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Washington Federal (WAFD)
NASDAQ:WAFD
US Market

Washington Federal (WAFD) Ratios

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Washington Federal Ratios

WAFD's free cash flow for Q4 2025 was $0.54. For the 2025 fiscal year, WAFD's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
1.15 <0.01 0.24 0.16 53.71
Quick Ratio
1.15 <0.01 0.24 0.22 2.74
Cash Ratio
0.03 0.03 0.11 0.05 2.28
Solvency Ratio
<0.01 <0.01 0.01 0.08 1.00
Operating Cash Flow Ratio
0.01 0.01 0.02 0.01 0.89
Short-Term Operating Cash Flow Coverage
0.00 0.14 0.00 0.00 0.00
Net Current Asset Value
$ 566.67M$ -23.62B$ -19.88B$ -578.77M$ 15.81B
Leverage Ratios
Debt-to-Assets Ratio
0.09 0.07 0.12 0.16 0.10
Debt-to-Equity Ratio
0.82 0.60 1.11 1.50 0.93
Debt-to-Capital Ratio
0.45 0.37 0.53 0.60 0.48
Long-Term Debt-to-Capital Ratio
0.45 0.02 0.53 0.60 0.48
Financial Leverage Ratio
9.01 8.78 9.35 9.26 9.13
Debt Service Coverage Ratio
0.32 0.10 0.47 0.79 4.19
Interest Coverage Ratio
0.48 0.42 0.36 0.92 3.98
Debt to Market Cap
1.00 0.75 1.28 2.19 1.09
Interest Debt Per Share
40.73 31.21 54.27 61.40 33.65
Net Debt to EBITDA
6.33 3.87 2.40 7.67 3.96
Profitability Margins
Gross Profit Margin
52.77%50.90%49.16%100.00%100.00%
EBIT Margin
22.39%20.54%17.87%43.77%45.35%
EBITDA Margin
19.91%21.23%27.23%46.87%55.03%
Operating Profit Margin
22.39%20.54%17.87%43.77%43.14%
Pretax Profit Margin
22.39%20.54%17.87%43.77%45.35%
Net Profit Margin
17.46%16.03%13.96%34.66%35.72%
Continuous Operations Profit Margin
17.46%16.03%13.96%34.66%35.72%
Net Income Per EBT
77.96%78.05%78.12%79.19%78.77%
EBT Per EBIT
100.00%100.00%100.00%100.00%105.12%
Return on Assets (ROA)
0.89%0.85%0.71%1.15%1.14%
Return on Equity (ROE)
8.02%7.44%6.67%10.61%10.39%
Return on Capital Employed (ROCE)
5.41%8.24%3.83%9.49%1.39%
Return on Invested Capital (ROIC)
6.05%4.27%2.99%-1.98%1.32%
Return on Tangible Assets
0.91%0.86%0.72%1.16%1.15%
Earnings Yield
9.68%9.31%7.73%15.41%12.07%
Efficiency Ratios
Receivables Turnover
0.07 0.07 6.45 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
5.14 0.00 5.78 3.13 2.72
Asset Turnover
0.05 0.05 0.05 0.03 0.03
Working Capital Turnover Ratio
-0.17 -0.07 -0.10 -8.96 0.34
Cash Conversion Cycle
5.23K 5.23K 56.58 0.00 0.00
Days of Sales Outstanding
5.23K 5.23K 56.58 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
5.23K 5.23K 56.58 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
3.08 2.96 5.92 3.28 4.11
Free Cash Flow Per Share
2.71 2.60 5.58 3.05 3.93
CapEx Per Share
0.37 0.36 0.33 0.23 0.18
Free Cash Flow to Operating Cash Flow
0.88 0.88 0.94 0.93 0.96
Dividend Paid and CapEx Coverage Ratio
1.85 1.85 3.87 2.29 3.05
Capital Expenditure Coverage Ratio
8.25 8.25 17.80 14.20 22.77
Operating Cash Flow Coverage Ratio
0.10 0.13 0.13 0.06 0.13
Operating Cash Flow to Sales Ratio
0.17 0.17 0.31 0.29 0.41
Free Cash Flow Yield
8.36%8.57%16.02%11.91%13.11%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.33 10.74 12.93 6.49 8.28
Price-to-Sales (P/S) Ratio
1.79 1.72 1.81 2.25 2.96
Price-to-Book (P/B) Ratio
0.83 0.80 0.86 0.69 0.86
Price-to-Free Cash Flow (P/FCF) Ratio
11.97 11.66 6.24 8.40 7.63
Price-to-Operating Cash Flow Ratio
10.59 10.25 5.89 7.81 7.29
Price-to-Earnings Growth (PEG) Ratio
1.09 1.92 -0.39 0.69 0.20
Price-to-Fair Value
0.83 0.80 0.86 0.69 0.86
Enterprise Value Multiple
15.32 11.99 9.03 12.47 9.33
Enterprise Value
4.25B 3.59B 3.52B 4.34B 3.40B
EV to EBITDA
15.32 11.99 9.03 12.47 9.33
EV to Sales
3.05 2.55 2.46 5.84 5.14
EV to Free Cash Flow
20.39 17.23 8.50 21.82 13.24
EV to Operating Cash Flow
17.92 15.15 8.02 20.28 12.66
Tangible Book Value Per Share
33.60 32.39 34.37 283.99 308.83
Shareholders’ Equity Per Share
39.36 37.91 40.41 37.22 34.83
Tax and Other Ratios
Effective Tax Rate
0.22 0.22 0.22 0.21 0.21
Revenue Per Share
18.08 17.59 19.30 11.39 10.13
Net Income Per Share
3.16 2.82 2.69 3.95 3.62
Tax Burden
0.78 0.78 0.78 0.79 0.79
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.18 0.04 0.18 0.29 0.31
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 0.01 0.01
Income Quality
1.05 1.05 2.20 0.83 1.14
Currency in USD