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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 0.22
WAFD's Cash to Debt is ranked lower than
86% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.98 vs. WAFD: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
WAFD' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.19 Max: 0.87
Current: 0.22
0.02
0.87
Equity to Asset 0.13
WAFD's Equity to Asset is ranked higher than
75% of the 1608 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: 0.14 Max: 0.16
Current: 0.13
0.11
0.16
Interest Coverage 2.13
WAFD's Interest Coverage is ranked higher than
57% of the 1529 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. WAFD: 2.13 )
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: 2.13
Current: 2.13
0.24
2.13
F-Score: 6
M-Score: -2.46
WACC vs ROIC
8.39%
4.59%
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 (%) 53.10
WAFD's Operating margin (%) is ranked higher than
87% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.83 vs. WAFD: 53.10 )
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: 53.1
20.15
75.91
Net-margin (%) 35.11
WAFD's Net-margin (%) is ranked higher than
79% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.44 vs. WAFD: 35.11 )
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: 35.11
12.82
48.96
ROE (%) 8.35
WAFD's ROE (%) is ranked lower than
51% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.54 vs. WAFD: 8.35 )
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: 8.35
2.64
10.46
ROA (%) 1.11
WAFD's ROA (%) is ranked higher than
66% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. WAFD: 1.11 )
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: 1.11
0.39
1.4
Revenue Growth (3Y)(%) 9.90
WAFD's Revenue Growth (3Y)(%) is ranked higher than
75% of the 1340 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.30 vs. WAFD: 9.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WAFD' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.7  Med: 3.2 Max: 13.3
Current: 9.9
-5.7
13.3
EBITDA Growth (3Y)(%) 7.30
WAFD's EBITDA Growth (3Y)(%) is ranked higher than
54% of the 1229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. WAFD: 7.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WAFD' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -29.4  Med: 2.8 Max: 38.6
Current: 7.3
-29.4
38.6
EPS Growth (3Y)(%) 7.10
WAFD's EPS Growth (3Y)(%) is ranked lower than
51% of the 1204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. WAFD: 7.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WAFD' s EPS Growth (3Y)(%) 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


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

» Details

Guru Trades

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
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%)
Jeff Auxier 23,939 sh (unchged)
David Dreman 381 sh (unchged)
HOTCHKIS & WILEY 510,453 sh (-0.51%)
Chuck Royce 57,003 sh (-5.00%)
» 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: 6035
Compare:NAS:CFFN, NYSE:AF, NAS:BOFI, NYSE:PFS, NAS:NWBI, NAS:ISBC, NYSE:FBC, NAS:KRNY, NYSE:BHLB, NAS:EBSB, NAS:CASH, NAS:OCFC, NAS:UBNK, NAS:FFIC, NAS:DCOM, NAS:HMST, NAS:LOB, NAS:HONE, OTCPK:BFCFB, NAS:WSBF » 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.

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 nearly 238 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.

Ratios

vs
industry
vs
history
P/E(ttm) 19.13
WAFD's P/E(ttm) is ranked lower than
68% of the 1490 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.41 vs. WAFD: 19.13 )
Ranked among companies with meaningful P/E(ttm) only.
WAFD' s P/E(ttm) Range Over the Past 10 Years
Min: 9.74  Med: 14.5 Max: 67.71
Current: 19.13
9.74
67.71
Forward P/E 18.45
WAFD's Forward P/E is ranked lower than
76% of the 360 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.55 vs. WAFD: 18.45 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.13
WAFD's PE(NRI) is ranked lower than
68% of the 1487 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.49 vs. WAFD: 19.13 )
Ranked among companies with meaningful PE(NRI) only.
WAFD' s PE(NRI) Range Over the Past 10 Years
Min: 9.74  Med: 14.5 Max: 67.71
Current: 19.13
9.74
67.71
Price/Owner Earnings (ttm) 16.23
WAFD's Price/Owner Earnings (ttm) is ranked lower than
55% of the 876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.83 vs. WAFD: 16.23 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
WAFD' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.98  Med: 15.4 Max: 133.93
Current: 16.23
9.98
133.93
P/B 1.55
WAFD's P/B is ranked lower than
70% of the 1602 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. WAFD: 1.55 )
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: 1.55
0.55
1.8
P/S 6.72
WAFD's P/S is ranked lower than
88% of the 1580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. WAFD: 6.72 )
Ranked among companies with meaningful P/S only.
WAFD' s P/S Range Over the Past 10 Years
Min: 3.12  Med: 4.86 Max: 8.59
Current: 6.72
3.12
8.59
PFCF 17.11
WAFD's PFCF is ranked lower than
64% of the 797 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.75 vs. WAFD: 17.11 )
Ranked among companies with meaningful PFCF only.
WAFD' s PFCF Range Over the Past 10 Years
Min: 4.49  Med: 14.44 Max: 70.21
Current: 17.11
4.49
70.21
POCF 14.19
WAFD's POCF is ranked lower than
62% of the 891 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.98 vs. WAFD: 14.19 )
Ranked among companies with meaningful POCF only.
WAFD' s POCF Range Over the Past 10 Years
Min: 4.34  Med: 11.9 Max: 20.82
Current: 14.19
4.34
20.82
EV-to-EBIT 18.91
WAFD's EV-to-EBIT is ranked lower than
69% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.67 vs. WAFD: 18.91 )
Ranked among companies with meaningful EV-to-EBIT only.
WAFD' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.7  Med: 18.05 Max: 613.5
Current: 18.91
12.7
613.5
EV-to-EBITDA 18.68
WAFD's EV-to-EBITDA is ranked lower than
73% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.34 vs. WAFD: 18.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
WAFD' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.1  Med: 17.95 Max: 345.9
Current: 18.68
11.1
345.9
PEG 3.29
WAFD's PEG is ranked lower than
79% of the 754 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. WAFD: 3.29 )
Ranked among companies with meaningful PEG only.
WAFD' s PEG Range Over the Past 10 Years
Min: 0.3  Med: 0.94 Max: 14.59
Current: 3.29
0.3
14.59
Shiller P/E 25.57
WAFD's Shiller P/E is ranked lower than
63% of the 483 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WAFD: 25.57 )
Ranked among companies with meaningful Shiller P/E only.
WAFD' s Shiller P/E Range Over the Past 10 Years
Min: 6.28  Med: 12.8 Max: 26.04
Current: 25.57
6.28
26.04

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.64
WAFD's Dividend Yield is ranked lower than
74% of the 2346 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.65 vs. WAFD: 1.64 )
Ranked among companies with meaningful Dividend Yield only.
WAFD' s Dividend Yield Range Over the Past 10 Years
Min: 0.93  Med: 1.89 Max: 6
Current: 1.64
0.93
6
Dividend Payout 0.31
WAFD's Dividend Payout is ranked higher than
95% of the 1313 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. WAFD: 0.31 )
Ranked among companies with meaningful Dividend Payout only.
WAFD' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.27 Max: 1.18
Current: 0.31
0.19
1.18
Dividend Growth (3y) 15.20
WAFD's Dividend Growth (3y) is ranked higher than
67% of the 728 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.40 vs. WAFD: 15.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
WAFD' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -37.8  Med: 5.2 Max: 23.9
Current: 15.2
-37.8
23.9
Forward Dividend Yield 1.64
WAFD's Forward Dividend Yield is ranked lower than
77% of the 2244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. WAFD: 1.64 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.40
WAFD's Yield on cost (5-Year) is ranked higher than
51% of the 2639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.36 vs. WAFD: 3.40 )
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: 1.9  Med: 3.85 Max: 12.23
Current: 3.4
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 1039 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.10 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/Tangible Book 1.82
WAFD's Price/Tangible Book is ranked lower than
73% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. WAFD: 1.82 )
Ranked among companies with meaningful Price/Tangible Book only.
WAFD' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.57 Max: 2.13
Current: 1.82
0.84
2.13
Price/Projected FCF 0.96
WAFD's Price/Projected FCF is ranked lower than
66% of the 883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. WAFD: 0.96 )
Ranked among companies with meaningful Price/Projected FCF only.
WAFD' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.73 Max: 1
Current: 0.96
0.44
1
Price/Median PS Value 1.38
WAFD's Price/Median PS Value is ranked lower than
71% of the 1458 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. WAFD: 1.38 )
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: 1.18 Max: 1.72
Current: 1.38
0.66
1.72
Price/Graham Number 1.24
WAFD's Price/Graham Number is ranked lower than
69% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. WAFD: 1.24 )
Ranked among companies with meaningful Price/Graham Number only.
WAFD' s Price/Graham Number Range Over the Past 10 Years
Min: 0.69  Med: 0.97 Max: 1.44
Current: 1.24
0.69
1.44
Earnings Yield (Greenblatt) (%) 5.30
WAFD's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. WAFD: 5.30 )
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: 5.3
0.2
7.9
Forward Rate of Return (Yacktman) (%) 7.73
WAFD's Forward Rate of Return (Yacktman) (%) is ranked lower than
60% of the 867 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.21 vs. WAFD: 7.73 )
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: 6.2 Max: 52.7
Current: 7.73
-23.8
52.7

More Statistics

Revenue (TTM) (Mil) $467.3
EPS (TTM) $ 1.78
Beta1.19
Short Percentage of Float3.60%
52-Week Range $19.11 - 35.95
Shares Outstanding (Mil)89.14

Analyst Estimate

Sep17 Sep18
Revenue (Mil $)
EPS ($) 1.85 1.99
EPS w/o NRI ($) 1.85 1.99
EPS Growth Rate
(3Y to 5Y Estimate)
10.00%
Dividends Per Share ($) 0.56 0.58
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More From Other Websites
7 Low P/S Stocks With a Rising 10-Year Price Jan 09 2017
Washington Federal CEO Roy Whitehead plans to retire Jan 05 2017
WASHINGTON FEDERAL INC Files SEC form 8-K, Change in Directors or Principal Officers, Regulation FD... Jan 04 2017
Washington Federal Promotes Robert D. Peters Dec 21 2016
ETFs with exposure to Washington Federal, Inc. : December 9, 2016 Dec 09 2016
Washington Federal Inc. (WAFD): Are Hedge Funds Right About This Stock? Dec 08 2016
ETFs with exposure to Washington Federal, Inc. : November 28, 2016 Nov 28 2016
WASHINGTON FEDERAL INC Financials Nov 26 2016
Washington Federal, Inc. :WAFD-US: Earnings Analysis: 2016 By the Numbers : November 25, 2016 Nov 25 2016
WASHINGTON FEDERAL INC Files SEC form 10-K, Annual Report Nov 21 2016
ETF’s with exposure to Washington Federal, Inc. : November 10, 2016 Nov 10 2016
Washington Federal, Inc. :WAFD-US: Earnings Analysis: Q4, 2016 By the Numbers : November 9, 2016 Nov 09 2016
WASHINGTON FEDERAL INC Files SEC form 8-K, Regulation FD Disclosure Oct 27 2016
WASHINGTON FEDERAL INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 25 2016
Washington Federal Announces Cash Dividend Oct 24 2016
Washington Federal Reports Record Earnings for Fiscal Year 2016 Oct 24 2016
WASHINGTON FEDERAL INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Change in... Oct 24 2016
Washington Federal (WAFD) Tops Q4 Earnings as Costs Fall Oct 20 2016
WASHINGTON FEDERAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Regulation... Oct 19 2016
Q4 2016 Washington Federal Inc Earnings Release - Time Not Supplied Oct 19 2016

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