WaFd, Inc. (WAFD) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI

WaFd, Inc. (WAFD) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI | MarketCI

WAFD

Market Closed

WaFd, Inc.

NASDAQFinancial Services Banks - Regional

1.98K employees

CEO: Brent J. Beardall

Founded: 1982

$38.39

+$0.00(+NaN%)

Market Cap

2.84B

Beta

0.83

52W Range

N/A

Dividend Yield

2.81%

Overview Forecasts Fundamental Market Sentiment Valuation Ownership

Financial Statements

Comprehensive breakdown of financial statements and performance metrics

Gross Margin

50.9%

1.9%

CAGR: 6.1%

Profit after direct costs

Operating Margin

20.5%

13.1%

CAGR: 5.6%

Core business profitability

Net Margin

16.0%

13.0%

CAGR: 5.3%

Bottom line profitability

Revenue Growth

-1.6%

YoY

CAGR: 21.2%

Top line growth rate

Revenue Flow Analysis

Visual flow showing how WAFD allocates revenue across expenses and profit

Fiscal Year 2025

Revenue Distribution

Flow of revenue through cost categories to net income

Gross Margin

50.9%

$717.73M

Operating Margin

20.5%

$289.64M

Net Margin

16.0%

$226.07M

Detailed Income Statement

Complete profit and loss breakdown with margin analysis and historical comparison

Item	2021	2022	2023	2024	2025	YoY Change
Total Revenue	652.60M	733.38M	1.10B	1.43B	1.41B	-1.6%
Cost of Revenue	(87.00M)	(74.77M)	(394.22M)	(728.38M)	(692.96M)	-4.9%
Gross Profit	565.60M	658.61M	701.11M	704.33M	717.73M	1.9%
Operating Expenses
Research & Development	—	—	—	—	—	—
Selling, General & Administrative	(190.47M)	(203.45M)	(216.56M)	(263.02M)	(327.18M)	24.4%
General & Administrative	(190.47M)	(203.45M)	(216.56M)	(263.02M)	(60.10M)	-77.1%
Selling & Marketing	—	—	—	—	(267.08M)	—
Depreciation & Amortization	(33.91M)	(64.05M)	(22.97M)	(134.10M)	(9.72M)	-92.8%
Operating Income (EBIT)	233.14M	300.04M	325.08M	256.06M	289.64M	13.1%
Non-Operating Items
Interest Income	591.61M	666.36M	1.04B	1.37B	1.34B	-2.4%
Interest Expense	(86.50M)	(71.77M)	(352.72M)	(710.88M)	(685.21M)	-3.6%
Other Income/Expenses (Net)	—	—	—	—	—	—
Income Before Tax	233.14M	300.04M	325.08M	256.06M	289.64M	13.1%
Income Tax Expense	(49.52M)	(63.71M)	(67.65M)	(56.02M)	(63.57M)	13.5%
Net Income	183.62M	236.33M	257.43M	200.04M	226.07M	13.0%
Per Share Metrics
Earnings Per Share (Basic)	$2	$3	$4	$3	$3	5.6%
Weighted Avg Shares Outstanding	72.53M	65.29M	65.19M	74.24M	80.18M	8.0%
Weighted Avg Shares Outstanding (Diluted)	72.57M	65.40M	65.25M	74.29M	80.26M	8.0%
EBITDA	267.05M	364.09M	348.05M	390.16M	299.36M	-23.3%

Explore WAFD

Overview

Key metrics and AI-powered insights

Forecast

Price targets and earnings estimates

Fundamentals

Income, balance sheet and cash flow

Valuation

P/E, DCF and valuation multiples

Ownership

Institutional and insider holdings

Sentiment

Analyst ratings and news sentiment

WAFD in the Financial Services

Mid Cap

Financial Services

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Banks - Regional

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