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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 0.41
WAFD's Cash to Debt is ranked higher than
64% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. WAFD: 0.41 )
WAFD' s 10-Year Cash to Debt Range
Min: 0.01   Max: 0.87
Current: 0.41

0.01
0.87
Equity to Asset 0.13
WAFD's Equity to Asset is ranked higher than
88% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. WAFD: 0.13 )
WAFD' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.16
Current: 0.13

0.11
0.16
Interest Coverage 1.93
WAFD's Interest Coverage is ranked higher than
76% of the 1845 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. WAFD: 1.93 )
WAFD' s 10-Year Interest Coverage Range
Min: 0.24   Max: 1.93
Current: 1.93

0.24
1.93
F-Score: 6
Z-Score: 0.28
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 : 6/10

vs
industry
vs
history
Operating margin (%) 56.77
WAFD's Operating margin (%) is ranked higher than
96% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.47 vs. WAFD: 56.77 )
WAFD' s 10-Year Operating margin (%) Range
Min: 20.15   Max: 82.56
Current: 56.77

20.15
82.56
Net-margin (%) 36.07
WAFD's Net-margin (%) is ranked higher than
92% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. WAFD: 36.07 )
WAFD' s 10-Year Net-margin (%) Range
Min: 12.82   Max: 53.51
Current: 36.07

12.82
53.51
ROE (%) 8.00
WAFD's ROE (%) is ranked higher than
73% of the 2042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. WAFD: 8.00 )
WAFD' s 10-Year ROE (%) Range
Min: 3.13   Max: 16.23
Current: 8

3.13
16.23
ROA (%) 1.10
WAFD's ROA (%) is ranked higher than
86% of the 2045 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. WAFD: 1.10 )
WAFD' s 10-Year ROA (%) Range
Min: 0.39   Max: 2.06
Current: 1.1

0.39
2.06
ROC (Joel Greenblatt) (%) 106.39
WAFD's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 2013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.18 vs. WAFD: 106.39 )
WAFD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 12.29   Max: 385.53
Current: 106.39

12.29
385.53
Revenue Growth (3Y)(%) 2.60
WAFD's Revenue Growth (3Y)(%) is ranked higher than
80% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. WAFD: 2.60 )
WAFD' s 10-Year Revenue Growth (3Y)(%) Range
Min: -4.1   Max: 12.7
Current: 2.6

-4.1
12.7
EBITDA Growth (3Y)(%) 17.20
WAFD's EBITDA Growth (3Y)(%) is ranked higher than
86% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. WAFD: 17.20 )
WAFD' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -29.4   Max: 31.9
Current: 17.2

-29.4
31.9
EPS Growth (3Y)(%) 15.70
WAFD's EPS Growth (3Y)(%) is ranked higher than
82% of the 1550 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. WAFD: 15.70 )
WAFD' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.5   Max: 41
Current: 15.7

-34.5
41
» WAFD's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

WAFD Guru Trades in Q4 2013

David Dreman 386,285 sh (+14.18%)
Chuck Royce 612,900 sh (+3.55%)
Joel Greenblatt 16,796 sh (+0.08%)
Jeff Auxier 24,826 sh (unchged)
Paul Tudor Jones Sold Out
Steven Cohen Sold Out
Jim Simons 432,276 sh (-9.37%)
» More
Q1 2014

WAFD Guru Trades in Q1 2014

Chuck Royce 664,003 sh (+8.34%)
David Dreman 398,307 sh (+3.11%)
Jeff Auxier 24,826 sh (unchged)
Joel Greenblatt 14,300 sh (-14.86%)
Jim Simons 228,626 sh (-47.11%)
» More
Q2 2014

WAFD Guru Trades in Q2 2014

Chuck Royce 680,003 sh (+2.41%)
Jeff Auxier 24,826 sh (unchged)
Jim Simons Sold Out
David Dreman 389,265 sh (-2.27%)
Joel Greenblatt 9,484 sh (-33.68%)
» More
Q3 2014

WAFD Guru Trades in Q3 2014

Jim Simons 144,178 sh (New)
Paul Tudor Jones 12,600 sh (New)
Joel Greenblatt 9,870 sh (+4.07%)
David Dreman 394,365 sh (+1.31%)
Jeff Auxier 24,770 sh (-0.23%)
Chuck Royce 675,003 sh (-0.74%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-06-30 Reduce -33.68%$20.33 - $23.4 $ 22.171%9484
David Dreman 2013-09-30 Reduce -81.41%0.81%$19.61 - $22.58 $ 22.174%338324
David Dreman 2013-06-30 Reduce -16.98%0.17%$16.04 - $18.88 $ 22.1729%1820010
Joel Greenblatt 2013-06-30 Add 27.57%$16.04 - $18.88 $ 22.1729%18372
Joel Greenblatt 2012-09-30 New Buy0.01%$15.51 - $17.14 $ 22.1736%12112
Ray Dalio 2011-12-31 Sold Out 0.0042%$12.39 - $14.1 $ 22.1766%0
Ray Dalio 2011-09-30 New Buy$13.1 - $17.43 $ 22.1745%21991
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.30
WAFD's P/E(ttm) is ranked higher than
81% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.00 vs. WAFD: 14.30 )
WAFD' s 10-Year P/E(ttm) Range
Min: 9.77   Max: 68.59
Current: 14.3

9.77
68.59
P/B 1.10
WAFD's P/B is ranked higher than
78% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. WAFD: 1.10 )
WAFD' s 10-Year P/B Range
Min: 0.55   Max: 1.97
Current: 1.1

0.55
1.97
P/S 5.20
WAFD's P/S is ranked higher than
65% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.59 vs. WAFD: 5.20 )
WAFD' s 10-Year P/S Range
Min: 3.15   Max: 17.68
Current: 5.2

3.15
17.68
PFCF 18.50
WAFD's PFCF is ranked higher than
78% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WAFD: 18.50 )
WAFD' s 10-Year PFCF Range
Min: 4.5   Max: 32.24
Current: 18.5

4.5
32.24
EV-to-EBIT 13.43
WAFD's EV-to-EBIT is ranked higher than
80% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.57 vs. WAFD: 13.43 )
WAFD' s 10-Year EV-to-EBIT Range
Min: 11.3   Max: 23951.7
Current: 13.43

11.3
23951.7
PEG 0.64
WAFD's PEG is ranked higher than
94% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WAFD: 0.64 )
WAFD' s 10-Year PEG Range
Min: 0.26   Max: 12.97
Current: 0.64

0.26
12.97
Shiller P/E 18.90
WAFD's Shiller P/E is ranked higher than
86% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WAFD: 18.90 )
WAFD' s 10-Year Shiller P/E Range
Min: 6.78   Max: 23.41
Current: 18.9

6.78
23.41

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.10
WAFD's Dividend Yield is ranked lower than
54% of the 1880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.31 vs. WAFD: 2.10 )
WAFD' s 10-Year Dividend Yield Range
Min: 0.93   Max: 6
Current: 2.1

0.93
6
Dividend Payout 0.29
WAFD's Dividend Payout is ranked higher than
79% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. WAFD: 0.29 )
WAFD' s 10-Year Dividend Payout Range
Min: 0.19   Max: 1.18
Current: 0.29

0.19
1.18
Dividend growth (3y) 23.90
WAFD's Dividend growth (3y) is ranked higher than
91% of the 1131 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. WAFD: 23.90 )
WAFD' s 10-Year Dividend growth (3y) Range
Min: -37.8   Max: 23.9
Current: 23.9

-37.8
23.9
Yield on cost (5-Year) 5.89
WAFD's Yield on cost (5-Year) is ranked higher than
85% of the 1893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 vs. WAFD: 5.89 )
WAFD' s 10-Year Yield on cost (5-Year) Range
Min: 2.61   Max: 16.82
Current: 5.89

2.61
16.82
Share Buyback Rate 3.00
WAFD's Share Buyback Rate is ranked higher than
95% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. WAFD: 3.00 )
WAFD' s 10-Year Share Buyback Rate Range
Min: 4.2   Max: -8.7
Current: 3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.32
WAFD's Price/Tangible Book is ranked higher than
77% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. WAFD: 1.32 )
WAFD' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 2.14
Current: 1.32

0.84
2.14
Price/DCF (Projected) 0.67
WAFD's Price/DCF (Projected) is ranked higher than
86% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.17 vs. WAFD: 0.67 )
WAFD' s 10-Year Price/DCF (Projected) Range
Min: 0.41   Max: 1
Current: 0.67

0.41
1
Price/Median PS Value 0.94
WAFD's Price/Median PS Value is ranked higher than
91% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. WAFD: 0.94 )
WAFD' s 10-Year Price/Median PS Value Range
Min: 0.58   Max: 3.11
Current: 0.94

0.58
3.11
Price/Peter Lynch Fair Value 0.57
WAFD's Price/Peter Lynch Fair Value is ranked higher than
97% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WAFD: 0.57 )
WAFD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53   Max: 4.4
Current: 0.57

0.53
4.4
Price/Graham Number 0.90
WAFD's Price/Graham Number is ranked higher than
82% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. WAFD: 0.90 )
WAFD' s 10-Year Price/Graham Number Range
Min: 0.68   Max: 1.49
Current: 0.9

0.68
1.49
Earnings Yield (Greenblatt) 7.40
WAFD's Earnings Yield (Greenblatt) is ranked higher than
77% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. WAFD: 7.40 )
WAFD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 8.8
Current: 7.4

1
8.8
Forward Rate of Return (Yacktman) 33.75
WAFD's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 1250 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.90 vs. WAFD: 33.75 )
WAFD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -25.7   Max: 61.6
Current: 33.75

-25.7
61.6

Analyst Estimate

Sep15 Sep16
Revenue(Mil) 457
EPS($) 1.61 1.85
EPS without NRI($) 1.61 1.85

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » 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 a 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 182 branches located in Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico and Texas. Through its subsidiaries, the Company is also engaged in real estate investment and insurance brokerage activities. The sources of funds for the Company's activities are retained earnings, loan repayments (including prepayments), net deposit inflows, repayments and sales of investments and borrowings. The Company 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 Company faces strong 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 Company is subject to a variety of operational risks, including legal and compliance risk, fraud and theft risk and the risk of operational errors.
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