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WaFd, Inc. WAFD Q3 2025 earnings

Reported July 17, 2025 · Before market open

Revenue$186.3MBeat by $2.1M
EPS$0.73Beat by $0.06
Revenue estimate$184.2M
EPS estimate$0.67

Next report

Oct 15, 2026 (in 2 months)
Revenue estimate$203.5M
EPS estimate$0.84

Financials

Q3 2025

Income statement

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Revenue$186.3M-4.2%
Net income$62.0M-4.0%
EPS (diluted)$0.73-2.7%

Balance sheet

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Cash & equivalents$809.3M-67.5%
Total debt$1.9B-50.7%
Total equity$3.0B+1.9%
Total assets$26.7B-6.5%

Cash flow

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Operating cash flow$58.0M-8.1%
CapEx$4.9M+1.5%
Free cash flow$53.1M-8.9%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$2.33B+16.3%
Enterprise value$3.46B+0.4%
P/E10.3×-0.3×
P/S3.2×+0.4×

Profitability

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Net margin31.2%+4.6pp
FCF margin34.7%-22.1pp

Returns & leverage

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Return on equity7.6%+0.5pp
Debt / equity0.6×-0.7×

FAQ

When did WaFd, Inc. report Q3 2025 earnings?
WaFd, Inc. (WAFD) reported Q3 2025 earnings on July 17, 2025 before market open.
What were WaFd, Inc.'s Q3 2025 revenue and EPS?
WaFd, Inc. reported revenue of $186.3M and eps of $0.73 for Q3 2025.
Did WaFd, Inc. beat estimates in Q3 2025?
Revenue beat the consensus estimate of $184.2M by $2.1M. EPS beat the consensus estimate of $0.67 by $0.06.
How did WaFd, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 4.1% from $194.3M a year earlier and eps declined 2.7% from $0.75.
Where can I find WaFd, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0000936528-25-000083) and the 10-Q periodic report (0000936528-25-000086) directly on SEC EDGAR. The filing index links above go to sec.gov.