📊 WAFDP Key Takeaways
Is Wafd Inc. (WAFDP) a Good Investment?
WAFD exhibits severe fundamental distress with catastrophic 97.8% YoY revenue collapse and critically low returns on capital (ROE 2.1%, ROA 0.2%), indicating the bank is destroying shareholder value. Interest coverage of 0.3x signals inability to adequately service debt obligations, compounded by financial data anomalies (1047% operating margins with $7.9M revenue) suggesting either major non-recurring charges or reporting irregularities masking underlying operational deterioration.
Why Buy Wafd Inc. Stock? WAFDP Key Strengths
- Large $27.3B asset base provides operational foundation
- Positive net income growth of 6.9% YoY despite revenue collapse
- Minimal leverage with 0.00x debt-to-equity ratio
WAFDP Stock Risks: Wafd Inc. Investment Risks
- Catastrophic 97.8% YoY revenue decline indicates severe business disruption
- Interest coverage ratio of 0.3x shows inability to cover interest expenses; potential solvency risk
- ROE of 2.1% and ROA of 0.2% far below banking industry standards; severe capital inefficiency
- Data anomalies and implausible margin ratios suggest non-recurring charges or reporting irregularities masking true operational health
Key Metrics to Watch
- Quarterly revenue trends and causes of 97.8% decline
- Interest coverage ratio movement above 1.0x threshold
- Return on equity recovery toward minimum 8-10% banking industry baseline
Wafd Inc. (WAFDP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 636.8% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
WAFDP Profit Margin, ROE & Profitability Analysis
WAFDP vs Finance Sector: How Wafd Inc. Compares
How Wafd Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Wafd Inc. Stock Overvalued? WAFDP Valuation Analysis 2026
Based on fundamental analysis, Wafd Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Wafd Inc. Balance Sheet: WAFDP Debt, Cash & Liquidity
WAFDP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Wafd Inc.'s revenue has grown significantly by 19% over the 5-year period, indicating strong business expansion. The most recent EPS of $3.72 reflects profitable operations.
WAFDP Revenue Growth, EPS Growth & YoY Performance
WAFDP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $7.0M | $47.3M | $0.54 |
| Q3 2025 | $7.0M | $62.0M | $0.73 |
| Q2 2025 | $6.7M | $15.9M | $0.17 |
| Q1 2025 | $6.8M | $47.3M | $0.54 |
| Q3 2024 | $6.7M | $61.8M | $0.75 |
| Q2 2024 | $6.2M | $15.9M | $0.17 |
| Q1 2024 | $6.4M | $58.5M | $0.85 |
| Q3 2023 | $6.6M | $61.8M | $0.89 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Wafd Inc. Dividends, Buybacks & Capital Allocation
WAFDP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Wafd Inc. (CIK: 0000936528)
📋 Recent SEC Filings
❓ Frequently Asked Questions about WAFDP
What is the AI rating for WAFDP?
Wafd Inc. (WAFDP) has an AI rating of STRONG SELL with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are WAFDP's key strengths?
Claude: Large $27.3B asset base provides operational foundation. Positive net income growth of 6.9% YoY despite revenue collapse.
What are the risks of investing in WAFDP?
Claude: Catastrophic 97.8% YoY revenue decline indicates severe business disruption. Interest coverage ratio of 0.3x shows inability to cover interest expenses; potential solvency risk.
What is WAFDP's revenue and growth?
Wafd Inc. reported revenue of $7.9M.
Does WAFDP pay dividends?
Wafd Inc. pays dividends, with $20.4M distributed to shareholders in the trailing twelve months.
Where can I find WAFDP SEC filings?
Official SEC filings for Wafd Inc. (CIK: 0000936528) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is WAFDP's EPS?
Wafd Inc. has a diluted EPS of $0.79.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is WAFDP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Wafd Inc. has a STRONG SELL rating with 75% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is WAFDP stock overvalued or undervalued?
Valuation metrics for WAFDP: ROE of 2.1% (sector avg: 12%), net margin of 817.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy WAFDP stock in 2026?
Our dual AI analysis gives Wafd Inc. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is WAFDP's free cash flow?
Wafd Inc.'s operating cash flow is $60.5M, with capital expenditures of $10.4M. FCF margin is 636.8%.
How does WAFDP compare to other Finance stocks?
Vs Finance sector averages: Net margin 817.0% (avg: 25%), ROE 2.1% (avg: 12%), current ratio N/A (avg: 1.2).