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TFS FinancialTFSL +0.03%62 Shiller PE Ratio is 48.53 as of Sep. 03, 2026, which is 26% below its 10-year median of 65.91. GuruFocus rates TFSL with a GF Score™ of 62/100 and a GF Value™ of $14.99 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,239 Banks companies, TFS Financial ranks worse than 96.93% on this metric.
As of today (2026-09-03), TFS Financial's current share price is $17.47. TFS Financial's E10 for the quarter that ended in Jun. 2026 was $0.36. TFS Financial's Shiller PE Ratio for today is 48.53.
The historical rank and industry rank for TFS Financial's Shiller PE Ratio or its related term are showing as below:
TFSL'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 33.55 Med: 65.91 Max: 141.64
Current: 48.53
During the past years, TFS Financial's highest Shiller PE Ratio was 141.64. The lowest was 33.55. And the median was 65.91.
TFSL's Shiller PE Ratio is ranked worse than 96.93% of 1239
companies
in the Banks industry
Industry Median: 13.82
vs TFSL: 48.53
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
TFS Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.110. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $0.36 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
TFS Financial (NAS:TFSL) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
TFS Financial Shiller PE Ratio Related Terms
TFS Financial Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for TFS Financial's Shiller PE Ratio 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.
TFSL vs FFIN, EBC, SFBS: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, TFS Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where TFS Financial's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
TFS Financial's Shiller PE Ratio for today is calculated as
* 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's E10 for the quarter that ended in Jun. 2026 is calculated as:
For example, TFS Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
TFS Financial (TFSL) has a Shiller PE Ratio of 48.53 as of Sep. 03, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on TFS Financial and its competitors. This is 26% below median its historical median of 65.91. Over the past decade, TFS Financial's Shiller PE Ratio has ranged from 33.55 to 141.64. According to the industry distribution chart, TFS Financial ranks #1201 out of 1239 companies in the Banks industry, placing it in the top 96.9%.
Is TFS Financial's Shiller PE Ratio too high?
TFS Financial's current Shiller PE Ratio of 48.53 is 26% below median its 10-year median of 65.91. Over the past 10 years, this metric has ranged from a low of 33.55 to a high of 141.64. The Banks industry median Shiller PE Ratio is 13.82. TFS Financial's value of 48.53 is 251.2% above this industry median. Based on the distribution chart, TFS Financial ranks #1201 out of 1239 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 Shiller PE Ratio compare to FFIN and EBC?
According to the Banks industry distribution chart, TFS Financial ranks #1201 out of 1239 companies for Shiller PE Ratio. This places TFS Financial in the lower half of its industry. The industry median Shiller PE Ratio is 13.82. TFS Financial's value of 48.53 is 251.2% above this benchmark. Historically, TFS Financial's own Shiller PE Ratio has ranged from 33.55 to 141.64 over the past decade. While the company's 10-year median is 65.91 vs. the industry median of 13.82, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.82, based on 1,239 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current Shiller PE Ratio of 48.53 is 251.2% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on TFS Financial and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current Shiller PE Ratio is 48.53, which is 26% below median its own 10-year median of 65.91. 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 $14.99, compared to a current price of $17.47 — trading 16.5% above its estimated fair value. The current Shiller PE Ratio is 48.53, which is 26% below median its 10-year median of 65.91 and 251.2% above the Banks industry median of 13.82. TFS Financial's overall GF Score™ is 62/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For TFS Financial (TFSL), the current Shiller PE Ratio is 48.53 as of Sep. 03, 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 $17.47 is trading 16.5% above its estimated GF Value™ of $14.99.
GuruFocus considers TFS Financial to be Modestly Overvalued.
Key valuation signals for TFSL:
Shiller PE Ratio: 48.53 (26% below median its 10-year median of 65.91)
GF Value™: $14.99 vs. price of $17.47 (16.5% above fair value)
Industry Position: 251.2% above the Banks median (#1201 of 1239)
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
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