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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.14
WAFD's Cash-to-Debt is ranked lower than
89% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.05 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: 0.09 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 1624 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
Debt-to-Equity 1.13
WAFD's Debt-to-Equity is ranked lower than
72% of the 1247 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. WAFD: 1.13 )
Ranked among companies with meaningful Debt-to-Equity only.
WAFD' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.45  Med: 1.42 Max: 3.39
Current: 1.13
0.45
3.39
Debt-to-EBITDA 7.79
WAFD's Debt-to-EBITDA is ranked lower than
65% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.03 vs. WAFD: 7.79 )
Ranked among companies with meaningful Debt-to-EBITDA only.
WAFD' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 6.76  Med: 9.46 Max: 25.7
Current: 7.79
6.76
25.7
Interest Coverage 2.19
WAFD's Interest Coverage is ranked higher than
57% of the 1562 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. WAFD: 2.19 )
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: 2.19
0.24
2.13
Beneish M-Score: -2.77
WACC vs ROIC
6.90%
4.56%
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 % 52.92
WAFD's Operating Margin % is ranked higher than
86% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 32.07 vs. WAFD: 52.92 )
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: 52.92
20.15
75.91
Net Margin % 35.84
WAFD's Net Margin % is ranked higher than
80% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.99 vs. WAFD: 35.84 )
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: 35.84
12.82
48.96
ROE % 8.66
WAFD's ROE % is ranked higher than
50% of the 1653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. WAFD: 8.66 )
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: 8.66
2.64
10.46
ROA % 1.16
WAFD's ROA % is ranked higher than
69% of the 1657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. WAFD: 1.16 )
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: 1.16
0.39
1.4
3-Year Revenue Growth Rate 9.90
WAFD's 3-Year Revenue Growth Rate is ranked higher than
74% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 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: -14.6  Med: 3.2 Max: 13.3
Current: 9.9
-14.6
13.3
3-Year EBITDA Growth Rate 7.30
WAFD's 3-Year EBITDA Growth Rate is ranked higher than
54% of the 1396 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 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
51% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 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: 3 Max: 41
Current: 7.1
-34.5
41
GuruFocus has detected 3 Warning Signs with Washington Federal Inc WAFD.
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» WAFD's 30-Y Financials

Financials (Next Earnings Date: 2018-01-17)


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

» Details

Guru Trades

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
Q1 2017

WAFD Guru Trades in Q1 2017

Chuck Royce 137,603 sh (+72.00%)
HOTCHKIS & WILEY Sold Out
David Dreman Sold Out
Jeff Auxier 23,839 sh (-0.42%)
Paul Tudor Jones 27,478 sh (-14.39%)
Jim Simons 343,500 sh (-21.97%)
» More
Q2 2017

WAFD Guru Trades in Q2 2017

Jeff Auxier 23,839 sh (unchged)
Chuck Royce Sold Out
Jim Simons 228,700 sh (-33.42%)
Paul Tudor Jones 11,270 sh (-58.99%)
» More
Q3 2017

WAFD Guru Trades in Q3 2017

Paul Tudor Jones 12,815 sh (+13.71%)
Jeff Auxier 23,739 sh (-0.42%)
Jim Simons 198,676 sh (-13.13%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2017-03-31 Sold Out 0.02%$31.7 - $35.15 $ 33.600%0
David Dreman 2017-03-31 Sold Out 0.01%$31.7 - $35.15 $ 33.600%0
HOTCHKIS & WILEY 2016-12-31 Reduce -65.75%0.04%$26.38 - $35.3 $ 33.6010%174,810
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6021
Compare:NYSE:AF, NYSE:FBC, NAS:CFFN, NYSE:PFS, NAS:ISBC, NAS:NWBI, NAS:BOFI, NAS:KRNY, NAS:EBSB, NAS:UBNK, NAS:OCFC, NAS:LOB, NAS:FFIC, NAS:DCOM, NAS:HMST, NAS:CASH, NZSE:HBL, OSTO:NDX, NAS:HONE, NAS:WSBF » details
Traded in other countries:WAO.Germany,
Headquarter Location:USA
Washington Federal Inc is a bank holding company operating through its subsidiaries. Its activity includes accepting deposits and lending out loans of various types. The bank is also engaged in real estate investment and 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 17.32
WAFD's PE Ratio is ranked lower than
63% of the 1528 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. WAFD: 17.32 )
Ranked among companies with meaningful PE Ratio only.
WAFD' s PE Ratio Range Over the Past 10 Years
Min: 9.74  Med: 14.75 Max: 67.71
Current: 17.32
9.74
67.71
Forward PE Ratio 16.18
WAFD's Forward PE Ratio is ranked lower than
69% of the 372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.77 vs. WAFD: 16.18 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.32
WAFD's PE Ratio without NRI is ranked lower than
63% of the 1531 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.75 vs. WAFD: 17.32 )
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: 14.75 Max: 67.71
Current: 17.32
9.74
67.71
Price-to-Owner-Earnings 18.91
WAFD's Price-to-Owner-Earnings is ranked lower than
67% of the 922 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.44 vs. WAFD: 18.91 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WAFD' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.94  Med: 15.51 Max: 134.73
Current: 18.91
9.94
134.73
PB Ratio 1.46
WAFD's PB Ratio is ranked lower than
66% of the 1636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. WAFD: 1.46 )
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: 1.46
0.55
1.8
PS Ratio 6.38
WAFD's PS Ratio is ranked lower than
86% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. WAFD: 6.38 )
Ranked among companies with meaningful PS Ratio only.
WAFD' s PS Ratio Range Over the Past 10 Years
Min: 3.13  Med: 4.85 Max: 8.59
Current: 6.38
3.13
8.59
Price-to-Free-Cash-Flow 18.59
WAFD's Price-to-Free-Cash-Flow is ranked lower than
75% of the 890 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.78 vs. WAFD: 18.59 )
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: 14.13 Max: 31.88
Current: 18.59
4.49
31.88
Price-to-Operating-Cash-Flow 17.29
WAFD's Price-to-Operating-Cash-Flow is ranked lower than
78% of the 957 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.35 vs. WAFD: 17.29 )
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: 12 Max: 20.86
Current: 17.29
4.34
20.86
EV-to-EBIT 18.91
WAFD's EV-to-EBIT is ranked lower than
69% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.71 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: 18.7 Max: 613.5
Current: 18.91
12.7
613.5
EV-to-EBITDA 16.95
WAFD's EV-to-EBITDA is ranked lower than
67% of the 1254 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.38 vs. WAFD: 16.95 )
Ranked among companies with meaningful EV-to-EBITDA only.
WAFD' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.1  Med: 16.7 Max: 345.9
Current: 16.95
11.1
345.9
EV-to-Revenue 10.01
WAFD's EV-to-Revenue is ranked lower than
89% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.22 vs. WAFD: 10.01 )
Ranked among companies with meaningful EV-to-Revenue only.
WAFD' s EV-to-Revenue Range Over the Past 10 Years
Min: 5.1  Med: 8.5 Max: 19.2
Current: 10.01
5.1
19.2
PEG Ratio 3.05
WAFD's PEG Ratio is ranked lower than
73% of the 831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.52 vs. WAFD: 3.05 )
Ranked among companies with meaningful PEG Ratio only.
WAFD' s PEG Ratio Range Over the Past 10 Years
Min: 0.29  Med: 0.99 Max: 5.43
Current: 3.05
0.29
5.43
Shiller PE Ratio 24.67
WAFD's Shiller PE Ratio is ranked lower than
60% of the 508 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.19 vs. WAFD: 24.67 )
Ranked among companies with meaningful Shiller PE Ratio only.
WAFD' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.2  Med: 13.56 Max: 26.24
Current: 24.67
6.2
26.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.79
WAFD's Dividend Yield % is ranked lower than
71% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.62 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: 1.82 Max: 6
Current: 1.79
0.93
6
Dividend Payout Ratio 0.31
WAFD's Dividend Payout Ratio is ranked higher than
70% of the 1387 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. WAFD: 0.31 )
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: 0.31
0.19
1.18
3-Year Dividend Growth Rate 15.20
WAFD's 3-Year Dividend Growth Rate is ranked higher than
73% of the 820 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 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: 9.5 Max: 23.9
Current: 15.2
-37.8
23.9
Forward Dividend Yield % 1.79
WAFD's Forward Dividend Yield % is ranked lower than
74% of the 2240 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. WAFD: 1.79 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.63
WAFD's 5-Year Yield-on-Cost % is ranked higher than
53% of the 2723 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.29 vs. WAFD: 3.63 )
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: 3.73 Max: 12.23
Current: 3.63
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 1129 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.20 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: -27.4  Med: -0.5 Max: 4.3
Current: 4.3
-27.4
4.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.72
WAFD's Price-to-Tangible-Book is ranked lower than
69% of the 1630 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. WAFD: 1.72 )
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: 1.62 Max: 16.3
Current: 1.72
0.84
16.3
Price-to-Intrinsic-Value-Projected-FCF 0.93
WAFD's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
56% of the 857 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. WAFD: 0.93 )
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: 0.43  Med: 0.83 Max: 1.54
Current: 0.93
0.43
1.54
Price-to-Median-PS-Value 1.32
WAFD's Price-to-Median-PS-Value is ranked lower than
66% of the 1469 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. WAFD: 1.32 )
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: 0.57  Med: 1.15 Max: 1.86
Current: 1.32
0.57
1.86
Price-to-Peter-Lynch-Fair-Value 2.79
WAFD's Price-to-Peter-Lynch-Fair-Value is ranked lower than
87% of the 439 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. WAFD: 2.79 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
WAFD' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.7 Max: 10.63
Current: 2.79
0.53
10.63
Price-to-Graham-Number 1.16
WAFD's Price-to-Graham-Number is ranked lower than
65% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. WAFD: 1.16 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WAFD' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.42  Med: 0.95 Max: 2.36
Current: 1.16
0.42
2.36
Earnings Yield (Greenblatt) % 5.29
WAFD's Earnings Yield (Greenblatt) % is ranked lower than
52% of the 1657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.51 vs. WAFD: 5.29 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WAFD' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.2  Med: 5.3 Max: 7.9
Current: 5.29
0.2
7.9
Forward Rate of Return (Yacktman) % 10.45
WAFD's Forward Rate of Return (Yacktman) % is ranked lower than
53% of the 981 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.33 vs. WAFD: 10.45 )
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: 8.7 Max: 53.2
Current: 10.45
-22.3
53.2

More Statistics

Revenue (TTM) (Mil) $484.14
EPS (TTM) $ 1.94
Beta1.09
Short Percentage of Float2.88%
52-Week Range $29.80 - 35.95
Shares Outstanding (Mil)87.19

Analyst Estimate

Sep18 Sep19
Revenue (Mil $) 516 561
EPS ($) 2.08 2.25
EPS without NRI ($) 2.08 2.25
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($) 0.63 0.67

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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