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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.14
WAFD's Cash to Debt is ranked lower than
89% of the 1162 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. WAFD: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
WAFD' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.18 Max: 0.87
Current: 0.14
0.01
0.87
Equity to Asset 0.13
WAFD's Equity to Asset is ranked higher than
76% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. WAFD: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
WAFD' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.13 Max: 0.16
Current: 0.13
0.11
0.16
Interest Coverage 2.14
WAFD's Interest Coverage is ranked higher than
58% of the 1543 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. WAFD: 2.14 )
Ranked among companies with meaningful Interest Coverage only.
WAFD' s Interest Coverage Range Over the Past 10 Years
Min: 0.24  Med: 0.78 Max: 2.13
Current: 2.14
0.24
2.13
F-Score: 6
M-Score: -2.52
WACC vs ROIC
7.50%
4.60%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 52.54
WAFD's Operating margin (%) is ranked higher than
86% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.23 vs. WAFD: 52.54 )
Ranked among companies with meaningful Operating margin (%) only.
WAFD' s Operating margin (%) Range Over the Past 10 Years
Min: 20.15  Med: 53.59 Max: 80.16
Current: 52.54
20.15
80.16
Net-margin (%) 33.97
WAFD's Net-margin (%) is ranked higher than
77% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.64 vs. WAFD: 33.97 )
Ranked among companies with meaningful Net-margin (%) only.
WAFD' s Net-margin (%) Range Over the Past 10 Years
Min: 12.82  Med: 34.37 Max: 52.46
Current: 33.97
12.82
52.46
ROE (%) 8.07
WAFD's ROE (%) is ranked lower than
53% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.42 vs. WAFD: 8.07 )
Ranked among companies with meaningful ROE (%) only.
WAFD' s ROE (%) Range Over the Past 10 Years
Min: 2.64  Med: 7.58 Max: 11.68
Current: 8.07
2.64
11.68
ROA (%) 1.09
WAFD's ROA (%) is ranked higher than
64% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. WAFD: 1.09 )
Ranked among companies with meaningful ROA (%) only.
WAFD' s ROA (%) Range Over the Past 10 Years
Min: 0.39  Med: 1.08 Max: 1.65
Current: 1.09
0.39
1.65
Revenue Growth (3Y)(%) 7.00
WAFD's Revenue Growth (3Y)(%) is ranked higher than
67% of the 1369 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. WAFD: 7.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WAFD' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.1  Med: 3.10 Max: 10.8
Current: 7
-3.1
10.8
EBITDA Growth (3Y)(%) 10.60
WAFD's EBITDA Growth (3Y)(%) is ranked higher than
64% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. WAFD: 10.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WAFD' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.8  Med: 2.90 Max: 31.8
Current: 10.6
-28.8
31.8
EPS Growth (3Y)(%) 9.00
WAFD's EPS Growth (3Y)(%) is ranked higher than
55% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. WAFD: 9.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WAFD' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.5  Med: 4.90 Max: 41.1
Current: 9
-34.5
41.1
» WAFD's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

WAFD Guru Trades in Q1 2015

Barrow, Hanley, Mewhinney & Strauss 76,533 sh (New)
Joel Greenblatt 10,051 sh (New)
David Dreman 454,119 sh (+8.17%)
Chuck Royce 667,003 sh (-0.74%)
Jeff Auxier 24,570 sh (-0.81%)
Jim Simons 42,076 sh (-78.13%)
» More
Q2 2015

WAFD Guru Trades in Q2 2015

David Dreman 495,987 sh (+9.22%)
Barrow, Hanley, Mewhinney & Strauss 80,672 sh (+5.41%)
Joel Greenblatt Sold Out
Jim Simons Sold Out
Jeff Auxier 24,170 sh (-1.63%)
Chuck Royce 628,003 sh (-5.85%)
» More
Q3 2015

WAFD Guru Trades in Q3 2015

Jim Simons 46,300 sh (New)
HOTCHKIS & WILEY 526,916 sh (New)
David Dreman 565,597 sh (+14.03%)
Jeff Auxier 24,170 sh (unchged)
Barrow, Hanley, Mewhinney & Strauss 80,672 sh (unchged)
Chuck Royce 592,003 sh (-5.73%)
» More
Q4 2015

WAFD Guru Trades in Q4 2015

Paul Tudor Jones 17,600 sh (New)
Jim Simons 307,776 sh (+564.74%)
David Dreman Sold Out
Barrow, Hanley, Mewhinney & Strauss Sold Out
Jeff Auxier 24,020 sh (-0.62%)
HOTCHKIS & WILEY 522,283 sh (-0.88%)
Chuck Royce 331,403 sh (-44.02%)
» More
» Details

Insider Trades

Latest Guru Trades with WAFD

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 14.25
WAFD's P/E(ttm) is ranked lower than
58% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.56 vs. WAFD: 14.25 )
Ranked among companies with meaningful P/E(ttm) only.
WAFD' s P/E(ttm) Range Over the Past 10 Years
Min: 9.77  Med: 14.42 Max: 68.59
Current: 14.25
9.77
68.59
Forward P/E 13.09
WAFD's Forward P/E is ranked lower than
69% of the 368 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.76 vs. WAFD: 13.09 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.25
WAFD's PE(NRI) is ranked lower than
58% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.56 vs. WAFD: 14.25 )
Ranked among companies with meaningful PE(NRI) only.
WAFD' s PE(NRI) Range Over the Past 10 Years
Min: 9.74  Med: 14.44 Max: 67.71
Current: 14.25
9.74
67.71
Price/Owner Earnings (ttm) 12.92
WAFD's Price/Owner Earnings (ttm) is ranked lower than
55% of the 880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. WAFD: 12.92 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
WAFD' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.91  Med: 15.24 Max: 133.93
Current: 12.92
9.91
133.93
P/B 1.10
WAFD's P/B is ranked lower than
58% of the 1642 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. WAFD: 1.10 )
Ranked among companies with meaningful P/B only.
WAFD' s P/B Range Over the Past 10 Years
Min: 0.55  Med: 1.09 Max: 1.8
Current: 1.1
0.55
1.8
P/S 4.94
WAFD's P/S is ranked lower than
80% of the 1637 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. WAFD: 4.94 )
Ranked among companies with meaningful P/S only.
WAFD' s P/S Range Over the Past 10 Years
Min: 3.12  Med: 4.90 Max: 8.59
Current: 4.94
3.12
8.59
PFCF 16.34
WAFD's PFCF is ranked lower than
73% of the 858 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.68 vs. WAFD: 16.34 )
Ranked among companies with meaningful PFCF only.
WAFD' s PFCF Range Over the Past 10 Years
Min: 4.49  Med: 14.75 Max: 70.21
Current: 16.34
4.49
70.21
POCF 11.88
WAFD's POCF is ranked lower than
66% of the 975 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. WAFD: 11.88 )
Ranked among companies with meaningful POCF only.
WAFD' s POCF Range Over the Past 10 Years
Min: 4.34  Med: 12.83 Max: 20.82
Current: 11.88
4.34
20.82
EV-to-EBIT 15.72
WAFD's EV-to-EBIT is ranked lower than
60% of the 1503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.40 vs. WAFD: 15.72 )
Ranked among companies with meaningful EV-to-EBIT only.
WAFD' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.7  Med: 17.75 Max: 613.5
Current: 15.72
12.7
613.5
EV-to-EBITDA 14.61
WAFD's EV-to-EBITDA is ranked lower than
61% of the 1507 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.24 vs. WAFD: 14.61 )
Ranked among companies with meaningful EV-to-EBITDA only.
WAFD' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.1  Med: 17.50 Max: 345.9
Current: 14.61
11.1
345.9
PEG 0.77
WAFD's PEG is ranked higher than
63% of the 724 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. WAFD: 0.77 )
Ranked among companies with meaningful PEG only.
WAFD' s PEG Range Over the Past 10 Years
Min: 0.3  Med: 0.91 Max: 13.13
Current: 0.77
0.3
13.13
Shiller P/E 18.33
WAFD's Shiller P/E is ranked lower than
56% of the 504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.22 vs. WAFD: 18.33 )
Ranked among companies with meaningful Shiller P/E only.
WAFD' s Shiller P/E Range Over the Past 10 Years
Min: 6.28  Med: 12.74 Max: 19.49
Current: 18.33
6.28
19.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.23
WAFD's Dividend Yield is ranked lower than
66% of the 2098 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. WAFD: 2.23 )
Ranked among companies with meaningful Dividend Yield only.
WAFD' s Dividend Yield Range Over the Past 10 Years
Min: 0.93  Med: 1.91 Max: 6
Current: 2.23
0.93
6
Dividend Payout 0.31
WAFD's Dividend Payout is ranked higher than
68% of the 1273 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. WAFD: 0.31 )
Ranked among companies with meaningful Dividend Payout only.
WAFD' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.42 Max: 1.67
Current: 0.31
0.07
1.67
Dividend Growth (3y) 6.80
WAFD's Dividend Growth (3y) is ranked lower than
54% of the 742 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.80 vs. WAFD: 6.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
WAFD' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -37.8  Med: 5.20 Max: 23.9
Current: 6.8
-37.8
23.9
Forward Dividend Yield 2.31
WAFD's Forward Dividend Yield is ranked lower than
68% of the 1965 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.74 vs. WAFD: 2.31 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.83
WAFD's Yield on cost (5-Year) is ranked higher than
66% of the 2495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. WAFD: 4.83 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WAFD' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.01  Med: 4.13 Max: 12.99
Current: 4.83
2.01
12.99
3-Year Average Share Buyback Ratio 3.60
WAFD's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 1112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. WAFD: 3.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WAFD' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -8.7  Med: -0.20 Max: 4.2
Current: 3.6
-8.7
4.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.33
WAFD's Price/Tangible Book is ranked lower than
64% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. WAFD: 1.33 )
Ranked among companies with meaningful Price/Tangible Book only.
WAFD' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.62 Max: 2.13
Current: 1.33
0.84
2.13
Price/Projected FCF 0.66
WAFD's Price/Projected FCF is ranked lower than
51% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. WAFD: 0.66 )
Ranked among companies with meaningful Price/Projected FCF only.
WAFD' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.47  Med: 0.73 Max: 1.11
Current: 0.66
0.47
1.11
Price/Median PS Value 1.01
WAFD's Price/Median PS Value is ranked lower than
51% of the 1548 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. WAFD: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
WAFD' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.66  Med: 1.16 Max: 1.71
Current: 1.01
0.66
1.71
Price/Peter Lynch Fair Value 1.33
WAFD's Price/Peter Lynch Fair Value is ranked lower than
75% of the 438 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.83 vs. WAFD: 1.33 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WAFD' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.53  Med: 1.68 Max: 10.63
Current: 1.33
0.53
10.63
Price/Graham Number 0.92
WAFD's Price/Graham Number is ranked lower than
60% of the 1461 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. WAFD: 0.92 )
Ranked among companies with meaningful Price/Graham Number only.
WAFD' s Price/Graham Number Range Over the Past 10 Years
Min: 0.69  Med: 0.98 Max: 2.02
Current: 0.92
0.69
2.02
Earnings Yield (Greenblatt) (%) 6.36
WAFD's Earnings Yield (Greenblatt) (%) is ranked lower than
54% of the 1644 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. WAFD: 6.36 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WAFD' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 5.65 Max: 7.9
Current: 6.36
0.2
7.9
Forward Rate of Return (Yacktman) (%) 17.09
WAFD's Forward Rate of Return (Yacktman) (%) is ranked higher than
60% of the 843 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.13 vs. WAFD: 17.09 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WAFD' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -23.8  Med: 6.30 Max: 52.7
Current: 17.09
-23.8
52.7

More Statistics

Revenue(Mil) $466
EPS $ 1.69
Beta1.15
Short Percentage of Float4.21%
52-Week Range $19.11 - 26.34
Shares Outstanding(Mil)91.56

Analyst Estimate

Sep16 Sep17
Revenue(Mil) 476 499
EPS($) 1.77 1.85
EPS without NRI($) 1.77 1.85

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NYSE:NYCB, NAS:PBCT, NAS:ISBC, NAS:CFFN, NYSE:AF » details
Traded in other countries:WAO.Germany,
Washington Federal Inc was formed in November 1994 as a Washington Corporation. It is a bank holding company that conducts its operations through federally-insured national bank subsidiary, Washington Federal, National Association. The business of the Bank consists of attracting deposits from the general public and investing these funds in loans of various types, including first lien mortgages on single-family dwellings, construction loans, land acquisition and development loans, loans on multi-family and other income producing properties, home equity loans and business loans. It also invests in certain United States government and agency obligations and other investments permitted by applicable laws and regulations. It has 247 branches located in Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico and Texas. Through its subsidiaries, the Bank is also engaged in real estate investment and insurance brokerage activities. The sources of funds for the Bank's activities are retained earnings, loan repayments, net deposit inflows, repayments and sales of investments and borrowings. The Bank obtains advances from the FHLB upon the security of the FHLB capital stock it owns and certain of its loans, provided certain standards related to credit worthiness have been met. It also uses reverse repurchase agreements as a form of borrowing. The Bank faces competition from other financial institutions and new market participants, offering services. These competitors include other national banks, savings associations, community banks, credit unions and other financial intermediaries. The Bank is subject to a variety of operational risks, including legal and compliance risk, fraud and theft risk and the risk of operational errors.
» More Articles for WAFD

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