TFS FinancialFRA:PWT -0.66%55 EV-to-FCF is 121.03 as of Jul. 02, 2026, which is 29% above its 10-year median of 93.71. GuruFocus rates FRA:PWT with a GF Score™ of 55/100 and a GF Value™ of €12.27 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,193 Banks companies, TFS Financial ranks worse than 96.73% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, TFS Financial's Enterprise Value is €8,562.8 Mil.
TFS Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €70.7 Mil. Therefore, TFS Financial's EV-to-FCF for today is 121.03.
The historical rank and industry rank for TFS Financial's EV-to-FCF or its related term are showing as below:
FRA:PWT'
s EV-to-FCF Range Over the Past 10 Years
Min: 49.06 Med: 93.71 Max: 723.68
Current: 118.51
During the past 13 years, the highest EV-to-FCF of TFS Financial was 723.68. The lowest was 49.06. And the median was 93.71.
FRA:PWT's EV-to-FCF is ranked worse than 96.73% of 1193
companies
in the Banks industry
Industry Median: 6.65
vs FRA:PWT: 118.51
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
TFS Financial's PE Ratio (TTM) for today is calculated as:
TFS Financial's share price for today is €15.00.
TFS Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.283.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
TFS Financial EV-to-FCF Related Terms
TFS Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for TFS Financial's EV-to-FCF 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.
For the Banks - Regional subindustry, TFS Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where TFS Financial's EV-to-FCF falls into.
TFS Financial's current Enterprise Value is €8,562.8 Mil.
TFS Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €70.7 Mil.
* 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 (FRA:PWT) has a EV-to-FCF of 121.03 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on TFS Financial and its competitors. This is 29% above median its historical median of 93.71. Over the past decade, TFS Financial's EV-to-FCF has ranged from 49.06 to 723.68. According to the industry distribution chart, TFS Financial ranks #1154 out of 1193 companies in the Banks industry, placing it in the top 96.7%.
Is TFS Financial's EV-to-FCF too high?
TFS Financial's current EV-to-FCF of 121.03 is 29% above median its 10-year median of 93.71. Over the past 10 years, this metric has ranged from a low of 49.06 to a high of 723.68. The Banks industry median EV-to-FCF is 6.65. TFS Financial's value of 121.03 is 1720% above this industry median. Based on the distribution chart, TFS Financial ranks #1154 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, TFS Financial has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does TFS Financial's EV-to-FCF compare to IBOC and SFBS?
According to the Banks industry distribution chart, TFS Financial ranks #1154 out of 1193 companies for EV-to-FCF. This places TFS Financial in the lower half of its industry. The industry median EV-to-FCF is 6.65. TFS Financial's value of 121.03 is 1720% above this benchmark. Historically, TFS Financial's own EV-to-FCF has ranged from 49.06 to 723.68 over the past decade. While the company's 10-year median is 93.71 vs. the industry median of 6.65, TFS Financial has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.65, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current EV-to-FCF of 121.03 is 1720% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on TFS Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current EV-to-FCF is 121.03, which is 29% above median its own 10-year median of 93.71. 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 (FRA:PWT) is currently considered Modestly Overvalued. The stock's GF Value™ is €12.27, compared to a current price of €15.00 — trading 22.2% above its estimated fair value. The current EV-to-FCF is 121.03, which is 29% above median its 10-year median of 93.71 and 1720% above the Banks industry median of 6.65. TFS Financial's overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For TFS Financial (FRA:PWT), the current EV-to-FCF is 121.03 as of Jul. 02, 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 (FRA:PWT) Overvalued in 2026?
Based on GuruFocus' analysis, TFS Financial stock appears to be overvalued.
The current stock price of €15.00 is trading 22.2% above its estimated GF Value™ of €12.27.
GuruFocus considers TFS Financial to be Modestly Overvalued.
Key valuation signals for FRA:PWT:
EV-to-FCF: 121.03 (29% above median its 10-year median of 93.71)
GF Value™: €12.27 vs. price of €15.00 (22.2% above fair value)
Industry Position: 1720% above the Banks median (#1154 of 1193)
No single metric tells the full story. See the FRA:PWT 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.
55GF Score
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