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Washington FederalWFSLW 76 Cash-to-Debt is 0.22 as of Mar. 2026, which is 24% below its 10-year median of 0.29. GuruFocus rates WFSLW with a GF Score™ of 76/100. The stock has 8 warning signs investors should review. Among 1,485 Banks companies, Washington Federal ranks worse than 89.23% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Washington Federal's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.22.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Washington Federalcouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Washington Federal's Cash-to-Debt or its related term are showing as below:
WFSLW'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.11 Med: 0.29 Max: 1.22
Current: 0.2
During the past 13 years, Washington Federal's highest Cash to Debt Ratio was 1.22. The lowest was 0.11. And the median was 0.29.
WFSLW's Cash-to-Debt is ranked worse than 89.23% of 1485
companies
in the Banks industry
Industry Median: 1.4
vs WFSLW: 0.20
Washington Federal (NAS:WFSLW) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Washington Federal Cash-to-Debt Related Terms
Washington Federal Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Washington Federal's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
WFSLW vs FRME, NBTB, TRMK: Cash-to-Debt Comparison
For the Banks - Regional subindustry, Washington Federal's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Washington Federal Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Washington Federal's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Washington Federal's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Washington Federal (WFSLW) has a Cash-to-Debt of 0.22 as of Mar. 2026. This is 24% below median its historical median of 0.29. Over the past decade, Washington Federal's Cash-to-Debt has ranged from 0.11 to 1.22. According to the industry distribution chart, Washington Federal ranks #1325 out of 1485 companies in the Banks industry, placing it in the top 89.2%.
Is Washington Federal's Cash-to-Debt too high?
Washington Federal's current Cash-to-Debt of 0.22 is 24% below median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 1.22. The Banks industry median Cash-to-Debt is 1.40. Washington Federal's value of 0.22 is 84.3% below this industry median. Based on the distribution chart, Washington Federal ranks #1325 out of 1485 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Washington Federal has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does Washington Federal's Cash-to-Debt compare to FRME and NBTB?
According to the Banks industry distribution chart, Washington Federal ranks #1325 out of 1485 companies for Cash-to-Debt. This places Washington Federal in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Washington Federal's value of 0.22 is 84.3% below this benchmark. Historically, Washington Federal's own Cash-to-Debt has ranged from 0.11 to 1.22 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 1.40, Washington Federal has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,485 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Washington Federal's current Cash-to-Debt of 0.22 is 84.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Washington Federal's current Cash-to-Debt is 0.22, which is 24% below median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Washington Federal stock overvalued right now?
Washington Federal (WFSLW) has a current Cash-to-Debt of 0.22. The current Cash-to-Debt is 0.22, which is 24% below median its 10-year median of 0.29 and 84.3% below the Banks industry median of 1.40. Washington Federal's overall GF Score™ is 76/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Washington Federal (WFSLW), the current Cash-to-Debt is 0.22 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
WaFd Inc is engaged in providing lending, depository, insurance, and other banking services to consumers, mid-sized to large businesses, and owners and developers of commercial real estate. Through the WaFd Bank, it is involved in accepting 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 among others. The Bank also invests in certain United States government and agency obligations along with other investments and also performs insurance brokerage activities. Geographically, it operates in Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico, California and Texas.
76GF Score
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