WAFD Fundamental Analysis - WAFD INC

Fundamental Rating

WAFD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 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.

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1. Profitability

1.1 Basic Checks

In the past year WAFD was profitable.

WAFD had a positive operating cash flow in the past year.

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 (0.79%) which is in line with its industry peers.

WAFD has a Return On Equity of 7.03%. This is in the lower half of the industry: WAFD underperforms 60.05% 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

With a decent Profit Margin value of 29.20%, WAFD is doing good in the industry, outperforming 79.39% of the companies in the same industry.

In the last couple of years the Profit Margin of WAFD has declined.

The Operating Margin and Gross Margin are not available for WAFD so they could not be analyzed.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

WAFD has more shares outstanding than it did 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.

The Debt to FCF ratio of WAFD (0.20) is better than 86.77% of its industry peers.

WAFD has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.02, WAFD belongs to the top of the industry, outperforming 86.01% 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

WACC14.55%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

WAFD shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.62%.

WAFD shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.02% yearly.

Looking at the last year, WAFD shows a small growth in Revenue. The Revenue has grown by 2.11% in the last year.

The Revenue has been growing slightly by 5.83% on average over the past years.

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 quite strong growth in Earnings Per Share. The EPS will grow by 11.69% on average per year.

The Revenue is expected to grow by 5.68% on average over the next years.

EPS Next Y5.77%

EPS Next 2Y11.69%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-1.21%

Revenue Next 2Y5.68%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.06, which indicates a correct valuation of WAFD.

WAFD's Price/Earnings ratio is in line with the industry average.

When comparing the Price/Earnings ratio of WAFD to the average of the S&P500 Index (26.76), we can say WAFD is valued rather cheaply.

With a Price/Forward Earnings ratio of 10.26, the valuation of WAFD can be described as very reasonable.

The rest of the industry has a similar Price/Forward Earnings ratio as WAFD.

The average S&P500 Price/Forward Earnings ratio is at 34.91. WAFD is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.06
Fwd PE	10.26

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of WAFD indicates a somewhat cheap valuation: WAFD is cheaper than 68.96% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.92
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)2.09

PEG (5Y)N/A

EPS Next 2Y11.69%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

WAFD has a Yearly Dividend Yield of 3.67%.

Compared to an average industry Dividend Yield of 3.41, WAFD pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.36, WAFD pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.67%

5.2 History

The dividend of WAFD is nicely growing with an annual growth rate of 9.28%!

WAFD has been paying a dividend for at least 10 years, so it has a reliable track record.

WAFD has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

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 more than its dividend. This makes the dividend growth sustainable.

DP46.83%

EPS Next 2Y11.69%

EPS Next 3YN/A

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WAFD INC

NASDAQ:WAFD (8/22/2025, 4:01:34 PM)

After market: 31.73 0 (0%)

31.73

+1.29 (+4.24%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-17 2025-07-17/amc

Earnings (Next)10-15 2025-10-15/amc

Inst Owners84.19%

Inst Owner Change-2.47%

Ins Owners0.97%

Ins Owner Change0.04%

Market Cap2.50B

Analysts48.89

Price Target32.9 (3.69%)

Short Float %2.61%

Short Ratio3.91

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.67%

Yearly Dividend1.22

Dividend Growth(5Y)9.28%

DP46.83%

Div Incr Years10

Div Non Decr Years10

Ex-Date05-23 2025-05-23 (0.27)

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)9.32%

PT rev (3m)10.26%

EPS NQ rev (1m)8.98%

EPS NQ rev (3m)13.47%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.19%

Revenue NQ rev (1m)2.23%

Revenue NQ rev (3m)0.11%

Revenue NY rev (1m)0.59%

Revenue NY rev (3m)0.5%

Valuation

		Industry Rank	Sector Rank
PE	12.06
Fwd PE	10.26
P/S	3.44
P/FCF	9.92
P/OCF	9.05
P/B	0.83
P/tB	0.97
EV/EBITDA	N/A

EPS(TTM)2.63

EY8.29%

EPS(NY)3.09

Fwd EY9.75%

FCF(TTM)3.2

FCFY10.08%

OCF(TTM)3.51

OCFY11.05%

SpS9.21

BVpS38.26

TBVpS32.62

PEG (NY)2.09

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

WACC14.55%

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 Y5.77%

EPS Next 2Y11.69%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)2.11%

Revenue growth 3Y8.45%

Revenue growth 5Y5.83%

Sales Q2Q%-5.19%

Revenue Next Year-1.21%

Revenue Next 2Y5.68%

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%

WAFD INC (WAFD) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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