Washington Federal, Inc.

NASDAQ
WAFD
Stock
Yield per half year: -8.06%
Dividend yield: 3.23%
Sector: Financials

Reporting Washington Federal, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Capitalization, bln $
2.19 2.35 2.97 2.76 2.91 1.96 2.4 2.34 2.19 1.86 2.36 -5.53
Revenue, bln $
0.4773 0.4856 0.5161 0.5442 0.5703 0.5799 0.6616 0.7426 0.0607 0.0607 0.5230 -36.11
Net profit, bln $
0.164 0.1735 0.2039 0.2103 0.1734 0.1836 0.2363 0.2574 0.2 0.2 0.2101 2.90
EV, bln $
4.18 6.28 4.78 4.78 2.65 2.16 3.42 4.34 3.53 3.53 3.22 5.90
EBIT, bln $
0.3666 0.3647 0.3732 0.3922 0.4532 0.3709 0.3196 0.3 0.3251 0.3251 0.3538 -6.43
EBITDA, bln $
0.2711 0.2979 0.4389 0.4842 0.4109 0.3536 0.3641 0.3251 0.2561 0.2561 0.3420 -9.02
OIBDA $
0.3048 0.3166 0.4132 0.3927 -1.05 -1.05 0.0755 -228.07
Book value, bln $
1.98 2.01 1.19 1.34 1.42 1.53 2.27 2.43 3 3 2.13 16.14
FCF, bln $
0.1838 0.1642 0.1636 0.1985 0.1347 0.285 0.2567 0.1989 0.4392 0.4392 0.2629 26.67
Operating Cash Flow, bln $
0.2217 0.1797 0.1907 0.2341 0.1666 0.3145 0.2685 0.214 0.4392 0.4392 0.2806 21.39
Operating profit, bln $
0.2481 0.2562 0.2572 0.2718 0.2192 0.2331 0.2854 0.3251 -1.1 -1.1 -0.0074 -238.07
Operating expenses, bln $
0.336 0.345 0.394 0.471 0.489 0.3325 -0.3762 -0.4175 0.7218 0.7218 0.1499 8.10
CAPEX, bln $
0.0379 0.0155 0.0271 0.0355 0.0319 0.0295 0.0118 0.0151 0.0247 0.0247 0.0226 -4.99


Balance sheet

IFRS
Reporting Annual Quarterly
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Cash, bln $
0.4504 0.3131 0.2687 0.4192 1.7 2.09 0.684 0.9806 0.026 0.026 1.10 -56.66
Short-Term Investments $
1.92 1.27 1.31 1.49 2.25 2.14 2.05 2 2.57 2.57 2.20 2.70
Long-Term Investments $
9.8 10.92 11.4 12.59 13.16 2.93 3.01 2.5 2.51 2.42 2.67 -3.75
Accounts Receivable $
0.0537 0.0416 0.0491 0.0489 0.0595 0.0545 0.0639 0.0955 0.1028 0.1028 0.0752 11.56
Total Current Assets $
1.17 0.7192 12.35 1.95 4.01 4.28 16.11 3.07 0.026 0.026 5.50 -63.49
Net assets, bln $
0.2762 0.282 0.2637 2 2.03 2.01 2.13 0.2431 0.237 0.237 1.33 -34.92
Assets, bln $
14.89 15.25 15.87 16.47 18.79 19.65 20.77 22.47 28.06 28.06 21.95 8.35
Short-Term Debt $
1.83 0.2 1.4 2.33 0.95 2.7 1.72 2.03 3.65 3.65 2.21 30.89
Long-Term Debt $
2.08 2.23 2.33 2.25 2.7 1.72 2.13 3.65 3.32 3.32 2.70 4.22
Liabilities, bln $
12.91 13.25 13.87 14.44 16.78 17.52 0.3 3.65 25.06 25.06 12.66 8.35
Net debt, bln $
1.63 1.91 2.06 1.83 0.997 -0.3708 1.44 2.67 0.9372 0.9372 1.13 -1.23
Debt, bln $
2.28 3.62 2.33 2.25 2.7 1.72 2.13 3.65 3.32 3.32 2.70 4.22
Interest Income $
0.5306 0.5368 0.5489 0.6071 0.6715 0.6213 0.5916 0.6664 1.04 0.7182 9.14
Interest Expense, bln $
0.1165 0.117 0.1349 0.1904 0.1518 0.0865 0.0718 0.3527 0.7109 0.7109 0.2747 36.18
Net interest income, bln $
0.4135 0.4202 0.4319 0.6071 0.6715 0.6213 0.5916 0.6664 1.04 1.04 0.7182 9.14
Goodwill $
0.2915 0.2915 0.2915 0.2932 0.3014 0.3014 0.3027 0.3035 0.3035 0.3048 0.3032 0.22
Amortization, bln $
0.023 0.0417 0.0467 0.0311 0.0399 0.0339 0.0641 0.023 0.1341 0.1341 0.0590 27.44
Cost of production, bln $
0.3208 0.2382 -0.0038 0.1127 -0.0106 0.1103 0.1149 0.1295 -1.37 -1.37 -0.2052 164.41
Inventory $
0.0611 -1.81 -1.29 0.0144 0.0101 0.0086 0.0082 15.29 1.09 1.09 3.28 155.05


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Average for 5 years CAGR 5
EPS 1.83 1.94 2.4 2.61 2.26 2.53 3.61 3.94 2.69 2.69 3.01 3.54
Share price 34.25 27.57 36.4 25.74 33.38 36.36 32.96 32.24 28.07 28.07 32.60 -3.41
Number of shares, mln 92 89 85.11 80 76 72 65.4 65.26 74.29 74.29 70.59 -0.45
FCF/share 2 1.85 1.92 2.47 1.75 3.93 3.92 3.05 5.91 5.91 3.71 27.56


Efficiency

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
ROE, % 8.3 8.65 10.19 10.43 8.57 8.87 10.74 10.95 7.37 7.37 -47.34 9.30 -2.97
ROA, % 1.1 1.14 1.31 1.3 0.9835 0.9552 1.17 1.19 0.7917 0.7917 10.67 1.02 -4.25
ROIC, % 4.14 4.52 4.04 4.1 4.71 5.08 3.68 4.77 7.15 5.46 6.57 5.23 1.45
ROS, % 76.85 75.99 83.28 65.04 55.12 35.72 34.66 329.6 329.6 329.6 26.44 156.94 43.00
ROCE, % 18.46 18.61 19.09 13.36 17.98 8.95 1.47 9.49 10.83 10.83 -61.28 9.74 -9.64
EBIT margin 39.39 41.18 45.35 43.77 535.62 535.62 33.41 141.06 68.54
EBITDA margin 61.34 85.04 88.98 72.04 60.97 55.03 43.77 421.89 421.89 421.89 37.49 200.71 47.24
Net margin 34.37 35.73 39.5 38.64 30.41 31.66 35.72 34.66 329.6 329.6 26.43 92.41 61.06
Operational efficiency, % 52.76 49.84 49.94 38.43 40.2 43.14 43.77 -1814.14 -1814.14 -1814.14 31.91 -700.2340 -314.23
FCF yield, % 5.48 4.85 7.83 5.53 5.92 7.39 6.67 12.04 11.8 10.46 9.67 7.20


Coefficients

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
P/E
13.23 12.79 13.36 14.01 9.51 13.56 8.39 6.49 12.94 12.94 25.86 10.18 6.35
P/BV
1.1 1.11 0.89 1.22 0.9 1.03 0.0969 0.0888 0.8629 0.8629 -12.42 0.5957 -0.84
P/S
4.55 4.57 5.28 5.41 2.89 4.29 3 2.25 42.66 42.66 6.65 11.02 71.33
P/FCF
13.58 10.08 11.04 13.44 7.67 8.47 7.25 4.23 4.23 4.23 19.35 6.37 -11.22
E/P
0.0584 0.0738 0.0782 0.0859 0.0776 0.1087 0.1353 0.1075 0.1075 0.1075 0.05 0.1073 6.74
EV/EBIT
12.07 9.26 11.41 13.35 10.85 10.85 10.85 20.36 11.14 3.22
EV/EBITDA
21.69 21.34 10.9 9.87 6.44 5.99 9.41 13.35 13.77 13.77 17.58 9.79 16.42
EV/S
12.92 12.6 10.05 8.72 5.87 5.18 5.85 58.1 58.1 58.1 6.87 26.62 58.16
EV/FCF
38.22 39.76 27.55 36.04 11.65 13.34 21.83 8.03 8.03 8.03 24.70 12.58 -7.17
Debt/EBITDA
8.73 5.31 4.65 6.57 4.86 5.84 11.23 12.96 12.96 12.96 1.93 9.57 21.67
Netdebt/Ebitda
13.89 14.45 9.46 14.27 5.05 3.96 8.21 3.66 3.66 3.66 0.97 4.91 -6.24
Debt/Ratio
0.87 0.87 0.88 0.89 0.89 0.1023 0.1624 0.1183 0.1183 0.1183 0.40 0.2783 -33.21
Debt/Equity
6.61 6.95 7.1 8.33 8.24 0.9344 1.5 1.11 8.35 8.35 -1.48 4.03 0.27
Debt/Net Income
20.86 19.67 15.22 26.16 16.59 8.99 14.18 16.59 16.59 16.59 3.28 14.59 0.00
PEG
-13.31 -13.31 2.52 -13.3100 0.00
Beta
0.85 2.17 -0.8701 -0.021 -0.021 0.34 0.5322 -139.65
Altman Index
0.25 -0.63 -0.47 -0.7 0.3 1.19 0.3262 0.278 0.2739 0.2739 42.85 0.4736 -1.80


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
Div. payout, bln
0.0511 0.0499 0.056 0.0633 0.0665 0.0723 0.057 0.0784 0.0743 0.0776 0.0697 2.24
Dividend
0.85 0.7 0.82 0.88 0.92 0.97 1.01 1.05 0.27 1.06 0.8440 -21.74
Dividend yield, %
1.31 2.54 2.25 3.42 2.76 2.76 3.67 3.55 3.73 3.23 1.81 3.29 6.21
Dividends / profit, %
30.43 42.94 27.47 30.11 38.34 39.35 32.24 30.46 37.13 37.13 56.58 35.50 -0.64
Dividend coverage ratio
2.58 2.58 32.92 2.58 0.00


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Other

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Revenue, %
5.74 5.21 1.78 2.03 40.67 40.67 47.94
Staff, people
2 132 2 144 2 120 -0.19