WaFd, Inc.

WAFD Financial Banks Regional

WaFd, Inc.’s revenue for fiscal 2025 (year ended September 2025) was $1.4 billion, down 1.52% from fiscal 2024. In the quarter to June 2026, revenue grew 1.80%, EPS grew 16.4%, free cash flow grew 33.9% and total debt rose 68.2%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

29.10 0.35 −1.19%
Market cap
$2.2B
P/E
9.1×
Fwd P/E
10.9×
Dividend yield
3.71%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Sep '16 Sep '17 Sep '18 Sep '19 Sep '20 Sep '21 Sep '22 Sep '23 Sep '24 Sep '25
Piotroski F-Score
— 8 6 6 5 6 8 6 5 6
P/E ratio
14.91 17.41 13.09 14.17 9.31 14.30 8.82 6.84 14.05 11.43
P/S ratio
4.18 5.02 4.10 4.06 2.26 3.82 2.67 1.52 1.81 1.72
P/FCF ratio
12.53 17.81 16.33 13.90 8.43 7.83 7.29 7.72 5.87 10.18
P/Operating CF
46.66 52.65 52.99 45.55 29.13 38.43 20.17 20.03 26.78 42.33
P/B ratio
1.23 1.50 1.34 1.46 0.79 1.36 0.99 0.78 0.96 0.89
Price to Tangible BV
1.45 1.77 1.58 1.73 0.94 1.64 1.18 0.91 1.15 1.06
EV/Sales
6.97 8.20 7.27 6.55 3.67 3.25 4.64 3.95 2.43 2.51
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF
18.35 27.44 24.82 20.54 15.59 6.73 12.66 20.23 7.91 14.93
EV/FCF
20.90 29.10 28.93 22.45 13.68 6.66 12.66 20.13 7.88 14.82
Quick Ratio
0.04 0.03 0.02 0.03 0.12 0.13 0.04 0.06 0.11 0.03
Current Ratio
0.96 1.02 1.03 1.02 1.04 1.01 1.03 1.13 1.08 0.96
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets
13.97% 14.59% 14.69% 13.66% 14.37% 8.75% 10.23% 16.24% 11.64% 6.61%
Debt/Equity
1.05 1.11 1.17 1.11 1.34 0.81 0.93 1.50 1.09 0.58
Asset Turnover
0.04 0.04 0.04 0.05 0.04 0.03 0.04 0.05 0.06 0.05
Operating CF/Net income
1.35 1.04 0.94 1.11 0.96 1.81 1.21 0.88 2.37 1.12
Capex/Depreciation
(1.39) (0.25) (0.58) (0.64) 0.58 0.10 0.00 0.05 0.01 0.17
ROE
8.35% 8.72% 10.19% 10.43% 8.57% 9.04% 11.67% 11.84% 7.68% 7.77%
ROA
1.11% 1.15% 1.31% 1.30% 0.98% 0.90% 1.10% 1.12% 0.73% 0.77%
ROIC
4.30% 4.09% 3.96% 4.25% 4.55% 8.30% 5.05% 3.99% 4.12% 4.36%
Return on Tangible Assets
(151.17%) 32.45% 35.17% 39.04% 22.48% 36.72% 28.36% 9.97% 9.42% (31.22%)
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
37.54% 37.92% 39.77% 38.24% 47.62% 50.99% 49.26% 38.11% 32.50% 30.90%
Intangible Assets out of Total Assets
0.02 0.02 0.02 0.02 0.02 0.02 0.01 0.01 0.02 0.02
Share Based Compensation of Revenue
0.61% 0.98% 0.73% 0.72% 0.91% 0.98% 0.93% 0.72% 0.64% 0.60%
Graham Net Nets
(1.03) (0.67) (0.78) (0.69) (1.39) (0.62) (0.84) (0.91) (0.64) (1.16)
Graham Number
29.51 31.46 35.62 38.52 36.37 36.87 48.10 52.25 45.05 45.13
Earnings Yield
6.71% 5.74% 7.64% 7.06% 10.74% 7.00% 11.34% 14.61% 7.12% 8.75%
Free Cash Flow Yield
7.98% 5.61% 6.12% 7.19% 11.86% 12.77% 13.72% 12.96% 17.03% 9.83%
Revenue per Share
6.39 6.76 7.66 9.12 9.23 8.99 11.22 16.80 19.29 17.59
Operating CF per Share
2.43 2.02 2.24 2.91 2.17 4.34 4.11 3.28 5.92 2.96
Capex per Share
(0.30) (0.12) (0.32) (0.25) 0.30 0.05 0.00 0.02 0.02 0.02
Free Cash Flow per Share
2.13 1.91 1.92 2.66 2.47 4.38 4.11 3.30 5.93 2.98
Cash per Share
4.93 3.52 3.16 5.21 22.20 28.83 10.48 15.04 32.07 8.20
Shareholders Equity per Share
21.62 22.56 23.49 25.26 26.25 29.31 34.83 37.22 40.41 37.91
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
21.62 22.56 23.49 25.26 26.25 29.31 34.83 37.22 40.41 37.91
Free Cash Flow
194.64 169.45 163.58 214.11 189.88 317.83 268.51 215.05 440.57 238.64
Working Capital
(390.47) 271.07 311.63 264.51 518.63 217.53 538.58 2,198.50 1,719.89 (938.51)
Capital Expenditures
(27.09) (10.25) (27.13) (19.94) 23.28 3.38 0.04 1.09 1.34 1.69
Net Current Asset Value
(2,513.37) (2,010.56) (2,075.79) (2,043.33) (2,230.83) (1,549.49) (1,636.47) (1,504.05) (1,659.75) (2,815.60)
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales
0.05 0.02 0.04 0.03 (0.03) (0.01) 0.00 0.00 0.00 0.00
Price to Operating Income
9.83 11.78 10.38 11.33 7.30 10.67 6.52 5.11 10.10 8.39
Other line items
Depreciation/Fixed assets
0.07 0.16 0.17 0.11 0.16 0.13 0.26 0.10 0.54 0.04
Cash ROIC
4.32% 3.73% 3.56% 4.55% 2.96% 5.35% 5.28% 3.05% 5.09% 4.37%
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
0.01 0.01 0.01 0.02 0.01 0.01 0.00 0.02 0.04 0.03
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
33,200.42 33,803.84 30,800.26 22,985.76 33,142.20 65,581.56 81,521.43 16,629.77 10,974.46 11,419.41
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Payables
10,616.28 10,717.93 11,111.08 11,688.96 12,885.19 14,660.87 15,785.84 16,049.95 18,722.15 21,405.81
Average Assets
14,728.19 15,070.82 15,559.65 16,170.32 17,634.48 19,222.31 20,211.35 21,623.41 25,267.51 27,380.02
Average Common Equity
1,965.71 1,990.71 2,001.30 2,014.95 2,023.56 1,920.10 1,900.16 2,050.34 2,413.36 2,719.94

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Columns are period end dates