TFS Financial Corporation (TFSL) Earnings History
Annual and quarterly earnings data from 2005 to 2025
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TFSL EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
TFSL Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 40.3% | 14.5% | 11.5% |
| 2024 | 40.2% | 13.2% | 10.5% |
| 2023 | 48.4% | 14.7% | 11.9% |
| 2022 | 67.0% | 21.3% | 17.2% |
| 2021 | 66.6% | 22.5% | 18.2% |
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TFS Financial Corporation (TFSL) Earnings Overview
As of May 8, 2026, TFS Financial Corporation (TFSL) reported trailing twelve-month net income of $91M, reflecting +14.3% year-over-year growth. The company earned $0.32 per diluted share over the past four quarters, with a net profit margin of 11.5%.
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 positive profitability with a gross margin of 40.3%, operating margin of 14.5%, and net margin of 11.5%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including WAFD ($243M net income, 16.0% margin), HOMB ($458M net income, 27.7% margin), FMAO ($33M net income, 17.6% margin), TFSL has room to improve margins relative to the peer group. 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 | 11.5% | 14.5% |
| 2024 | $80M | +5.8% | $100M | $0.28 | 10.5% | 13.2% |
| 2023 | $75M | +0.9% | $93M | $0.26 | 11.9% | 14.7% |
| 2022 | $75M | -8.0% | $92M | $0.26 | 17.2% | 21.3% |
| 2021 | $81M | -2.8% | $100M | $0.29 | 18.2% | 22.5% |
| 2020 | $83M | +3.8% | $100M | $0.30 | 16.4% | 19.7% |
| 2019 | $80M | -6.1% | $102M | $0.28 | 16.0% | 20.3% |
| 2018 | $85M | -3.9% | $121M | $0.31 | 18.4% | 26.1% |
| 2017 | $89M | +10.3% | $133M | $0.32 | 20.7% | 31.1% |
| 2016 | $81M | +11.0% | $122M | $0.28 | 19.5% | 29.6% |
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Start ComparisonTFSL — Frequently Asked Questions
Quick answers to the most common questions about buying TFSL stock.
Is TFSL growing earnings?
TFSL EPS stands at $0.32, with +14.3% growth matching the 5-year CAGR of +1.3%. TTM net income is $91M. Earnings trajectory remains consistent.
What are TFSL's profit margins?
TFS Financial Corporation net margin is +11.5%, with operating margin at +14.5%. Margins sit within typical range for the sector.
How consistent are TFSL's earnings?
TFSL earnings data spans 2005-2025. The current earnings trend is +14.3% YoY. Historical data enables comparison across business cycles.