Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 52.56 | 40.27 | 42.32 | 42.56 | 36.01 | 42.82 | 41.91 | 39.75 | 50.23 | 45.07 | 43.01 | 50.45 | 42.21 | 52.38 | 52.63 | 45.20 | 36.11 | 57.21 | 69.17 | 74.46 | 79.42 |
| — | -6.0% | +1.0% | +7.1% | -28.3% | -5.0% | -2.6% | -21.2% | +19.0% | -13.9% | -18.3% | +11.6% | +16.9% | -8.4% | -23.9% | -39.3% | -54.5% | -32.4% | +8.7% | +51.9% | +8.1% | |
| P/S Ratio | 14.67 | 15.25 | 11.53 | 11.32 | 10.78 | 11.04 | 10.95 | 11.73 | 11.96 | 11.67 | 11.36 | 13.59 | 10.92 | 11.73 | 11.79 | 12.49 | 11.33 | 12.42 | 16.93 | 18.88 | 20.11 |
| — | +38.2% | +5.3% | -3.5% | -9.8% | -5.4% | -3.6% | -13.7% | +9.5% | -0.6% | -3.6% | +8.8% | -3.6% | -5.5% | -30.4% | -33.8% | -43.7% | -41.6% | -11.5% | +23.6% | +32.5% | |
| P/B Ratio | 2.48 | 2.54 | 2.05 | 1.99 | 1.95 | 1.92 | 1.83 | 1.83 | 1.93 | 1.84 | 1.84 | 2.20 | 1.71 | 1.86 | 1.92 | 2.17 | 1.96 | 2.11 | 2.58 | 2.84 | 3.07 |
| — | +32.2% | +12.0% | +8.7% | +0.9% | +4.3% | -0.6% | -16.5% | +12.8% | -0.9% | -4.2% | +1.2% | -12.9% | -12.0% | -25.6% | -23.7% | -36.0% | -36.3% | -22.6% | -3.9% | +25.8% | |
| P/FCF | 66.47 | 42.74 | 73.42 | 16.60 | — | 36.19 | 60.68 | 19.55 | — | 9.19 | 65.39 | 28.76 | 64.51 | 27.20 | — | 13.05 | — | 99.54 | 35.46 | 168.93 | — |
| — | +18.1% | +21.0% | -15.1% | — | +294.0% | -7.2% | -32.0% | — | -66.2% | — | +120.3% | — | -72.7% | — | -92.3% | — | +443.0% | -51.9% | +226.2% | — | |
| EV / EBITDA | 66.69 | 80.12 | 63.29 | 59.82 | 52.73 | 60.68 | 59.35 | 57.43 | 70.97 | 64.63 | 64.86 | 70.06 | 72.08 | 80.83 | 84.81 | 66.39 | 54.01 | 68.96 | 74.66 | 70.79 | 82.62 |
| — | +32.0% | +6.6% | +4.2% | -25.7% | -6.1% | -8.5% | -18.0% | -1.5% | -20.0% | -23.5% | +5.5% | +33.5% | +17.2% | +13.6% | -6.2% | -34.6% | -4.8% | +42.3% | +44.5% | +22.9% | |
| EV / EBIT | 80.09 | 69.46 | 75.69 | 72.95 | 62.87 | 73.87 | 71.78 | 68.17 | 86.23 | 77.38 | 76.17 | 82.34 | 86.59 | 98.12 | 103.99 | 76.32 | 64.80 | 90.73 | 101.33 | 95.85 | 96.45 |
| — | -6.0% | +5.5% | +7.0% | -27.1% | -4.5% | -5.8% | -17.2% | -0.4% | -21.1% | -26.7% | +7.9% | +33.6% | +8.1% | +2.6% | -20.4% | -32.8% | -13.5% | +42.3% | +47.9% | -10.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.2% | 100.0% | 100.0% | 101.2% | 98.8% | 98.2% | 98.1% | 102.0% | 98.7% | 100.7% | 101.3% | 101.3% | 99.3% | 100.0% | 101.3% | 101.2% | 100.0% | 94.8% | 101.5% | 103.0% | 103.0% |
| — | +1.9% | +1.9% | -0.8% | +0.2% | -2.5% | -3.2% | +0.7% | -0.7% | +0.7% | -0.0% | +0.1% | -0.7% | +5.5% | -0.1% | -1.7% | -2.9% | -6.6% | -3.7% | +0.5% | +3.0% | |
| Operating Margin | 35.7% | 37.8% | 35.0% | 34.0% | 37.9% | 33.3% | 33.5% | 37.9% | 30.7% | 33.4% | 33.6% | 34.7% | 31.1% | 29.1% | 26.8% | 35.0% | 39.0% | 27.6% | 28.3% | 30.8% | 31.2% |
| — | +13.4% | +4.4% | -10.3% | +23.7% | -0.2% | -0.2% | +9.5% | -1.4% | +14.7% | +25.2% | -1.0% | -20.2% | +5.7% | -5.2% | +13.7% | +24.9% | -6.8% | -28.4% | -19.0% | +26.0% | |
| Net Margin | 28.3% | 37.5% | 27.3% | 26.6% | 30.4% | 26.2% | 26.6% | 30.0% | 24.2% | 26.4% | 26.9% | 27.5% | 25.9% | 23.6% | 21.3% | 27.6% | 31.8% | 22.3% | 23.2% | 24.5% | 25.7% |
| — | +43.1% | +2.6% | -11.2% | +25.5% | -0.8% | -1.1% | +9.1% | -6.4% | +12.0% | +26.0% | -0.6% | -18.6% | +5.9% | -8.0% | +13.0% | +23.6% | -7.3% | -25.3% | -21.5% | +27.5% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.8% | 1.6% | 1.2% | 1.2% | 1.4% | 1.1% | 1.1% | 1.2% | 1.0% | 1.0% | 1.1% | 1.1% | 1.0% | 0.9% | 0.9% | 1.2% | 1.4% | 1.0% | 0.9% | 0.9% | 1.0% |
| — | +38.5% | +10.2% | -1.1% | +42.6% | +8.9% | +0.5% | +8.8% | -5.9% | +10.3% | +27.1% | -9.2% | -26.3% | -0.4% | -3.3% | +29.7% | +40.7% | +1.5% | -34.8% | -38.3% | +21.1% | |
| ROA | 0.5% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% |
| — | +37.7% | +8.0% | -3.0% | +39.8% | +6.5% | +1.2% | +7.7% | -8.4% | +9.3% | +23.8% | -12.4% | -28.5% | -6.3% | -11.1% | +21.5% | +35.6% | +2.7% | -30.3% | -33.1% | +30.6% | |
| ROIC | 1.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +1.1% | +5.9% | -2.4% | +39.2% | +11.2% | +7.9% | +15.7% | +6.5% | +22.5% | +30.4% | -11.2% | -34.1% | -18.5% | -23.1% | +0.5% | +15.4% | -6.6% | -35.0% | -29.5% | +36.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.59 | 2.97 | 2.67 | 2.62 | 2.59 | 2.60 | 2.43 | 2.45 | 2.59 | 2.53 | 2.61 | 2.71 | 2.75 | 2.90 | 2.85 | 2.71 | 2.62 | 2.35 | 2.00 | 1.83 | 1.81 |
| — | +14.1% | +9.6% | +6.8% | -0.0% | +2.8% | -6.8% | -9.5% | -5.9% | -12.7% | -8.4% | -0.0% | +5.2% | +23.3% | +42.7% | +47.8% | +44.6% | +26.9% | +1.9% | -13.0% | -15.2% | |
| Debt / EBITDA | 35.57 | 173.28 | 143.67 | 143.35 | 126.70 | 147.53 | 143.83 | 139.34 | 172.14 | 160.42 | 163.77 | 164.75 | 188.02 | 207.18 | 213.12 | 155.15 | 129.04 | 152.74 | 136.58 | 116.88 | 130.08 |
| — | +17.5% | -0.1% | +2.9% | -26.4% | -8.0% | -12.2% | -15.4% | -8.4% | -22.6% | -23.2% | +6.2% | +45.7% | +35.6% | +56.0% | +32.7% | -0.8% | +37.2% | +62.7% | +34.8% | -3.0% | |
| Current Ratio | 0.05 | 0.01 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.10 | 0.10 | 0.11 | 0.12 | 0.11 | 0.11 | 0.11 | 0.10 | 0.11 | 0.10 | 0.09 | 0.09 | 0.10 | 0.10 |
| — | -83.0% | -7.6% | -50.3% | -49.2% | -52.2% | -53.3% | -11.5% | -5.5% | +4.5% | +12.8% | +8.6% | +13.0% | +15.7% | +12.6% | +9.9% | -7.0% | -15.2% | -22.7% | -9.7% | -2.6% | |
| Quick Ratio | 0.05 | 0.01 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.10 | 0.10 | 0.11 | 0.12 | 0.11 | 0.11 | 0.11 | 0.10 | 0.11 | 0.10 | 0.09 | 0.09 | 0.10 | 0.10 |
| — | -83.0% | -7.6% | -50.3% | -49.2% | -52.2% | -53.3% | -11.5% | -5.5% | +4.5% | +12.8% | +8.6% | +13.0% | +15.7% | +12.6% | +9.9% | -7.0% | -15.2% | -22.7% | -9.7% | -2.6% | |
| Interest Coverage | 0.24 | 0.32 | 0.25 | 0.23 | 0.27 | 0.23 | 0.23 | 0.24 | 0.19 | 0.22 | 0.23 | 0.24 | 0.24 | 0.25 | 0.26 | 0.44 | 0.68 | 0.67 | 0.63 | 0.59 | 0.56 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying TFSL stock.
TFS Financial Corporation's current P/E is 52.6x. The average P/E over the last 4 quarters is 40.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
TFS Financial Corporation's current operating margin is 35.7%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking TFS Financial Corporation's business trajectory between earnings reports.