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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 0.37
WAFD's Cash to Debt is ranked lower than
74% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. WAFD: 0.37 )
Ranked among companies with meaningful Cash to Debt only.
WAFD' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.13 Max: 0.87
Current: 0.37
0.01
0.87
Equity to Asset 0.14
WAFD's Equity to Asset is ranked higher than
80% of the 1323 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. WAFD: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
WAFD' s 10-Year Equity to Asset Range
Min: 0.11  Med: 0.13 Max: 0.16
Current: 0.14
0.11
0.16
Interest Coverage 1.93
WAFD's Interest Coverage is ranked higher than
55% of the 1239 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. WAFD: 1.93 )
Ranked among companies with meaningful Interest Coverage only.
WAFD' s 10-Year Interest Coverage Range
Min: 0.24  Med: 0.71 Max: 1.93
Current: 1.93
0.24
1.93
F-Score: 4
WACC vs ROIC
7.77%
4.94%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 54.63
WAFD's Operating margin (%) is ranked higher than
89% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. WAFD: 54.63 )
Ranked among companies with meaningful Operating margin (%) only.
WAFD' s 10-Year Operating margin (%) Range
Min: 20.15  Med: 77.02 Max: 82.56
Current: 54.63
20.15
82.56
Net-margin (%) 35.17
WAFD's Net-margin (%) is ranked higher than
81% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. WAFD: 35.17 )
Ranked among companies with meaningful Net-margin (%) only.
WAFD' s 10-Year Net-margin (%) Range
Min: 12.82  Med: 49.78 Max: 53.51
Current: 35.17
12.82
53.51
ROE (%) 7.95
WAFD's ROE (%) is ranked lower than
51% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. WAFD: 7.95 )
Ranked among companies with meaningful ROE (%) only.
WAFD' s 10-Year ROE (%) Range
Min: 2.64  Med: 12.12 Max: 16.23
Current: 7.95
2.64
16.23
ROA (%) 1.08
WAFD's ROA (%) is ranked higher than
67% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. WAFD: 1.08 )
Ranked among companies with meaningful ROA (%) only.
WAFD' s 10-Year ROA (%) Range
Min: 0.39  Med: 1.65 Max: 2.06
Current: 1.08
0.39
2.06
ROC (Joel Greenblatt) (%) 97.61
WAFD's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.24 vs. WAFD: 97.61 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
WAFD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 12.29  Med: 106.82 Max: 385.53
Current: 97.61
12.29
385.53
Revenue Growth (3Y)(%) 2.60
WAFD's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. WAFD: 2.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WAFD' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.6  Med: 3.20 Max: 13.3
Current: 2.6
-5.6
13.3
EBITDA Growth (3Y)(%) 17.20
WAFD's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 1035 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. WAFD: 17.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WAFD' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -29.4  Med: 2.90 Max: 33
Current: 17.2
-29.4
33
EPS Growth (3Y)(%) 15.70
WAFD's EPS Growth (3Y)(%) is ranked higher than
64% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. WAFD: 15.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WAFD' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.5  Med: 5.10 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

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

Paul Tudor Jones 12,600 sh (New)
Jim Simons 144,178 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
Q4 2014

WAFD Guru Trades in Q4 2014

Jim Simons 192,368 sh (+33.42%)
David Dreman 419,829 sh (+6.46%)
Jeff Auxier 24,770 sh (unchged)
Paul Tudor Jones Sold Out
Joel Greenblatt Sold Out
Chuck Royce 672,003 sh (-0.44%)
» More
Q1 2015

WAFD Guru Trades in Q1 2015

Joel Greenblatt 10,051 sh (New)
James Barrow 76,533 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
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.60
WAFD's P/E(ttm) is ranked lower than
56% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. WAFD: 14.60 )
Ranked among companies with meaningful P/E(ttm) only.
WAFD' s 10-Year P/E(ttm) Range
Min: 9.77  Med: 14.57 Max: 68.59
Current: 14.6
9.77
68.59
Forward P/E 14.06
WAFD's Forward P/E is ranked lower than
71% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.17 vs. WAFD: 14.06 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.60
WAFD's PE(NRI) is ranked lower than
56% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. WAFD: 14.60 )
Ranked among companies with meaningful PE(NRI) only.
WAFD' s 10-Year PE(NRI) Range
Min: 9.74  Med: 14.59 Max: 67.71
Current: 14.6
9.74
67.71
P/B 1.14
WAFD's P/B is ranked lower than
55% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. WAFD: 1.14 )
Ranked among companies with meaningful P/B only.
WAFD' s 10-Year P/B Range
Min: 0.55  Med: 1.12 Max: 1.97
Current: 1.14
0.55
1.97
P/S 5.15
WAFD's P/S is ranked lower than
82% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. WAFD: 5.15 )
Ranked among companies with meaningful P/S only.
WAFD' s 10-Year P/S Range
Min: 3.13  Med: 5.18 Max: 17.68
Current: 5.15
3.13
17.68
PFCF 21.30
WAFD's PFCF is ranked lower than
78% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.27 vs. WAFD: 21.30 )
Ranked among companies with meaningful PFCF only.
WAFD' s 10-Year PFCF Range
Min: 4.49  Med: 14.28 Max: 87.26
Current: 21.3
4.49
87.26
POCF 14.70
WAFD's POCF is ranked lower than
73% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.79 vs. WAFD: 14.70 )
Ranked among companies with meaningful POCF only.
WAFD' s 10-Year POCF Range
Min: 4.35  Med: 10.45 Max: 20.9
Current: 14.7
4.35
20.9
EV-to-EBIT 13.81
WAFD's EV-to-EBIT is ranked higher than
51% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.99 vs. WAFD: 13.81 )
Ranked among companies with meaningful EV-to-EBIT only.
WAFD' s 10-Year EV-to-EBIT Range
Min: 12.6  Med: 20.00 Max: 613.5
Current: 13.81
12.6
613.5
PEG 0.59
WAFD's PEG is ranked higher than
76% of the 575 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. WAFD: 0.59 )
Ranked among companies with meaningful PEG only.
WAFD' s 10-Year PEG Range
Min: 0.32  Med: 0.77 Max: 12.97
Current: 0.59
0.32
12.97
Shiller P/E 18.38
WAFD's Shiller P/E is ranked lower than
58% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.76 vs. WAFD: 18.38 )
Ranked among companies with meaningful Shiller P/E only.
WAFD' s 10-Year Shiller P/E Range
Min: 6.78  Med: 14.06 Max: 23.18
Current: 18.38
6.78
23.18
Days Sales Outstanding 39.40
WAFD's Days Sales Outstanding is ranked lower than
57% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.98 vs. WAFD: 39.40 )
Ranked among companies with meaningful Days Sales Outstanding only.
WAFD' s 10-Year Days Sales Outstanding Range
Min: 34.75  Med: 59.07 Max: 84.62
Current: 39.4
34.75
84.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.23
WAFD's Dividend Yield is ranked lower than
60% of the 2204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. WAFD: 2.23 )
Ranked among companies with meaningful Dividend Yield only.
WAFD' s 10-Year Dividend Yield Range
Min: 0.93  Med: 1.96 Max: 6
Current: 2.23
0.93
6
Dividend Payout 0.24
WAFD's Dividend Payout is ranked higher than
68% of the 1287 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WAFD: 0.24 )
Ranked among companies with meaningful Dividend Payout only.
WAFD' s 10-Year Dividend Payout Range
Min: 0.07  Med: 0.43 Max: 1.67
Current: 0.24
0.07
1.67
Dividend growth (3y) 23.90
WAFD's Dividend growth (3y) is ranked higher than
79% of the 657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. WAFD: 23.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
WAFD' s 10-Year Dividend growth (3y) Range
Min: -37.8  Med: 5.20 Max: 23.9
Current: 23.9
-37.8
23.9
Yield on cost (5-Year) 5.36
WAFD's Yield on cost (5-Year) is ranked higher than
75% of the 2195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. WAFD: 5.36 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WAFD' s 10-Year Yield on cost (5-Year) Range
Min: 2.25  Med: 4.74 Max: 14.5
Current: 5.36
2.25
14.5
Share Buyback Rate 3.00
WAFD's Share Buyback Rate is ranked higher than
93% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. WAFD: 3.00 )
Ranked among companies with meaningful Share Buyback Rate only.
WAFD' s 10-Year Share Buyback Rate Range
Min: 4.2  Med: -0.20 Max: -8.7
Current: 3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.34
WAFD's Price/Tangible Book is ranked lower than
61% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. WAFD: 1.34 )
Ranked among companies with meaningful Price/Tangible Book only.
WAFD' s 10-Year Price/Tangible Book Range
Min: 0.84  Med: 1.65 Max: 2.13
Current: 1.34
0.84
2.13
Price/Projected FCF 0.59
WAFD's Price/Projected FCF is ranked higher than
62% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. WAFD: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
WAFD' s 10-Year Price/Projected FCF Range
Min: 0.44  Med: 0.73 Max: 1.05
Current: 0.59
0.44
1.05
Price/Median PS Value 0.99
WAFD's Price/Median PS Value is ranked higher than
65% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. WAFD: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
WAFD' s 10-Year Price/Median PS Value Range
Min: 0.62  Med: 1.10 Max: 3.31
Current: 0.99
0.62
3.31
Price/Peter Lynch Fair Value 0.76
WAFD's Price/Peter Lynch Fair Value is ranked higher than
64% of the 358 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. WAFD: 0.76 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WAFD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53  Med: 1.53 Max: 10.63
Current: 0.76
0.53
10.63
Price/Graham Number 0.93
WAFD's Price/Graham Number is ranked lower than
58% of the 1155 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. WAFD: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
WAFD' s 10-Year Price/Graham Number Range
Min: 0.68  Med: 0.98 Max: 2.03
Current: 0.93
0.68
2.03
Earnings Yield (Greenblatt) (%) 7.20
WAFD's Earnings Yield (Greenblatt) (%) is ranked higher than
55% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. WAFD: 7.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WAFD' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 5.00 Max: 8
Current: 7.2
0.2
8
Forward Rate of Return (Yacktman) (%) 26.70
WAFD's Forward Rate of Return (Yacktman) (%) is ranked higher than
73% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. WAFD: 26.70 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WAFD' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -23.7  Med: 9.40 Max: 52.1
Current: 26.7
-23.7
52.1

Analyst Estimate

Sep15 Sep16 Sep17
Revenue(Mil) 449 471
EPS($) 1.58 1.65 1.80
EPS without NRI($) 1.58 1.65 1.80

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 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 251 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 (including prepayments), 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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