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WAFD INC (WAFD) Stock Fundamental Analysis

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

29.08  +0.48 (+1.68%)

After market: 29.08 0 (0%)

Fundamental Rating

4

Overall WAFD gets a fundamental rating of 4 out of 10. We evaluated WAFD against 398 industry peers in the Banks industry. Both the profitability and financial health of WAFD have multiple concerns. WAFD is not valued too expensively and it also shows a decent growth rate. WAFD also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
WAFD had a positive operating cash flow in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 0.63%, WAFD is doing worse than 65.83% of the companies in the same industry.
Looking at the Return On Equity, with a value of 5.77%, WAFD is doing worse than 70.35% of the companies in the same industry.
Industry RankSector Rank
ROA 0.63%
ROE 5.77%
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 has a Profit Margin of 23.99%. This is comparable to the rest of the industry: WAFD outperforms 52.51% 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) 23.99%
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.
WAFD has more 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 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 0.14, which is an excellent value as it means it would take WAFD, only 0.14 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of WAFD (0.14) is better than 87.94% 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 86.68% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.14
Altman-Z N/A
ROIC/WACCN/A
WACC14.6%
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.
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.
The Revenue has been growing slightly by 5.03% in the past year.
Measured over the past years, WAFD shows a small growth in Revenue. The Revenue has been growing by 5.83% on average per year.
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

WAFD is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.46% yearly.
Based on estimates for the next years, WAFD will show a small growth in Revenue. The Revenue will grow by 2.61% on average per year.
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

The Price/Earnings ratio is 10.97, which indicates a very decent valuation of WAFD.
Based on the Price/Earnings ratio, WAFD is valued a bit cheaper than 62.56% of the companies in the same industry.
When comparing the Price/Earnings ratio of WAFD to the average of the S&P500 Index (28.22), we can say WAFD is valued rather cheaply.
WAFD is valuated reasonably with a Price/Forward Earnings ratio of 9.44.
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 20.86, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.97
Fwd PE 9.44
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 cheaply inside the industry as 87.69% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.61
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates WAFD does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.84
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 3.79%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.52, WAFD pays a bit more dividend than its industry peers.
WAFD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 3.79%

5.2 History

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

53.85% 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.
DP53.85%
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 (5/2/2025, 7:31:34 PM)

After market: 29.08 0 (0%)

29.08

+0.48 (+1.68%)

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 Change-0.13%
Ins Owners0.95%
Ins Owner Change4.48%
Market Cap2.35B
Analysts48.89
Price Target29.84 (2.61%)
Short Float %3.59%
Short Ratio4.33
Dividend
Industry RankSector Rank
Dividend Yield 3.79%
Yearly Dividend1.22
Dividend Growth(5Y)9.28%
DP53.85%
Div Incr Years10
Div Non Decr Years10
Ex-Date02-21 2025-02-21 (0.27)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-9.81%
Min EPS beat(2)-18.71%
Max EPS beat(2)-0.91%
EPS beat(4)1
Avg EPS beat(4)-14.31%
Min EPS beat(4)-66.06%
Max EPS beat(4)28.44%
EPS beat(8)2
Avg EPS beat(8)-11.24%
EPS beat(12)5
Avg EPS beat(12)-4.79%
EPS beat(16)8
Avg EPS beat(16)-2.79%
Revenue beat(2)0
Avg Revenue beat(2)-7.84%
Min Revenue beat(2)-11.11%
Max Revenue beat(2)-4.56%
Revenue beat(4)1
Avg Revenue beat(4)-4.38%
Min Revenue beat(4)-11.11%
Max Revenue beat(4)1%
Revenue beat(8)1
Avg Revenue beat(8)-4.5%
Revenue beat(12)5
Avg Revenue beat(12)0.82%
Revenue beat(16)9
Avg Revenue beat(16)3.77%
PT rev (1m)-10%
PT rev (3m)-25.95%
EPS NQ rev (1m)-0.86%
EPS NQ rev (3m)-14.12%
EPS NY rev (1m)5.92%
EPS NY rev (3m)-9.6%
Revenue NQ rev (1m)-2.73%
Revenue NQ rev (3m)-9.03%
Revenue NY rev (1m)-1.42%
Revenue NY rev (3m)-6.18%
Valuation
Industry RankSector Rank
PE 10.97
Fwd PE 9.44
P/S 3.23
P/FCF 6.61
P/OCF 6.21
P/B 0.78
P/tB 0.91
EV/EBITDA N/A
EPS(TTM)2.65
EY9.11%
EPS(NY)3.08
Fwd EY10.59%
FCF(TTM)4.4
FCFY15.14%
OCF(TTM)4.69
OCFY16.11%
SpS8.99
BVpS37.42
TBVpS31.85
PEG (NY)1.84
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.63%
ROE 5.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.99%
GM N/A
FCFM 48.95%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.14
Debt/EBITDA N/A
Cap/Depr 17.1%
Cap/Sales 3.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 204.02%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.6%
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 1Y19.85%
FCF growth 3Y13.3%
FCF growth 5Y15.86%
OCF growth 1Y22.94%
OCF growth 3Y11.78%
OCF growth 5Y13.41%