TFS Financial Corporation (TFSL) — Defensive Interval Ratio
TFS Financial Corporation (TFSL) has a Defensive Interval Ratio of 4 days as of September 2025. Defensive assets of $116.60 Million (cash $-, short-term investments $54.05 Million, receivables $62.55 Million) cover 4 days of daily cash needs of $28.62 Million/day. See TFSL working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
TFS Financial Corporation Defensive Interval Ratio (2005–2025)
This chart shows how TFS Financial Corporation's Defensive Interval Ratio has evolved across 21 annual periods from 2005 to 2025. As of September 2025, the ratio stands at 4 days, meaning defensive assets of $116.60 Million can fund 4 days of operations without new revenue. See TFS Financial Corporation (TFSL) net asset quality to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for TFS Financial Corporation (2005–2025)
The table below presents the year-by-year Defensive Interval Ratio for TFS Financial Corporation from 2005 to 2025, covering 21 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see market cap of TFS Financial Corporation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 4 days | $116.60 Million | $28.62 Million/day | $- | $54.05 Million | ▼ -17 days |
| 2024 | 21 days | $585.65 Million | $27.93 Million/day | $- | $526.25 Million | ▼ -1 days |
| 2023 | 22 days | $562.23 Million | $25.89 Million/day | $- | $508.32 Million | ▲ +2 days |
| 2022 | 20 days | $498.16 Million | $24.67 Million/day | $- | $457.91 Million | ▲ +2 days |
| 2021 | 18 days | $452.89 Million | $24.88 Million/day | $- | $421.78 Million | ▼ -1 days |
| 2020 | 19 days | $490.07 Million | $25.46 Million/day | $- | $453.44 Million | ▼ -5 days |
| 2019 | 24 days | $588.69 Million | $24.13 Million/day | $- | $547.86 Million | ▼ 0 days |
| 2018 | 24 days | $570.66 Million | $23.35 Million/day | $- | $531.97 Million | ▼ -1 days |
| 2017 | 26 days | $572.96 Million | $22.45 Million/day | $- | $537.48 Million | ▲ +2 days |
| 2016 | 24 days | $550.68 Million | $22.97 Million/day | $- | $517.87 Million | ▼ -3 days |
| 2015 | 27 days | $617.54 Million | $22.84 Million/day | $- | $585.05 Million | ▲ +2 days |
| 2014 | 25 days | $600.82 Million | $23.82 Million/day | $- | $568.87 Million | ▲ +3 days |
| 2013 | 22 days | $508.87 Million | $23.30 Million/day | $- | $477.38 Million | ▲ +3 days |
| 2012 | 18 days | $456.32 Million | $24.73 Million/day | $- | $421.43 Million | ▲ +16 days |
| 2011 | 2 days | $51.75 Million | $24.02 Million/day | $- | $15.90 Million | ▲ +1 days |
| 2010 | 2 days | $38.19 Million | $24.43 Million/day | $- | $1.91 Million | ▼ 0 days |
| 2009 | 2 days | $40.37 Million | $23.64 Million/day | $- | $2.00 Million | ▼ 0 days |
| 2008 | 2 days | $48.39 Million | $22.78 Million/day | $- | $2.02 Million | ▼ 0 days |
| 2007 | 2 days | $50.35 Million | $22.30 Million/day | $- | $1.99 Million | ▼ -10 days |
| 2006 | 12 days | $252.90 Million | $20.28 Million/day | $- | $210.91 Million | ▲ +6 days |
| 2005 | 7 days | $125.83 Million | $19.33 Million/day | $- | $87.45 Million | — |