16.76 USD
-0.51 (-2.95%)
16.99 USD
+0.23 (+1.37%)
Taking everything into account, WAFDP scores 5 out of 10 in our fundamental rating. WAFDP was compared to 388 industry peers in the Banks industry. While WAFDP seems to be doing ok healthwise, there are quite some concerns on its profitability. WAFDP scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
WAFDP had positive earnings in the past year.
In the past year WAFDP had a positive cash flow from operations.
In the past 5 years WAFDP has always been profitable.
WAFDP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.79%, WAFDP perfoms like the industry average, outperforming 40.98% of the companies in the same industry.
WAFDP has a worse Return On Equity (6.96%) than 66.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 6.96% | ||
| 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 29.15%, WAFDP is in the better half of the industry, outperforming 75.26% of the companies in the same industry.
WAFDP's Profit Margin has been stable in the last couple of years.
WAFDP 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) | 29.15% | ||
| 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
WAFDP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WAFDP has less shares outstanding
WAFDP has more shares outstanding than it did 5 years ago.
WAFDP has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of WAFDP is 0.25, which is an excellent value as it means it would take WAFDP, only 0.25 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.25, WAFDP belongs to the top of the industry, outperforming 85.31% of the companies in the same industry.
A Debt/Equity ratio of 0.02 indicates that WAFDP is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.02, WAFDP belongs to the top of the industry, outperforming 86.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.44%
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.
Measured over the past 5 years, WAFDP shows a small growth in Earnings Per Share. The EPS has been growing by 5.92% on average per year.
WAFDP shows a small growth in Revenue. In the last year, the Revenue has grown by 0.55%.
WAFDP 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
Based on estimates for the next years, WAFDP will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.16% on average per year.
Based on estimates for the next years, WAFDP will show a quite strong growth in Revenue. The Revenue will grow by 10.31% on average per year.
EPS Next Y18.07%
EPS Next 2Y11.16%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 6.35, the valuation of WAFDP can be described as very cheap.
WAFDP's Price/Earnings ratio is rather cheap when compared to the industry. WAFDP is cheaper than 96.39% of the companies in the same industry.
WAFDP is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 5.38, which indicates a rather cheap valuation of WAFDP.
Based on the Price/Forward Earnings ratio, WAFDP is valued cheaply inside the industry as 96.13% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.13. WAFDP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.35 | ||
| Fwd PE | 5.38 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WAFDP is valued cheaper than 88.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WAFDP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.35
PEG (5Y)1.07
EPS Next 2Y11.16%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.26%, WAFDP has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, WAFDP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, WAFDP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
5.2 History
On average, the dividend of WAFDP grows each year by 7.73%, which is quite nice.
WAFDP has been paying a dividend for over 5 years, so it has already some track record.
WAFDP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)7.73%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
46.95% of the earnings are spent on dividend by WAFDP. This is a bit on the high side, but may be sustainable.
WAFDP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP46.95%
EPS Next 2Y11.16%
EPS Next 3YN/A
16.76
-0.51 (-2.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.92%
Inst Owner ChangeN/A
Ins Owners1.04%
Ins Owner ChangeN/A
Market Cap1.29B
Revenue(TTM)725.48M
Net Income(TTM)211.44M
Analysts48.89
Price Target16.45 (-1.85%)
Short Float %0.01%
Short Ratio0.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
Yearly Dividend1.25
Dividend Growth(5Y)7.73%
DP46.95%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.47%
Min EPS beat(2)-8.42%
Max EPS beat(2)5.48%
EPS beat(4)2
Avg EPS beat(4)-2.91%
Min EPS beat(4)-18.71%
Max EPS beat(4)10.01%
EPS beat(8)4
Avg EPS beat(8)-5.19%
EPS beat(12)5
Avg EPS beat(12)-6.56%
EPS beat(16)8
Avg EPS beat(16)-3.06%
Revenue beat(2)0
Avg Revenue beat(2)-2.35%
Min Revenue beat(2)-3.53%
Max Revenue beat(2)-1.17%
Revenue beat(4)0
Avg Revenue beat(4)-3.96%
Min Revenue beat(4)-11.11%
Max Revenue beat(4)-0.03%
Revenue beat(8)1
Avg Revenue beat(8)-3.96%
Revenue beat(12)2
Avg Revenue beat(12)-2.75%
Revenue beat(16)6
Avg Revenue beat(16)1.04%
PT rev (1m)-3.77%
PT rev (3m)-7.07%
EPS NQ rev (1m)0.1%
EPS NQ rev (3m)-2.33%
EPS NY rev (1m)0.29%
EPS NY rev (3m)-1.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.35 | ||
| Fwd PE | 5.38 | ||
| P/S | 1.77 | ||
| P/FCF | 6.17 | ||
| P/OCF | 5.43 | ||
| P/B | 0.42 | ||
| P/tB | 0.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.64
EY15.75%
EPS(NY)3.12
Fwd EY18.6%
FCF(TTM)2.72
FCFY16.2%
OCF(TTM)3.09
OCFY18.43%
SpS9.46
BVpS39.63
TBVpS33.87
PEG (NY)0.35
PEG (5Y)1.07
Graham Number48.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 6.96% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.15% | ||
| GM | N/A | ||
| FCFM | 28.7% |
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 | 0.25 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 295.4% | ||
| Cap/Sales | 3.96% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 98.49% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC19.44%
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)6.45%
EPS 3Y-8%
EPS 5Y5.92%
EPS Q2Q%1.41%
EPS Next Y18.07%
EPS Next 2Y11.16%
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-49.77%
FCF growth 3Y-6.74%
FCF growth 5Y9.1%
OCF growth 1Y-46.05%
OCF growth 3Y-4.08%
OCF growth 5Y7.3%
WAFD INC - WAFD 4 7/8 PERP / WAFDP FAQ
What is the ChartMill fundamental rating of WAFD INC - WAFD 4 7/8 PERP (WAFDP) stock?
ChartMill assigns a fundamental rating of 5 / 10 to WAFDP.
What is the valuation status for WAFDP stock?
ChartMill assigns a valuation rating of 8 / 10 to WAFD INC - WAFD 4 7/8 PERP (WAFDP). This can be considered as Undervalued.
Can you provide the profitability details for WAFD INC - WAFD 4 7/8 PERP?
WAFD INC - WAFD 4 7/8 PERP (WAFDP) has a profitability rating of 3 / 10.
What is the financial health of WAFD INC - WAFD 4 7/8 PERP (WAFDP) stock?
The financial health rating of WAFD INC - WAFD 4 7/8 PERP (WAFDP) is 4 / 10.
Is the dividend of WAFD INC - WAFD 4 7/8 PERP sustainable?
The dividend rating of WAFD INC - WAFD 4 7/8 PERP (WAFDP) is 6 / 10 and the dividend payout ratio is 46.95%.