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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.19
WAFD's Cash-to-Debt is ranked lower than
88% of the 1482 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 vs. WAFD: 0.19 )
Ranked among companies with meaningful Cash-to-Debt only.
WAFD' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.21 Max: 0.87
Current: 0.19
0.02
0.87
Equity-to-Asset 0.13
WAFD's Equity-to-Asset is ranked higher than
77% of the 1484 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 2.17
WAFD's Interest Coverage is ranked higher than
57% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. WAFD: 2.17 )
Ranked among companies with meaningful Interest Coverage only.
WAFD' s Interest Coverage Range Over the Past 10 Years
Min: 0.24  Med: 1.06 Max: 2.17
Current: 2.17
0.24
2.17
Piotroski F-Score: 5
Beneish M-Score: -2.62
WACC vs ROIC
8.24%
4.74%
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 % 55.13
WAFD's Operating Margin % is ranked higher than
90% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.60 vs. WAFD: 55.13 )
Ranked among companies with meaningful Operating Margin % only.
WAFD' s Operating Margin % Range Over the Past 10 Years
Min: 20.15  Med: 53.84 Max: 75.91
Current: 55.13
20.15
75.91
Net Margin % 36.61
WAFD's Net Margin % is ranked higher than
84% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.84 vs. WAFD: 36.61 )
Ranked among companies with meaningful Net Margin % only.
WAFD' s Net Margin % Range Over the Past 10 Years
Min: 12.82  Med: 34.26 Max: 48.96
Current: 36.61
12.82
48.96
ROE % 8.62
WAFD's ROE % is ranked higher than
53% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.26 vs. WAFD: 8.62 )
Ranked among companies with meaningful ROE % only.
WAFD' s ROE % Range Over the Past 10 Years
Min: 2.64  Med: 7.58 Max: 10.46
Current: 8.62
2.64
10.46
ROA % 1.15
WAFD's ROA % is ranked higher than
72% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. WAFD: 1.15 )
Ranked among companies with meaningful ROA % only.
WAFD' s ROA % Range Over the Past 10 Years
Min: 0.39  Med: 1.08 Max: 1.4
Current: 1.15
0.39
1.4
3-Year Revenue Growth Rate 9.90
WAFD's 3-Year Revenue Growth Rate is ranked higher than
76% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.80 vs. WAFD: 9.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
WAFD' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -5.7  Med: 3.2 Max: 13.3
Current: 9.9
-5.7
13.3
3-Year EBITDA Growth Rate 7.30
WAFD's 3-Year EBITDA Growth Rate is ranked higher than
54% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. WAFD: 7.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
WAFD' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -29.4  Med: 2.8 Max: 38.6
Current: 7.3
-29.4
38.6
3-Year EPS without NRI Growth Rate 7.10
WAFD's 3-Year EPS without NRI Growth Rate is ranked higher than
50% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. WAFD: 7.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
WAFD' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -34.5  Med: 5 Max: 41
Current: 7.1
-34.5
41
GuruFocus has detected 3 Warning Signs with Washington Federal Inc $WAFD.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» WAFD's 10-Y Financials

Financials (Next Earnings Date: 2017-07-14 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

WAFD Guru Trades in Q1 2016

David Dreman 505,721 sh (New)
Jim Simons 724,376 sh (+135.36%)
Paul Tudor Jones Sold Out
Jeff Auxier 23,939 sh (-0.34%)
HOTCHKIS & WILEY 518,083 sh (-0.80%)
Chuck Royce 111,403 sh (-66.38%)
» More
Q2 2016

WAFD Guru Trades in Q2 2016

Jeff Auxier 23,939 sh (unchged)
HOTCHKIS & WILEY 513,083 sh (-0.97%)
Jim Simons 429,200 sh (-40.75%)
Chuck Royce 60,003 sh (-46.14%)
David Dreman 381 sh (-99.92%)
» More
Q3 2016

WAFD Guru Trades in Q3 2016

Jim Simons 454,800 sh (+5.96%)
David Dreman 381 sh (unchged)
Jeff Auxier 23,939 sh (unchged)
HOTCHKIS & WILEY 510,453 sh (-0.51%)
Chuck Royce 57,003 sh (-5.00%)
» More
Q4 2016

WAFD Guru Trades in Q4 2016

Paul Tudor Jones 32,096 sh (New)
Chuck Royce 80,003 sh (+40.35%)
David Dreman 381 sh (unchged)
Jeff Auxier 23,939 sh (unchged)
Jim Simons 440,200 sh (-3.21%)
HOTCHKIS & WILEY 174,810 sh (-65.75%)
» 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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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6021
Compare:NYSE:AF, NAS:CFFN, NAS:BOFI, NAS:NWBI, NYSE:PFS, NYSE:FBC, NAS:ISBC, NAS:KRNY, NYSE:BHLB, NAS:EBSB, NAS:OCFC, NAS:UBNK, NAS:CASH, NAS:FFIC, NAS:DCOM, NAS:LOB, NAS:HMST, NAS:HONE, NAS:WSBF, NAS:FDEF » details
Traded in other countries:WAO.Germany,
Washington Federal Inc is a bank holding company operating through its subsidiaries. Its activity includes accepting deposits & lending out loans of various types. The Bank is also engaged in real estate investment & insurance brokerage activities.

Seattle-based Washington Federal runs more than 200 offices across eight states, primarily in the West. Key states include Washington, Oregon, and Arizona, which account for nearly 80% of loans. Profits are derived mostly from interest sources, as noninterest income makes up only about 7% of net revenue. Most of the loan book is oriented toward single-family mortgages, which account for 65% of the portfolio. Multifamily loans account for nearly 11%, and commercial real estate loans for about an additional 8%.

Ratios

vs
industry
vs
history
PE Ratio 17.04
WAFD's PE Ratio is ranked lower than
65% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.36 vs. WAFD: 17.04 )
Ranked among companies with meaningful PE Ratio only.
WAFD' s PE Ratio Range Over the Past 10 Years
Min: 9.74  Med: 14.52 Max: 67.71
Current: 17.04
9.74
67.71
Forward PE Ratio 17.12
WAFD's Forward PE Ratio is ranked lower than
67% of the 407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.26 vs. WAFD: 17.12 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.04
WAFD's PE Ratio without NRI is ranked lower than
64% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. WAFD: 17.04 )
Ranked among companies with meaningful PE Ratio without NRI only.
WAFD' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.74  Med: 14.52 Max: 67.71
Current: 17.04
9.74
67.71
Price-to-Owner-Earnings 17.09
WAFD's Price-to-Owner-Earnings is ranked lower than
63% of the 860 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.74 vs. WAFD: 17.09 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WAFD' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.98  Med: 15.38 Max: 133.93
Current: 17.09
9.98
133.93
PB Ratio 1.41
WAFD's PB Ratio is ranked lower than
68% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. WAFD: 1.41 )
Ranked among companies with meaningful PB Ratio only.
WAFD' s PB Ratio Range Over the Past 10 Years
Min: 0.55  Med: 1.09 Max: 1.8
Current: 1.41
0.55
1.8
PS Ratio 6.23
WAFD's PS Ratio is ranked lower than
88% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. WAFD: 6.23 )
Ranked among companies with meaningful PS Ratio only.
WAFD' s PS Ratio Range Over the Past 10 Years
Min: 3.12  Med: 4.88 Max: 8.59
Current: 6.23
3.12
8.59
Price-to-Free-Cash-Flow 16.69
WAFD's Price-to-Free-Cash-Flow is ranked lower than
70% of the 854 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.08 vs. WAFD: 16.69 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
WAFD' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.49  Med: 14.05 Max: 31.79
Current: 16.69
4.49
31.79
Price-to-Operating-Cash-Flow 14.82
WAFD's Price-to-Operating-Cash-Flow is ranked lower than
69% of the 920 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. WAFD: 14.82 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
WAFD' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.34  Med: 11.98 Max: 20.82
Current: 14.82
4.34
20.82
EV-to-EBIT 17.62
WAFD's EV-to-EBIT is ranked lower than
67% of the 1204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.59 vs. WAFD: 17.62 )
Ranked among companies with meaningful EV-to-EBIT only.
WAFD' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.7  Med: 18.3 Max: 613.5
Current: 17.62
12.7
613.5
EV-to-EBITDA 16.82
WAFD's EV-to-EBITDA is ranked lower than
70% of the 1219 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. WAFD: 16.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
WAFD' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.1  Med: 17.7 Max: 345.9
Current: 16.82
11.1
345.9
PEG Ratio 3.10
WAFD's PEG Ratio is ranked lower than
75% of the 767 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. WAFD: 3.10 )
Ranked among companies with meaningful PEG Ratio only.
WAFD' s PEG Ratio Range Over the Past 10 Years
Min: 0.29  Med: 0.93 Max: 14.59
Current: 3.1
0.29
14.59
Shiller PE Ratio 23.78
WAFD's Shiller PE Ratio is ranked lower than
59% of the 488 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.69 vs. WAFD: 23.78 )
Ranked among companies with meaningful Shiller PE Ratio only.
WAFD' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.28  Med: 12.79 Max: 26.24
Current: 23.78
6.28
26.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.79
WAFD's Dividend Yield % is ranked lower than
72% of the 2308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. WAFD: 1.79 )
Ranked among companies with meaningful Dividend Yield % only.
WAFD' s Dividend Yield % Range Over the Past 10 Years
Min: 0.93  Med: 1.88 Max: 6
Current: 1.79
0.93
6
Dividend Payout Ratio 0.30
WAFD's Dividend Payout Ratio is ranked higher than
86% of the 1308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. WAFD: 0.30 )
Ranked among companies with meaningful Dividend Payout Ratio only.
WAFD' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.19  Med: 0.27 Max: 1.18
Current: 0.3
0.19
1.18
3-Year Dividend Growth Rate 15.20
WAFD's 3-Year Dividend Growth Rate is ranked higher than
70% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. WAFD: 15.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
WAFD' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -37.8  Med: 5.2 Max: 23.9
Current: 15.2
-37.8
23.9
Forward Dividend Yield % 1.88
WAFD's Forward Dividend Yield % is ranked lower than
72% of the 2276 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.87 vs. WAFD: 1.88 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.65
WAFD's 5-Year Yield-on-Cost % is ranked higher than
55% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. WAFD: 3.65 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
WAFD' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.9  Med: 3.83 Max: 12.23
Current: 3.65
1.9
12.23
3-Year Average Share Buyback Ratio 4.30
WAFD's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. WAFD: 4.30 )
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: -0.4 Max: 4.3
Current: 4.3
-8.7
4.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.66
WAFD's Price-to-Tangible-Book is ranked lower than
71% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. WAFD: 1.66 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WAFD' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.84  Med: 1.58 Max: 2.13
Current: 1.66
0.84
2.13
Price-to-Intrinsic-Value-Projected-FCF 0.87
WAFD's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
60% of the 895 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. WAFD: 0.87 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WAFD' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.73 Max: 1
Current: 0.87
0.44
1
Price-to-Median-PS-Value 1.28
WAFD's Price-to-Median-PS-Value is ranked lower than
66% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. WAFD: 1.28 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WAFD' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.66  Med: 1.15 Max: 1.71
Current: 1.28
0.66
1.71
Price-to-Graham-Number 1.12
WAFD's Price-to-Graham-Number is ranked lower than
67% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. WAFD: 1.12 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WAFD' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.69  Med: 0.97 Max: 2.02
Current: 1.12
0.69
2.02
Earnings Yield (Greenblatt) % 5.68
WAFD's Earnings Yield (Greenblatt) % is ranked lower than
51% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.77 vs. WAFD: 5.68 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WAFD' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.2  Med: 5.5 Max: 7.9
Current: 5.68
0.2
7.9
Forward Rate of Return (Yacktman) % 8.18
WAFD's Forward Rate of Return (Yacktman) % is ranked lower than
60% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.32 vs. WAFD: 8.18 )
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: -22.3  Med: 7.1 Max: 53.1
Current: 8.18
-22.3
53.1

More Statistics

Revenue (TTM) (Mil) $464.8
EPS (TTM) $ 1.86
Beta1.14
Short Percentage of Float3.59%
52-Week Range $21.63 - 35.95
Shares Outstanding (Mil)89.31

Analyst Estimate

Sep17 Sep18
Revenue (Mil $)
EPS ($) 1.87 2.02
EPS without NRI ($) 1.87 2.02
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($) 0.56 0.58
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