WaFd, Inc. cash flow to debt ratio of 13.04% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

WaFd, Inc.'s free cash flow has decreased 49.77% from $414.55M last year to $208.25M, signaling decreasing performance

WaFd, Inc.'s debt to equity ratio is 1.10, which means that the company's assets are unhealthy financed, signaling financial risk.

WaFd, Inc.'s debt has decreased relative to shareholder equity from 1.11 last year to 1.10 today, signaling strengthened financials

WaFd, Inc. has a net cash position, so leverage is healthy.

WaFd, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

WaFd, Inc.'s profit margin has increased (32.30%) in the last year from 13.96% to 18.47%, signaling increasing performance

WaFd, Inc.'s short-term liabilities of $23.18B exceed its short-term assets of $3.48B, signaling financial risk

WaFd, Inc.'s return on assets of 0.93% is lower than the 5.00% threshold, indicating inefficient asset utilization

WaFd, Inc.'s return on equity of 8.50%, is lower than 15.00%, indicating bad performance

WaFd, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

WaFd, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

WaFd, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

WaFd, Inc. has a free cash flow yield of 7.54%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

WaFd, Inc.'s yearly earnings has increased 13.01% since last year from $200.04M to $226.07M, signaling increasing performance

WaFd, Inc.'s yearly revenue has decreased 49.90% since last year from $1.43B to $717.73M, signaling decreasing performance

ROIC 0.93% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

WaFd, Inc.'s 3-year revenue CAGR of 24.35% is positive, indicating growing revenue over the past 3 years

WaFd, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

WaFd, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

WaFd, Inc. is overvalued relative to its fair value price of 31.48 based on Discounted Cash Flow model

WaFd, Inc. has an earnings yield of 9.30%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

WaFd, Inc. is overvalued relative to its fair value price of 12.25 based on EBITDA multiple model

WaFd, Inc. has an EV/EBITDA ratio of 4.36x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

WaFd, Inc. is undervalued relative to its fair value price of 100.62 based on Earnings Fair Value model

WaFd, Inc. has a PEG-ratio over 1 which is considered overvalued

WaFd, Inc. has a price-to-book ratio of 0.91x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

WaFd, Inc. has a price-to-sales ratio of 1.99x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue