What is TFS Financial's free cash flow margin?

TFS Financial (TFSL) reported free cash flow margin of 52% in Q2 2024.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

TFS Financial TFSL Free cash flow margin

Free cash flow margin at other companies

Huntington BancsharesHBAN

24.4%+0.6pp

KeyCorpKEY

28.4%—

Axos FinancialAX

31.5%+3.2pp

HOM

Home BancSharesHOMB

37%-0.5pp

F.N.B. CorporationFNB

25.8%+2.3pp

Eastern Bankshares, Inc.EBC

33.5%-20.7pp

Other financials

Income statement

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Revenue$85.2M+7.7%

Net income$23.2M+10.6%

EPS (diluted)$0.08+14.3%

Balance sheet

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Cash & equivalents$437.3M-5.7%

Total debt$1.7B+61.1%

Total equity$1.9B+1.4%

Total assets$17.5B+2.2%

Cash flow

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Operating cash flow$17.6M-16.9%

CapEx$4.2M-38.9%

Free cash flow$13.4M-6.2%

Valuation

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Market cap$4.6B+13.3%

Enterprise value$5.84B+27.7%

P/E49.5×-0.3×

P/S13.7×+0.3×

Profitability

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Net margin27.6%+0.9pp

Returns & leverage

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Return on equity4.9%+0.6pp

Debt / equity0.9×+0.3×

Where this comes from

Calculated from TFS Financial’s reported figures.

free cash flow/total revenue=52%

Based on trailing twelve months.

The official record: TFS Financial’s 10-Q, filed August 7, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is TFS Financial's free cash flow margin?: TFS Financial (TFSL) reported free cash flow margin of 52% in Q2 2024.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.