Stocktoria

WAFD INC WAFD

Nasdaq · stock · National Commercial Banks · website · IPO 1982-11-09

WAFD INC statistics & valuation

Market cap$2.7B
P / E12.1×
P / S92.1×
P / B0.9×
P / FCF13.1×
Dividend yield3.10%
Net margin762.5%
Return on equity7.4%
FCF margin702.3%
Graham number +25.4%$47.34

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($47.34); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
786.90% 845.00% 732.10% 743.80% 911.00% 988.20% 727.20% 762.50% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.30% 8.70% 10.20% 10.30% 8.60% 8.60% 10.40% 10.60% 6.70% 7.40% 2016201720182019202020212022202320242025
Shares outstanding
91.9M 89.2M 85.1M 80.5M 76.7M 72.6M 65.4M 65.3M 81.2M 80.3M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.10% 1.10% 1.30% 1.30% 0.90% 0.90% 1.10% 1.10% 0.70% 0.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
631.50% 797.90% 568.40% 1154.40% 989.40% 763.50% 1507.10% 702.30% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.78 $1.94 $2.40 $2.61 $2.26 $2.39 $3.39 $3.72 $2.50 $2.63 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

WAFD INC trades at about 14.4× earnings — near its 10-year norm (10-year range 6.6×–17.9×, median 13.6×).

6.6× 17.9×

Shaded band = 10-year range (6.6×–17.9×); dot = today's 14.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin762.5%727.2%988.2%911.0%743.8%732.1%845.0%786.9%——
FCF margin702.3%1507.1%763.5%989.4%1154.4%568.4%797.9%631.5%——
Return on assets0.8%0.7%1.1%1.1%0.9%0.9%1.3%1.3%1.1%1.1%
Return on equity7.4%6.7%10.6%10.4%8.6%8.6%10.3%10.2%8.7%8.3%

Computed from company filings · US · as of 2025-09-30. Facts plus Stocktoria's own computed scores — not investment advice.