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Financials · WAFD

WaFd Inc. (WAFD) financials

For the twelve months ended Jun 30, 2026, WaFd Inc. reported $782.56M of revenue and $256.47M of net income.

Revenue, TTM
$782.56M
Revenue growth, YoY
+7.8%
Net income, TTM
$256.47M
Net income growth, YoY
+13.2%
Net margin
32.8%
Free cash flow, TTM
$226.97M
EPS, diluted, TTM
$3.16
EPS growth, YoY
+19.2%
Cash
$676.47M
P/E
8.56
P/S
2.81
Market cap
$2.20B
Annual revenue$725.48M
FY2016FY2025
Annual net income$226.07M
FY2016FY2025
Annual free cash flow$208.25M
FY2016FY2025

WAFD revenue and earnings growth

WAFD revenueQ3 2026$205.52M

Quarter YoY
+10.3%
QoQ
+4.1%
FY YoY
+0.5%
5Y CAGR
+5.4%
10Y CAGR
+4.8%

WAFD revenue was $205.52M in fiscal Q3 2026 (ended Jun 30, 2026), up 10.3% from a year earlier and up 4.1% from the prior quarter. For the full fiscal 2025 it was $725.48M, up 0.5% from fiscal 2024. Compound annual growth was +5.4% over 5 years and +4.8% over 10 years. It rose in 9 of the last 10 fiscal years.

WAFD net incomeQ3 2026$66.13M

Quarter YoY
+6.7%
QoQ
+0.9%
FY YoY
+13.0%
5Y CAGR
+5.4%
10Y CAGR
+3.5%

WAFD net income was $66.13M in fiscal Q3 2026 (ended Jun 30, 2026), up 6.7% from a year earlier and up 0.9% from the prior quarter. For the full fiscal 2025 it was $226.07M, up 13.0% from fiscal 2024. Compound annual growth was +5.4% over 5 years and +3.5% over 10 years. It rose in 8 of the last 10 fiscal years.

WAFD EPSQ3 2026$0.84

Quarter YoY
+15.1%
QoQ
+2.4%
FY YoY
+5.2%
5Y CAGR
+3.1%
10Y CAGR
+4.6%

WAFD diluted EPS was $0.84 in fiscal Q3 2026 (ended Jun 30, 2026), up 15.1% from a year earlier and up 2.4% from the prior quarter. For the full fiscal 2025 it was $2.63, up 5.2% from fiscal 2024. Compound annual growth was +3.1% over 5 years and +4.6% over 10 years.

WAFD free cash flowQ3 2026$63.36M

Quarter YoY
+19.4%
QoQ
-6.8%
FY YoY
-49.8%
5Y CAGR
+9.1%
10Y CAGR
+8.0%

WAFD free cash flow was $63.36M in fiscal Q3 2026 (ended Jun 30, 2026), up 19.4% from a year earlier and down 6.8% from the prior quarter. For the full fiscal 2025 it was $208.25M, down 49.8% from fiscal 2024. Compound annual growth was +9.1% over 5 years and +8.0% over 10 years. It rose in 4 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Revenue$725.48M$721.52M$742.43M$660.96M$565.67M$556.47M$543.38M$516.22M$484.14M$467.29M
Interest expense--$352.72M$71.77M$86.50M$151.76M$190.41M$134.94M$116.99M$116.54M
Pre-tax income$289.64M$256.06M$325.08M$300.04M$233.14M$219.19M$262.77M$257.24M$256.22M$248.13M
Income tax$63.57M$56.02M$67.65M$63.71M$49.52M$45.75M$52.52M$53.39M$82.68M$84.08M
Net income$226.07M$200.04M$257.43M$236.33M$183.62M$173.44M$210.26M$203.85M$173.53M$164.05M
EPS, basic$2.64$2.50$3.72$3.40$2.39$2.26$2.61$2.40$1.95$1.79
EPS, diluted$2.63$2.50$3.72$3.39$2.39$2.26$2.61$2.40$1.94$1.78
Diluted shares80.3M74.3M65.3M65.4M72.6M76.7M80.5M85.1M89.2M91.9M

Balance sheet

Balance sheet
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Cash and equivalents$657.31M$2.38B$980.65M$683.97M$2.09B$1.70B$419.16M$268.65M$313.07M$450.37M
Goodwill$414.72M$411.36M$304.75M$303.46M$303.46M$302.71M$301.37M$301.37M$293.15M$291.50M
Total assets$26.70B$28.06B$22.47B$20.77B$19.65B$18.79B$16.47B$15.87B$15.25B$14.89B
Total liabilities$23.66B$25.06B$20.05B$18.50B$17.52B$16.78B$14.44B$13.87B$13.25B$12.91B
Shareholders' equity$3.04B$3.00B$2.43B$2.27B$2.13B$2.01B$2.03B$2.00B$2.01B$1.98B

Cash flow

Cash flow
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Operating cash flow$236.95M$439.23M$213.96M$268.46M$314.45M$166.60M$234.05M$190.70M$179.70M$221.72M
Capital expenditures$28.71M$24.68M$15.06M$11.79M$29.47M$31.94M$35.53M$27.13M$15.46M$41.77M
Free cash flow$208.25M$414.55M$198.89M$256.68M$284.98M$134.66M$198.52M$163.57M$164.24M$179.95M
Investing cash flow-$318.41M$3.29B-$1.38B-$2.49B-$579.75M-$920.98M-$421.37M-$674.45M-$544.54M-$131.06M
Financing cash flow-$1.64B-$2.33B$1.46B$817.86M$653.12M$2.04B$337.83M$439.32M$227.54M$75.66M
Dividends paid$84.64M$74.27M$63.79M$61.58M$65.88M$66.50M$63.32M$56.00M$74.52M$49.93M
Share repurchases$101.93M$27.07M$30.46M$3.26M$348.65M$112.13M$123.85M$164.25M$98.37M$87.85M
Stock-based compensation$8.52M$9.18M$7.91M$6.81M$6.38M$6.47M$5.26M$4.77M$5.91M$3.57M
Depreciation and amortization$9.72M$134.10M$22.97M$64.05M------

Key ratios

Key ratios
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Revenue growth, YoY0.5%-2.8%12.3%16.8%1.7%2.4%5.3%6.6%3.6%2.9%
Net income growth, YoY13.0%-22.3%8.9%28.7%5.9%-17.5%3.1%17.5%5.8%2.3%
EPS growth, YoY5.2%-32.8%9.7%41.8%5.8%-13.4%8.7%23.7%9.0%6.6%
Net margin31.2%27.7%34.7%35.8%32.5%31.2%38.7%39.5%35.8%35.1%
Free cash flow margin28.7%57.5%26.8%38.8%50.4%24.2%36.5%31.7%33.9%38.5%
Return on equity7.4%6.7%10.6%10.4%8.6%8.6%10.3%10.2%8.7%8.3%
Return on assets0.8%0.7%1.1%1.1%0.9%0.9%1.3%1.3%1.1%1.1%

Source: XBRL data WaFd Inc. files with the SEC, latest filing dated Aug 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

WAFD peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
WAFD$782.56M+7.8%$256.47M32.8%$2.20B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

WAFD FAQ

8 questions
  • What is WAFD revenue?
    WaFd Inc. (WAFD) reported $782.56M of revenue for the twelve months ended Jun 30, 2026. That is up 7.8% from the year before. Revenue for fiscal 2025 was $725.48M.
  • Is WAFD profitable?
    Yes. WaFd Inc. earned $256.47M in net income for the twelve months ended Jun 30, 2026, a net margin of 32.8%.
  • How much cash and debt does WAFD have?
    WaFd Inc. reported $676.47M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is WAFD revenue growing?
    WaFd Inc.'s revenue changed +0.5% in fiscal 2025, to $725.48M. Its compound annual growth rate was +5.4% over 5 years and +4.8% over 10 years.
  • What is WAFD free cash flow?
    WaFd Inc. generated $226.97M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $267.51M less capital expenditures.
  • What is WAFD earnings per share?
    Diluted earnings per share were $3.16 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did WAFD last report financial results?
    The latest statements here come from WaFd Inc.'s 10-Q filed on Aug 4, 2026, covering the period ended Jun 30, 2026.
  • Where does this WAFD financial data come from?
    Quantisnow builds these statements from the structured XBRL data WaFd Inc. files with the SEC. It is provided for information only and is not investment advice.