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WAFD INC

Data quality: 100%
WAFDP
Nasdaq Financial Services Depository Institutions
$16.43
▲ $0.01 (0.06%)
Mkt Cap: 1.32 B
Price
$16.42
Mkt Cap
1.32 B
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
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Quick Summary

Key Takeaways

Revenue grew 4.69% annually over 5 years — modest growth
Net margin of 797.71% shows strong profitability
Generating 215.30 M in free cash flow
P/E of 5.42 — trading at a low valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 3.10%
Cash machine — converts 88.60% of earnings into free cash flow

Growth

Revenue Growth (5Y)
4.69%
Below sector avg (5.83%)
Revenue (1Y)7.79%
Earnings (1Y)13.01%
FCF Growth (3Y)2.32%

Quality

Return on Equity
8.04%
Below sector avg (9.24%)
ROICN/A
Net Margin797.71%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
5.42
Below sector avg (11.14)
P/B Ratio0.43
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2607 peers)
Metric Stock Sector Median
P/E 5.4 11.1
P/B 0.4 1.2
ROE % 8.0 9.2
Net Margin % 797.7 9.4
Rev Growth 5Y % 4.7 5.8
D/E — 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 — 797.03 M —
FY2026 — 765.44 M —

All Fundamental Metrics
Growth
Revenue Growth (1Y) 7.79% Revenue Growth (3Y) 6.69%
Earnings Growth (1Y) 13.01% Earnings Growth (3Y) -6.29%
Revenue Growth (5Y) 4.69% Earnings Growth (5Y) 5.34%
Profitability
Revenue (TTM) 30.46 M Net Income (TTM) 243.00 M
ROE 8.04% ROA 0.90%
Gross Margin N/A Operating Margin N/A
Net Margin 797.71% Free Cash Flow (TTM) 215.30 M
ROIC N/A FCF Growth (3Y) 2.32%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.00
Working Capital N/A Tangible Book Value 2.59 B
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 5.42 Forward P/E N/A
P/B Ratio 0.43 P/S Ratio 43.26
PEG Ratio 1.01 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 16.34%
Market Cap 1.32 B Enterprise Value 582.88 M
Per Share
EPS (Diluted TTM) 2.88 Revenue / Share 0.38
FCF / Share 2.68 OCF / Share 3.09
EPS CAGR (1Y) 5.20% EPS CAGR (5Y) 2.42%
EPS CAGR (10Y) 4.43%
Efficiency
CapEx / Revenue 107.35% FCF Conversion 88.60%
SBC-Adj. FCF 206.76 M Growth Momentum 3.10

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 29.65 M 27.51 M 26.05 M 25.94 M 24.69 M
Net Income 226.07 M 200.04 M 257.43 M 236.33 M 183.62 M
EPS (Diluted) 2.63 2.50 3.72 3.39 2.39
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 654.24 M 660.83 M 352.72 M 71.77 M 86.50 M
Income Tax 63.57 M 56.02 M 67.65 M 63.71 M 49.52 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 26.70 B 28.06 B 22.47 B 20.77 B 19.65 B
Total Liabilities 23.66 B 25.06 B 20.05 B 18.50 B 17.52 B
Shareholders' Equity 3.04 B 3.00 B 2.43 B 2.27 B 2.13 B
Total Debt — — — — —
Cash & Equivalents 657.31 M 2.38 B 980.65 M 683.97 M 2.09 B
Current Assets — — — — —
Current Liabilities — — — — —