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WAFD INC (WAFD) Stock Fundamental Analysis

NASDAQ:WAFD - Nasdaq - US9388241096 - Common Stock - Currency: USD

28.47  -0.17 (-0.59%)

Fundamental Rating

4

WAFD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. Both the profitability and financial health of WAFD have multiple concerns. WAFD has a decent growth rate and is not valued too expensively. WAFD also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year WAFD was profitable.
In the past year WAFD had a positive cash flow from operations.
Each year in the past 5 years WAFD has been profitable.
Each year in the past 5 years WAFD had a positive operating cash flow.
WAFD Yearly Net Income VS EBIT VS OCF VS FCFWAFD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

WAFD has a Return On Assets of 0.78%. This is comparable to the rest of the industry: WAFD outperforms 44.05% of its industry peers.
With a Return On Equity value of 7.08%, WAFD is not doing good in the industry: 61.27% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.78%
ROE 7.08%
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
WAFD Yearly ROA, ROE, ROICWAFD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

WAFD's Profit Margin of 29.23% is amongst the best of the industry. WAFD outperforms 81.27% of its industry peers.
WAFD's Profit Margin has declined in the last couple of years.
WAFD does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.23%
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
WAFD Yearly Profit, Operating, Gross MarginsWAFD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

WAFD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WAFD has more shares outstanding
Compared to 5 years ago, WAFD has more shares outstanding
WAFD has a worse debt/assets ratio than last year.
WAFD Yearly Shares OutstandingWAFD Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
WAFD Yearly Total Debt VS Total AssetsWAFD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

2.2 Solvency

The Debt to FCF ratio of WAFD is 0.20, which is an excellent value as it means it would take WAFD, only 0.20 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.20, WAFD belongs to the top of the industry, outperforming 87.09% of the companies in the same industry.
A Debt/Equity ratio of 0.02 indicates that WAFD is not too dependend on debt financing.
WAFD's Debt to Equity ratio of 0.02 is amongst the best of the industry. WAFD outperforms 86.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.2
Altman-Z N/A
ROIC/WACCN/A
WACC14.75%
WAFD Yearly LT Debt VS Equity VS FCFWAFD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WAFD Yearly Current Assets VS Current LiabilitesWAFD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 0.76% over the past year.
The Earnings Per Share has been decreasing by -1.02% on average over the past years.
Looking at the last year, WAFD shows a small growth in Revenue. The Revenue has grown by 5.03% 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)0.76%
EPS 3Y3.3%
EPS 5Y-1.02%
EPS Q2Q%282.35%
Revenue 1Y (TTM)5.03%
Revenue growth 3Y8.45%
Revenue growth 5Y5.83%
Sales Q2Q%1.46%

3.2 Future

Based on estimates for the next years, WAFD will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.46% on average per year.
WAFD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.61% yearly.
EPS Next Y5.98%
EPS Next 2Y11.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.71%
Revenue Next 2Y2.61%
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.
WAFD Yearly Revenue VS EstimatesWAFD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
WAFD Yearly EPS VS EstimatesWAFD Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.74 indicates a reasonable valuation of WAFD.
WAFD's Price/Earnings ratio is a bit cheaper when compared to the industry. WAFD is cheaper than 65.32% of the companies in the same industry.
When comparing the Price/Earnings ratio of WAFD to the average of the S&P500 Index (26.19), we can say WAFD is valued rather cheaply.
A Price/Forward Earnings ratio of 9.24 indicates a reasonable valuation of WAFD.
WAFD's Price/Forward Earnings ratio is in line with the industry average.
WAFD is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.74
Fwd PE 9.24
WAFD Price Earnings VS Forward Price EarningsWAFD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WAFD is valued a bit cheaper than the industry average as 69.37% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.87
EV/EBITDA N/A
WAFD Per share dataWAFD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.8
PEG (5Y)N/A
EPS Next 2Y11.46%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

WAFD has a Yearly Dividend Yield of 3.74%.
WAFD's Dividend Yield is a higher than the industry average which is at 3.45.
Compared to an average S&P500 Dividend Yield of 2.40, WAFD pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.74%

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
WAFD Yearly Dividends per shareWAFD Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

46.11% of the earnings are spent on dividend by WAFD. This is a bit on the high side, but may be sustainable.
The dividend of WAFD is growing, but earnings are growing more, so the dividend growth is sustainable.
DP46.11%
EPS Next 2Y11.46%
EPS Next 3YN/A
WAFD Yearly Income VS Free CF VS DividendWAFD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
WAFD Dividend Payout.WAFD Dividend Payout, showing the Payout Ratio.WAFD Dividend Payout.PayoutRetained Earnings

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WAFD INC

NASDAQ:WAFD (5/30/2025, 1:41:21 PM)

28.47

-0.17 (-0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-11 2025-04-11/amc
Earnings (Next)07-14 2025-07-14/amc
Inst Owners80.73%
Inst Owner Change0.92%
Ins Owners0.95%
Ins Owner Change-1.82%
Market Cap2.28B
Analysts48.89
Price Target29.84 (4.81%)
Short Float %3.35%
Short Ratio4.07
Dividend
Industry RankSector Rank
Dividend Yield 3.74%
Yearly Dividend1.22
Dividend Growth(5Y)9.28%
DP46.11%
Div Incr Years10
Div Non Decr Years10
Ex-Date05-23 2025-05-23 (0.27)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.35%
Min EPS beat(2)-18.71%
Max EPS beat(2)10.01%
EPS beat(4)2
Avg EPS beat(4)4.71%
Min EPS beat(4)-18.71%
Max EPS beat(4)28.44%
EPS beat(8)3
Avg EPS beat(8)-8.34%
EPS beat(12)6
Avg EPS beat(12)-3.75%
EPS beat(16)9
Avg EPS beat(16)-1.09%
Revenue beat(2)0
Avg Revenue beat(2)-5.57%
Min Revenue beat(2)-11.11%
Max Revenue beat(2)-0.03%
Revenue beat(4)1
Avg Revenue beat(4)-3.68%
Min Revenue beat(4)-11.11%
Max Revenue beat(4)1%
Revenue beat(8)1
Avg Revenue beat(8)-4.49%
Revenue beat(12)4
Avg Revenue beat(12)0.47%
Revenue beat(16)8
Avg Revenue beat(16)2.98%
PT rev (1m)-10%
PT rev (3m)-10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.67%
EPS NY rev (1m)0%
EPS NY rev (3m)5.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.42%
Valuation
Industry RankSector Rank
PE 10.74
Fwd PE 9.24
P/S 3.11
P/FCF 8.87
P/OCF 8.11
P/B 0.75
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)2.65
EY9.31%
EPS(NY)3.08
Fwd EY10.82%
FCF(TTM)3.21
FCFY11.27%
OCF(TTM)3.51
OCFY12.33%
SpS9.16
BVpS37.83
TBVpS32.26
PEG (NY)1.8
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.78%
ROE 7.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.23%
GM N/A
FCFM 35.05%
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 RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.2
Debt/EBITDA N/A
Cap/Depr -51.04%
Cap/Sales 3.28%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 119.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.75%
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)0.76%
EPS 3Y3.3%
EPS 5Y-1.02%
EPS Q2Q%282.35%
EPS Next Y5.98%
EPS Next 2Y11.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.03%
Revenue growth 3Y8.45%
Revenue growth 5Y5.83%
Sales Q2Q%1.46%
Revenue Next Year-1.71%
Revenue Next 2Y2.61%
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 1Y-9.73%
FCF growth 3Y13.3%
FCF growth 5Y15.86%
OCF growth 1Y-4.99%
OCF growth 3Y11.78%
OCF growth 5Y13.41%