What is WaFd's earnings per share (EPS)?

WaFd (WAFDP) reported diluted earnings per share of $2.63 for fiscal year 2025. This represents a 5.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

WaFd Financials

WAFDP

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE September

This page shows WaFd (WAFDP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI WAFDP FY2025 2026-04-22

A thin-return, balance-sheet-heavy model still produces shareholder earnings because leverage magnifies modest asset profitability.

In FY2025, return on assets improved to 0.9% from 0.7% in FY2024 even as debt to equity eased, so the business earned more from each dollar of assets without leaning harder on leverage. That better asset efficiency helped lift return on equity to 7.4% from 6.7%, making the year look more like a profitability repair than a leverage-driven rebound.

FY2025 operating cash flow of $237M sat close to net income of $226M, so reported earnings were broadly backed by cash rather than by accounting timing alone. Because capital spending stayed light, the drop in free cash flow to $208M was mainly an operating-cash swing, not a reinvestment surge.

Even after buybacks and dividends of about $187M in FY2025, retained earnings still climbed to $2.1B, which shows the franchise continued to add capital internally. But the cash buffer fell to $657M from $2.4B, so liquidity moved more with financing choices than the income statement alone would suggest.

Financial Health Signals

Financial Profile 29/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of WaFd's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

WaFd's revenue grew 7.8% year-over-year to $29.6M, a solid pace of expansion. This earns a growth score of 44/100.

Leverage

WaFd has elevated debt relative to equity (D/E of 7.78), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

WaFd converts 702.3% of revenue into free cash flow ($208.2M). This strong cash generation earns a score of 100/100.

Returns

WaFd generates a 7.4% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 29/100. This is up from 6.7% the prior year.

Piotroski F-Score Neutral

6/9

WaFd passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.05x

For every $1 of reported earnings, WaFd generates $1.05 in operating cash flow ($237.0M OCF vs $226.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$29.6M

YoY+7.8%

5Y CAGR+4.6%

10Y CAGR-25.1%

WaFd generated $29.6M in revenue in fiscal year 2025. This represents an increase of 7.8% from the prior year.

EBITDA

N/A

Net Income

$226.1M

YoY+13.0%

5Y CAGR+5.4%

10Y CAGR+3.5%

WaFd reported $226.1M in net income in fiscal year 2025. This represents an increase of 13.0% from the prior year.

EPS (Diluted)

$2.63

YoY+5.2%

5Y CAGR+3.1%

10Y CAGR+4.6%

WaFd earned $2.63 per diluted share (EPS) in fiscal year 2025. This represents an increase of 5.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$208.2M

YoY-49.8%

5Y CAGR+9.1%

10Y CAGR+8.0%

WaFd generated $208.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 49.8% from the prior year.

Cash & Debt

$657.3M

YoY-72.4%

5Y CAGR-17.3%

10Y CAGR+8.8%

WaFd held $657.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.07

YoY+3.9%

5Y CAGR+4.2%

10Y CAGR+7.1%

WaFd paid $1.07 per share in dividends in fiscal year 2025. This represents an increase of 3.9% from the prior year.

Shares Outstanding

77M

YoY-5.6%

5Y CAGR+0.3%

10Y CAGR-1.9%

WaFd had 77M shares outstanding in fiscal year 2025. This represents a decrease of 5.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

762.5%

YoY+35.2pp

5Y CAGR+30.4pp

10Y CAGR+732.2pp

WaFd's net profit margin was 762.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 35.2 percentage points from the prior year.

Return on Equity

7.4%

YoY+0.8pp

5Y CAGR-1.2pp

10Y CAGR-0.8pp

WaFd's ROE was 7.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$101.9M

YoY+276.6%

5Y CAGR-1.9%

10Y CAGR-2.2%

WaFd spent $101.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 276.6% from the prior year.

Capital Expenditures

$28.7M

YoY+16.3%

5Y CAGR-2.1%

10Y CAGR-4.7%

WaFd invested $28.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 16.3% from the prior year.

WAFDP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$29.6M+7.8%	$27.5M+5.6%	$26.1M+0.4%	$25.9M+5.1%	$24.7M+4.2%	$23.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$222.1M-5.1%	$234.1M+19.1%	$196.5M+1.3%	$193.9M+10.1%	$176.1M+19.3%	$147.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$685.2M-3.6%	$710.9M+101.5%	$352.7M+391.5%	$71.8M-17.0%	$86.5M-43.0%	$151.8M
Income Tax	$63.6M+13.5%	$56.0M-17.2%	$67.7M+6.2%	$63.7M+28.6%	$49.5M+8.3%	$45.7M
Net Income	$226.1M+13.0%	$200.0M-22.3%	$257.4M+8.9%	$236.3M+28.7%	$183.6M+5.9%	$173.4M
EPS (Diluted)	$2.63+5.2%	$2.50-32.8%	$3.72+9.7%	$3.39+41.8%	$2.39+5.8%	$2.26

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$7.9M-1.3%	$8.0M+4.9%	$7.6M+7.5%	$7.1M+0.2%	$7.0M0.0%	$7.0M+1.3%	$7.0M+3.9%	$6.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$54.2M-3.3%	$56.0M+4.8%	$53.5M+1.5%	$52.7M-12.0%	$59.9M+11.0%	$54.0M-5.6%	$57.2M-21.9%	$73.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$151.4M-3.3%	$156.6M-4.3%	$163.7M-6.5%	$175.2M-7.7%	$189.7M-5.8%	$201.3M-6.3%	$214.8M+34.0%	$160.2M
Income Tax	$18.1M+6.3%	$17.0M-4.4%	$17.8M+13.0%	$15.8M+21.4%	$13.0M-33.5%	$19.5M+7.4%	$18.2M+258.3%	$5.1M
Net Income	$64.2M+5.9%	$60.6M-2.2%	$62.0M+10.1%	$56.3M+19.0%	$47.3M-22.7%	$61.1M-5.3%	$64.6M+306.3%	$15.9M
EPS (Diluted)	$0.79	N/A	$0.73+12.3%	$0.65+20.4%	$0.54	N/A	$0.75+341.2%	$0.17

WAFDP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$26.7B-4.8%	$28.1B+24.9%	$22.5B+8.2%	$20.8B+5.7%	$19.7B+4.6%	$18.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$657.3M-72.4%	$2.4B+142.8%	$980.6M+43.4%	$684.0M-67.3%	$2.1B+22.8%	$1.7B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$414.7M+0.8%	$411.4M+35.0%	$304.8M+0.4%	$303.5M0.0%	$303.5M+0.2%	$302.7M
Total Liabilities	$23.7B-5.6%	$25.1B+25.0%	$20.0B+8.4%	$18.5B+5.6%	$17.5B+4.4%	$16.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$3.0B+1.3%	$3.0B+23.7%	$2.4B+6.7%	$2.3B+7.0%	$2.1B+5.6%	$2.0B
Retained Earnings	$2.1B+6.4%	$2.0B+6.0%	$1.9B+10.6%	$1.7B+10.5%	$1.5B+7.6%	$1.4B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$27.3B+2.2%	$26.7B-0.1%	$26.7B-3.3%	$27.6B-0.1%	$27.7B-1.3%	$28.1B-1.8%	$28.6B-5.2%	$30.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$734.9M+11.8%	$657.3M-18.8%	$809.3M-34.3%	$1.2B-18.3%	$1.5B-36.7%	$2.4B-4.5%	$2.5B+65.5%	$1.5B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$416.2M+0.4%	$414.7M0.0%	$414.7M0.0%	$414.7M0.0%	$414.7M+0.8%	$411.4M-0.2%	$412.2M+0.2%	$411.4M
Total Liabilities	$24.3B+2.5%	$23.7B-0.2%	$23.7B-3.6%	$24.6B-0.2%	$24.7B-1.6%	$25.1B-2.2%	$25.6B-5.9%	$27.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$3.0B-0.3%	$3.0B+0.8%	$3.0B-0.6%	$3.0B+0.4%	$3.0B+0.7%	$3.0B+1.4%	$3.0B+1.2%	$2.9B
Retained Earnings	$2.1B+1.9%	$2.1B+1.7%	$2.1B+1.8%	$2.0B+1.5%	$2.0B+1.1%	$2.0B+1.9%	$1.9B+2.1%	$1.9B

WAFDP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$237.0M-46.1%	$439.2M+105.3%	$214.0M-20.3%	$268.5M-14.6%	$314.5M+88.7%	$166.6M
Capital Expenditures	$28.7M+16.3%	$24.7M+63.9%	$15.1M+27.8%	$11.8M-60.0%	$29.5M-7.7%	$31.9M
Free Cash Flow	$208.2M-49.8%	$414.6M+108.4%	$198.9M-22.5%	$256.7M-9.9%	$285.0M+111.6%	$134.7M
Investing Cash Flow	-$318.4M-109.7%	$3.3B+338.6%	-$1.4B+44.7%	-$2.5B-330.0%	-$579.7M+37.1%	-$921.0M
Financing Cash Flow	-$1.6B+29.4%	-$2.3B-259.2%	$1.5B+78.6%	$817.9M+25.2%	$653.1M-68.0%	$2.0B
Dividends Paid	$84.6M+14.0%	$74.3M+16.4%	$63.8M+3.6%	$61.6M-6.5%	$65.9M-0.9%	$66.5M
Share Buybacks	$101.9M+276.6%	$27.1M-11.1%	$30.5M+834.4%	$3.3M-99.1%	$348.7M+210.9%	$112.1M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$60.5M+5.4%	$57.4M-1.1%	$58.0M-19.6%	$72.1M+45.9%	$49.4M-48.8%	$96.6M+53.0%	$63.1M-62.7%	$169.2M
Capital Expenditures	$10.4M-11.3%	$11.8M+138.8%	$4.9M-11.2%	$5.6M-13.8%	$6.4M-10.5%	$7.2M+48.2%	$4.9M+9.7%	$4.4M
Free Cash Flow	$50.0M+9.7%	$45.6M-14.1%	$53.1M-20.3%	$66.6M+54.9%	$43.0M-51.9%	$89.4M+53.4%	$58.3M-64.6%	$164.8M
Investing Cash Flow	-$511.7M-770.8%	-$58.8M-112.5%	$468.9M+319.1%	-$214.0M+58.4%	-$514.6M-241.8%	$362.9M-85.6%	$2.5B+424.0%	$480.0M
Financing Cash Flow	$528.8M+451.2%	-$150.6M+84.1%	-$949.1M-606.0%	-$134.4M+67.1%	-$408.2M+28.5%	-$571.0M+64.1%	-$1.6B-452.2%	-$288.2M
Dividends Paid	$20.4M-2.4%	$20.9M-1.8%	$21.2M-1.7%	$21.6M+3.3%	$20.9M+0.3%	$20.9M-0.3%	$20.9M+27.0%	$16.5M
Share Buybacks	$58.0M+101.2%	$28.8M-40.3%	$48.3M+126.5%	$21.3M+525.8%	$3.4M+1264.0%	$250K-97.4%	$9.5M+3864.6%	$240K

WAFDP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	762.5%+35.2pp	727.2%-261.0pp	988.2%+77.2pp	911.0%+167.2pp	743.8%+11.7pp	732.1%
Return on Equity	7.4%+0.8pp	6.7%-3.9pp	10.6%+0.2pp	10.4%+1.8pp	8.6%+0.0pp	8.6%
Return on Assets	0.9%+0.1pp	0.7%-0.4pp	1.1%0.0pp	1.1%+0.2pp	0.9%0.0pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.78-0.6	8.35+0.1	8.26+0.1	8.13-0.1	8.24-0.1	8.33
FCF Margin	702.3%-804.7pp	1507.1%+743.6pp	763.5%-225.9pp	989.4%-165.0pp	1154.4%+586.0pp	568.4%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	816.9%+55.6pp	761.4%-55.1pp	816.5%+19.3pp	797.1%+126.3pp	670.8%-196.8pp	867.6%-60.0pp	927.6%+690.4pp	237.2%
Return on Equity	2.1%+0.1pp	2.0%-0.1pp	2.1%+0.2pp	1.8%+0.3pp	1.6%-0.5pp	2.0%-0.1pp	2.2%+1.6pp	0.5%
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%-0.1pp	0.2%0.0pp	0.2%+0.2pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.01+0.2	7.78-0.1	7.87-0.2	8.12-0.0	8.16-0.2	8.35-0.3	8.66-0.7	9.32
FCF Margin	636.8%+63.8pp	573.0%-126.5pp	699.5%-244.0pp	943.5%+333.4pp	610.1%-658.9pp	1268.9%+431.4pp	837.5%-1622.5pp	2460.1%

Frequently Asked Questions

What is WaFd's annual revenue?

WaFd (WAFDP) reported $29.6M in total revenue for fiscal year 2025. This represents a 7.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is WaFd's revenue growing?

WaFd (WAFDP) revenue grew by 7.8% year-over-year, from $27.5M to $29.6M in fiscal year 2025.

Is WaFd profitable?

Yes, WaFd (WAFDP) reported a net income of $226.1M in fiscal year 2025, with a net profit margin of 762.5%.

What is WaFd's net profit margin?

WaFd (WAFDP) had a net profit margin of 762.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does WaFd pay dividends?

Yes, WaFd (WAFDP) paid $1.07 per share in dividends during fiscal year 2025.

What is WaFd's return on equity (ROE)?

WaFd (WAFDP) has a return on equity of 7.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is WaFd's free cash flow?

WaFd (WAFDP) generated $208.2M in free cash flow during fiscal year 2025. This represents a -49.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is WaFd's operating cash flow?

WaFd (WAFDP) generated $237.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are WaFd's total assets?

WaFd (WAFDP) had $26.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are WaFd's capital expenditures?

WaFd (WAFDP) invested $28.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does WaFd buy back shares?

Yes, WaFd (WAFDP) spent $101.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does WaFd have outstanding?

WaFd (WAFDP) had 77M shares outstanding as of fiscal year 2025.

What is WaFd's debt-to-equity ratio?

WaFd (WAFDP) had a debt-to-equity ratio of 7.78 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is WaFd's return on assets (ROA)?

WaFd (WAFDP) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is WaFd's Piotroski F-Score?

WaFd (WAFDP) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are WaFd's earnings high quality?

WaFd (WAFDP) has an earnings quality ratio of 1.05x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is WaFd?

WaFd (WAFDP) scores 29 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.