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Stocks · Financials · National Commercial Banks

WAFD INC

WAFD Clue Score49
United States Fiscal year ends September CIK 0000936528
$29.43 -1.04% Close, 9 Oct 2026
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Price $29.43 −15.50% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2017Net income0.17EPS, diluted1.94Fiscal year 2018Revenue0.03Net income0.20 +17.5%EPS, diluted2.40 +23.7%Fiscal year 2019Revenue0.02 −3.9%Net income0.21 +3.1%EPS, diluted2.61 +8.7%Fiscal year 2020Revenue0.02 −4.8%Net income0.17 −17.5%EPS, diluted2.26 −13.4%Fiscal year 2021Revenue0.02 +4.2%Net income0.18 +5.9%EPS, diluted2.39 +5.8%Fiscal year 2022Revenue0.03 +5.1%Net income0.24 +28.7%EPS, diluted3.39 +41.8%Fiscal year 2023Revenue0.03 +0.4%Net income0.26 +8.9%EPS, diluted3.72 +9.7%Fiscal year 2024Revenue0.03 +5.6%Net income0.20 −22.3%EPS, diluted2.50 −32.8%Fiscal year 2025Revenue0.03 +7.8%Net income0.23 +13.0%EPS, diluted2.63 +5.2%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a 0.03 0.02 0.02 0.02 0.03 0.03 0.03 0.03
Growth −3.9% −4.8% +4.2% +5.1% +0.4% +5.6% +7.8%
Net income 0.17 0.20 0.21 0.17 0.18 0.24 0.26 0.20 0.23
Growth +17.5% +3.1% −17.5% +5.9% +28.7% +8.9% −22.3% +13.0%
EPS, diluted 1.94 2.40 2.61 2.26 2.39 3.39 3.72 2.50 2.63
Growth +23.7% +8.7% −13.4% +5.8% +41.8% +9.7% −32.8% +5.2%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2017Fiscal year 2018Net margin786.9%Free cash flow margin631.5%Fiscal year 2019Net margin845.0%Free cash flow margin797.9%Fiscal year 2020Net margin732.1%Free cash flow margin568.4%Fiscal year 2021Net margin743.8%Free cash flow margin1,154.4%Fiscal year 2022Net margin911.0%Free cash flow margin989.4%Fiscal year 2023Net margin988.2%Free cash flow margin763.5%Fiscal year 2024Net margin727.2%Free cash flow margin1,507.1%Fiscal year 2025Net margin762.5%Free cash flow margin702.3%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a 786.9% 845.0% 732.1% 743.8% 911.0% 988.2% 727.2% 762.5%
Free cash flow margin n/a 631.5% 797.9% 568.4% 1,154.4% 989.4% 763.5% 1,507.1% 702.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2017Operating cash flow0.18Capital expenditure−0.02Free cash flow0.16Buybacks−0.10Dividends paid−0.07Fiscal year 2018Operating cash flow0.19Capital expenditure−0.03Free cash flow0.16 −0.4%Buybacks−0.16Dividends paid−0.06Fiscal year 2019Operating cash flow0.23Capital expenditure−0.04Free cash flow0.20 +21.4%Buybacks−0.12Dividends paid−0.06Fiscal year 2020Operating cash flow0.17Capital expenditure−0.03Free cash flow0.13 −32.2%Buybacks−0.11Dividends paid−0.07Fiscal year 2021Operating cash flow0.31Capital expenditure−0.03Free cash flow0.28 +111.6%Buybacks−0.35Dividends paid−0.07Fiscal year 2022Operating cash flow0.27Capital expenditure−0.01Free cash flow0.26 −9.9%Buybacks−0.00Dividends paid−0.06Fiscal year 2023Operating cash flow0.21Capital expenditure−0.02Free cash flow0.20 −22.5%Buybacks−0.03Dividends paid−0.06Fiscal year 2024Operating cash flow0.44Capital expenditure−0.02Free cash flow0.41 +108.4%Buybacks−0.03Dividends paid−0.07Fiscal year 2025Operating cash flow0.24Capital expenditure−0.03Free cash flow0.21 −49.8%Buybacks−0.10Dividends paid−0.08
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.18 0.19 0.23 0.17 0.31 0.27 0.21 0.44 0.24
Capital expenditure −0.02 −0.03 −0.04 −0.03 −0.03 −0.01 −0.02 −0.02 −0.03
Free cash flow 0.16 0.16 0.20 0.13 0.28 0.26 0.20 0.41 0.21
Growth −0.4% +21.4% −32.2% +111.6% −9.9% −22.5% +108.4% −49.8%
Buybacks −0.10 −0.16 −0.12 −0.11 −0.35 −0.00 −0.03 −0.03 −0.10
Dividends paid −0.07 −0.06 −0.06 −0.07 −0.07 −0.06 −0.06 −0.07 −0.08

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2017Cash0.31Shareholders’ equity2.01Fiscal year 2018Cash0.27Shareholders’ equity2.00Fiscal year 2019Cash0.42Shareholders’ equity2.03Fiscal year 2020Cash1.70Shareholders’ equity2.01Fiscal year 2021Cash2.09Shareholders’ equity2.13Fiscal year 2022Cash0.68Shareholders’ equity2.27Fiscal year 2023Cash0.98Shareholders’ equity2.43Fiscal year 2024Cash2.38Shareholders’ equity3.00Fiscal year 2025Cash0.66Shareholders’ equity3.04
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.31 0.27 0.42 1.70 2.09 0.68 0.98 2.38 0.66
Shareholders’ equity 2.01 2.00 2.03 2.01 2.13 2.27 2.43 3.00 3.04

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending September, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2017 30 Sep 2017 FY2018 30 Sep 2018 FY2019 30 Sep 2019 FY2020 30 Sep 2020 FY2021 30 Sep 2021 FY2022 30 Sep 2022 FY2023 30 Sep 2023 FY2024 30 Sep 2024 FY2025 30 Sep 2025
Margins
n/a 993.1% 1,056.1% 925.2% 944.4% 1,156.6% 1,247.9% 930.9% 976.9%
n/a 786.9% 845.0% 732.1% 743.8% 911.0% 988.2% 727.2% 762.5%
n/a 631.5% 797.9% 568.4% 1,154.4% 989.4% 763.5% 1,507.1% 702.3%
Spending
n/a 104.7% 142.8% 134.8% 119.4% 45.4% 57.8% 89.7% 96.8%
32.3% 20.8% 20.0% 20.9% 21.2% 21.2% 20.8% 21.9% 21.9%
Returns
8.7% 10.2% 10.3% 8.6% 8.6% 10.4% 10.6% 6.7% 7.4%
1.1% 1.3% 1.3% 0.9% 0.9% 1.1% 1.1% 0.7% 0.8%
Balance and payout
86.9% 87.4% 87.7% 89.3% 89.2% 89.1% 89.2% 89.3% 88.6%
42.9% 27.5% 30.1% 38.3% 35.9% 26.1% 24.8% 37.1% 37.4%
105.3% 134.6% 94.3% 132.6% 145.5% 25.3% 47.4% 24.4% 89.6%