TFSL (TFS Financial) LT-Debt-to-Total-Asset: 0.30 (As of Mar. 2026)

What is TFS Financial LT-Debt-to-Total-Asset?

TFS Financial TFSL -0.09% 56 LT-Debt-to-Total-Asset is 0.30 as of Mar. 2026. GuruFocus rates TFSL with a GF Score™ of 56/100 and a GF Value™ of $14.61 (Modestly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. TFS Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.30.

TFS Financial's long-term debt to total assets ratio increased from Mar. 2025 (0.27) to Mar. 2026 (0.30). It may suggest that TFS Financial is progressively becoming more dependent on debt to grow their business.

TFS Financial (NAS:TFSL) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

TFS Financial LT-Debt-to-Total-Asset Related Terms

TFS Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for TFS Financial's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

TFS Financial Annual Data

Trend

Sep16

Sep17

Sep18

Sep19

Sep20

Sep21

Sep22

Sep23

Sep24

Sep25

LT-Debt-to-Total-Asset

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0.22

0.31

0.28

TFS Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.27	0.28	0.28	0.29	0.30

56GF Score

TFS Financial Corp TFSL

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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TFS Financial LT-Debt-to-Total-Asset Calculation

TFS Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Sep. 2025 is calculated as

LT Debt to Total Assets (A: Sep. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Sep. 2025 )	/	Total Assets (A: Sep. 2025 )
	=	4900.547	/	17456.316
	=	0.28

TFS Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	5171.588	/	17479.67
	=	0.30

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.30 mean?

TFS Financial (TFSL) has a LT-Debt-to-Total-Asset of 0.30 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on TFS Financial and its competitors.

Is TFS Financial's LT-Debt-to-Total-Asset too high?

TFS Financial's current LT-Debt-to-Total-Asset is 0.30. 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 LT-Debt-to-Total-Asset compare to IBOC and TCBI?

TFS Financial's LT-Debt-to-Total-Asset of 0.30 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on TFS Financial and its competitors. TFS Financial's current LT-Debt-to-Total-Asset is 0.30. 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 $14.61, compared to a current price of $17.51 — trading 19.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.30. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For TFS Financial (TFSL), the current LT-Debt-to-Total-Asset is 0.30 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 $17.51 is trading 19.8% above its estimated GF Value™ of $14.61. GuruFocus considers TFS Financial to be Modestly Overvalued.

Key valuation signals for TFSL:

LT-Debt-to-Total-Asset: 0.30
GF Value™: $14.61 vs. price of $17.51 (19.8% above fair value)
GF Score™: 56/100 with 7 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies IBOC TCBI SFBS FFIN EBC FULT FINN AX UCB CATY SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Other Exchanges PWT:Germany

Address 7007 Broadway Avenue, Cleveland, OH, USA, 44105

Website https://www.thirdfederal.com

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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$17.51

Price

$14.61

GF Value

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