WAFD · Wafd Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $29.65M | $27.51M | $26.05M | $25.94M | $24.69M | $23.69M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - |
| Operating Income | $289.64M | $256.06M | $325.08M | $300.04M | $233.14M | $219.19M |
| Interest Expense | - | - | $352.72M | $71.77M | $86.50M | $151.76M |
| Income Tax | $63.57M | $56.02M | $67.65M | $63.71M | $49.52M | $45.75M |
| Net Income | $226.07M | $200.04M | $257.43M | $236.33M | $183.62M | $173.44M |
| EPS - Basic | $2.64 | $2.50 | $3.72 | $3.40 | $2.39 | $2.26 |
| EPS - Diluted | $2.63 | $2.50 | $3.72 | $3.39 | $2.39 | $2.26 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $657.31M | $2.38B | $980.65M | $683.97M | $2.09B | $1.70B |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $26.70B | $28.06B | $22.47B | $20.77B | $19.65B | $18.79B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $23.66B | $25.06B | $20.05B | $18.50B | $17.52B | $16.78B |
| Stockholders' Equity | $3.04B | $3.00B | $2.43B | $2.27B | $2.13B | $2.01B |
| Retained Earnings | $2.11B | $1.98B | $1.87B | $1.69B | $1.53B | $1.42B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $236.95M | $439.23M | $213.96M | $268.46M | $314.45M | $166.60M |
| Investing Cash Flow | ($318.41M) | $3.29B | ($1.38B) | ($2.49B) | ($579.75M) | ($920.98M) |
| Financing Cash Flow | ($1.64B) | ($2.33B) | $1.46B | $817.86M | $653.12M | $2.04B |
| CapEx | $28.71M | $24.68M | $15.06M | $11.79M | $29.47M | $31.94M |
| Free Cash Flow | $208.25M | $414.55M | $198.89M | $256.68M | $284.98M | $134.66M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 976.9% | 930.9% | 1247.9% | 1156.6% | 944.4% | 925.2% |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | 762.5% | 727.2% | 988.2% | 911.0% | 743.8% | 732.1% |
| Free cash flow margin | 702.3% | 1507.1% | 763.5% | 989.4% | 1154.4% | 568.4% |
| FCF / Net income | 0.92 | 2.07 | 0.77 | 1.09 | 1.55 | 0.78 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 21.9% | 21.9% | 20.8% | 21.2% | 21.2% | 20.9% |
| Return on assets | 0.8% | 0.7% | 1.1% | 1.1% | 0.9% | 0.9% |
| Return on equity | 7.4% | 6.7% | 10.6% | 10.4% | 8.6% | 8.6% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.9x | 4.2x | 2.7x | 1.4x |
| Equity multiplier | 8.78 | 9.35 | 9.26 | 9.13 | 9.24 | 9.33 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 |
| Efficiency | ||||||
| Asset turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 11.5x | 13.9x | 6.9x | 8.8x | 14.4x | 9.2x |
| P / B | 0.8x | 0.9x | 0.7x | 0.9x | 1.2x | 0.8x |
| P / S | 82.0x | 94.1x | 64.2x | 75.6x | 100.9x | 67.6x |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 7.8% | 5.6% | 0.4% | 5.1% | 4.2% | - |
| Revenue CAGR (3y) | 4.6% | 3.7% | 3.2% | - | - | - |
| Revenue CAGR (5y) | 4.6% | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 13.1% | -21.2% | 8.3% | 28.7% | 6.4% | -16.6% |
| Net income growth (YoY) | 13.0% | -22.3% | 8.9% | 28.7% | 5.9% | -17.5% |
| EPS growth (YoY) | 5.2% | -32.8% | 9.7% | 41.8% | 5.8% | -13.4% |
| EPS CAGR (3y) | -8.1% | 1.5% | 18.1% | 9.1% | -0.1% | 5.2% |
| EPS CAGR (5y) | 3.1% | -0.9% | 9.2% | 11.8% | 6.1% | 6.2% |
| FCF growth (YoY) | -49.8% | 108.4% | -22.5% | -9.9% | 111.6% | -32.2% |
| FCF CAGR (5y) | 9.1% | 15.9% | 4.0% | 9.3% | 9.2% | 4.9% |
| Book value growth (YoY) | 1.3% | 23.7% | 6.7% | 7.0% | 5.6% | -0.9% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: National Commercial Banks
Comparing WAFD INC against the 5 most active filers in the same SIC group.
Dividends
$1.08/share trailing 12 months · +1.9% YoY
| Ex-date | Per share |
|---|---|
| May 22, 2026 | $0.2700 |
| Feb 13, 2026 | $0.2700 |
| Nov 21, 2025 | $0.2700 |
| Aug 22, 2025 | $0.2700 |
| May 23, 2025 | $0.2700 |
| Feb 21, 2025 | $0.2700 |
| Nov 22, 2024 | $0.2600 |
| Aug 23, 2024 | $0.2600 |
| May 23, 2024 | $0.2600 |
| Feb 22, 2024 | $0.2600 |
| Nov 22, 2023 | $0.2500 |
| Aug 24, 2023 | $0.2500 |
| May 18, 2023 | $0.2500 |
| Feb 23, 2023 | $0.2500 |
| Nov 17, 2022 | $0.2400 |
| Aug 18, 2022 | $0.2400 |
| May 19, 2022 | $0.2400 |
| Feb 3, 2022 | $0.2400 |
| Nov 4, 2021 | $0.2300 |
| Aug 5, 2021 | $0.2300 |
| May 6, 2021 | $0.2300 |
| Feb 4, 2021 | $0.2300 |
| Nov 5, 2020 | $0.2200 |
| Aug 6, 2020 | $0.2200 |