Weak across most dimensions. This doesn't mean avoid, but the burden of proof is on the bull case.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Above 30x, priced for sustained outperformance
2.4x book, moderate premium to equity
Below 2%, book value not compounding
Business Quality & Capital Allocation
Mild dilution under 2%
5–10%, adequate but not exceptional
10.8% equity/assets, comfortable cushion
TFS Financial (TFSL) quality: score, margins and returns
TFS Financial (TFSL) scores 36/100 on Intrinsiqq's quality score (a lower-quality business), a weighted blend of 6 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is TFS Financial (TFSL) a high-quality business?+
TFS Financial scores 36 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which rates it a lower-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does TFS Financial's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from TFSL's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where TFS Financial scores well and where it falls behind.
SourceQuality score computed from the 10-Q filed 4 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 26 Sept 2026. How this is calculated.
Fiscal year ends Sep. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
Savings Institution, Federally Chartered · Pick stocks to compare with TFSL
Held by ETFs
TFSL is in 43 US ETFs. The largest of them, with TFSL's weight in each:
Spot a number that looks wrong? Check it in TFSL's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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