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WaFd, Inc. WAFD Q4 2025 Annual earnings

Reported October 16, 2025 · After market close

Revenue$187.6MMiss by $3.0M
EPS$0.72Miss by $0.05
Revenue estimate$190.6M
EPS estimate$0.77

Next report

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

Financials

Q4 2025

Income statement

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Revenue$188.3M-0.2%
Net income$60.6M-0.9%
EPS (diluted)$0.720.0%

Balance sheet

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Cash & equivalents$657.3M-72.4%
Total debt$3.6B-34.1%
Total equity$3.0B+1.3%
Total assets$26.7B-4.8%

Cash flow

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Operating cash flow$57.4M-40.6%
CapEx$11.8M+63.6%
Free cash flow$45.6M-49.0%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$2.39B-15.8%
Enterprise value$5.29B-9.7%
P/E10.6×-3.6×
P/S3.3×-0.6×

Profitability

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Net margin31.2%+3.4pp
FCF margin28.7%-28.8pp

Returns & leverage

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Return on equity7.5%+0.1pp
Debt / equity1.2×-0.6×

FAQ

When did WaFd, Inc. report Q4 2025 earnings?
WaFd, Inc. (WAFD) reported Q4 2025 earnings on October 16, 2025 after market close.
What were WaFd, Inc.'s Q4 2025 revenue and EPS?
WaFd, Inc. reported revenue of $187.6M and eps of $0.72 for Q4 2025.
Did WaFd, Inc. beat estimates in Q4 2025?
Revenue missed the consensus estimate of $190.6M by $3.0M. EPS missed the consensus estimate of $0.77 by $0.05.
How did WaFd, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 0.5% from $188.5M a year earlier and eps grew 1.4% from $0.71.
Where can I find WaFd, Inc.'s Q4 2025 SEC filings?
You can read the 10-K periodic report (0000936528-25-000117) directly on SEC EDGAR. The filing index links above go to sec.gov.