Peers
Earnings metrics vs comparable public companies
TFSL Historical Earnings Data (2005–2025)
21 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $91M | +14.3% | $115M | $0.32 | 28.3% | 35.7% |
| 2024 | $80M | +5.8% | $100M | $0.28 | 26.3% | 33.1% |
| 2023 | $75M | +0.9% | $93M | $0.26 | 24.7% | 30.6% |
| 2022 | $75M | -8.0% | $92M | $0.26 | 25.6% | 31.6% |
| 2021 | $81M | -2.8% | $100M | $0.29 | 28.2% | 34.9% |
| 2020 | $83M | +3.8% | $100M | $0.30 | 28.2% | 33.9% |
| 2019 | $80M | -6.1% | $102M | $0.28 | 28.1% | 35.8% |
| 2018 | $85M | -3.9% | $121M | $0.31 | 28.2% | 40.1% |
| 2017 | $89M | +10.3% | $133M | $0.32 | 29.8% | 44.6% |
| 2016 | $81M | +11.0% | $122M | $0.28 | 27.3% | 41.4% |
| 2015 | $73M | +10.2% | $109M | $0.25 | 24.7% | 37.2% |
| 2014 | $66M | +17.7% | $99M | $0.22 | 22.5% | 33.7% |
| 2013 | $56M | +387.5% | $82M | $0.18 | 18.8% | 27.7% |
| 2012 | $11M | +22.9% | $14M | $0.04 | 4.0% | 4.7% |
| 2011 | $9M | -17.6% | $12M | $0.03 | 3.4% | 4.3% |
| 2010 | $11M | -21.2% | $18M | $0.04 | 4.0% | 6.4% |
| 2009 | $14M | -73.6% | $20M | $0.05 | 4.8% | 6.7% |
| 2008 | $54M | +112.8% | $82M | $0.17 | 20.9% | 31.4% |
| 2007 | $26M | -41.2% | $44M | $0.10 | 10.5% | 17.9% |
| 2006 | $44M | -32.5% | $62M | $0.19 | 22.9% | 32.4% |
| 2005 | $65M | - | $97M | $0.22 | 28.5% | 42.9% |
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TFSL — Frequently Asked Questions
Quick answers to the most common questions about buying TFSL stock.
What is TFSL earnings per share (EPS)?
TFSL trailing twelve-month (TTM) diluted EPS is $0.36, reflecting +14.3% year-over-year growth. The 5-year EPS CAGR is +1.3%. Complete EPS history from 2005 to 2025 is available in the table on this page.
What is TFS Financial Corporation's net income?
TFS Financial Corporation (TFSL) trailing twelve-month net income is $102M as of 2025. Earnings grew +14.3% year-over-year. TFS Financial Corporation has been profitable for 21 consecutive years.
Is TFSL profitable?
Yes, TFSL is profitable with a TTM net income of $102M and a net profit margin of +28.3%. TFS Financial Corporation has generated profits for 21 consecutive years.
What is TFSL's earnings growth rate?
TFSL compound annual EPS growth rates (CAGR): 1-Year: +14.3%, 3-Year: +7.2%, 5-Year: +1.3%, 10-Year: +2.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2005 to 2025.
What are TFSL's profit margins?
TFS Financial Corporation net profit margin is +28.3%, operating margin is +35.7%, and gross margin is +99.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +4.8%.
Is TFSL growing earnings?
TFSL is growing earnings steadily. YoY EPS growth of +14.3% is consistent with the 5-year CAGR of +1.3%. TTM net income is $102M.
What was TFSL's best earnings year?
TFS Financial Corporation's highest annual net income on record is $91M, achieved in fiscal year 2025. Earnings history on this page spans 2005 to 2025 and includes all annual and quarterly figures.
What were TFSL's earnings last quarter?
TFSL's most recent reported quarter was Q3 2026. Net income was $31M with diluted EPS of $0.11. For a full breakdown of all quarters, see the quarterly earnings table on this page.