31.66 USD
-0.61 (-1.89%)
31.66 USD
0 (0%)
Taking everything into account, WAFD scores 4 out of 10 in our fundamental rating. WAFD was compared to 387 industry peers in the Banks industry. While WAFD seems to be doing ok healthwise, there are quite some concerns on its profitability. WAFD has a decent growth rate and is not valued too expensively. 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.
Of the past 5 years WAFD 4 years had a positive operating cash flow.
1.2 Ratios
WAFD has a Return On Assets (0.79%) which is in line with its industry peers.
With a Return On Equity value of 7.03%, WAFD is not doing good in the industry: 66.93% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 7.03% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 29.20%, WAFD is in the better half of the industry, outperforming 76.74% of the companies in the same industry.
WAFD's Profit Margin has been stable 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.2% | ||
| 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
2. Health
2.1 Basic Checks
WAFD does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for WAFD has been reduced compared to 1 year ago.
Compared to 5 years ago, WAFD has more shares outstanding
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.
With an excellent Debt to FCF ratio value of 0.20, WAFD belongs to the best of the industry, outperforming 86.05% 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 has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. WAFD outperforms 85.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.41%
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 6.45% over the past year.
WAFD shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.92% yearly.
The Revenue has been growing slightly by 0.55% in the past year.
WAFD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.45% yearly.
EPS 1Y (TTM)6.45%
EPS 3Y-8%
EPS 5Y5.92%
EPS Q2Q%1.41%
Revenue 1Y (TTM)0.55%
Revenue growth 3Y3.15%
Revenue growth 5Y5.45%
Sales Q2Q%-1.68%
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 10.84% yearly.
The Revenue is expected to grow by 10.31% on average over the next years. This is quite good.
EPS Next Y17.73%
EPS Next 2Y10.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.14%
Revenue Next 2Y10.31%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.99, which indicates a very decent valuation of WAFD.
The rest of the industry has a similar Price/Earnings ratio as WAFD.
WAFD is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.19, which indicates a very decent valuation of WAFD.
The rest of the industry has a similar Price/Forward Earnings ratio as WAFD.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, WAFD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.99 | ||
| Fwd PE | 10.19 |
4.2 Price Multiples
66.93% 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 | 9.63 | ||
| EV/EBITDA | N/A |
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)0.68
PEG (5Y)2.02
EPS Next 2Y10.84%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.66%, WAFD has a reasonable but not impressive dividend return.
WAFD's Dividend Yield is a higher than the industry average which is at 3.33.
WAFD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.66% |
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 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
46.83% of the earnings are spent on dividend by WAFD. This is a bit on the high side, but may be sustainable.
WAFD's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP46.83%
EPS Next 2Y10.84%
EPS Next 3YN/A
31.66
-0.61 (-1.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.64%
Inst Owner Change-3.13%
Ins Owners0.98%
Ins Owner Change2.23%
Market Cap2.43B
Revenue(TTM)725.48M
Net Income(TTM)211.99M
Analysts48.89
Price Target31.62 (-0.13%)
Short Float %2.77%
Short Ratio3.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.66% |
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)-3.88%
PT rev (3m)-3.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.99 | ||
| Fwd PE | 10.19 | ||
| P/S | 3.35 | ||
| P/FCF | 9.63 | ||
| P/OCF | 8.79 | ||
| P/B | 0.81 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.64
EY8.34%
EPS(NY)3.11
Fwd EY9.82%
FCF(TTM)3.29
FCFY10.38%
OCF(TTM)3.6
OCFY11.37%
SpS9.46
BVpS39.3
TBVpS33.51
PEG (NY)0.68
PEG (5Y)2.02
Graham Number48.32
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)0.84%
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 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-Score8
WACC14.41%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.45%
EPS 3Y-8%
EPS 5Y5.92%
EPS Q2Q%1.41%
EPS Next Y17.73%
EPS Next 2Y10.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.55%
Revenue growth 3Y3.15%
Revenue growth 5Y5.45%
Sales Q2Q%-1.68%
Revenue Next Year16.14%
Revenue Next 2Y10.31%
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-37.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-35.08%
OCF growth 3YN/A
OCF growth 5YN/A
WAFD INC / WAFD FAQ
Can you provide the ChartMill fundamental rating for WAFD INC?
ChartMill assigns a fundamental rating of 4 / 10 to WAFD.
Can you provide the valuation status for WAFD INC?
ChartMill assigns a valuation rating of 5 / 10 to WAFD INC (WAFD). This can be considered as Fairly Valued.
Can you provide the profitability details for WAFD INC?
WAFD INC (WAFD) has a profitability rating of 3 / 10.
What is the financial health of WAFD INC (WAFD) stock?
The financial health rating of WAFD INC (WAFD) is 4 / 10.
What is the expected EPS growth for WAFD INC (WAFD) stock?
The Earnings per Share (EPS) of WAFD INC (WAFD) is expected to grow by 17.73% in the next year.