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 June 28, 2026, TFS Financial Corporation (TFSL) reported trailing twelve-month net income of $93M, reflecting +14.3% year-over-year growth. The company earned $0.33 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 ($252M net income, 16.0% margin), HOMB ($478M net income, 34.6% margin), FMAO ($36M 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% |
| 2015 | $73M | +10.2% | $109M | $0.25 | 17.8% | 26.8% |
| 2014 | $66M | +17.7% | $99M | $0.22 | 16.6% | 24.9% |
| 2013 | $56M | +387.5% | $82M | $0.18 | 13.6% | 20.0% |
| 2012 | $11M | +22.9% | $14M | $0.04 | 2.6% | 3.1% |
| 2011 | $9M | -17.6% | $12M | $0.03 | 2.0% | 2.6% |
| 2010 | $11M | -21.2% | $18M | $0.04 | 2.3% | 3.7% |
| 2009 | $14M | -73.6% | $20M | $0.05 | 2.6% | 3.6% |
| 2008 | $54M | +112.8% | $82M | $0.17 | 9.2% | 13.7% |
| 2007 | $26M | -41.2% | $44M | $0.10 | 4.3% | 7.4% |
| 2006 | $44M | -32.5% | $62M | $0.19 | 9.1% | 12.9% |
| 2005 | $65M | - | $97M | $0.22 | 14.2% | 21.4% |
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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 $0.33, 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 $93M 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 $93M and a net profit margin of +11.5%. 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 +11.5%, operating margin is +14.5%, and gross margin is +40.3%. Margins are within a typical range for the sector. 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 $93M.
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 Q2 2026. Net income was $23M with diluted EPS of $0.08. For a full breakdown of all quarters, see the quarterly earnings table on this page.