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 cash flow to debt ratio of TFS Financial Corporation to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see TFS Financial Corporation (TFSL) cash conversion ratio.
Annual Cash Flow Quality Index for TFS Financial Corporation (2004–2025)
Year-by-year earnings quality comparison for TFS Financial Corporation.
| 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 | — |