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WAFD INC

WAFD

$37.15 ▼ -0.32 (-0.84%) at close

19 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

WAFD INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $3.0B

Dividend Yield 2.88%

Revenue Growth 0.5% ↗

Op. Margin 39.9% ↗

ROIC None

FCF / Share None

Trailing P/E 14.1x

Price / Book 1.0x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$725.48M

↑ +0.5% —

Net Income Profit after all expenses

$226.07M

↑ +13.0% —

Operating Margin Operating profit as % of sales

39.9%

↑ +12.5% 94th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.07 Latest / share

+3.9% YoY

+8.0% 12-yr CAGR

$0.46

FY 2014

$0.54

FY 2015

$0.55

FY 2016

$0.84

FY 2017

$0.67

FY 2018

$0.79

FY 2019

$0.87

FY 2020

$0.91

FY 2021

$0.95

FY 2022

$0.99

FY 2023

$1.03

FY 2024

$1.07

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Revenue Growth YoY (%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	-2.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-147%)	12.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+105%)	16.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+181%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-72%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-60%)	5.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	6.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+10%)	3.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-40%)	2.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-51%)	4.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-33%)	8.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+42%)	-33.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-662%)	-9.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-259%)	-14.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-341%)	99.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1565%)	60.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+905%)	—	—
EPS Growth YoY (%)	5.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-32.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	9.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	42.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	5.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-13.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	23.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	8.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	6.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	7.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	7.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	12.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	29.0% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	-5.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	130.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-35.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	13.0% Fair ↑ Fair Improving Year-over-year change in net income	-22.3% Weak ↓ Weak Declining Year-over-year change in net income	8.9% Fair ↑ Fair Improving Year-over-year change in net income	28.7% Excellent ↑ Excellent Improving Year-over-year change in net income	5.9% Fair ↑ Fair Improving Year-over-year change in net income	-17.5% Weak ↓ Weak Declining Year-over-year change in net income	3.1% Caution ↓ Caution Declining Year-over-year change in net income	17.5% Good ↑ Good Improving Year-over-year change in net income	5.8% Fair ↑ Fair Improving Year-over-year change in net income	2.3% Caution ↓ Caution Declining Year-over-year change in net income	1.9% Caution ↓ Caution Declining Year-over-year change in net income	3.9% Caution ↓ Caution Declining Year-over-year change in net income	9.6% Fair ↓ Fair Declining Year-over-year change in net income	24.3% Good ↓ Good Declining Year-over-year change in net income	-6.3% Weak ↓ Weak Declining Year-over-year change in net income	146.3% Excellent Excellent Year-over-year change in net income	-22.7% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	3.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-9.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-13.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-20.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	15.7% Excellent Excellent Compound annual revenue growth over 3 years	40.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.8% Fair → Fair Stable Compound annual revenue growth over 5 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-4.4% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-7.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-10.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	2.2% Caution Caution Compound annual revenue growth over 5 years	10.5% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-8.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	18.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	9.2% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-0.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	5.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	13.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	12.6% Good ↑ Good Improving Compound annual EPS growth over 3 years	7.7% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	7.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	9.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	16.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	11.0% Good ↓ Good Declining Compound annual EPS growth over 3 years	41.0% Excellent Excellent Compound annual EPS growth over 3 years	12.1% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Operating Margin (%) (%)	39.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	35.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	43.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	45.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	41.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	39.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	48.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+93%)	49.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+99%)	52.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+112%)	53.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+112%)	55.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+120%)	56.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+125%)	58.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+133%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	21.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.3% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.9% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.7% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	31.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	27.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	34.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	35.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	32.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	31.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	38.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	39.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	35.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	35.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	35.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	36.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	37.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	22.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	15.1% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	12.3% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	25.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	10.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	8.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	8.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	8.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	7.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	7.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	5.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	6.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-46%)	2.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	4.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Revenue per Share (USD)	$9.05	$9.72	$11.39	$10.12	$7.80	$7.25	$6.75	$6.07	$5.45	$5.11	$4.75	$4.31	$3.84	$5.67	$6.02	$6.97	$4.42	$2.79	—
Basic EPS, GAAP (USD)	$2.64	$2.50	$3.72	$3.40	$2.39	$2.26	$2.61	$2.40	$1.95	$1.79	$1.68	$1.56	$1.45	$1.29	$1.00	$1.06	$0.46	$0.71	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.07	$1.03	$0.99	$0.95	$0.91	$0.87	$0.79	$0.67	$0.84	$0.55	$0.54	$0.46	$0.36	$0.32	$0.24	$0.20	$0.20	$0.84	—
Book Value per Share (USD)	$38.88	$36.94	$37.48	$34.81	$32.64	$26.61	$25.79	$24.14	$23.00	$22.03	$21.04	$20.05	$18.91	$17.89	$17.49	$16.37	$15.55	$15.20	—
Tangible Book Value per Share (USD)	$33.57	$31.88	$32.77	$30.17	$27.98	$22.61	$21.96	$20.50	$19.64	$18.78	$17.91	$17.09	$16.37	$15.52	$15.19	$14.13	$13.31	$15.20	—
Basic Weighted Avg Shares (shares)	80.18M	74.24M	65.19M	65.29M	72.53M	76.72M	80.47M	85.01M	88.91M	91.40M	95.64M	101.15M	104.68M	107.11M	111.38M	112.44M	88.69M	87.68M	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	—	—	—	—	29.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	24.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$3.04B	$3.00B	$2.43B	$2.27B	$2.13B	$2.01B	$2.03B	$2.00B	$2.01B	$1.98B	$1.96B	$1.97B	$1.94B	$1.90B	$1.91B	$1.84B	$1.75B	$1.33B	$1.32B

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$725.48M	$721.52M	$742.43M	$660.96M	$565.67M	$556.47M	$543.38M	$516.22M	$484.14M	$467.29M	$453.90M	$436.28M	$402.06M	$606.79M	$670.57M	$783.99M	$392.16M	$244.60M	—
Net Income, GAAP (USD)	$226.07M	$200.04M	$257.43M	$236.33M	$183.62M	$173.44M	$210.26M	$203.85M	$173.53M	$164.05M	$160.32M	$157.36M	$151.50M	$138.18M	$111.14M	$118.65M	$48.17M	$62.33M	—
Operating Cash Flow (USD)	$236.95M	$439.23M	$213.96M	$268.46M	$314.45M	$166.60M	$234.05M	$190.70M	$179.70M	$221.72M	$142.87M	$173.72M	$181.42M	$174.96M	$261.70M	$250.88M	$184.24M	$162.23M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Net Interest Margin (approx.) (%)	2.5%	2.4%	3.1%	2.9%	2.6%	2.5%	2.9%	3.0%	2.8%	2.8%	2.8%	2.7%	2.9%	4.7%	4.8%	4.9%	3.0%	—	—
Efficiency Ratio (%) (%)	58.9%	62.1%	50.6%	54.3%	58.8%	56.7%	52.1%	51.2%	47.8%	50.4%	49.5%	46.8%	40.8%	23.5%	20.3%	16.8%	27.3%	35.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 71 quarters

WAFD INC

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