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WaFd, Inc. WAFD % of gross loans, adjustable rate

% of gross loans, adjustable rate at other companies

State Street logo
State StreetSTT
$42.37B
Wintrust Financial logo
Wintrust FinancialWTFC
100%0.0pp
BankUnited logo
BankUnitedBKU
0%
Banner Corporation logo
Banner CorporationBANR
100%0.0pp
Paccar logo
PaccarPCAR
$9.9B+7.9%
RBC Bearings logo
RBC BearingsRBC
2.9%

Other financials

Income statement

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Revenue$197.4M+9.8%
Net income$65.5M+16.5%
EPS (diluted)$0.82+26.2%

Balance sheet

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Cash & equivalents$669.8M-45.6%
Total debt$3.1B+10.8%
Total equity$3.0B-1.7%
Total assets$27.6B-0.3%

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$2.75B+2.2%
Enterprise value$5.15B+23.6%
P/E10.9×-0.8×
P/S3.6×-0.1×

Profitability

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Net margin33.1%+1.8pp
FCF margin28.4%-6.7pp

Returns & leverage

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Return on equity8.4%+0.7pp
Debt / equity+0.1×

Where this comes from

Reported directly by WaFd, Inc. in its filing.

Tagged under the XBRL concept wfsl:FinancingReceivableWithVariableRatesOfInterestPercentOfGross.

The official record: WaFd, Inc.’s 10-K, filed November 18, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is WaFd, Inc.'s % of gross loans, adjustable rate?
WaFd, Inc. (WAFD) reported % of gross loans, adjustable rate of 43.9% in Q3 2025.
How has WaFd, Inc.'s % of gross loans, adjustable rate changed year-over-year?
WaFd, Inc.'s % of gross loans, adjustable rate decreased by 5.2% year-over-year, from 46.3% to 43.9%.
What is the long-term trend for WaFd, Inc.'s % of gross loans, adjustable rate?
Over 5 years (2020 to 2025), WaFd, Inc.'s % of gross loans, adjustable rate has grown at a 3.9% compound annual growth rate (CAGR), from 36.3% to 43.9%.
What does % of gross loans, adjustable rate mean?
This metric measures the percentage of the total loan portfolio that carries an adjustable or variable interest rate. It highlights the bank's ability to capture higher interest income during periods of rising market rates. A higher proportion of variable-rate loans typically benefits the net interest margin when rates increase.