{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "816e792d-323c-4064-b6fe-b4900197b07e",
    "symbol": "TFSL",
    "name": "TFS Financial Corporation",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/816e792d-323c-4064-b6fe-b4900197b07e/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "816e792d-323c-4064-b6fe-b4900197b07e",
      "symbol": "TFSL",
      "name": "TFS Financial Corporation",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "TFSL",
    "market_cap_usd": 4604695755.22,
    "price": 16.92,
    "currency": "USD",
    "dividend_yield": 0.0673,
    "dividend_years": 15,
    "dividend_growth_5y": 0.00213373,
    "dividend_cut_5y": false,
    "payout_ratio": 0.034242,
    "net_income": 90959000.0,
    "free_cash_flow": 70966000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 2.58750985,
    "revenue_growth_5y": 0.09263243,
    "net_margin": 0.27771,
    "roe": 0.04872,
    "pe_ratio": 51.272724,
    "price_vs_ma": 0.19614593,
    "return_3y": 0.77849367,
    "return_5y": 0.21905459,
    "max_drawdown": -0.42940025,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 17.0,
      "business_quality": 21.5,
      "valuation": 10.5,
      "trend": 13.5,
      "total": 87.5,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [
      "Debt to equity is elevated at 2.59."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/",
      "chart": "https://sharemaestro.com/terminal/816e792d-323c-4064-b6fe-b4900197b07e/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 17.0,
    "business_quality": 21.5,
    "valuation": 10.5,
    "trend": 13.5,
    "total": 87.5,
    "confidence": 100.0
  },
  "warnings": [
    "Debt to equity is elevated at 2.59."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend review warning",
      "detail": "Debt to equity is elevated at 2.59.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL qualified as a dividend compounder candidate",
      "detail": "Score 87.5/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2026-06-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2026-03-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2025-12-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2025-09-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2025-06-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2025-03-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2024-12-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2024-09-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2024-06-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2024-03-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2023-11-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2023-09-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "TFSL dividend payment 0.283 USD",
      "detail": "Recorded dividend payment for TFS Financial Corporation.",
      "amount": 0.283,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2019-08-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 8.0%",
      "detail": "Payment changed from 0.25 to 0.27.",
      "amount": 0.27,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2018-09-07",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 47.1%",
      "detail": "Payment changed from 0.17 to 0.25.",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2017-09-08",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 36.0%",
      "detail": "Payment changed from 0.125 to 0.17.",
      "amount": 0.17,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2016-09-01",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 25.0%",
      "detail": "Payment changed from 0.1 to 0.125.",
      "amount": 0.125,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2015-09-03",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 42.9%",
      "detail": "Payment changed from 0.07 to 0.1.",
      "amount": 0.1,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    },
    {
      "event_date": "2009-02-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TFSL",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 40.0%",
      "detail": "Payment changed from 0.05 to 0.07.",
      "amount": 0.07,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/816e792d-323c-4064-b6fe-b4900197b07e/"
    }
  ]
}