TFC
ConsumerValuation Breakdown
A classic Discounted Cash Flow model built on Free Cash Flow (FCF), the actual cash a business generates after all operating expenses and capital expenditures. Future FCF is projected for 10 years with gradually decaying growth, then discounted back to today's value using WACC. This is the gold standard of intrinsic valuation: it values the company based on what it can actually deliver to shareholders, independent of market sentiment.
Valuation Track Record
Retroactive intrinsic value vs actual close price — TFC
Earnings Quality
Fiscal year 2025
Financial Forensics
Beneish M-Score · 2025
The Beneish M-Score of -2.0987 indicates a lower likelihood of earnings manipulation, as it is below the manipulation threshold of -1.78. However, the earnings quality score of 46.4/100, particularly low cash conversion and revenue quality, raises concerns about the sustainability of reported earnings.
- Earnings Quality Score of 46.4/100, with cash conversion at only 32.1/100, suggests potential issues with the reliability of earnings.
- Revenue quality score of 0.0/100 indicates that revenue recognition practices may be aggressive or misleading.
- Beneish M-Score of -2.0987 is below the threshold, suggesting a lower likelihood of earnings manipulation.
- Strong receivables quality score of 100.0/100 indicates effective management of receivables.
The concentrated ownership structure, with the top four shareholders holding over 68% of shares, poses a risk of governance issues and potential conflicts of interest, particularly in decision-making processes.
Investors should conduct further due diligence on revenue recognition practices and monitor cash flow closely. Consider a cautious approach to investment until earnings quality improves.
Generated by AI based on quantitative data. Not financial advice.
Quantitative Scores
Key Ratios
Company Overview
// OWNERSHIP_NETWORK
> mapping common ownership for TFC — hover nodes for intel, click to navigate