PFS vs TFSL: stock comparison and AI forecast
Provident Financial Services Inc (PFS) and Tfs Financial Corp (TFSL) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
PFS Provident Financial Services Inc
- Price
- $22.94 +1.1% · 6M
- Market Cap
- $2.99B
- P/E Ratio
- 10.1x
- Size
- mid-cap
- AI Forecast
TFSL Tfs Financial Corp
- Market Cap
- $4.63B
- P/E Ratio
- 47.2x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- TFSL is 1.5 times larger than PFS by market capitalization ($4.63B against $2.99B).
- PFS trades at 10.1 times trailing earnings, TFSL at 47.2 times.
- PFS turns 35.0% of its revenue into net income, against 29.4% for TFSL.
- TFSL carries 8.23 times debt per unit of equity, against 7.83 times for PFS.
- PFS yields 4.16% in dividends and TFSL 1.29%.
- Both companies share the SEC industry classification Savings Institution, Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | PFS | TFSL |
|---|---|---|
| Market Cap | $2.99B | $4.63B |
| P/E Ratio | 10.06x | 47.20x |
| P/B Ratio | 1.03x | 2.37x |
| Dividend Yield | 4.16% | 1.29% |
| EPS | $2.28 | $0.35 |
| Book Value/Share | $22.29 | $6.98 |
| Revenue/Share | $6.86 | $1.24 |
| FCF/Share | $2.69 | $0.31 |
Profitability & Margins
| Metric | PFS | TFSL |
|---|---|---|
| ROE | 10.8% | 5.2% |
| ROA | 1.2% | 0.6% |
| Net Margin | 35.0% | 29.4% |
| EBT Margin | 48.1% | 37.3% |
| Tax Rate | 27.3% | 21.2% |
Financial Health
| Metric | PFS | TFSL |
|---|---|---|
| D/E Ratio | 7.83x | 8.23x |
| Financial Leverage | 8.83x | 9.23x |
Cash Flow
| Metric | PFS | TFSL |
|---|---|---|
| Operating Cash Flow | $370M | $98M |
| Free Cash Flow | $350M | $86M |
| Capital Spending | -$20M | -$12M |
| OCF Growth YoY | -36.5% | 180.7% |
| FCF Growth YoY | -39.5% | 247.6% |
| FCF/Sales | 39.2% | 24.9% |
| CapEx/Sales | 2.2% | 3.3% |
Operational Efficiency
| Metric | PFS | TFSL |
|---|---|---|
| Asset Turnover | 0.03x | 0.02x |
| Fixed Assets Turnover | 8.0x | 7.6x |
Income Statement
| Metric | PFS | TFSL |
|---|---|---|
| Total Revenue | $894M | $347M |
| Net Income | $313M | $102M |
Dividend & Shareholder Information
| Metric | PFS | TFSL |
|---|---|---|
| Dividends Per Share | $0.95 | $0.21 |
| Payout Ratio | 41.7% | 60.0% |
| Shares Outstanding | 130M | 280M |
| Net Income Growth | 35.4% | 22.7% |
| EPS Growth | 33.3% | 20.7% |
PFS vs TFSL: stock comparison and AI forecast
Which is bigger, PFS or TFSL?
TFSL is 1.5 times larger than PFS by market capitalization ($4.63B against $2.99B).
Which is cheaper on earnings, PFS or TFSL?
PFS trades at 10.1 times trailing earnings, TFSL at 47.2 times.
Which one does Intratio's AI model rank higher, PFS or TFSL?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.