Wa Fd Inc - Understand $wafd stock

$WAFD Market Cap: $3.018 Billion

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Financial Snapshot

Revenue

$20.46M

TTM

Gross Margin

Net Earnings

$196.4M

TTM

Current Assets

Current Liabilities

$306.4M

Q3 2024

Current Ratio

Total Assets

$28.06B

Q3 2024

Total Liabilities

$25.06B

Q3 2024

Book Value

$3.000B

Q3 2024

Cash

P/E

15.37

Nov 13, 2024 EST

Free Cash Flow

$325.1M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Revenue		$26.05M	$25.94M	$591.6M	$621.3M	$671.5M	$607.1M	$548.9M	$536.8M	$530.6M	$533.7M	$516.3M	$590.3M
YoY Change		0.42%	-95.62%	-4.77%	-7.48%	10.61%	10.6%	2.26%	1.18%	-0.59%	3.37%	-12.53%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Revenue	$26.05M	$25.94M	$591.6M	$621.3M	$671.5M	$607.1M	$548.9M	$536.8M	$530.6M	$533.7M	$516.3M	$590.3M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$22.97M	$64.05M	$33.90M	$39.90M	$31.10M	$46.70M	$41.70M	$23.00M	$21.20M	$17.30M	$15.80M	$34.50M	$53.50M	$5.800M	$5.200M	$4.300M	$3.300M	$2.800M	$5.000M	$4.000M	$3.200M	$3.500M	$8.900M	$8.300M	$8.400M	$8.300M	$7.700M	$5.400M	$5.300M	$5.100M	$4.900M	$3.800M	$3.900M	$3.500M	$3.500M	$2.100M	$1.200M	$800.0K
YoY Change	-64.14%	88.94%	-15.04%	28.3%	-33.4%	11.99%	81.3%	8.49%	22.54%	9.49%	-54.2%	-35.51%	822.41%	11.54%	20.93%	30.3%	17.86%	-44.0%	25.0%	25.0%	-8.57%	-60.67%	7.23%	-1.19%	1.2%	7.79%	42.59%	1.89%	3.92%	4.08%	28.95%	-2.56%	11.43%	0.0%	66.67%	75.0%	50.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Interest Expense	$352.7M	$71.77M	$86.50M	$151.8M	$190.4M	$134.9M	$117.0M	$116.5M	$117.1M	$128.1M	$136.2M	$193.2M	$227.7M	$269.1M	$318.6M
YoY Change	391.46%	-17.03%	-43.0%	-20.3%	41.1%	15.34%	0.38%	-0.45%	-8.59%	-5.94%	-29.54%	-15.13%	-15.39%	-15.54%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Pretax Income	$256.1M	$325.1M	$300.0M	$233.1M	$219.2M	$262.8M	$257.2M	$256.2M	$248.1M	$249.5M	$244.9M	$234.6M	$215.9M	$173.7M	$123.0M	$75.74M	$95.80M	$209.3M	$218.7M	$222.3M	$203.7M	$223.7M	$229.2M	$181.4M	$163.2M	$177.1M	$173.8M	$163.3M	$124.5M	$123.1M	$142.4M	$139.1M	$116.4M	$94.30M	$83.10M	$77.20M	$73.60M	$62.10M	$51.10M	$36.20M	$29.90M
YoY Change	-21.23%	8.35%	28.7%	6.37%	-16.59%	2.15%	0.4%	3.26%	-0.56%	1.87%	4.4%	8.66%	24.33%	41.16%	62.43%	-20.94%	-54.23%	-4.3%	-1.62%	9.13%	-8.94%	-2.4%	26.35%	11.15%	-7.85%	1.9%	6.43%	31.16%	1.14%	-13.55%	2.37%	19.5%	23.44%	13.48%	7.64%	4.89%	18.52%	21.53%	41.16%	21.07%	23.05%
Income Tax	$56.02M	$67.65M	$63.71M	$49.52M	$45.75M	$52.52M	$53.39M	$82.68M	$84.09M	$89.20M	$87.56M	$83.11M	$77.73M	$62.52M	$4.372M	$27.57M	$33.50M	$74.30M	$75.60M	$76.40M	$71.80M	$78.70M	$80.80M	$63.90M	$57.50M	$62.80M	$61.90M	$58.30M	$44.60M	$44.70M	$49.60M	$45.80M	$34.40M	$24.90M	$20.20M	$20.00M	$19.80M	$14.80M	$14.80M	$9.800M	$8.600M
% Of Pretax Income	21.88%	20.81%	21.23%	21.24%	20.87%	19.99%	20.76%	32.27%	33.89%	35.75%	35.75%	35.42%	36.0%	36.0%	3.55%	36.4%	34.97%	35.5%	34.57%	34.37%	35.25%	35.18%	35.25%	35.23%	35.23%	35.46%	35.62%	35.7%	35.82%	36.31%	34.83%	32.93%	29.55%	26.41%	24.31%	25.91%	26.9%	23.83%	28.96%	27.07%	28.76%
Net Earnings	$185.4M	$257.4M	$236.3M	$183.6M	$173.4M	$210.3M	$203.9M	$173.5M	$164.0M	$160.3M	$157.4M	$151.5M	$138.2M	$111.1M	$118.7M	$48.17M	$62.30M	$135.0M	$143.1M	$145.9M	$131.9M	$145.0M	$148.4M	$117.5M	$105.7M	$114.3M	$111.8M	$105.1M	$79.90M	$78.30M	$92.80M	$91.20M	$81.90M	$69.30M	$62.90M	$57.20M	$53.80M	$47.40M	$36.30M	$26.60M	$21.30M
YoY Change	-27.97%	8.93%	28.71%	5.87%	-17.51%	3.14%	17.47%	5.78%	2.33%	1.88%	3.87%	9.64%	24.33%	-6.33%	146.31%	-22.68%	-53.85%	-5.66%	-1.92%	10.61%	-9.03%	-2.29%	26.3%	11.16%	-7.52%	2.24%	6.37%	31.54%	2.04%	-15.63%	1.75%	11.36%	18.18%	10.17%	9.97%	6.32%	13.5%	30.58%	36.47%	24.88%	23.12%
Net Earnings / Revenue		988.2%	910.99%	31.04%	27.92%	31.31%	33.58%	31.61%	30.56%	30.22%	29.49%	29.34%	23.41%
Basic Earnings Per Share		$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
Diluted Earnings Per Share	$2.50	$3.72	$3.613M	$2.39	$2.26	$2.61	$2.40	$1.94	$1.78	$1.67	$1.55	$1.45	$1.29	$1.00	$1.05	$0.46	$709.6K	$1.539M	$1.635M	$1.667M	$1.514M	$1.706M	$1.740M	$1.377M	$1.241M	$1.271M	$1.193M	$1.135M	$878.0K	$834.8K	$982.0K	$965.1K	$867.6K	$737.2K	$670.6K	$612.4K	$579.7K	$514.1K	$435.3K	$352.8K	$286.3K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$247.9M	$258.1M	$243.1M	$283.0M	$284.0M	$274.0M	$268.0M	$264.0M	$282.0M	$276.0M	$258.0M	$206.0M	$179.0M	$167.0M	$163.0M	$133.0M	$133.0M	$75.00M	$62.00M	$63.00M	$63.00M	$61.00M	$55.00M	$54.00M	$50.00M	$50.00M	$49.00M	$48.00M	$42.00M	$40.00M	$39.00M	$38.00M	$29.00M	$32.00M	$31.00M	$31.00M	$32.00M	$29.00M	$20.00M	$19.00M	$18.00M
YoY Change	-3.97%	6.2%	-14.11%	-0.35%	3.65%	2.24%	1.52%	-6.38%	2.17%	6.98%	25.24%	15.08%	7.19%	2.45%	22.56%	0.0%	77.33%	20.97%	-1.59%	0.0%	3.28%	10.91%	1.85%	8.0%	0.0%	2.04%	2.08%	14.29%	5.0%	2.56%	2.63%	31.03%	-9.38%	3.23%	0.0%	-3.13%	10.34%	45.0%	5.26%	5.56%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$28.06B	$22.47B	$20.77B	$19.65B	$18.79B	$16.48B	$15.87B	$15.25B	$14.89B	$14.57B	$14.76B	$13.08B	$12.47B	$13.44B	$13.49B	$12.58B	$11.83B	$10.29B	$9.069B	$8.234B	$7.169B	$7.536B	$7.392B	$7.027B	$6.720B	$6.164B	$5.637B	$5.720B	$5.115B	$4.577B	$3.830B	$3.159B	$2.792B	$2.785B	$2.651B	$2.438B	$2.241B	$1.873B	$1.314B	$1.031B	$917.0M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$306.4M	$275.4M	$289.9M	$215.0M	$251.0M	$106.0M	$82.00M	$131.0M	$189.0M	$101.0M	$107.0M	$83.00M	$77.00M	$65.00M	$88.00M	$59.00M	$81.00M	$65.00M	$55.00M	$58.00M	$51.00M	$59.00M	$53.00M	$51.00M	$50.00M	$47.00M	$46.00M	$41.00M	$36.00M	$16.00M	$19.00M	$18.00M	$27.00M	$29.00M	$33.00M	$44.00M	$31.00M	$24.00M	$17.00M	$15.00M	$12.00M
YoY Change	11.28%	-5.03%	34.86%	-14.34%	136.79%	29.27%	-37.4%	-30.69%	87.13%	-5.61%	28.92%	7.79%	18.46%	-26.14%	49.15%	-27.16%	24.62%	18.18%	-5.17%	13.73%	-13.56%	11.32%	3.92%	2.0%	6.38%	2.17%	12.2%	13.89%	125.0%	-15.79%	5.56%	-33.33%	-6.9%	-12.12%	-25.0%	41.94%	29.17%	41.18%	13.33%	25.0%
Deferred Revenue
YoY Change
Short-Term Debt													$0.00	$800.0M	$800.0M	$856.0M	$1.201B	$1.093B	$896.0M	$684.0M	$141.0M	$158.0M	$170.0M	$96.00M	$1.245B	$542.0M	$307.0M	$376.0M	$854.0M	$1.031B	$625.0M	$60.00M	$60.00M	$393.0M	$536.0M	$490.0M	$329.0M	$232.0M	$31.00M	$0.00	$0.00
YoY Change													-100.0%	0.0%	-6.54%	-28.73%	9.88%	21.99%	30.99%	385.11%	-10.76%	-7.06%	77.08%	-92.29%	129.7%	76.55%	-18.35%	-55.97%	-17.17%	64.96%	941.67%	0.0%	-84.73%	-26.68%	9.39%	48.94%	41.81%	648.39%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$306.4M	$275.4M	$293.3M	$215.0M	$251.0M	$111.0M	$82.00M	$131.0M	$189.0M	$101.0M	$107.0M	$83.00M	$77.00M	$67.00M	$88.00M	$77.00M	$115.0M	$103.0M	$95.00M	$103.0M	$113.0M	$129.0M	$137.0M	$145.0M	$103.0M	$100.0M	$110.0M	$93.00M	$74.00M	$49.00M	$45.00M	$39.00M	$42.00M	$42.00M	$45.00M	$56.00M	$38.00M	$35.00M	$30.00M	$25.00M	$20.00M
YoY Change	11.28%	-6.1%	36.4%	-14.34%	126.13%	35.37%	-37.4%	-30.69%	87.13%	-5.61%	28.92%	7.79%	14.93%	-23.86%	14.29%	-33.04%	11.65%	8.42%	-7.77%	-8.85%	-12.4%	-5.84%	-5.52%	40.78%	3.0%	-9.09%	18.28%	25.68%	51.02%	8.89%	15.38%	-7.14%	0.0%	-6.67%	-19.64%	47.37%	8.57%	16.67%	20.0%	25.0%
Long-Term Debt	$50.72M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$27.00M	$17.00M	$31.00M	$4.000M	$6.000M	$4.000M	$122.0M	$75.00M
YoY Change																																	-100.0%	58.82%	-45.16%	675.0%	-33.33%	50.0%	-96.72%	62.67%
Other Long-Term Liabilities	$61.33M	$52.55M	$50.05M	$47.00M	$49.00M	$90.00M	$70.00M	$57.00M	$43.00M	$50.00M	$29.00M	$42.00M
YoY Change	16.71%	4.99%	6.49%	-4.08%	-45.56%	28.57%	22.81%	32.56%	-14.0%	72.41%	-30.95%
Total Long-Term Liabilities	$112.0M	$52.55M	$50.05M	$47.00M	$49.00M	$90.00M	$70.00M	$57.00M	$43.00M	$50.00M	$29.00M	$42.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$27.00M	$17.00M	$31.00M	$4.000M	$6.000M	$4.000M	$122.0M	$75.00M
YoY Change	113.22%	4.99%	6.49%	-4.08%	-45.56%	28.57%	22.81%	32.56%	-14.0%	72.41%	-30.95%																						-100.0%	58.82%	-45.16%	675.0%	-33.33%	50.0%	-96.72%	62.67%
Total Liabilities	$25.06B	$20.05B	$18.50B	$17.53B	$16.78B	$14.44B	$13.87B	$13.25B	$12.91B	$12.61B	$12.78B	$11.15B	$10.57B	$11.53B	$11.65B	$10.84B	$10.50B	$8.967B	$7.806B	$7.047B	$6.049B	$6.480B	$6.432B	$6.153B	$5.961B	$5.413B	$4.870B	$5.002B	$4.537B	$4.001B	$3.283B	$2.673B	$2.368B	$2.417B	$2.330B	$2.160B	$2.004B	$1.668B	$1.149B	$898.0M	$806.0M
YoY Change	25.0%	8.38%	5.55%	4.44%	16.19%	4.13%	4.69%	2.6%	2.37%	-1.33%	14.7%	5.41%	-8.33%	-0.95%	7.46%	3.24%	17.06%	14.87%	10.77%	16.5%	-6.65%	0.75%	4.53%	3.22%	10.12%	11.15%	-2.64%	10.25%	13.4%	21.87%	22.82%	12.88%	-2.03%	3.73%	7.87%	7.78%	20.14%	45.17%	27.95%	11.41%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Basic Shares Outstanding	65.19M shares	65.29M shares	72.53M shares	76.72M shares	80.47M shares	85.01M shares	88.91M shares	91.40M shares	95.64M shares	101.2M shares	104.7M shares	107.1M shares	111.4M shares	112.4M shares	88.69M shares
Diluted Shares Outstanding	65.26M shares	65.40M shares	72.57M shares	76.73M shares	80.50M shares	85.11M shares	89.22M shares	91.91M shares	96.05M shares	101.6M shares	104.8M shares	107.1M shares	111.5M shares	112.7M shares	88.71M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $3.0181 Billion

About WaFd Inc

WaFd, Inc. engages in the provision of lending, depository, insurance, and other banking services to consumers. The company is headquartered in Seattle, Washington and currently employs 2,120 full-time employees. Washington Federal Bank, a federally insured Washington state chartered commercial bank doing business as WaFd Bank (the Bank), is engaged in providing lending, depository, insurance and other banking services to consumers, mid-sized to large businesses, and owners and developers of commercial real estate. The Bank's business consists primarily of accepting deposits from the general public and investing these funds in loans of various types, including first lien mortgages on single-family dwellings, construction loans, loans on multi-family, commercial real estate and other income producing properties, home equity loans and business loans. The Bank invests in certain United States government and agency obligations and other investments. The Bank has approximately 198 branches located in Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico and Texas.

Industry: National Commercial Banks Peers: Banner Corp First Financial Bancorp Heartland Financial USA Inc Lakeland Financial Corp Park National Corp PNC Financial Services Group Inc Stock Yards Bancorp Inc Seacoast Banking Corporation of Florida Trustmark Corp