TFSL vs SPY

Comparison between TFS Financial Corporation (TFSL, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed TFSL, delivering a return of +13.9% compared to +1.4%

TFSL vs SPY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	TFSL(COMPANY)	SPY(ETF)
Market Cap / Net Assets	$4.41B	$735B
Expense Ratio	N/A	0.09%
Max Drawdown	50.93%	56.47%
Sharpe Ratio	1.05	1.72
5Y Beta	0.64	1.00
Industry	Banks - Regional	N/A
P/E Ratio	47.45	28.68
Forward P/E	76.92	22.00
PEG Ratio	3.38	N/A
Dividend Yield	7.32%	N/A
5Y Dividends CAGR	0.18%	5.43%
5Y EPS CAGR	1.00%	26.37%
Debt to Equity	0.00%	34.04%
Free Cash Flow Yield	1.86%	N/A
P/S Ratio	13.17	3.85
P/B Ratio	2.25	5.68

Market Cap / Net Assets

TFSL

$4.41B

Winner

SPY

$735B

Expense Ratio

TFSL

N/A

SPY

0.09%

Max Drawdown

Winner

TFSL

50.93%

SPY

56.47%

Sharpe Ratio

TFSL

1.05

Winner

SPY

1.72

5Y Beta

Winner

TFSL

0.64

SPY

1.00

Industry

TFSL

Banks - Regional

SPY

N/A

P/E Ratio

TFSL

47.45

Winner

SPY

28.68

Forward P/E

TFSL

76.92

Winner

SPY

22.00

PEG Ratio

TFSL

3.38

SPY

N/A

Dividend Yield

TFSL

7.32%

SPY

N/A

5Y Dividends CAGR

TFSL

0.18%

Winner

SPY

5.43%

5Y EPS CAGR

TFSL

1.00%

Winner

SPY

26.37%

Debt to Equity

Winner

TFSL

0.00%

SPY

34.04%

Free Cash Flow Yield

TFSL

1.86%

SPY

N/A

P/S Ratio

TFSL

13.17

Winner

SPY

3.85

P/B Ratio

Winner

TFSL

2.25

SPY

5.68

TFSL vs SPY - Historical Returns

Returns include dividend reinvestment.

Period	TFSL	SPY
1 month	+7.09%	+5.49%
3 months	+7.66%	+8.03%
6 months	+16.33%	+13.34%
1 year	+30.51%	+28.89%
5 years(CAGR)	+1.45%	+13.90%
10 years(CAGR)	+5.29%	+15.59%
Max(CAGR)	+5.53%	+8.51%

Winner

TFSL

+7.09%

SPY

+5.49%

TFSL

+7.66%

Winner

SPY

+8.03%

Winner

TFSL

+16.33%

SPY

+13.34%

Winner

TFSL

+30.51%

SPY

+28.89%

5Y(CAGR)

TFSL

+1.45%

Winner

SPY

+13.90%

10Y(CAGR)

TFSL

+5.29%

Winner

SPY

+15.59%

Max(CAGR)

TFSL

+5.53%

Winner

SPY

+8.51%

TFSL vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	TFSL	SPY
2026	+19.32%	+9.02%
2025	+17.30%	+18.00%
2024	-6.30%	+25.59%
2023	+11.06%	+26.72%
2022	-13.71%	-18.64%
2021	+6.76%	+30.52%
2020	-4.53%	+17.28%
2019	+28.21%	+31.09%
2018	+15.14%	-5.24%
2017	-18.44%	+20.78%
2016	+6.03%	+13.59%
2015	+30.82%	+1.31%
2014	+25.12%	+14.56%
2013	+23.37%	+29.00%
2012	+6.65%	+14.17%
2011	-2.29%	+0.85%
2010	-25.10%	+13.14%
2009	-3.41%	+22.67%
2008	+10.73%	-36.25%
2007	+1.27%	+5.32%
2006	N/A	+13.85%
2005	N/A	+5.32%
2004	N/A	+10.75%
2003	N/A	+24.18%
2002	N/A	-22.42%
2001	N/A	-10.13%
2000	N/A	-8.84%
1999	N/A	+8.61%

TFSL vs SPY Drawdown Comparison

The maximum drawdown for TFSL was -45.52%, occurring on Sep 22, 2011. Recovery took 1053 trading sessions.

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current SPY drawdown is -0.73%.

Rank	TFSL	SPY
#1	-45.52% Apr 22, 2010 - Jun 27, 2014	-55.20% Oct 9, 2007 - Aug 16, 2012
#2	-42.89% Jun 4, 2021 - May 14, 2026	-47.50% Mar 24, 2000 - Oct 26, 2006
#3	-42.39% Mar 4, 2020 - Mar 5, 2021	-33.70% Feb 19, 2020 - Aug 10, 2020
#4	-26.79% Oct 9, 2007 - Sep 19, 2008	-24.50% Jan 3, 2022 - Dec 13, 2023
#5	-24.51% Dec 9, 2016 - Jun 7, 2019	-19.34% Sep 20, 2018 - Apr 12, 2019
#6	-22.96% Nov 5, 2008 - Mar 11, 2010	-18.76% Feb 19, 2025 - Jun 26, 2025
#7	-18.88% Dec 16, 2015 - Nov 25, 2016	-13.02% Jul 20, 2015 - Apr 18, 2016
#8	-14.57% May 16, 2007 - Sep 21, 2007	-10.10% Jan 26, 2018 - Aug 6, 2018
#9	-9.51% Sep 19, 2008 - Nov 5, 2008	-9.44% Sep 2, 2020 - Nov 11, 2020
#10	-9.23% Mar 8, 2021 - May 13, 2021	-9.30% Jan 19, 2000 - Mar 17, 2000
#11	-8.99% Aug 17, 2015 - Oct 8, 2015	-9.05% Jul 19, 2007 - Oct 5, 2007
#12	-8.09% Feb 21, 2020 - Mar 4, 2020	-8.88% Jan 27, 2026 - Apr 14, 2026
#13	-8.01% Jun 27, 2014 - Sep 2, 2014	-8.41% Jul 16, 2024 - Sep 19, 2024
#14	-7.82% Nov 24, 2014 - Jun 5, 2015	-7.35% Sep 14, 2012 - Jan 2, 2013
#15	-5.15% Jul 26, 2019 - Sep 17, 2019	-7.27% Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between TFSL and SPY is 0.87 which considered as a strong positive correlation - the stocks tend to move together.

0.87

-101

Dividend Comparison (1999 - 2026)

TFSL vs SPY dividend yield comparison.

Year	TFSL	SPY
2026	1.78%	0.24%
2025	8.45%	1.07%
2024	9.00%	1.21%
2023	7.69%	1.40%
2022	7.84%	1.65%
2021	6.30%	1.20%
2020	6.35%	1.52%
2019	5.28%	1.75%
2018	5.21%	2.04%
2017	3.95%	1.80%
2016	2.36%	2.03%
2015	1.81%	2.06%
2014	0.94%	1.87%
2013	0.00%	1.81%
2012	0.00%	2.18%
2011	0.00%	2.05%
2010	1.55%	1.80%
2009	2.31%	1.95%
2008	1.55%	3.02%
2007	0.00%	1.85%
2006	0.00%	1.73%
2005	0.00%	1.73%
2004	0.00%	1.82%
2003	0.00%	1.47%
2002	0.00%	1.70%
2001	0.00%	1.25%
2000	0.00%	1.15%
1999	0.00%	0.24%