Saturday 17 October 2026
Export WAFD’s income statement to Excel — free account
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%
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| Sep '25 | Sep '24 | Sep '23 | Sep '22 | Sep '21 | Sep '20 | Sep '19 | Sep '18 | Sep '17 | Sep '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
6 | 5 | 6 | 8 | 6 | 5 | 6 | 6 | 8 | — |
P/E ratio |
11.43 | 14.05 | 6.84 | 8.82 | 14.30 | 9.31 | 14.17 | 13.09 | 17.41 | 14.91 |
P/S ratio |
1.72 | 1.81 | 1.52 | 2.67 | 3.82 | 2.26 | 4.06 | 4.10 | 5.02 | 4.18 |
P/FCF ratio |
10.18 | 5.87 | 7.72 | 7.29 | 7.83 | 8.43 | 13.90 | 16.33 | 17.81 | 12.53 |
P/Operating CF |
42.33 | 26.78 | 20.03 | 20.17 | 38.43 | 29.13 | 45.55 | 52.99 | 52.65 | 46.66 |
P/B ratio |
0.89 | 0.96 | 0.78 | 0.99 | 1.36 | 0.79 | 1.46 | 1.34 | 1.50 | 1.23 |
Price to Tangible BV |
1.06 | 1.15 | 0.91 | 1.18 | 1.64 | 0.94 | 1.73 | 1.58 | 1.77 | 1.45 |
EV/Sales |
2.51 | 2.43 | 3.95 | 4.64 | 3.25 | 3.67 | 6.55 | 7.27 | 8.20 | 6.97 |
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 |
14.93 | 7.91 | 20.23 | 12.66 | 6.73 | 15.59 | 20.54 | 24.82 | 27.44 | 18.35 |
EV/FCF |
14.82 | 7.88 | 20.13 | 12.66 | 6.66 | 13.68 | 22.45 | 28.93 | 29.10 | 20.90 |
Quick Ratio |
0.03 | 0.11 | 0.06 | 0.04 | 0.13 | 0.12 | 0.03 | 0.02 | 0.03 | 0.04 |
Current Ratio |
0.96 | 1.08 | 1.13 | 1.03 | 1.01 | 1.04 | 1.02 | 1.03 | 1.02 | 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 |
6.61% | 11.64% | 16.24% | 10.23% | 8.75% | 14.37% | 13.66% | 14.69% | 14.59% | 13.97% |
Debt/Equity |
0.58 | 1.09 | 1.50 | 0.93 | 0.81 | 1.34 | 1.11 | 1.17 | 1.11 | 1.05 |
Asset Turnover |
0.05 | 0.06 | 0.05 | 0.04 | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
1.12 | 2.37 | 0.88 | 1.21 | 1.81 | 0.96 | 1.11 | 0.94 | 1.04 | 1.35 |
Capex/Depreciation |
0.17 | 0.01 | 0.05 | 0.00 | 0.10 | 0.58 | (0.64) | (0.58) | (0.25) | (1.39) |
| 7.77% | 7.68% | 11.84% | 11.67% | 9.04% | 8.57% | 10.43% | 10.19% | 8.72% | 8.35% | |
| 0.77% | 0.73% | 1.12% | 1.10% | 0.90% | 0.98% | 1.30% | 1.31% | 1.15% | 1.11% | |
ROIC |
4.36% | 4.12% | 3.99% | 5.05% | 8.30% | 4.55% | 4.25% | 3.96% | 4.09% | 4.30% |
Return on Tangible Assets |
(31.22%) | 9.42% | 9.97% | 28.36% | 36.72% | 22.48% | 39.04% | 35.17% | 32.45% | (151.17%) |
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 |
30.90% | 32.50% | 38.11% | 49.26% | 50.99% | 47.62% | 38.24% | 39.77% | 37.92% | 37.54% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.60% | 0.64% | 0.72% | 0.93% | 0.98% | 0.91% | 0.72% | 0.73% | 0.98% | 0.61% |
Graham Net Nets |
(1.16) | (0.64) | (0.91) | (0.84) | (0.62) | (1.39) | (0.69) | (0.78) | (0.67) | (1.03) |
Graham Number |
45.13 | 45.05 | 52.25 | 48.10 | 36.87 | 36.37 | 38.52 | 35.62 | 31.46 | 29.51 |
Earnings Yield |
8.75% | 7.12% | 14.61% | 11.34% | 7.00% | 10.74% | 7.06% | 7.64% | 5.74% | 6.71% |
Free Cash Flow Yield |
9.83% | 17.03% | 12.96% | 13.72% | 12.77% | 11.86% | 7.19% | 6.12% | 5.61% | 7.98% |
Revenue per Share |
17.59 | 19.29 | 16.80 | 11.22 | 8.99 | 9.23 | 9.12 | 7.66 | 6.76 | 6.39 |
Operating CF per Share |
2.96 | 5.92 | 3.28 | 4.11 | 4.34 | 2.17 | 2.91 | 2.24 | 2.02 | 2.43 |
Capex per Share |
0.02 | 0.02 | 0.02 | 0.00 | 0.05 | 0.30 | (0.25) | (0.32) | (0.12) | (0.30) |
Free Cash Flow per Share |
2.98 | 5.93 | 3.30 | 4.11 | 4.38 | 2.47 | 2.66 | 1.92 | 1.91 | 2.13 |
Cash per Share |
8.20 | 32.07 | 15.04 | 10.48 | 28.83 | 22.20 | 5.21 | 3.16 | 3.52 | 4.93 |
Shareholders Equity per Share |
37.91 | 40.41 | 37.22 | 34.83 | 29.31 | 26.25 | 25.26 | 23.49 | 22.56 | 21.62 |
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 |
37.91 | 40.41 | 37.22 | 34.83 | 29.31 | 26.25 | 25.26 | 23.49 | 22.56 | 21.62 |
Free Cash Flow |
238.64 | 440.57 | 215.05 | 268.51 | 317.83 | 189.88 | 214.11 | 163.58 | 169.45 | 194.64 |
Working Capital |
(938.51) | 1,719.89 | 2,198.50 | 538.58 | 217.53 | 518.63 | 264.51 | 311.63 | 271.07 | (390.47) |
Capital Expenditures |
1.69 | 1.34 | 1.09 | 0.04 | 3.38 | 23.28 | (19.94) | (27.13) | (10.25) | (27.09) |
Net Current Asset Value |
(2,815.60) | (1,659.75) | (1,504.05) | (1,636.47) | (1,549.49) | (2,230.83) | (2,043.33) | (2,075.79) | (2,010.56) | (2,513.37) |
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 |
0.00 | 0.00 | 0.00 | 0.00 | (0.01) | (0.03) | 0.03 | 0.04 | 0.02 | 0.05 |
Price to Operating Income |
8.39 | 10.10 | 5.11 | 6.52 | 10.67 | 7.30 | 11.33 | 10.38 | 11.78 | 9.83 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.04 | 0.54 | 0.10 | 0.26 | 0.13 | 0.16 | 0.11 | 0.17 | 0.16 | 0.07 |
Cash ROIC |
4.37% | 5.09% | 3.05% | 5.28% | 5.35% | 2.96% | 4.55% | 3.56% | 3.73% | 4.32% |
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 |
0.03 | 0.04 | 0.02 | 0.00 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 |
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 |
11,419.41 | 10,974.46 | 16,629.77 | 81,521.43 | 65,581.56 | 33,142.20 | 22,985.76 | 30,800.26 | 33,803.84 | 33,200.42 |
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 |
21,405.81 | 18,722.15 | 16,049.95 | 15,785.84 | 14,660.87 | 12,885.19 | 11,688.96 | 11,111.08 | 10,717.93 | 10,616.28 |
Average Assets |
27,380.02 | 25,267.51 | 21,623.41 | 20,211.35 | 19,222.31 | 17,634.48 | 16,170.32 | 15,559.65 | 15,070.82 | 14,728.19 |
Average Common Equity |
2,719.94 | 2,413.36 | 2,050.34 | 1,900.16 | 1,920.10 | 2,023.56 | 2,014.95 | 2,001.30 | 1,990.71 | 1,965.71 |
Columns are period end dates