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Banks · Financial Services · Fiscal year ends Sep 30
WAFD reported revenue of $30M in the fiscal year ended Sep 2025, up 7.8% from the year before. Net income was $226M. Operating cash flow of $237M less capital expenditure of $29M left free cash flow of $208M.
Ranks among the 59 banks companies we cover (1st = best; for debt, the least indebted). Green = top third, red = bottom third.
Last 5 fiscal years
| Fiscal year | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Revenue | 24.7 | 25.9 | 26.1 | 27.5 | 29.7 |
| Net interest incomeBanks | 505 | 595 | 690 | 661 | 654 |
| Interest expense | 86.5 | 71.8 | 353 | 711 | 685 |
| Pre-tax income | 233 | 300 | 325 | 256 | 290 |
| Income tax | 49.5 | 63.7 | 67.7 | 56.0 | 63.6 |
| Net income | 184 | 236 | 257 | 200 | 226 |
| Diluted EPS | 2.39 | 3.39 | 3.72 | 2.50 | 2.63 |
| Diluted shares | 72.6 | 65.4 | 65.3 | 74.3 | 80.3 |
| Fiscal year | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 2,091 | 684 | 981 | 2,381 | 657 |
| Net PP&E | 255 | 243 | 237 | 248 | 261 |
| Goodwill | 303 | 303 | 305 | 411 | 415 |
| Total assets | 19,651 | 20,772 | 22,475 | 28,060 | 26,700 |
| Long-term debt | – | 2,125 | 3,650 | – | – |
| DepositsBanks | 15,542 | 16,030 | 16,070 | 21,374 | 21,438 |
| Total liabilities | 17,525 | 18,498 | 20,048 | 25,060 | 23,660 |
| Shareholders' equity | 2,126 | 2,274 | 2,426 | 3,000 | 3,040 |
| Fiscal year | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 314 | 268 | 214 | 439 | 237 |
| Capital expenditure | 29.5 | 11.8 | 15.1 | 24.7 | 28.7 |
| Free cash flow | 285 | 257 | 199 | 415 | 208 |
| Depreciation & amortisation | – | 64.1 | 23.0 | 134 | 9.7 |
| Stock-based compensation | 6.4 | 6.8 | 7.9 | 9.2 | 8.5 |
| Acquisitions | 1.5 | 0.0 | 2.6 | −624 | 0.4 |
| Share buybacks | 349 | 3.3 | 30.5 | 27.1 | 102 |
| Dividends paid | 65.9 | 61.6 | 63.8 | 74.3 | 84.6 |
| Dividend per share | 0.91 | 0.95 | 0.99 | 1.03 | 1.07 |
| Fiscal year | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | 5.1% | 0.4% | 5.6% | 7.8% |
| EPS growth (YoY) | – | 41.8% | 9.7% | −32.8% | 5.2% |
| Net margin | 743.8% | 911.0% | 988.2% | 727.2% | 762.5% |
| Return on equityBlank when equity is negative | 8.6% | 10.4% | 10.6% | 6.7% | 7.4% |
| Free cash flow margin | 1154.4% | 989.4% | 763.5% | 1507.1% | 702.3% |
| Cash conversion (CFO ÷ net income) | 1.71x | 1.14x | 0.83x | 2.20x | 1.05x |
| Debt ÷ equity | – | 0.93x | 1.50x | – | – |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | – | 1,441 | 2,669 | – | – |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.