← WAFD INC WAFD
Market Price
$37.91
Market Cap
$2.81B
P/E Ratio
14.42
Revenue (FY 2025)
↑7.8% YoY
$29.65M
3-Yr CAGR: 4.6%
Net Income
↑13.0% YoY
$226.07M
Net Margin: 762.5%
Free Cash Flow
↓-49.8% YoY
$208.25M
FCF Yield: 7.42%
EPS (Diluted)
↑5.2% YoY
$2.63
Basic: $2.64
Return on Equity
Efficiency
7.4%
ROA: 0.8%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (WAFD)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2021: Revenue YoY (+4.2%) is identical to Gross Profit YoY (+4.2%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
- FY 2022: Revenue YoY (+5.1%) is identical to Gross Profit YoY (+5.1%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (+0.4%) is identical to Gross Profit YoY (+0.4%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (+5.6%) is identical to Gross Profit YoY (+5.6%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+7.8%) is identical to Gross Profit YoY (+7.8%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $420.2M | — | $303.7M | $164.0M | — | $1.78 | — | $221.7M | $183.8M | — |
| FY 2017 | $431.9M | +2.8% | $314.9M | $173.5M | +5.8% | $1.94 | +9.0% | $179.7M | $164.2M | -10.6% |
| FY 2018 | $472.1M | +9.3% | $337.2M | $203.8M | +17.5% | $2.40 | +23.7% | $190.7M | $163.6M | -0.4% |
| FY 2019 | $481.1M | +1.9% | $290.7M | $210.3M | +3.1% | $2.61 | +8.8% | $234.1M | $198.5M | +21.4% |
| FY 2020 | $23.7M | -95.1% | $23.7M | $173.4M | -17.5% | $2.26 | -13.4% | $166.6M | $134.7M | -32.2% |
| FY 2021 | $24.7M | +4.2% | $24.7M | $183.6M | +5.9% | $2.39 | +5.8% | $314.5M | $285.0M | +111.6% |
| FY 2022 | $25.9M | +5.1% | $25.9M | $236.3M | +28.7% | $3.39 | +41.8% | $268.5M | $256.7M | -9.9% |
| FY 2023 | $26.1M | +0.4% | $26.1M | $257.4M | +8.9% | $3.72 | +9.7% | $214.0M | $198.9M | -22.5% |
| FY 2024 | $27.5M | +5.6% | $27.5M | $200.0M | -22.3% | $2.50 | -32.8% | $439.2M | $414.6M | +108.4% |
| FY 2025 | $29.6M | +7.8% | $29.6M | $226.1M | +13.0% | $2.63 | +5.2% | $237.0M | $208.2M | -49.8% |
Valuation
Market Price
$37.91
Market Cap
$2.81B
Enterprise Value
N/A
P/E Ratio
14.42
P/B Ratio
0.92
FCF Yield
7.42%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
4.15%
Operating Margin
976.87%
Net Margin
762.46%
Return on Equity (ROE)
7.44%
Return on Assets (ROA)
0.85%
Asset Turnover
0.00x
Revenue 3-Yr CAGR
4.55%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$657.31M
Total Debt
N/A
Book Value / Share
$41.10
Cash Flow Efficiency
Operating Cash Flow
$236.95M
Capital Expenditures (CapEx)
$28.71M
Free Cash Flow
$208.25M
OCF / Revenue
799.16%
FCF / Revenue
702.34%
FCF 3-Yr CAGR
-6.73%
Per Share Metrics
EPS (Diluted)
$2.63
EPS (Basic)
$2.64
Dividends / Share
N/A
Book Value / Share
$41.10
EPS YoY Growth
5.20%
Balance Sheet (FY 2025)
Total Assets
$26.70B
Total Liabilities
$23.66B
Stockholders' Equity
$3.04B
Current Assets
N/A
Current Liabilities
N/A