Also trades as: WAFD (NASDAQ) · $vol 26M

$15.08

+0.06 (+0.40%)

Weekly Expected Move ±2.4%

$14 $15 $15 $16 $16

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 33 · $2.2B mcap · 12M float · 0.176% daily turnover · Short 40% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Income Trends

Revenue

$1.4B +0.5% ▲

5Y CAGR: +16.8%

Gross Profit

$775M +8.0% ▲

5Y CAGR: +6.5%

Operating Income

$328M +13.1% ▲

5Y CAGR: +7.0%

Net Income

$256M +13.2% ▲

5Y CAGR: +6.9%

EPS (Diluted)

$3.21 +22.1% ▲

5Y CAGR: +6.1%

EBITDA

$328M +9.4% ▲

5Y CAGR: +4.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$733M	$1.1B	$1.4B	$1.4B	$1.4B
YoY Growth	+12.4%	+49.4%	+30.8%	-1.6%	+0.5%
Cost of Revenue	$75M	$394M	$728M	$693M	$642M
Gross Profit	$659M	$701M	$704M	$718M	$775M
Gross Margin	89.8%	64.0%	49.2%	50.9%	54.7%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$203M	$217M	$263M	$327M	$276M
Operating Expenses	$359M	$376M	$448M	$427M	$447M
Operating Income	$300M	$325M	$256M	$290M	$328M
Operating Margin	40.9%	29.7%	17.9%	20.5%	23.1%
Interest Expense	$72M	$353M	$711M	$685M	$603M
Income Before Tax	$300M	$325M	$256M	$290M	$328M
Tax Expense	$64M	$68M	$56M	$64M	$72M
Net Income	$236M	$257M	$200M	$226M	$256M
Net Margin	32.2%	23.5%	14.0%	16.0%	18.1%
EPS (Diluted)	$3.39	$3.72	$2.50	$2.63	$3.21
EBITDA	$364M	$348M	$390M	$299M	$328M
Shares Outstanding	65M	65M	74M	80M	75M

Line Item	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3	FY2026 Q4
Revenue	$361M	$355M	$350M	$344M	$343M	$345M	$356M	$373M
Cost of Revenue	$190M	$178M	$166M	$160M	$155M	$151M	$162M	$174M
Gross Profit	$172M	$177M	$184M	$185M	$188M	$194M	$195M	$199M
Gross Margin	47.5%	49.9%	52.6%	53.8%	54.8%	56.2%	54.6%	53.3%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$65M	$59M	$104M	$83M	$65M	$69M	$69M	$73M
Operating Expenses	$111M	$105M	$104M	$107M	$106M	$110M	$110M	$121M
Operating Income	$60M	$72M	$80M	$78M	$82M	$84M	$84M	$77M
Operating Margin	16.7%	20.3%	22.8%	22.5%	24.0%	24.3%	23.7%	20.7%
Interest Expense	$190M	$175M	$164M	$157M	$151M	$147M	$151M	$154M
Income Before Tax	$60M	$72M	$80M	$78M	$82M	$84M	$84M	$77M
Tax Expense	$13M	$16M	$18M	$17M	$18M	$18M	$18M	$17M
Net Income	$47M	$56M	$62M	$61M	$64M	$66M	$66M	$60M
Net Margin	13.1%	15.9%	17.7%	17.6%	18.7%	19.0%	18.6%	16.1%
EPS (Diluted)	$0.54	$0.65	$0.73	$0.72	$0.79	$0.87	$0.89	$0.76
EBITDA	$105M	$52M	$66M	$76M	$81M	$92M	$90M	$77M
Shares Outstanding	81M	81M	80M	79M	77M	76M	74M	74M

WAFDP NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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