TFS Financial Corporation
TFSLFinancial Services · Stock · quarterly payer
Forward Yield
7.23%
Annual Dividend
$1.27
Payout Ratio
314%
5-Yr Growth
0.2%
Ex-Date
Sep 9, 2026
Frequency
Quarterly
Summary
As of September 2026, TFS Financial Corporation (TFSL) yields 7.23% ($1.27 per share annually), with a blended fair-value estimate of $25.39 — +44% upside, so it screens as undervalued. Dividend safety grade: B (76/100).
Is TFSL a good dividend stock?
YesTFS Financial Corporation (TFSL) pays a quarterly dividend yielding 7.23% ($1.27/yr), with 0 years of growth and a dividend-safety grade of B. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
Risks
- Elevated payout ratio (314%)
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 7.23%
- Payout Ratio
- 314%
- Annual Dividend
- $1.27
- 5-Yr Avg Growth
- 0.2%
- Ex-Dividend Date
- Sep 9, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 0.73
- Market Cap
- $4.9B
- P/E Ratio
- 48.8
- 5-Yr Total Return
- -8%
- 52-Week Range
- $12.54 – $19.49
- Dividend Safety
- B · 76/100
- Ever Cut?
- No
Frequently Asked Questions
TFSL Price — Last 12 Months
Daily close
Price Return
1 Year
+33%
3 Years
+49%
5 Years
-8%
52-Week Range
$12.54 – $19.49
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is TFSL worth?
Undervaluedmedium confidenceOur blended fair-value estimate for TFS Financial Corporation is $25.39 per share, versus a market price of $17.57. That implies 44% of upside — a margin of safety of about 31%.
Fair Value
$25.39
Current Price
$17.57
Upside
+44%
Margin of Safety
31%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 40.0% annual free-cash-flow growth. We model 16.1% — so the price already assumes faster growth than we think is likely.
Assumptions: 7.9% discount rate (CAPM), 16.1% stage-1 growth, 2.5% terminal growth, $0.36 EPS, $1.27 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
TFSL Dividend Safety Score
Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jun 10, 2026 | — | $0.2830 | regular |
| Mar 11, 2026 | — | $0.2830 | regular |
| Dec 2, 2025 | — | $0.2830 | regular |
| Sep 10, 2025 | — | $0.2830 | regular |
| Jun 10, 2025 | — | $0.2830 | regular |
| Mar 6, 2025 | — | $0.2830 | regular |
| Dec 3, 2024 | — | $0.2830 | regular |
| Sep 10, 2024 | — | $0.2830 | regular |
| Jun 11, 2024 | — | $0.2830 | regular |
| Mar 6, 2024 | — | $0.2830 | regular |
| Nov 28, 2023 | — | $0.2830 | regular |
| Sep 11, 2023 | — | $0.2830 | regular |
| May 26, 2023 | — | $0.2830 | regular |
| Mar 6, 2023 | — | $0.2830 | regular |
Income Calculator
At $1.27 / yr per share
