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WaFd, Inc. WAFD % of gross loans, fixed-rate

% of gross loans, fixed-rate at other companies

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Other financials

Income statement

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Revenue$205.5M+10.3%
Net income$66.1M+6.7%
EPS (diluted)$0.84+15.1%

Balance sheet

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Cash & equivalents$676.5M-16.4%
Total debt$3.3B+70.9%
Total equity$3.0B+0.3%
Total assets$27.6B+3.2%

Cash flow

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Operating cash flow$79.4M+10.0%
CapEx$11.4M+105%
Free cash flow$68.0M+2.1%

Valuation

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Market cap$2.76B+17.8%
P/E10.8×+0.4×
P/S3.5×+0.3×

Profitability

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Net margin32.8%+1.6pp
FCF margin28.4%-6.7pp

Returns & leverage

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Return on equity8.5%+0.9pp
Debt / equity1.1×+0.5×

Where this comes from

Reported directly by WaFd, Inc. in its filing.

Tagged under the XBRL concept wfsl:FinancingReceivableWithFixedRatesOfInterestPercentOfGross.

The source filing: WaFd, Inc.’s 10-K, filed November 18, 2025.

Filed
Nov 18, 2025
Fiscal year
FY2025
Accession
0000936528-25-000117
Fixed-Rate / Term To MaturityFixed-Rate / LoansFixed-Rate / % of LoansAdjustable-Rate / Term To Rate AdjustmentAdjustable-Rate / LoansAdjustable-Rate / % of Loans
Within 1 year$532,8382.6%Less than 1 year$6,415,16331.6%
1 to 3 years808,5814.01 to 3 years1,617,4968.0
3 to 5 years1,125,2855.53 to 5 years665,2133.3
5 to 10 years2,065,11110.25 to 10 years188,7290.9
10 to 20 years1,104,0035.410 to 20 years7,4920.1
Over 20 years5,755,68828.4Over 20 years2,739
$11,391,50656.1%$8,896,83243.9%

Item 8. Financial Statements and Supplementary Data

FAQ

What is WaFd, Inc.'s % of gross loans, fixed-rate?
WaFd, Inc. (WAFD) reported % of gross loans, fixed-rate of 56.1% in Q3 2025.
How has WaFd, Inc.'s % of gross loans, fixed-rate changed year-over-year?
WaFd, Inc.'s % of gross loans, fixed-rate increased by 4.5% year-over-year, from 53.7% to 56.1%.
What is the long-term trend for WaFd, Inc.'s % of gross loans, fixed-rate?
Over 4 years (2021 to 2025), WaFd, Inc.'s % of gross loans, fixed-rate has grown at a -1.2% compound annual growth rate (CAGR), from 58.9% to 56.1%.
What does % of gross loans, fixed-rate mean?
This metric measures the percentage of the total loan portfolio that carries a fixed interest rate. It indicates the bank's exposure to interest rate risk, as fixed-rate assets provide stable income but may underperform in rising rate environments. It is a key indicator of the bank's asset-liability management strategy.

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