TFSL (TFS Financial) Margin of Safety % (DCF Earnings Based): -359.45% (As of Jun. 25, 2026)


TFSL TFS Financial Corp TFSL
56 GF Score
Price $17.51
GF Value $14.60
Valuation Modestly Overvalued
! 7 Warning Signs
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What is TFS Financial Margin of Safety % (DCF Earnings Based)?

TFS Financial TFSL +2.64% 56 Margin of Safety % (DCF Earnings Based) is -359.45% as of Jun. 25, 2026. GuruFocus rates TFSL with a GF Score™ of 56/100 and a GF Value™ of $14.60 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), TFS Financial's Predictability Rank is 2.5-Stars. TFS Financial's intrinsic value calculated from the Discounted Earnings model is $3.81 and current share price is $17.505. Consequently,

TFS Financial's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -359.45%.

TFSL vs IBOC, TCBI, SFBS: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, TFS Financial's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, TFS Financial's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where TFS Financial's Margin of Safety % (DCF Earnings Based) falls into.


TFSL
56GF Score
TFS Financial Corp TFSL
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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TFS Financial Margin of Safety % (DCF Earnings Based) Calculation

TFS Financial's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(3.81-17.505)/3.81
=-359.45 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -359.45% mean?
TFS Financial (TFSL) has a Margin of Safety % (DCF Earnings Based) of -359.45% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on TFS Financial.
Is TFS Financial's Margin of Safety % (DCF Earnings Based) too high?
TFS Financial's current Margin of Safety % (DCF Earnings Based) is -359.45%. 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 Margin of Safety % (DCF Earnings Based) compare to IBOC and TCBI?
TFS Financial's Margin of Safety % (DCF Earnings Based) of -359.45% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on TFS Financial. TFS Financial's current Margin of Safety % (DCF Earnings Based) is -359.45%. 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 $14.60, compared to a current price of $17.51 — trading 19.9% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is -359.45%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For TFS Financial (TFSL), the current Margin of Safety % (DCF Earnings Based) is -359.45% as of Jun. 25, 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 19.9% above its estimated GF Value™ of $14.60. GuruFocus considers TFS Financial to be Modestly Overvalued.

Key valuation signals for TFSL:

  • Margin of Safety % (DCF Earnings Based): -359.45%
  • GF Value™: $14.60 vs. price of $17.51 (19.9% 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

Other Exchanges PWT:Germany
Address 7007 Broadway Avenue, Cleveland, OH, USA, 44105
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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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.51
Price
$14.60
GF Value