# WaFd Inc. (WAFD) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $36.30, market value $2.7 billion.

## Valuation
- **P/E (trailing): 11.5×** (5-yr avg 10.1×, 3-yr avg 10.2×). WaFd Inc. trades at 11.5× trailing earnings, close to its own five-year average of 10.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.8×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 2.08**. A PEG of 2.08 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 84.9×**. Each dollar of revenue is priced at 84.9×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 8.5%** (5-yr avg 13.4%). Free cash flow equals 8.5% of the market value, below its five-year average of 13.4%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.7%**. The inverse of the P/E: 8.7% of the price is earned each year.

## Profitability
- **Return on equity: 7.4%**. 7.4% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.0%**. Each dollar of assets produces 1.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 7.8%** (3-yr 4.6%/yr, 5-yr 4.6%/yr). Revenue grew 7.8% over the last year, against 4.6% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 5.2%** (3-yr -8.1%/yr, 5-yr 3.1%/yr). Earnings per share rose 5.2%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): -6.7%/yr**. Free cash flow has compounded at -6.7% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.98%** ($1.07 per share, trailing). WaFd Inc. yields 2.98%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 37%** (36% of free cash flow). 37% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 7**. 7 straight years of increases.
- **Dividend growth (5 yr): 4.2%/yr** (1-yr 3.8%). The dividend has grown 4.2% a year over five years.

## Price and momentum
- **Total return (1 yr): 16.4%** (YTD 15.2%, 3-mo 2.1%). The shares are up 16.4% over twelve months including dividends.
- **From 52-week high: -8.1%** (38.0% above the low). Trading 8% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 46**. An RSI of 46 is neutral.
- **Beta (1 yr): 0.55** (volatility 23%). Beta of 0.55 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=WAFD · Page: https://foliofundamentals.com/stocks/wafd

Not investment advice.