TFSL Snapshot del titolo Prezzo, capitalizzazione di mercato, P/E, EPS, ROE, debito/capitale proprio, intervallo 52 settimane

Prezzo

$15.51

Capitalizzazione di Mercato

$3.70B

P/E (TTM)

41.2

EPS (TTM)

$0.32

Ricavi (TTM)

—

Rendimento div.

1.6%

ROE

4.8%

D/E Debito/Patrimonio

—

Intervallo 52 sett.

$13 – $16

TFSL Grafico del prezzo delle azioni OHLCV giornaliero con indicatori tecnici — panoramica, zoom e personalizza la tua visualizzazione

Performance decennale Andamento di ricavi, utile netto, margini e EPS

Ricavi e Utile Netto —

EPS $0.32

2016-09-30 → 2025-09-30

Flusso di cassa libero $71M

2016-09-30 → 2025-09-30

Margini 28.3%

Valutazione Rapporti P/E, P/S, P/B, EV/EBITDA — il titolo è costoso o economico?

Metrica

Tendenza 5 anni

TFSL

Mediana dei peer

P/E (TTM)

41.2

13.4

P/B

2.0

1.1

Price / FCF (Prezzo / FCF)

52.1

—

Redditività Margini lordi, operativi e netti; ROE, ROA, ROIC

Metrica

Tendenza 5 anni

TFSL

Mediana dei peer

Net Profit Margin (Margine di Profitto Netto)

28.3%

27.7%

ROA

0.53%

0.98%

ROE

4.8%

8.2%

Salute finanziaria Debito, liquidità, solvibilità — solidità del bilancio

Metrica

Tendenza 5 anni

TFSL

Mediana dei peer

Crescita Crescita di ricavi, EPS e utile netto: YoY, CAGR 3Y, CAGR 5Y

Metrica

Tendenza 5 anni

TFSL

Mediana dei peer

Revenue YoY (Ricavi YoY)

6.0%

—

Revenue CAGR 3Y (CAGR Ricavi 3Y)

3.4%

—

Revenue CAGR 5Y (CAGR Ricavi 5Y)

1.7%

—

EPS YoY

14.3%

—

Net Income YoY (Utile Netto YoY)

14.3%

—

Metriche per Azione EPS, valore contabile per azione, flusso di cassa per azione, dividendo per azione

Metrica

Tendenza 5 anni

TFSL

Mediana dei peer

EPS (Diluted) (EPS (Diluito))

$0.32

—

Efficienza del Capitale Rotazione delle attività, rotazione delle scorte, rotazione dei crediti

Metrica

Tendenza 5 anni

TFSL

Mediana dei peer

Payout Ratio (Rapporto di Distribuzione Utili)

65.5%

—

Dividendi Rendimento, payout ratio, storico dividendi, CAGR 5Y

Dividend Yield

1.6%

Rapporto di Distribuzione Utili

65.5%

CAGR Dividendi 5Y

—

Data ex-dividendo	Importo
11 Marzo 2026	$0,2830
02 Dicembre 2025	$0,2830
10 Settembre 2025	$0,2830
10 Giugno 2025	$0,2830
06 Marzo 2025	$0,2830
03 Dicembre 2024	$0,2830
10 Settembre 2024	$0,2830
11 Giugno 2024	$0,2830
06 Marzo 2024	$0,2830
28 Novembre 2023	$0,2830
11 Settembre 2023	$0,2830
26 Maggio 2023	$0,2830
06 Marzo 2023	$0,2830
28 Novembre 2022	$0,2830
02 Settembre 2022	$0,2830
06 Giugno 2022	$0,2830
07 Marzo 2022	$0,2830
29 Novembre 2021	$0,2830
03 Settembre 2021	$0,2830
07 Giugno 2021	$0,2800

TFSL Consenso degli analisti Opinioni degli analisti, sia rialziste che ribassiste, target price a 12 mesi, potenziale di rialzo

VENDI 7 analisti

Acquisto forte 0 0,0%
Compra 0 0,0%
Mantieni 4 57,1%
Vendi 1 14,3%
Vendita forte 2 28,6%

Target Price a 12 Mesi

2 analisti · 2026-05-17

Mediana $15.50

Ora $15.51

Basso $15.00

Alto $16.00

Target mediano $15.50 -0,1%

Target medio $15.50 -0,1%

Cronologia utili EPS effettivo vs stima, surprise %, tasso di superamento, data prossimi utili

Sorpresa media

-0.00%

Periodo	EPS Actual	EPS Stimato	Sorpresa
31 Marzo 2026	$0.08	$0.08	-0.00%
31 Dicembre 2025	$0.08	$0.09	-0.01%
30 Settembre 2025	$0.09	$0.08	0.01%
30 Giugno 2025	$0.08	$0.08	-0.00%
31 Marzo 2025	$0.07	$0.07	-0.00%

Confronto tra pari Metriche chiave rispetto ai pari del settore

Ticker	Capitalizzazione di Mercato	P/E	Rev YoY	Margine Netto	ROE	Margine lordo
TFSL	$3.70B	41.2	6.0%	28.3%	4.8%	—
AX	$4.30B	10.2	1.8%	658.0%	16.6%	—
ASB	$4.28B	9.3	-11.1%	31.9%	9.7%	—
FFIN	$4.28B	16.9	14.7%	40.2%	13.9%	—
EBC	$4.34B	42.9	19.1%	65.8%	2.2%	—
IBOC	—	10.0	1.0%	49.0%	13.1%	—
TCBI	$4.69B	13.3	34.7%	26.3%	9.2%	—
SFBS	$3.92B	14.2	16.8%	49.2%	16.0%	—
FULT	—	—	—	—	—	—
UCB	$3.77B	11.9	11.7%	30.9%	9.0%	—
CATY	$3.25B	10.7	2.9%	585.8%	10.8%	—

Fondamentali Completi Tutte le metriche per anno — conto economico, stato patrimoniale, rendiconto finanziario

Conto Economico 10

Dati annuali Conto Economico per TFSL
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	·	·	$328M	$142M	$158M	$213M	$217M	$162M	$130M	$118M	$113M	$103M
Interest Income	$763M	$734M	$612M	$409M	$389M	$455M	$482M	$443M	$409M	$388M	$383M	$375M
Pretax Income	$115M	$100M	$93M	$92M	$100M	$100M	$102M	$121M	$133M	$122M	$109M	$99M
Income Tax	$24M	$21M	$18M	$17M	$19M	$17M	$22M	$36M	$44M	$42M	$37M	$33M
Net Income	$91M	$80M	$75M	$75M	$81M	$83M	$80M	$85M	$89M	$81M	$73M	$66M
EPS (Basic)	$0.32	$0.28	$0.27	$0.26	$0.29	$0.30	$0.29	$0.31	$0.32	$0.28	$0.25	$0.22
EPS (Diluted)	$0.32	$0.28	$0.26	$0.26	$0.29	$0.29	$0.28	$0.30	$0.32	$0.28	$0.25	$0.22
Shares (Basic)	278,715,769	278,178,496	277,436,382	277,370,762	276,694,594	275,859,660	275,395,529	275,590,053	277,213,258	281,566,648	289,935,861	298,974,062
Shares (Diluted)	279,758,525	279,143,524	278,583,454	278,686,365	278,576,254	277,803,058	277,374,426	277,298,425	279,268,768	283,785,713	292,210,417	300,556,767
EBITDA	$5M	$5M	$5M	$5M	$5M	$5M	$6M	$6M	$6M	$6M	$5M	$5M

Stato Patrimoniale 14

Dati annuali Stato Patrimoniale per TFSL
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Cash & Equivalents	$429M	$464M	$467M	$370M	$488M	$498M	$275M	$270M	$268M	$231M	$155M	$181M
PP&E (Net)	$40M	$33M	$35M	$35M	$37M	$42M	$62M	$63M	$61M	$61M	$57M	$56M
PP&E (Gross)	$156M	$147M	$144M	$141M	$139M	$139M	$162M	$159M	$154M	$149M	$142M	$143M
Accum. Depreciation	$116M	$113M	$109M	$106M	$102M	$97M	$101M	$96M	$93M	$88M	$85M	$87M
Total Assets	$17.46B	$17.09B	$16.92B	$15.79B	$14.06B	$14.64B	$14.54B	$14.14B	$13.69B	$12.91B	$12.37B	$11.80B
Total Liabilities	$15.56B	$15.23B	$14.99B	$13.95B	$12.33B	$12.97B	$12.85B	$12.38B	$12.00B	$11.25B	$10.64B	$9.96B
Common Stock	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M
Paid-in Capital	$1.76B	$1.75B	$1.76B	$1.75B	$1.75B	$1.74B	$1.73B	$1.73B	$1.72B	$1.72B	$1.71B	$1.70B
Retained Earnings	$947M	$915M	$887M	$870M	$854M	$866M	$838M	$808M	$760M	$699M	$642M	$590M
Treasury Stock	$774M	$772M	$776M	$772M	$768M	$768M	$765M	$754M	$736M	$682M	$549M	$379M
AOCI	$-21M	$-16M	$85M	$23M	$-68M	$-132M	$-69M	$23M	$-7M	$-20M	$-13M	$-11M
Stockholders' Equity	$1.89B	$1.86B	$1.93B	$1.84B	$1.73B	$1.67B	$1.70B	$1.76B	$1.69B	$1.66B	$1.73B	$1.84B
Liabilities + Equity	$17.46B	$17.09B	$16.92B	$15.79B	$14.06B	$14.64B	$14.54B	$14.14B	$13.69B	$12.91B	$12.37B	$11.80B
Shares Outstanding	280,590,497	280,710,854	280,359,173	280,582,741	280,761,299	280,150,006	279,962,777	280,311,070	281,291,750	284,219,019	290,882,379	301,654,581

Flusso di cassa 16

Dati annuali Flusso di cassa per TFSL
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
D&A	$5M	$5M	$5M	$5M	$5M	$5M	$6M	$6M	$6M	$6M	$5M	$5M
Stock-based Comp	$10M	$10M	$10M	$11M	$14M	$12M	$12M	$11M	$11M	$13M	$14M	$12M
Deferred Tax	$1M	$3M	$4M	$-27M	$-14M	$22M	$22M	$4M	$4M	$11M	$9M	$10M
Other Non-cash	$-24M	$-8M	$-3M	$-25M	$-3M	$-873.0K	$-17M	$41M	$-617.0K	$-26M	$2M	$11M
Operating Cash Flow	$82M	$89M	$91M	$39M	$83M	$122M	$103M	$92M	$101M	$85M	$102M	$104M
CapEx	$11M	$3M	$5M	$3M	$1M	$3M	$4M	$8M	$4M	$9M	$6M	$3M
Investing Cash Flow	$-384M	$-125M	$-1.01B	$-1.88B	$547M	$148M	$-342M	$-475M	$-755M	$-454M	$-600M	$-669M
Debt Issued	$225M	$725M	$350M	$600M	$100M	$250M	$275M	$15M	$0	$40M	$600M	$450M
Net Debt Issued	$-202M	$298M	$272M	$596M	$95M	$-100M	$-146M	$-267M	$-208M	$-146M	$585M	$399M
Stock Repurchased	$4M	$2M	$6M	$6M	$6M	$2M	$9M	$20M	$54M	$128M	$173M	$101M
Net Stock Activity	$-4M	$-2M	$-6M	$-6M	$0	$-413.0K	$-9M	$-20M	$-54M	$-128M	$-173M	$-101M
Dividends Paid	$60M	$59M	$58M	$58M	$57M	$55M	$50M	$38M	$28M	$23M	$19M	$5M
Financing Cash Flow	$267M	$33M	$1.02B	$1.72B	$-640M	$-46M	$244M	$384M	$691M	$445M	$472M	$461M
Net Change in Cash	·	·	·	·	·	·	$5M	$2M	$37M	$76M	$-26M	$-105M
Free Cash Flow	$71M	$86M	$86M	$36M	$82M	$119M	$99M	$139M	$105M	$76M	$97M	$101M
Levered FCF	·	·	$-179M	$-79M	$-46M	$-58M	$-71M	$24M	$18M	$-2M	$21M	$32M

Redditività 5

Dati annuali Redditività per TFSL
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Net Margin	28.3%	26.2%	24.7%	25.6%	28.2%	28.2%	28.1%	28.2%	29.8%	27.3%	24.7%	22.5%
Pretax Margin	35.7%	33.1%	30.6%	31.6%	34.9%	33.9%	35.8%	40.1%	44.6%	41.4%	37.2%	33.7%
EBITDA Margin	1.4%	1.5%	1.6%	1.8%	1.9%	1.8%	2.1%	1.9%	1.9%	1.9%	1.6%	1.6%
ROA	0.53%	0.47%	0.46%	0.50%	0.56%	0.57%	0.56%	0.61%	0.67%	0.64%	0.60%	0.57%
ROE	4.8%	4.2%	4.0%	4.1%	4.7%	5.0%	4.7%	4.9%	5.3%	4.8%	4.2%	3.6%

Efficienza 1

Dati annuali Efficienza per TFSL
Metrica	Tendenza	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Asset Turnover		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0

Per Azione 6

Dati annuali Per Azione per TFSL
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Book Value / Share	$6.75	$6.64	$6.87	$6.57	$6.17	$5.97	$6.06	$6.27	$6.01	$5.84	$5.95	$6.10
Revenue / Share	$1.15	$1.09	$1.09	$1.04	$1.03	$1.06	$1.03	$1.09	$1.07	$1.04	$1.01	$0.98
Cash Flow / Share	$0.29	$0.32	$0.33	$0.14	$0.30	$0.44	$0.37	$0.53	$0.39	$0.30	$0.35	$0.34
Cash / Share	$1.53	$1.65	$1.66	$1.32	$1.74	$1.78	$0.98	$0.96	$0.95	$0.81	$0.53	$0.60
Dividend Paid / Share	$1	$1	$1	$1	$1	$1	$1	$1	$1	$0	$0	$0
EPS (TTM)	$0.32	$0.28	$0.26	$0.26	$0.29	$0.29	$0.28	$0.30	$0.32	$0.28	$0.25	$0.22

Tassi di Crescita 10

Dati annuali Tassi di Crescita per TFSL
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue YoY	6.0%	-0.60%	4.7%	1.5%	-2.9%	·	·	·	·	·	·	·
Revenue CAGR 3Y	3.4%	1.8%	1.1%	·	·	·	·	·	·	·	·	·
Revenue CAGR 5Y	1.7%	·	·	·	·	·	·	·	·	·	·	·
EPS YoY	14.3%	7.7%	0.00%	-10.3%	0.00%	·	·	·	·	·	·	·
EPS CAGR 3Y	7.2%	-1.2%	-3.6%	·	·	·	·	·	·	·	·	·
EPS CAGR 5Y	2.0%	·	·	·	·	·	·	·	·	·	·	·
Net Income YoY	14.3%	5.8%	0.92%	-8.0%	-2.8%	·	·	·	·	·	·	·
Net Income CAGR 3Y	6.9%	-0.59%	-3.3%	·	·	·	·	·	·	·	·	·
Net Income CAGR 5Y	1.8%	·	·	·	·	·	·	·	·	·	·	·
Dividend CAGR 5Y	1.4%	·	·	·	·	·	·	·	·	·	·	·

Valutazione (TTM) 11

Dati annuali Valutazione (TTM) per TFSL
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Net Income TTM	$91M	$80M	$75M	$75M	$81M	$83M	$80M	$85M	$89M	$81M	$73M	$66M
Market Cap	$3.70B	$3.61B	$3.31B	$3.65B	$5.35B	$4.12B	$5.04B	$4.21B	$4.54B	$5.06B	$5.02B	$4.32B
P/E	41.2	45.9	45.5	50.0	65.7	50.7	64.4	50.0	50.4	63.6	69.0	65.1
P/B	2.0	1.9	1.7	2.0	3.1	2.5	3.0	2.4	2.7	3.0	2.9	2.3
P / Tangible Book	2.0	1.9	1.7	2.0	3.1	2.5	·	·	·	·	·	·
P / Cash Flow	44.9	40.7	36.5	93.7	64.4	33.8	49.0	28.6	41.7	59.6	49.1	41.7
P / FCF	52.1	42.2	38.7	100.7	65.4	34.7	50.8	30.4	43.4	66.8	52.0	42.9
Dividend Yield	1.6%	1.6%	1.8%	1.6%	1.1%	1.4%	1.0%	0.89%	0.61%	0.46%	0.39%	0.11%
Earnings Yield	2.4%	2.2%	2.2%	2.0%	1.5%	2.0%	1.6%	2.0%	2.0%	1.6%	1.5%	1.5%
Payout Ratio	65.5%	74.1%	77.5%	78.2%	69.9%	66.6%	62.9%	44.1%	31.2%	29.1%	26.9%	7.4%
Annual Payout	$60M	$59M	$58M	$58M	$57M	$55M	$50M	$38M	$28M	$23M	$19M	$5M

Conto Economico 10

Dati trimestrali Conto Economico per TFSL
Metrica	Q2 2026	Q1 2025	Q4 2025	Q3 2025	Q2 2025	Q1 2024	Q4 2024	Q3 2024	Q2 2024	Q1 2023	Q4 2023	Q3 2023	Q2 2023	Q1 2022	Q4 2022	Q3 2022
Interest Expense	·	·	·	·	·	·	·	$116M	$112M	$108M	·	$88M	$78M	$64M	·	$31M
Interest Income	$195M	$198M	$199M	$191M	$186M	$187M	$189M	$185M	$183M	$177M	$169M	$157M	$148M	$139M	$121M	$103M
Pretax Income	$30M	$28M	$32M	$27M	$27M	$28M	$23M	$25M	$26M	$26M	$23M	$22M	$20M	$28M	$31M	$21M
Income Tax	$7M	$6M	$6M	$6M	$6M	$6M	$5M	$5M	$5M	$5M	$4M	$4M	$4M	$6M	$6M	$4M
Net Income	$23M	$22M	$26M	$22M	$21M	$22M	$18M	$20M	$21M	$21M	$20M	$18M	$16M	$22M	$25M	$17M
EPS (Basic)	$0.08	$0.08	$0.09	$0.08	$0.07	$0.08	$0.07	$0.07	$0.07	$0.07	$0.07	$0.06	$0.06	$0.08	$0.08	$0.06
EPS (Diluted)	$0.08	$0.08	$0.09	$0.08	$0.07	$0.08	$0.07	$0.07	$0.07	$0.07	$0.06	$0.06	$0.06	$0.08	$0.08	$0.06
Shares (Basic)	278,858,428	278,754,792	-557,384,604	278,832,875	278,729,388	278,538,110	-556,137,447	278,291,376	278,183,041	277,841,526	-554,718,127	277,472,312	277,361,293	277,320,904	-554,731,291	277,453,439
Shares (Diluted)	279,934,262	279,908,875	-559,412,783	279,873,274	279,719,382	279,578,652	-558,126,571	279,221,360	279,046,837	279,001,898	-556,969,438	278,590,810	278,499,145	278,462,937	-557,592,306	278,555,759
EBITDA	·	$6M	·	·	·	$5M	·	·	·	·	·	·	·	$4M	·	·

Stato Patrimoniale 14

Dati trimestrali Stato Patrimoniale per TFSL
Metrica	Q2 2026	Q1 2025	Q4 2025	Q3 2025	Q2 2025	Q1 2024	Q4 2024	Q3 2024	Q2 2024	Q1 2023	Q4 2023	Q3 2023	Q2 2023	Q1 2022	Q4 2022	Q3 2022
Cash & Equivalents	$437M	$457M	$429M	$453M	$464M	$466M	$464M	$560M	$594M	$552M	·	$436M	$421M	$444M	·	$388M
PP&E (Net)	$43M	$40M	$40M	$39M	$38M	$33M	$33M	$34M	$34M	$34M	·	$35M	$35M	$35M	·	$35M
PP&E (Gross)	·	·	$156M	·	·	·	$147M	·	·	·	·	·	·	·	·	·
Accum. Depreciation	·	·	$116M	·	·	·	$113M	·	·	·	·	·	·	·	·	·
Total Assets	$17.48B	$17.50B	$17.46B	$17.38B	$17.11B	$17.06B	$17.09B	$17.03B	$17.02B	$17.05B	·	$16.59B	$16.26B	$16.13B	·	$15.41B
Total Liabilities	$15.56B	$15.60B	$15.56B	$15.49B	$15.22B	$15.14B	$15.23B	$15.12B	$15.11B	$15.19B	·	$14.71B	$14.43B	$14.28B	·	$13.59B
Common Stock	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	·	$3M	$3M	$3M	·	$3M
Paid-in Capital	$1.76B	$1.76B	$1.76B	$1.76B	$1.76B	$1.75B	$1.75B	$1.75B	$1.75B	$1.75B	·	$1.75B	$1.75B	$1.75B	·	$1.75B
Retained Earnings	$962M	$954M	$947M	$936M	$929M	$923M	$915M	$912M	$907M	$901M	·	$882M	$879M	$878M	·	$859M
Treasury Stock	$776M	$774M	$774M	$772M	$771M	$772M	$772M	$772M	$772M	$772M	·	$776M	$776M	$775M	·	$772M
AOCI	$-9M	$-21M	$-21M	$-16M	$792.0K	$27M	$-16M	$43M	$42M	$10M	·	$51M	$5M	$23M	·	$5M
Stockholders' Equity	$1.92B	$1.90B	$1.89B	$1.89B	$1.90B	$1.91B	$1.86B	$1.92B	$1.91B	$1.87B	$1.93B	$1.89B	$1.83B	$1.85B	$1.84B	$1.81B
Liabilities + Equity	$17.48B	$17.50B	$17.46B	$17.38B	$17.11B	$17.06B	$17.09B	$17.03B	$17.02B	$17.05B	·	$16.59B	$16.26B	$16.13B	·	$15.41B
Shares Outstanding	280,476,186	280,624,799	280,590,497	280,779,576	280,836,948	280,799,401	280,710,854	280,710,854	280,710,854	280,710,854	·	280,329,098	280,329,098	280,373,614	·	280,603,723

Flusso di cassa 15

Dati trimestrali Flusso di cassa per TFSL
Metrica	Q2 2026	Q1 2025	Q4 2025	Q3 2025	Q2 2025	Q1 2024	Q4 2024	Q3 2024	Q2 2024	Q1 2023	Q4 2023	Q3 2023	Q2 2023	Q1 2022	Q4 2022	Q3 2022
D&A	$6M	$6M	$-12M	$6M	$6M	$5M	$-9M	$5M	$5M	$5M	$-8M	$5M	$5M	$4M	$-15M	$7M
Stock-based Comp	$3M	$3M	$3M	$2M	$2M	$2M	$2M	$2M	$3M	$2M	$2M	$2M	$3M	$3M	$3M	$3M
Deferred Tax	$12.0K	$-103.0K	$1M	$8.0K	$30.0K	$-10.0K	$3M	$-82.0K	$-93.0K	$-25.0K	$4M	$-19.0K	$-110.0K	$-45.0K	$-26M	$-534.0K
Other Non-cash	·	$28M	·	·	·	$15M	·	·	·	·	·	·	·	$50M	·	·
Operating Cash Flow	$18M	$59M	$-11M	$27M	$21M	$46M	$-59M	$97M	$14M	$36M	$14M	$34M	$-36M	$79M	$-12M	$10M
CapEx	$4M	$2M	$2M	$2M	$7M	$637.0K	$715.0K	$834.0K	$812.0K	$703.0K	$1M	$2M	$500.0K	$2M	$1M	$837.0K
Investing Cash Flow	$-8M	$14M	$-74M	$-264M	$-44M	$-3M	$-112M	$-43M	$72M	$-42M	$-285M	$-377M	$-98M	$-249M	$-395M	$-807M
Debt Issued	$0	$50M	$125M	$100M	$0	$0	$150M	$0	$0	$575M	$0	$0	$0	$350M	$200M	$150M
Net Debt Issued	·	$-51M	·	·	·	$-176M	·	·	·	·	·	·	·	$349M	·	·
Stock Repurchased	$2M	$3M	$2M	$744.0K	$0	$767.0K	$1.0K	$6.0K	$0	$2M	$342.0K	$4.0K	$713.0K	$5M	$248.0K	$4M
Net Stock Activity	·	$-3M	·	·	·	$-767.0K	·	·	·	·	·	·	·	$-5M	·	·
Dividends Paid	$15M	$15M	$15M	$15M	$15M	$15M	$15M	$15M	$15M	$15M	$15M	$15M	$15M	$15M	$14M	$15M
Financing Cash Flow	$-29M	$-45M	$62M	$226M	$20M	$-41M	$74M	$-88M	$-44M	$91M	$301M	$358M	$111M	$244M	$389M	$813M
Free Cash Flow	·	$57M	·	·	·	$45M	·	·	·	·	·	·	·	$77M	·	·
Levered FCF	·	·	·	·	·	·	·	·	·	·	·	·	·	$26M	·	·

Redditività 5

Dati trimestrali Redditività per TFSL
Metrica	Q2 2026	Q1 2025	Q4 2025	Q3 2025	Q2 2025	Q1 2024	Q4 2024	Q3 2024	Q2 2024	Q1 2023	Q4 2023	Q3 2023	Q2 2023	Q1 2022	Q4 2022	Q3 2022
Net Margin	27.3%	26.6%	·	26.2%	26.6%	30.0%	·	26.4%	26.9%	·	·	23.6%	21.3%	27.6%	·	22.3%
Pretax Margin	35.0%	34.0%	·	33.4%	33.5%	37.9%	·	33.4%	33.6%	·	·	29.1%	26.8%	35.0%	·	27.6%
EBITDA Margin	·	7.5%	·	·	·	7.1%	·	·	·	·	·	·	·	5.2%	·	·
ROA	0.13%	0.13%	·	0.13%	0.12%	0.13%	·	0.12%	0.12%	·	·	0.11%	0.10%	0.15%	·	0.12%
ROE	1.2%	1.2%	·	1.1%	1.1%	1.2%	·	1.1%	1.1%	·	·	0.95%	0.88%	1.2%	·	0.97%

Efficienza 1

Dati trimestrali Efficienza per TFSL
Metrica	Tendenza	Q2 2026	Q1 2025	Q4 2025	Q3 2025	Q2 2025	Q1 2024	Q4 2024	Q3 2024	Q2 2024	Q1 2023	Q4 2023	Q3 2023	Q2 2023	Q1 2022	Q4 2022	Q3 2022
Asset Turnover		0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0	·	·	0.0	0.0	0.0	·	0.0

Per Azione 6

Dati trimestrali Per Azione per TFSL
Metrica	Q2 2026	Q1 2025	Q4 2025	Q3 2025	Q2 2025	Q1 2024	Q4 2024	Q3 2024	Q2 2024	Q1 2023	Q4 2023	Q3 2023	Q2 2023	Q1 2022	Q4 2022	Q3 2022
Book Value / Share	$6.85	$6.77	·	$6.72	$6.75	$6.82	·	$6.82	$6.80	·	·	$6.73	$6.54	$6.60	·	$6.46
Revenue / Share	$0.30	$0.30	·	$0.29	$0.28	$0.27	·	$0.27	$0.28	·	·	$0.27	$0.27	$0.29	·	$0.28
Cash Flow / Share	·	$0.21	·	·	·	$0.16	·	·	·	·	·	·	·	$0.28	·	·
Cash / Share	$1.56	$1.63	·	$1.61	$1.65	$1.66	·	$2.00	$2.12	·	·	$1.56	$1.50	$1.58	·	$1.38
Dividend Paid / Share	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
EPS (TTM)	$0.31	$0.31	·	$0.30	$0.29	$0.29	·	$0.27	$0.26	$0.27	·	$0.26	$0.26	$0.26	·	$0.24

Valutazione (TTM) 9

Dati trimestrali Valutazione (TTM) per TFSL
Metrica	Q2 2026	Q1 2025	Q4 2025	Q3 2025	Q2 2025	Q1 2024	Q4 2024	Q3 2024	Q2 2024	Q1 2023	Q4 2023	Q3 2023	Q2 2023	Q1 2022	Q4 2022	Q3 2022
Net Income TTM	$88M	$87M	·	$85M	$84M	$84M	·	$79M	$75M	$76M	·	$73M	$71M	$71M	·	$65M
Market Cap	$3.94B	$3.75B	·	$3.64B	$3.48B	$3.53B	·	$3.54B	$3.53B	·	·	$3.52B	$3.54B	$4.04B	·	$3.85B
P/E	45.3	43.2	·	43.2	42.7	43.3	·	46.7	48.3	54.4	·	48.3	48.6	55.4	·	57.2
P/B	2.0	2.0	·	1.9	1.8	1.8	·	1.8	1.8	·	·	1.9	1.9	2.2	·	2.1
P / Tangible Book	2.0	2.0	·	1.9	1.8	1.8	·	1.8	1.8	2.2	·	1.9	1.9	2.2	·	2.1
P / Cash Flow	·	63.9	·	·	·	77.4	·	·	·	·	·	·	·	51.3	·	·
P / FCF	·	65.8	·	·	·	78.5	·	·	·	·	·	·	·	52.6	·	·
Earnings Yield	2.2%	2.3%	·	2.3%	2.3%	2.3%	·	2.1%	2.1%	1.8%	·	2.1%	2.1%	1.8%	·	1.8%
Payout Ratio	·	67.8%	·	·	·	66.4%	·	·	·	·	·	·	·	66.1%	·	·

Bilanci Conto economico, stato patrimoniale, flusso di cassa — annuale, ultimi 5 anni

Conto Economico

	2025-09-30	2024-09-30	2023-09-30	2022-09-30	2021-09-30
Utile netto	$91M	$80M	$75M	$75M	$81M
EPS Diluito	$0.32	$0.28	$0.26	$0.26	$0.29

Flusso di cassa

	2025-09-30	2024-09-30	2023-09-30	2022-09-30	2021-09-30
Flusso di cassa libero	$71M	$86M	$86M	$36M	$82M

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