WaFd, Inc.
WaFd, Inc. Fundamental Analysis
WaFd, Inc. (WAFD) shows moderate financial fundamentals with a PE ratio of 10.66, profit margin of 18.26%, and ROE of 8.36%. The company generates $1.4B in annual revenue with weak year-over-year growth of -1.58%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 34.5/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze WAFD's fundamental strength across five key dimensions:
Efficiency Score
WeakWAFD struggles to generate sufficient returns from assets.
Valuation Score
ExcellentWAFD trades at attractive valuation levels.
Growth Score
WeakWAFD faces weak or negative growth trends.
Financial Health Score
WeakWAFD carries high financial risk with limited liquidity.
Profitability Score
ModerateWAFD maintains healthy but balanced margins.
Key Financial Metrics
Is WAFD Expensive or Cheap?
P/E Ratio
WAFD trades at 10.66 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, WAFD's PEG of 0.60 indicates potential undervaluation.
Price to Book
The market values WaFd, Inc. at 0.90 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.83 times EBITDA. This is generally considered low.
How Well Does WAFD Make Money?
Net Profit Margin
For every $100 in sales, WaFd, Inc. keeps $18.26 as profit after all expenses.
Operating Margin
Core operations generate 23.41 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.36 in profit for every $100 of shareholder equity.
ROA
WaFd, Inc. generates $0.92 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
WaFd, Inc. produces operating cash flow of $249.24M, showing steady but balanced cash generation.
Free Cash Flow
WaFd, Inc. generates strong free cash flow of $216.37M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.85 in free cash annually.
FCF Yield
WAFD converts 7.98% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.66
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.60
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.90
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.96
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.04
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.04
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How WAFD Stacks Against Its Sector Peers
| Metric | WAFD Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.66 | 19.02 | Better (Cheaper) |
| ROE | 8.36% | 818.00% | Weak |
| Net Margin | 18.26% | 1593.00% | Weak |
| Debt/Equity | 1.04 | 0.99 | Neutral |
| Current Ratio | 0.04 | 669.82 | Weak Liquidity |
| ROA | 0.92% | -24701.00% (disorted) | Weak |
WAFD outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews WaFd, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
90.49%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
24.72%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
36.09%
Industry Style: Value, Dividend, Cyclical
High Growth