WAFD INC (WAFD) Fundamental Analysis & Valuation

NASDAQ:WAFD • US9388241096

Current stock price

32.54 USD
-0.63 (-1.9%)
At close:
32.54 USD
0 (0%)
After Hours:

This WAFD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. WAFD Profitability Analysis

1.1 Basic Checks

  • WAFD had positive earnings in the past year.
  • In the past year WAFD had a positive cash flow from operations.
  • In the past 5 years WAFD has always been profitable.
  • In the past 5 years WAFD always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • WAFD has a Return On Assets of 0.84%. This is in the lower half of the industry: WAFD underperforms 63.16% of its industry peers.
  • WAFD has a worse Return On Equity (7.54%) than 67.63% of its industry peers.
Industry RankSector Rank
ROA 0.84%
ROE 7.54%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.9%
ROE(3y)7.71%
ROE(5y)8.21%
ROIC(3y)N/A
ROIC(5y)N/A
WAFD Yearly ROA, ROE, ROICWAFD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • WAFD's Profit Margin of 30.62% is fine compared to the rest of the industry. WAFD outperforms 77.63% of its industry peers.
  • In the last couple of years the Profit Margin of WAFD has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for WAFD so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.62%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.57%
PM growth 5Y-1.33%
GM growth 3YN/A
GM growth 5YN/A
WAFD Yearly Profit, Operating, Gross MarginsWAFD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. WAFD Health Analysis

2.1 Basic Checks

  • WAFD does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • WAFD has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, WAFD has more shares outstanding
  • Compared to 1 year ago, WAFD has a worse debt to assets ratio.
WAFD Yearly Shares OutstandingWAFD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
WAFD Yearly Total Debt VS Total AssetsWAFD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • The Debt to FCF ratio of WAFD is 0.24, which is an excellent value as it means it would take WAFD, only 0.24 years of fcf income to pay off all of its debts.
  • WAFD has a better Debt to FCF ratio (0.24) than 87.11% 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.
  • WAFD has a better Debt to Equity ratio (0.02) than 87.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Altman-Z N/A
ROIC/WACCN/A
WACC16.54%
WAFD Yearly LT Debt VS Equity VS FCFWAFD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. WAFD Growth Analysis

3.1 Past

  • WAFD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.18%, which is quite impressive.
  • WAFD shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.92% yearly.
  • WAFD shows a small growth in Revenue. In the last year, the Revenue has grown by 2.68%.
  • The Revenue has been growing slightly by 5.45% on average over the past years.
EPS 1Y (TTM)33.18%
EPS 3Y-8%
EPS 5Y5.92%
EPS Q2Q%46.3%
Revenue 1Y (TTM)2.68%
Revenue growth 3Y3.15%
Revenue growth 5Y5.45%
Sales Q2Q%10.09%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.83% on average over the next years. This is quite good.
  • WAFD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.03% yearly.
EPS Next Y19.37%
EPS Next 2Y11.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.92%
Revenue Next 2Y5.03%
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.
WAFD Yearly Revenue VS EstimatesWAFD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
WAFD Yearly EPS VS EstimatesWAFD Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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6

4. WAFD Valuation Analysis

4.1 Price/Earnings Ratio

  • WAFD is valuated reasonably with a Price/Earnings ratio of 11.26.
  • Compared to the rest of the industry, the Price/Earnings ratio of WAFD indicates a somewhat cheap valuation: WAFD is cheaper than 69.21% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of WAFD to the average of the S&P500 Index (26.78), we can say WAFD is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.86, the valuation of WAFD can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WAFD indicates a somewhat cheap valuation: WAFD is cheaper than 68.95% of the companies listed 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 23.54.
Industry RankSector Rank
PE 11.26
Fwd PE 9.86
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 61.05% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.47
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

  • WAFD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.58
PEG (5Y)1.9
EPS Next 2Y11.83%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. WAFD Dividend Analysis

5.1 Amount

  • WAFD has a Yearly Dividend Yield of 3.26%. Purely for dividend investing, there may be better candidates out there.
  • WAFD's Dividend Yield is a higher than the industry average which is at 2.59.
  • WAFD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 3.26%

5.2 History

  • The dividend of WAFD is nicely growing with an annual growth rate of 7.73%!
  • WAFD has been paying a dividend for at least 10 years, so it has a reliable track record.
  • WAFD has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.73%
Div Incr Years11
Div Non Decr Years11
WAFD Yearly Dividends per shareWAFD Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 43.22% 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.
DP43.22%
EPS Next 2Y11.83%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
WAFD Dividend Payout.WAFD Dividend Payout, showing the Payout Ratio.WAFD Dividend Payout.PayoutRetained Earnings

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WAFD Fundamentals: All Metrics, Ratios and Statistics

WAFD INC

NASDAQ:WAFD (4/10/2026, 8:00:02 PM)

After market: 32.54 0 (0%)

32.54

-0.63 (-1.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-09
Earnings (Next)07-15
Inst Owners83.13%
Inst Owner Change0%
Ins Owners1.01%
Ins Owner Change4.42%
Market Cap2.47B
Revenue(TTM)745.72M
Net Income(TTM)228.37M
Analysts48.89
Price Target34.04 (4.61%)
Short Float %3.71%
Short Ratio4.07
Dividend
Industry RankSector Rank
Dividend Yield 3.26%
Yearly Dividend1.25
Dividend Growth(5Y)7.73%
DP43.22%
Div Incr Years11
Div Non Decr Years11
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.78%
Min EPS beat(2)-8.42%
Max EPS beat(2)2.86%
EPS beat(4)3
Avg EPS beat(4)2.48%
Min EPS beat(4)-8.42%
Max EPS beat(4)10.01%
EPS beat(8)4
Avg EPS beat(8)-5.91%
EPS beat(12)5
Avg EPS beat(12)-6.67%
EPS beat(16)8
Avg EPS beat(16)-2.97%
Revenue beat(2)0
Avg Revenue beat(2)-7.32%
Min Revenue beat(2)-11.1%
Max Revenue beat(2)-3.53%
Revenue beat(4)0
Avg Revenue beat(4)-3.96%
Min Revenue beat(4)-11.1%
Max Revenue beat(4)-0.03%
Revenue beat(8)1
Avg Revenue beat(8)-4.17%
Revenue beat(12)1
Avg Revenue beat(12)-4.32%
Revenue beat(16)5
Avg Revenue beat(16)-0.37%
PT rev (1m)0%
PT rev (3m)5.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.16%
EPS NY rev (1m)0%
EPS NY rev (3m)1.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-8.8%
Valuation
Industry RankSector Rank
PE 11.26
Fwd PE 9.86
P/S 3.31
P/FCF 11.47
P/OCF 9.95
P/B 0.81
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)2.89
EY8.88%
EPS(NY)3.3
Fwd EY10.15%
FCF(TTM)2.84
FCFY8.72%
OCF(TTM)3.27
OCFY10.05%
SpS9.83
BVpS39.93
TBVpS34.09
PEG (NY)0.58
PEG (5Y)1.9
Graham Number50.96
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 7.54%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.62%
GM N/A
FCFM 28.87%
ROA(3y)0.84%
ROA(5y)0.9%
ROE(3y)7.71%
ROE(5y)8.21%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.57%
PM growth 5Y-1.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Debt/EBITDA N/A
Cap/Depr 336.51%
Cap/Sales 4.39%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 94.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.54%
ROIC/WACCN/A
Cap/Depr(3y)126.46%
Cap/Depr(5y)96.96%
Cap/Sales(3y)3.14%
Cap/Sales(5y)3.28%
Profit Quality(3y)134.66%
Profit Quality(5y)136.79%
High Growth Momentum
Growth
EPS 1Y (TTM)33.18%
EPS 3Y-8%
EPS 5Y5.92%
EPS Q2Q%46.3%
EPS Next Y19.37%
EPS Next 2Y11.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.68%
Revenue growth 3Y3.15%
Revenue growth 5Y5.45%
Sales Q2Q%10.09%
Revenue Next Year5.92%
Revenue Next 2Y5.03%
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-9.18%
FCF growth 3Y-6.74%
FCF growth 5Y9.1%
OCF growth 1Y-3.92%
OCF growth 3Y-4.08%
OCF growth 5Y7.3%

WAFD INC / WAFD Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for WAFD INC?

ChartMill assigns a fundamental rating of 4 / 10 to WAFD.


What is the valuation status of WAFD INC (WAFD) stock?

ChartMill assigns a valuation rating of 5 / 10 to WAFD INC (WAFD). This can be considered as Fairly Valued.


What is the profitability of WAFD stock?

WAFD INC (WAFD) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for WAFD stock?

The Earnings per Share (EPS) of WAFD INC (WAFD) is expected to grow by 19.37% in the next year.


Can you provide the dividend sustainability for WAFD stock?

The dividend rating of WAFD INC (WAFD) is 8 / 10 and the dividend payout ratio is 43.22%.