TFS Financial Corporation (TFSL) — Cash Flow Quality Index
TFS Financial Corporation (TFSL) has a Cash Flow Quality Index of 2.64x as of December 2025. Operating cash flow of $58.75 Million exceeds net income of $22.27 Million, indicating high earnings quality where cash backs reported profits. Explore TFSL long-term investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
TFS Financial Corporation Cash Flow Quality Index (2004–2025)
Historical Cash Flow Quality Index for TFS Financial Corporation across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check TFSL tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for TFS Financial Corporation (2004–2025)
Year-by-year earnings quality comparison for TFS Financial Corporation. For live market cap and the full company financial profile, see TFSL market cap overview.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.91x | $82.42 Million | $90.96 Million | ▼ -18.6% |
| 2024 | 1.11x | $88.60 Million | $79.59 Million | ▲ +79.9% |
| 2023 | 0.62x | $46.57 Million | $75.25 Million | ▲ +18.5% |
| 2022 | 0.52x | $38.93 Million | $74.56 Million | ▼ -49.1% |
| 2021 | 1.03x | $83.16 Million | $81.01 Million | ▼ -29.8% |
| 2020 | 1.46x | $121.80 Million | $83.32 Million | ▲ +13.9% |
| 2019 | 1.28x | $103.00 Million | $80.24 Million | ▲ +19.0% |
| 2018 | 1.08x | $92.11 Million | $85.41 Million | ▼ -5.2% |
| 2017 | 1.14x | $101.17 Million | $88.88 Million | ▲ +8.0% |
| 2016 | 1.05x | $84.91 Million | $80.55 Million | ▼ -25.1% |
| 2015 | 1.41x | $102.10 Million | $72.59 Million | ▼ -10.5% |
| 2014 | 1.57x | $103.51 Million | $65.89 Million | ▼ -37.6% |
| 2013 | 2.52x | $140.81 Million | $55.96 Million | ▼ -81.4% |
| 2012 | 13.56x | $155.63 Million | $11.48 Million | ▼ -6.6% |
| 2011 | 14.51x | $135.57 Million | $9.34 Million | ▲ +41.2% |
| 2010 | 10.28x | $116.52 Million | $11.34 Million | ▼ -45.6% |
| 2009 | 18.90x | $272.02 Million | $14.39 Million | ▲ +3450.2% |
| 2008 | 0.53x | $29.00 Million | $54.49 Million | ▼ -95.0% |
| 2007 | 10.68x | $273.44 Million | $25.61 Million | ▲ +30.5% |
| 2006 | 8.18x | $356.15 Million | $43.54 Million | ▲ +651.3% |
| 2005 | -1.48x | $-95.72 Million | $64.51 Million | ▼ -53.6% |
| 2004 | -0.97x | $-53.59 Million | $55.47 Million | — |