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TFS FinancialTFSL -1.70%62 Cash-to-Debt is 0.01 as of Jun. 2026, which is 89% below its 10-year median of 0.09. GuruFocus rates TFSL with a GF Score™ of 62/100 and a GF Value™ of $15.02 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,492 Banks companies, TFS Financial ranks worse than 93.5% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. TFS Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.01.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, TFS Financialcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for TFS Financial's Cash-to-Debt or its related term are showing as below:
TFSL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.09 Max: 0.2
Current: 0.1
During the past 13 years, TFS Financial's highest Cash to Debt Ratio was 0.20. The lowest was 0.07. And the median was 0.09.
TFSL's Cash-to-Debt is ranked worse than 93.5% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs TFSL: 0.10
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
TFS Financial Cash-to-Debt Related Terms
TFS Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for TFS Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, TFS Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
TFS Financial Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where TFS Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TFS Financial (TFSL) has a Cash-to-Debt of 0.01 as of Jun. 2026. This is 89% below median its historical median of 0.09. Over the past decade, TFS Financial's Cash-to-Debt has ranged from 0.07 to 0.20. According to the industry distribution chart, TFS Financial ranks #1395 out of 1492 companies in the Banks industry, placing it in the top 93.5%.
Is TFS Financial's Cash-to-Debt too high?
TFS Financial's current Cash-to-Debt of 0.01 is 89% below median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.20. The Banks industry median Cash-to-Debt is 1.37. TFS Financial's value of 0.01 is 99.3% below this industry median. Based on the distribution chart, TFS Financial ranks #1395 out of 1492 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, TFS Financial has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does TFS Financial's Cash-to-Debt compare to FFIN and EBC?
According to the Banks industry distribution chart, TFS Financial ranks #1395 out of 1492 companies for Cash-to-Debt. This places TFS Financial in the lower half of its industry. The industry median Cash-to-Debt is 1.37. TFS Financial's value of 0.01 is 99.3% below this benchmark. Historically, TFS Financial's own Cash-to-Debt has ranged from 0.07 to 0.20 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 1.37, TFS Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current Cash-to-Debt of 0.01 is 99.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current Cash-to-Debt is 0.01, which is 89% below median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TFS Financial stock overvalued right now?
Based on GuruFocus' analysis, TFS Financial (TFSL) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.02, compared to a current price of $16.79 — trading 11.8% above its estimated fair value. The current Cash-to-Debt is 0.01, which is 89% below median its 10-year median of 0.09 and 99.3% below the Banks industry median of 1.37. TFS Financial's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For TFS Financial (TFSL), the current Cash-to-Debt is 0.01 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is TFS Financial (TFSL) Overvalued in 2026?
Based on GuruFocus' analysis, TFS Financial stock appears to be overvalued.
The current stock price of $16.79 is trading 11.8% above its estimated GF Value™ of $15.02.
GuruFocus considers TFS Financial to be Modestly Overvalued.
Key valuation signals for TFSL:
Cash-to-Debt: 0.01 (89% below median its 10-year median of 0.09)
GF Value™: $15.02 vs. price of $16.79 (11.8% above fair value)
Industry Position: 99.3% below the Banks median (#1395 of 1492)
No single metric tells the full story. See the TFSL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TFS Financial Corp is the holding company for the Third Federal Savings and Loan Association of Cleveland. The company's ownership in the savings and loan association is its primary business activity. The association's principal business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits. It does so by offering products with competitive rates and yields. The company also operates Third Capital, a wholly owned subsidiary that serves as a holding company or as an investor in vehicles such as private equity funds. Third Capital has interests in lease transactions of commercial buildings, title agencies providing escrow and settlement services, and reinsurance of private mortgage insurance on residential loans.
62GF Score
Get the complete analysis for TFSL
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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