Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. TFS Financial's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $470.7 Mil. TFS Financial's average total debt for the quarter that ended in Mar. 2026 was $5,076.8 Mil. Therefore, TFS Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 9.27%.
TFS Financial (NAS:TFSL) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
TFS Financial Effective Interest Rate on Debt % Related Terms
TFS Financial Effective Interest Rate on Debt % Historical Data
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The historical data trend for TFS Financial's Effective Interest Rate on 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.
TFS Financial Effective Interest Rate on Debt % Chart
TFSL vs IBOC, SFBS, FINN: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, TFS Financial's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where TFS Financial's Effective Interest Rate on 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 9.27% mean?
TFS Financial (TFSL) has a Effective Interest Rate on Debt % of 9.27% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on TFS Financial and its competitors.
Is TFS Financial's Effective Interest Rate on Debt % too high?
TFS Financial's current Effective Interest Rate on Debt % is 9.27%. Overall, TFS Financial has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does TFS Financial's Effective Interest Rate on Debt % compare to IBOC and SFBS?
TFS Financial's Effective Interest Rate on Debt % of 9.27% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on TFS Financial and its competitors. TFS Financial's current Effective Interest Rate on Debt % is 9.27%. 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 $14.62, compared to a current price of $17.84 — trading 22% above its estimated fair value. The current Effective Interest Rate on Debt % is 9.27%. TFS Financial's overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For TFS Financial (TFSL), the current Effective Interest Rate on Debt % is 9.27% as of Mar. 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 $17.84 is trading 22% above its estimated GF Value™ of $14.62.
GuruFocus considers TFS Financial to be Modestly Overvalued.
Key valuation signals for TFSL:
Effective Interest Rate on Debt %: 9.27%
GF Value™: $14.62 vs. price of $17.84 (22% above fair value)
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.
56GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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