Is TFS Financial CORP (TFSL) Halal?
Shariah Screening — 5 Standards
Based on financial data from September 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 37.5% | |
| Net Margin | 27.7% | |
| Return on Equity (ROE) | 4.8% | |
| Return on Assets (ROA) | 0.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $82M |
| Free Cash Flow | $71M |
| Total Debt | $4.9B |
| Total Assets | $17.5B |
Price & Trading
| Last Close | $13.69 |
| 50-Day MA | $14.21 |
| 200-Day MA | $13.62 |
| Avg Volume | 750K |
| Beta | 0.7 |
|
52-Week Range
$11.29
| |
About TFS Financial CORP (TFSL)
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
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Frequently Asked Questions
Is TFS Financial CORP (TFSL) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), TFS Financial CORP is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is TFS Financial CORP's debt ratio?
TFS Financial CORP's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are TFS Financial CORP's key financial metrics?
TFS Financial CORP has a market capitalization of $3.8B, trailing P/E ratio of 42.5, and revenue of $321M. Return on equity stands at 4.8%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.