Definitive Analysis
Definitive Analysis

Financial Statements

Analysis Mode

Ticker / Industry / Sector

TFS Financial Corporation (TFSL)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$8.50 - $26.60$13.64
Multi-Stage$6.44 - $7.03$6.73
Blended Fair Value$10.19
Current Price$13.18
Upside-22.72%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2025202420232022202120202019201820172016
DPS1.43%11.81%0.210.210.210.210.200.200.180.130.100.08
YoY Growth--0.98%1.13%-0.01%2.93%2.11%9.91%34.11%35.80%18.34%20.13%
Dividend Yield--1.61%1.68%1.42%1.45%1.13%1.12%0.92%0.83%0.66%0.44%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)90.96
(-) Cash Dividends Paid (M)59.53
(=) Cash Retained (M)31.43
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)18.1911.376.82
Cash Retained (M)31.4331.4331.43
(-) Cash Required (M)-18.19-11.37-6.82
(=) Excess Retained (M)13.2320.0624.60
(/) Shares Outstanding (M)279.69279.69279.69
(=) Excess Retained per Share0.050.070.09
LTM Dividend per Share0.210.210.21
(+) Excess Retained per Share0.050.070.09
(=) Adjusted Dividend0.260.280.30
WACC / Discount Rate8.07%8.07%8.07%
Growth Rate4.86%5.86%6.86%
Fair Value$8.50$13.64$26.60
Upside / Downside-35.49%3.49%101.82%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)90.9696.29101.94107.92114.25120.95124.57
Payout Ratio65.45%70.36%75.27%80.18%85.09%90.00%92.50%
Projected Dividends (M)59.5367.7576.7386.5397.21108.85115.23

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.07%8.07%8.07%
Growth Rate4.86%5.86%6.86%
Year 1 PV (M)62.1062.6963.28
Year 2 PV (M)64.4665.7066.94
Year 3 PV (M)66.6368.5570.51
Year 4 PV (M)68.6171.2673.99
Year 5 PV (M)70.4173.8377.39
PV of Terminal Value (M)1,469.391,540.801,614.96
Equity Value (M)1,801.591,882.831,967.08
Shares Outstanding (M)279.69279.69279.69
Fair Value$6.44$6.73$7.03
Upside / Downside-51.13%-48.92%-46.64%

High-Yield Dividend Screener

« Prev Page 32 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
603551.SSAUPU Intelligent Technology Corporation Limited4.75%$0.5570.57%
ABCB4.SABanco ABC Brasil S.A.4.75%$1.1227.47%
ASSA.JKPT Adi Sarana Armada Tbk4.75%$55.3753.84%
CHMF.MEPJSC Severstal4.75%$45.6947.39%
LMN.SWlastminute.com N.V.4.75%$0.6239.82%
LREN3.SALojas Renner S.A.4.75%$0.6445.84%
POT.NZPort of Tauranga Limited4.75%$0.3793.98%
005720.KSNexen Corporation4.74%$283.1621.67%
0DTK.LSavencia S.A.4.74%$2.9720.78%
1368.HKXtep International Holdings Limited4.74%$0.2535.82%
3030.SRSaudi Cement Company4.74%$1.6459.10%
EGIE3.SAEngie Brasil Energia S.A.4.74%$1.4839.71%
3570.TWOOtsuka Information Technology Corp.4.73%$7.9755.25%
600096.SSYunnan Yuntianhua Co., Ltd.4.73%$1.5851.07%
CHE-UN.TOChemtrade Logistics Income Fund4.73%$0.7071.01%
GVHGlobavend Holdings Limited4.73%$0.0761.06%
MOUR.BRMoury Construct S.A.4.73%$27.3520.85%
1578.HKBank of Tianjin Co., Ltd.4.72%$0.1210.90%
601598.SSSinotrans Limited4.72%$0.2956.81%
6393.TYuken Kogyo Co., Ltd.4.72%$152.0845.60%
7278.TEXEDY Corporation4.72%$264.7876.11%
SHURB.XDShurgard Self Storage Ltd4.72%$1.3821.77%
TDThe Toronto-Dominion Bank4.72%$4.4637.31%
0QLW.LALSO Holding AG4.71%$10.0755.86%
111110.KSHojeon Limited4.71%$377.8120.16%
3413.TWFoxsemicon Integrated Technology Inc.4.71%$13.2962.47%
BVG.BKBlueVenture Group Public Company Limited4.71%$0.0858.67%
DUNI.STDuni AB (publ)4.71%$5.0071.87%
002810.KSSamyung Trading Co., Ltd.4.70%$746.8222.45%
013520.KSHwaseung Corporation Co.,Ltd.4.70%$101.2413.31%
2S.BK2S Metal Public Company Limited4.70%$0.1176.54%
COLOR.BKSalee Colour Public Company Limited4.70%$0.0565.65%
GJTL.JKPT. Gajah Tunggal Tbk4.70%$49.8216.37%
JHSF3.SAJHSF Participações S.A.4.70%$0.3719.33%
0QLN.LTecan Group AG4.69%$6.0146.42%
2891.TWCTBC Financial Holding Co., Ltd.4.69%$2.3963.03%
9536.SRArabian Food & Dairy Factories Company4.69%$2.7742.88%
KAMART.BKKarmarts Public Company Limited4.69%$0.4280.09%
SNW.DESanofi4.69%$3.8751.33%
WWL.WAWawel S.A.4.69%$35.0061.86%
603299.SSJiang Su Suyan Jingshen Co.,Ltd.4.68%$0.4972.35%
001790.KSTS Corporation4.67%$129.8523.71%
6049.HKPoly Property Services Co., Ltd.4.67%$1.5127.86%
ABRD.MEPJSC Abrau-Durso4.67%$7.7335.43%
CURY3.SACury Construtora e Incorporadora S.A.4.67%$1.4749.28%
INCI.JKPT Intanwijaya Internasional Tbk4.67%$34.7631.60%
NTGY.MCNaturgy Energy Group, S.A.4.67%$1.2057.49%
1015.KLAMMB Holdings Berhad4.66%$0.3048.65%
1686.HKSUNeVision Holdings Ltd.4.66%$0.2247.87%
1834.SRSaudi Manpower Solutions Co.4.66%$0.2581.73%