WAFD INC (WAFD) Stock Fundamental Analysis
USA - NASDAQ:WAFD - US9388241096 - Common Stock
28.76 USD
-0.35 (-1.2%)
WAFD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. WAFD may be in some trouble as it scores bad on both profitability and health. WAFD is valued correctly, but it does not seem to be growing. WAFD also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
WAFD had positive earnings in the past year.
In the past year WAFD had a positive cash flow from operations.
WAFD had positive earnings in each of the past 5 years.
In the past 5 years WAFD always reported a positive cash flow from operatings.
1.2 Ratios
WAFD has a Return On Assets of 0.79%. This is comparable to the rest of the industry: WAFD outperforms 46.04% of its industry peers.
WAFD's Return On Equity of 7.03% is on the low side compared to the rest of the industry. WAFD is outperformed by 61.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 7.03% | ||
| ROIC | N/A |
ROA(3y)0.94%
ROA(5y)0.92%
ROE(3y)8.65%
ROE(5y)8.54%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
WAFD has a better Profit Margin (29.20%) than 78.77% of its industry peers.
In the last couple of years the Profit Margin of WAFD has declined.
WAFD does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.2% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.74%
PM growth 5Y-7.86%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WAFD does not have a ROIC to compare to the WACC, probably because it is not profitable.
WAFD has more shares outstanding than it did 1 year ago.
The number of shares outstanding for WAFD has been increased compared to 5 years ago.
The debt/assets ratio for WAFD is higher compared to a year ago.
2.2 Solvency
WAFD has a debt to FCF ratio of 0.20. This is a very positive value and a sign of high solvency as it would only need 0.20 years to pay back of all of its debts.
WAFD has a better Debt to FCF ratio (0.20) than 85.68% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that WAFD is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.02, WAFD belongs to the best of the industry, outperforming 85.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.69%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 5.62% over the past year.
Measured over the past years, WAFD shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.02% on average per year.
Looking at the last year, WAFD shows a small growth in Revenue. The Revenue has grown by 2.11% in the last year.
WAFD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.83% yearly.
EPS 1Y (TTM)5.62%
EPS 3Y3.3%
EPS 5Y-1.02%
EPS Q2Q%-2.67%
Revenue 1Y (TTM)2.11%
Revenue growth 3Y8.45%
Revenue growth 5Y5.83%
Sales Q2Q%-5.19%
3.2 Future
Based on estimates for the next years, WAFD will show a small growth in Earnings Per Share. The EPS will grow by 5.03% on average per year.
WAFD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.99% yearly.
EPS Next Y10.29%
EPS Next 2Y13.21%
EPS Next 3Y5.03%
EPS Next 5YN/A
Revenue Next Year-1.09%
Revenue Next 2Y2.99%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.94, which indicates a very decent valuation of WAFD.
Based on the Price/Earnings ratio, WAFD is valued a bit cheaper than 63.43% of the companies in the same industry.
When comparing the Price/Earnings ratio of WAFD to the average of the S&P500 Index (27.69), we can say WAFD is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.05, the valuation of WAFD can be described as reasonable.
WAFD's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. WAFD is cheaper than 62.66% of the companies in the same industry.
WAFD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.18.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.94 | ||
| Fwd PE | 9.05 |
4.2 Price Multiples
73.15% of the companies in the same industry are more expensive than WAFD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.99 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WAFD's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.06
PEG (5Y)N/A
EPS Next 2Y13.21%
EPS Next 3Y5.03%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.39%, WAFD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.57, WAFD pays a better dividend. On top of this WAFD pays more dividend than 95.91% of the companies listed in the same industry.
WAFD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.39% |
5.2 History
On average, the dividend of WAFD grows each year by 9.28%, which is quite nice.
WAFD has paid a dividend for at least 10 years, which is a reliable track record.
WAFD has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.28%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
WAFD pays out 46.83% of its income as dividend. This is a bit on the high side, but may be sustainable.
WAFD's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP46.83%
EPS Next 2Y13.21%
EPS Next 3Y5.03%
NASDAQ:WAFD (10/21/2025, 3:59:07 PM)
28.76
-0.35 (-1.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.64%
Inst Owner Change-0.05%
Ins Owners0.98%
Ins Owner Change-0.01%
Market Cap2.27B
Analysts48.89
Price Target32.9 (14.39%)
Short Float %2.66%
Short Ratio4.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.39% |
Yearly Dividend1.22
Dividend Growth(5Y)9.28%
DP46.83%
Div Incr Years10
Div Non Decr Years10
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.75%
Min EPS beat(2)5.48%
Max EPS beat(2)10.01%
EPS beat(4)2
Avg EPS beat(4)-1.03%
Min EPS beat(4)-18.71%
Max EPS beat(4)10.01%
EPS beat(8)4
Avg EPS beat(8)-6.75%
EPS beat(12)6
Avg EPS beat(12)-4.55%
EPS beat(16)9
Avg EPS beat(16)-1.78%
Revenue beat(2)0
Avg Revenue beat(2)-0.6%
Min Revenue beat(2)-1.17%
Max Revenue beat(2)-0.03%
Revenue beat(4)0
Avg Revenue beat(4)-4.22%
Min Revenue beat(4)-11.11%
Max Revenue beat(4)-0.03%
Revenue beat(8)1
Avg Revenue beat(8)-3.93%
Revenue beat(12)3
Avg Revenue beat(12)-0.98%
Revenue beat(16)7
Avg Revenue beat(16)2.1%
PT rev (1m)0%
PT rev (3m)9.32%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.98%
EPS NY rev (1m)0%
EPS NY rev (3m)4.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.94 | ||
| Fwd PE | 9.05 | ||
| P/S | 3.12 | ||
| P/FCF | 8.99 | ||
| P/OCF | 8.2 | ||
| P/B | 0.75 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.63
EY9.14%
EPS(NY)3.18
Fwd EY11.05%
FCF(TTM)3.2
FCFY11.12%
OCF(TTM)3.51
OCFY12.19%
SpS9.21
BVpS38.26
TBVpS32.62
PEG (NY)1.06
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 7.03% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.2% | ||
| GM | N/A | ||
| FCFM | 34.73% |
ROA(3y)0.94%
ROA(5y)0.92%
ROE(3y)8.65%
ROE(5y)8.54%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.74%
PM growth 5Y-7.86%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.2 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | -49.16% | ||
| Cap/Sales | 3.32% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 118.91% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC14.69%
ROIC/WACCN/A
Cap/Depr(3y)34.13%
Cap/Depr(5y)53.87%
Cap/Sales(3y)2.41%
Cap/Sales(5y)3.64%
Profit Quality(3y)140.43%
Profit Quality(5y)132.63%
High Growth Momentum
Growth
EPS 1Y (TTM)5.62%
EPS 3Y3.3%
EPS 5Y-1.02%
EPS Q2Q%-2.67%
EPS Next Y10.29%
EPS Next 2Y13.21%
EPS Next 3Y5.03%
EPS Next 5YN/A
Revenue 1Y (TTM)2.11%
Revenue growth 3Y8.45%
Revenue growth 5Y5.83%
Sales Q2Q%-5.19%
Revenue Next Year-1.09%
Revenue Next 2Y2.99%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.84%
FCF growth 3Y13.3%
FCF growth 5Y15.86%
OCF growth 1Y21.03%
OCF growth 3Y11.78%
OCF growth 5Y13.41%