WaFd, Inc.

WAFDNASDAQFinancial Services● Active

$35.78

+$0.21(+0.59%)

Market Cap$2.6B

P/E Ratio—

52W High$38.59

52W Low$26.31

Avg Volume664K

Open$35.60

Beta0.84

Free Cash Flow Financials Revenue

WaFd, Inc. (WAFD) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

WAFD · free cash flow · updated Jun 8, 2026

Core FCF metrics

WAFD · FCF · TTM · margin & CAGR

Free cash flow was $208.2M for FY2025 (fiscal year ending 2025-09-30), down 49.8% year-over-year The FCF margin was 14.8%. Five-year CAGR stands at +9.1%.

FY2025 Free Cash Flow$208.2M▼ -49.8% YoY

Trailing 12M (TTM)$216.7Mtrailing 4 quarters sum

FCF Margin14.8%$208.2M ÷ revenue

3-Year CAGR-6.7%FY2022 → FY2025

5-Year CAGR+9.1%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

WAFD · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$237.0M(29M)$208.2M▼ 49.8%14.8%

FY2024$439.2M(25M)$414.6M▲ +108.4%28.9%

FY2023$214.0M(15M)$198.9M▼ 22.5%18.2%

FY2022$268.5M(12M)$256.7M▼ 9.9%35.0%

FY2021$314.5M(29M)$285.0M▲ +111.6%43.7%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

WAFD · P/FCF · FCF yield · FCF per share

WaFd, Inc. (WAFD) trades at a FCF yield of 8.20% and a price-to-free-cash-flow ratio of 13.3x. FCF per share stands at $2.70, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

8.20%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$2.70

TTM FCF ÷ Shares Outstanding

Price / FCF

x13.3

Share Price ÷ FCF per Share

EV / FCF (TTM)

x23.5

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-09-30

Cash flow statement summary

WAFD · cash flow statement · operating / investing / financing

For FY2025, WaFd, Inc. generated $237.0M in operating cash flow and spent 29M in capital expenditures, yielding $208.2M in free cash flow.

Operating Activities

+$237.0M

Cash from core business operations

2025-09-30

Investing Activities

−$318.4M

CapEx, acquisitions & investments

2025-09-30

Financing Activities

−$1.64B

Buybacks, dividends & debt

2025-09-30

FCF FormulaOperating CF ($237.0M) − |CapEx| (29M) = FCF ($208.2M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

WAFD vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

WaFd, Inc.YOU

WAFD

$208.2M-49.8%14.8%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

WaFd, Inc. (WAFD) reported free cash flow of $208.2M for FY2025 (fiscal year ending 2025-09-30), down 49.8% year-over-year. The FCF margin was 14.8%.

Based on available data, WaFd, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $414.6M in FY2024. The 5-year CAGR stands at +9.1%.

WaFd, Inc.'s FCF yield is 8.20% and price-to-FCF ratio is 13.3x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

WAFD free cash flow · 8 questions

WaFd, Inc. free cash flow was $208.2M for FY2025, down 49.8% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $216.7M.

WAFD free cash flowWAFD FCFWAFD FCF 2025WAFD free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · WaFd, Inc. · WaFd, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026