WAFD INC - WAFD 4 7/8 PERP (WAFDP) Fundamental Analysis & Valuation

NASDAQ:WAFDP • US9388243076

Current stock price

16.44 USD
-0.19 (-1.14%)
At close:
16.6 USD
+0.16 (+0.97%)
After Hours:

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

3

1. WAFDP Profitability Analysis

1.1 Basic Checks

  • In the past year WAFDP was profitable.
  • WAFDP had a positive operating cash flow in the past year.
  • WAFDP had positive earnings in each of the past 5 years.
  • WAFDP had a positive operating cash flow in each of the past 5 years.
WAFDP Yearly Net Income VS EBIT VS OCF VS FCFWAFDP 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

  • Looking at the Return On Assets, with a value of 0.84%, WAFDP is doing worse than 60.53% of the companies in the same industry.
  • The Return On Equity of WAFDP (7.54%) is worse than 66.58% 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
WAFDP Yearly ROA, ROE, ROICWAFDP 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

  • WAFDP has a better Profit Margin (30.62%) than 78.16% of its industry peers.
  • In the last couple of years the Profit Margin of WAFDP has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for WAFDP 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
WAFDP Yearly Profit, Operating, Gross MarginsWAFDP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. WAFDP Health Analysis

2.1 Basic Checks

  • WAFDP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • WAFDP has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for WAFDP has been increased compared to 5 years ago.
  • WAFDP has a worse debt/assets ratio than last year.
WAFDP Yearly Shares OutstandingWAFDP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
WAFDP Yearly Total Debt VS Total AssetsWAFDP 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 WAFDP is 0.24, which is an excellent value as it means it would take WAFDP, only 0.24 years of fcf income to pay off all of its debts.
  • WAFDP has a Debt to FCF ratio of 0.24. This is amongst the best in the industry. WAFDP outperforms 87.11% of its industry peers.
  • WAFDP 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, WAFDP belongs to the top of the industry, outperforming 86.84% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Altman-Z N/A
ROIC/WACCN/A
WACC19.53%
WAFDP Yearly LT Debt VS Equity VS FCFWAFDP 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
WAFDP Yearly Current Assets VS Current LiabilitesWAFDP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

More info and screens

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

5

3. WAFDP Growth Analysis

3.1 Past

  • WAFDP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.18%, which is quite impressive.
  • 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.
  • Looking at the last year, WAFDP shows a small growth in Revenue. The Revenue has grown by 2.68% in the last year.
  • WAFDP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.45% yearly.
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.
  • The Revenue is expected to grow by 5.03% on average over the next years.
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.
WAFDP Yearly Revenue VS EstimatesWAFDP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
WAFDP Yearly EPS VS EstimatesWAFDP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

More info and screens

Find the best growth stocksShow best growing peers

8

4. WAFDP Valuation Analysis

4.1 Price/Earnings Ratio

  • WAFDP is valuated cheaply with a Price/Earnings ratio of 5.69.
  • Compared to the rest of the industry, the Price/Earnings ratio of WAFDP indicates a rather cheap valuation: WAFDP is cheaper than 96.32% of the companies listed in the same industry.
  • WAFDP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.23.
  • With a Price/Forward Earnings ratio of 4.98, the valuation of WAFDP can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, WAFDP is valued cheaply inside the industry as 96.84% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 22.51. WAFDP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.69
Fwd PE 4.98
WAFDP Price Earnings VS Forward Price EarningsWAFDP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of WAFDP indicates a rather cheap valuation: WAFDP is cheaper than 89.74% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.79
EV/EBITDA N/A
WAFDP Per share dataWAFDP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)0.29
PEG (5Y)0.96
EPS Next 2Y11.83%
EPS Next 3YN/A

More info and screens

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

6

5. WAFDP Dividend Analysis

5.1 Amount

  • WAFDP has a Yearly Dividend Yield of 3.31%.
  • Compared to an average industry Dividend Yield of 2.78, WAFDP pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.90, WAFDP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.31%

5.2 History

  • The dividend of WAFDP is nicely growing with an annual growth rate of 7.73%!
  • 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
WAFDP Yearly Dividends per shareWAFDP Yearly Dividends per shareYearly Dividends per share 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 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.
DP43.22%
EPS Next 2Y11.83%
EPS Next 3YN/A
WAFDP Yearly Income VS Free CF VS DividendWAFDP 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
WAFDP Dividend Payout.WAFDP Dividend Payout, showing the Payout Ratio.WAFDP Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

WAFDP Fundamentals: All Metrics, Ratios and Statistics

WAFD INC - WAFD 4 7/8 PERP

NASDAQ:WAFDP (3/26/2026, 8:00:02 PM)

After market: 16.6 +0.16 (+0.97%)

16.44

-0.19 (-1.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-15
Earnings (Next)04-09
Inst Owners83.03%
Inst Owner ChangeN/A
Ins Owners1%
Ins Owner ChangeN/A
Market Cap1.25B
Revenue(TTM)745.72M
Net Income(TTM)228.37M
Analysts48.89
Price Target18.19 (10.64%)
Short Float %0.06%
Short Ratio1.78
Dividend
Industry RankSector Rank
Dividend Yield 3.31%
Yearly Dividend1.25
Dividend Growth(5Y)7.73%
DP43.22%
Div Incr Years0
Div Non Decr Years3
Ex-Date03-31
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)6.64%
PT rev (3m)9.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.41%
EPS NY rev (1m)0%
EPS NY rev (3m)1.39%
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 5.69
Fwd PE 4.98
P/S 1.67
P/FCF 5.79
P/OCF 5.03
P/B 0.41
P/tB 0.48
EV/EBITDA N/A
EPS(TTM)2.89
EY17.58%
EPS(NY)3.3
Fwd EY20.08%
FCF(TTM)2.84
FCFY17.26%
OCF(TTM)3.27
OCFY19.89%
SpS9.83
BVpS39.93
TBVpS34.09
PEG (NY)0.29
PEG (5Y)0.96
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
WACC19.53%
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 4 7/8 PERP / WAFDP Fundamental Analysis 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 43.22%.