WaFd (WAFD) E10: $3.12 (As of Mar. 2026)


WAFD WaFd Inc WAFD
64 GF Score
Price $38.11
GF Value $30.59
Valuation Modestly Overvalued
! 9 Warning Signs
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What is WaFd E10?

WaFd WAFD +0.97% 64 E10 is $3.12 as of Mar. 2026. GuruFocus rates WAFD with a GF Score™ of 64/100 and a GF Value™ of $30.59 (Modestly Overvalued). The stock has 9 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

WaFd's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.820. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $3.12 for the trailing ten years ended in Mar. 2026.

During the past 12 months, WaFd's average E10 Growth Rate was 5.80% per year. During the past 3 years, the average E10 Growth Rate was 6.50% per year. During the past 5 years, the average E10 Growth Rate was 9.80% per year. During the past 10 years, the average E10 Growth Rate was 10.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of WaFd was 13.10% per year. The lowest was -4.10% per year. And the median was 4.30% per year.

As of today (2026-06-25), WaFd's current stock price is $38.11. WaFd's E10 for the quarter that ended in Mar. 2026 was $3.12. WaFd's Shiller PE Ratio of today is 12.21.

During the past 13 years, the highest Shiller PE Ratio of WaFd was 26.73. The lowest was 8.32. And the median was 14.46.


WaFd  (NAS:WAFD) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

WaFd's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=38.11/3.12
=12.21

* 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.

During the past 13 years, the highest Shiller P/E Ratio of WaFd was 26.73. The lowest was 8.32. And the median was 14.46.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


WaFd E10 Related Terms


WaFd E10 Historical Data

* Premium members only.

The historical data trend for WaFd's E10 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.

WaFd E10 Chart

WaFd Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.15 2.50 2.78 2.90 3.02

WaFd Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.95 2.99 3.02 3.04 3.12

WAFD vs TRMK, FBK, CUBI: E10 Comparison

For the Banks - Regional subindustry, WaFd's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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.


WaFd Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, WaFd's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where WaFd's Shiller PE Ratio falls into.


WAFD
64GF Score
WaFd Inc WAFD
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

WaFd E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, WaFd's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.82/330.2130*330.2130
=0.820

Current CPI (Mar. 2026) = 330.2130.

WaFd Quarterly Data

per share eps CPI Adj_EPS
201606 0.470 241.018 0.644
201609 0.490 241.428 0.670
201612 0.460 241.432 0.629
201703 0.470 243.801 0.637
201706 0.490 244.955 0.661
201709 0.520 246.819 0.696
201712 0.590 246.524 0.790
201803 0.570 249.554 0.754
201806 0.610 251.989 0.799
201809 0.620 252.439 0.811
201812 0.650 251.233 0.854
201903 0.630 254.202 0.818
201906 0.670 256.143 0.864
201909 0.660 256.759 0.849
201912 0.860 256.974 1.105
202003 0.470 258.115 0.601
202006 0.460 257.797 0.589
202009 0.450 260.280 0.571
202012 0.510 260.474 0.647
202103 0.560 264.877 0.698
202106 0.610 271.696 0.741
202109 0.720 274.310 0.867
202112 0.710 278.802 0.841
202203 0.700 287.504 0.804
202206 0.910 296.311 1.014
202209 1.070 296.808 1.190
202212 1.160 296.797 1.291
202303 0.950 301.836 1.039
202306 0.890 305.109 0.963
202309 0.720 307.789 0.772
202312 0.850 306.746 0.915
202403 0.170 312.332 0.180
202406 0.750 314.175 0.788
202409 0.710 315.301 0.744
202412 0.540 315.605 0.565
202503 0.650 319.799 0.671
202506 0.730 322.561 0.747
202509 0.720 324.800 0.732
202512 0.790 324.054 0.805
202603 0.820 330.213 0.820

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $3.12 mean?
WaFd (WAFD) has a E10 of $3.12 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on WaFd and its competitors.
Is WaFd's E10 too high?
WaFd's current E10 is $3.12. Overall, WaFd has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does WaFd's E10 compare to TRMK and FBK?
WaFd's E10 of $3.12 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on WaFd and its competitors. WaFd's current E10 is $3.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WaFd stock overvalued right now?
Based on GuruFocus' analysis, WaFd (WAFD) is currently considered Modestly Overvalued. The stock's GF Value™ is $30.59, compared to a current price of $38.11 — trading 24.6% above its estimated fair value. The current E10 is $3.12. WaFd's overall GF Score™ is 64/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For WaFd (WAFD), the current E10 is $3.12 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.

Is WaFd (WAFD) Overvalued in 2026?

Based on GuruFocus' analysis, WaFd stock appears to be overvalued. The current stock price of $38.11 is trading 24.6% above its estimated GF Value™ of $30.59. GuruFocus considers WaFd to be Modestly Overvalued.

Key valuation signals for WAFD:

  • E10: $3.12
  • GF Value™: $30.59 vs. price of $38.11 (24.6% above fair value)
  • GF Score™: 64/100 with 9 warning signs

No single metric tells the full story. See the WAFD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


WaFd Business Description

Other Exchanges WAFDP.PFD:USAWAO:Germany
Address 425 Pike Street, Seattle, WA, USA, 98101
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.
64GF Score

Get the complete analysis for WAFD

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.11
Price
$30.59
GF Value