WaFd, Inc. Financial Ratios — WAFDP Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Return on Common Equity (%)	23.94	24.74	22.65	20.09	17.78	16.07	15.38	16.29	15.04	11.46	10.78	12.71	12.68	8.96	9.63
Return on Assets (%)	0.83	1.07	1.19	1.13	1.09	1.11	1.15	1.31	1.3	0.98	0.96	1.17	1.19	0.79	0.83
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	7.38	8.34	3.92	4	3.86	4.09	8.58	9.06	5.71	7.17	5.99	9.68	3.09	18.58	1.34
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	39.04	52.21	58.35	56.5	53.87	51.98	52.76	49.84	48.29	39.39	41.18	45.35	43.77	35.47	39.96
Profit Margin (%)	24.98	33.41	37.68	36.3	34.61	34.37	35.73	39.5	38.64	31.17	32.44	35.72	34.66	27.71	31.19
Net Income to Common Margin (%)	24.98	33.41	37.68	36.3	34.61	34.37	35.73	39.5	38.64	31.17	30.66	33.51	32.7	25.69	29.17
Effective Tax Rate (%)	36	36	35.42	35.75	35.75	33.89	32.27	20.76	19.99	20.87	21.24	21.23	20.81	21.88	21.95
Dvd Payout Ratio (%)	23.12	23.47	24.97	26.73	31.88	30.43	42.94	27.47	30.11	38.34	35.84	27.77	26.27	40.05	40.03
Sustainable Growth Rate (%)	18.4	18.93	16.99	14.72	12.11	11.18	8.78	11.82	10.51	7.06	6.91	9.18	9.35	5.37	5.77

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Total Debt	2,762	1,880	1,930	1,930	1,830	2,080	2,225	2,330	2,250	2,700	1,720	2,125	3,650	3,318	1,817
ST Debt	800	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,747
LT Debt	1,962	1,880	1,930	1,930	1,830	2,080	2,225	2,330	2,250	2,700	1,720	2,125	3,650	3,318	70
Total Debt/EBITDA	84.14	54.49	122.35	111.26	102.3	106.62	53.38	49.86	72.45	67.65	50.72	33.18	158.9	24.74	187
Net Debt/EBITDA	59.28	32.71	109.45	66.19	86.42	83.53	45.87	44.11	58.95	24.98	-10.93	22.5	116.21	6.99	119.36
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.77	4.9	5.56	5.69	6.61	7.24	7.72	8.35	8.93	8.28	8.47	8.79	8.92	7.6	8.46
Long-Term Debt/Equity (%)	102.91	98.96	99.61	97.81	93.57	105.28	110.93	116.68	110.67	134.05	80.9	93.44	150.43	110.6	2.31
Long-Term Debt/Capital (%)	60.03	75.48	72.64	69.69	65.51	65.86	65.39	63.76	60.46	63.43	46.68	50	61.3	57.7	1.6
Long-Term Debt/Total Assets (%)	14.6	15.07	14.75	13.08	12.56	13.97	14.59	14.69	13.66	14.37	8.75	10.23	16.24	11.83	0.26
Total Debt/Equity (%)	144.87	98.96	99.61	97.81	93.57	105.28	110.93	116.68	110.67	134.05	80.9	93.44	150.43	110.6	59.79
Total Debt/Capital (%)	84.5	75.48	72.64	69.69	65.51	65.86	65.39	63.76	60.46	63.43	46.68	50	61.3	57.7	41.51
Total Debt/Total Assets (%)	20.55	15.07	14.75	13.08	12.56	13.97	14.59	14.69	13.66	14.37	8.75	10.23	16.24	11.83	6.81
Net Debt to Equity	102.07	59.41	89.1	58.19	79.05	82.48	95.33	103.23	90.06	49.5	-17.44	63.36	110.01	31.24	38.16
Net Debt/Capital (%)	79.35	64.89	70.37	57.77	61.61	60.18	61.88	60.88	55.44	39.04	-23.27	40.41	53.67	27.81	31.18
EBITDA	33	35	16	17	18	20	42	47	31	40	34	64	23	134	10
EBITDA-CapEx	22	1	-13	-34	-29	-22	26	20	-4	8	4	52	8	109	-19
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.77	4.9	5.56	5.69	6.61	7.24	7.72	8.35	8.93	8.28	8.47	8.79	8.92	7.6	8.46
Long-Term Debt/Equity (%)	102.91	98.96	99.61	97.81	93.57	105.28	110.93	116.68	110.67	134.05	80.9	93.44	150.43	110.6	2.31
Long-Term Debt/Capital (%)	60.03	75.48	72.64	69.69	65.51	65.86	65.39	63.76	60.46	63.43	46.68	50	61.3	57.7	1.6
Long-Term Debt/Total Assets (%)	14.6	15.07	14.75	13.08	12.56	13.97	14.59	14.69	13.66	14.37	8.75	10.23	16.24	11.83	0.26
Total Debt/Equity (%)	144.87	98.96	99.61	97.81	93.57	105.28	110.93	116.68	110.67	134.05	80.9	93.44	150.43	110.6	59.79
Total Debt/Capital (%)	84.5	75.48	72.64	69.69	65.51	65.86	65.39	63.76	60.46	63.43	46.68	50	61.3	57.7	41.51
Total Debt/Total Assets (%)	20.55	15.07	14.75	13.08	12.56	13.97	14.59	14.69	13.66	14.37	8.75	10.23	16.24	11.83	6.81
CFO/Total Liabilities	2.27	1.65	1.63	1.36	1.13	1.72	1.36	1.38	1.62	0.99	1.79	1.45	1.07	1.75	1
CFO/CapEx	24.83	5.29	6.2	3.35	3.08	5.31	11.62	7.03	6.59	5.22	10.67	22.77	14.2	17.8	8.25
Altman's Z-Score	0.07	0.09	0.1	0.1	0.11	0.12	0.13	0.14	0.15	0.14	0.14	0.15	0.15	0.13	0.14

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Accounts Receivable Turnover	8.78	8.34	8.37	8.56	10.02	12.22	12.25	11.61	11.32	10.84	10.84	11.56	9.84	7.6	7.2
Days Sales Outstanding	41.58	43.77	43.61	42.62	36.43	29.86	29.81	31.45	32.25	33.67	33.67	31.59	37.08	47.99	50.71
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	816	751	204	782	284	450	313	269	419	1,703	2,091	684	981	2,381	657
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	300	300	300	300	300
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	2,762	1,880	1,930	1,930	1,830	2,080	2,225	2,330	2,250	2,700	1,720	2,125	3,650	3,318	1,817
Enterprise Value	1,946	-653	-635	-1,901	-835	-293	646	746	345	-1,252	-2,209	-310	974	-199	-1,155
Total Capital	3,269	2,491	2,657	2,769	2,793	3,158	3,403	3,654	3,721	4,257	3,685	4,250	5,954	5,751	4,377
Total Debt/Capital (%)	84.5	75.48	72.64	69.69	65.51	65.86	65.39	63.76	60.46	63.43	46.68	50	61.3	57.7	41.51
Total Debt / EV	1.42	-2.88	-3.04	-1.02	-2.19	-7.09	3.45	3.12	6.52	-2.16	-0.78	-6.85	3.75	-16.69	-1.57
EV/Sales	4.37	- -	- -	- -	- -	- -	1.33	1.45	0.63	- -	- -	- -	1.31	- -	- -
EV/EBITDA	59.28	- -	- -	- -	- -	- -	15.49	15.97	11.11	- -	- -	- -	42.41	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	7.44	- -	- -	- -	- -	- -	3.59	3.91	1.47	- -	- -	- -	4.55	- -	- -
EV/Free Cash Flow to Firm	7.15	- -	- -	- -	- -	- -	3.31	3.43	1.28	- -	- -	- -	4.25	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	1,946	1,129	1,726	1,148	1,546	1,630	1,912	2,061	1,831	997	-71	1,741	2,969	1,237	1,460
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	445	414	402	434	463	477	486	516	544	556	566	662	743	722	725
TTM EBITDA	33	35	16	17	18	20	42	47	31	40	34	64	23	134	10
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	262	175	181	174	143	222	180	191	234	167	314	268	214	439	237
TTM Free Cash Flow to Firm	272	208	211	226	189	263	195	218	270	199	344	280	229	464	266

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	1,946	-653	-635	-1,901	-835	-293	646	746	345	-1,252	-2,209	-310	974	-199	-1,155
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.35	16.22	12.77	12.02	15.25
EV/Sales	4.37	- -	- -	- -	- -	- -	1.33	1.45	0.63	- -	- -	- -	1.31	- -	- -
EV/EBITDA	59.28	- -	- -	- -	- -	- -	15.49	15.97	11.11	- -	- -	- -	42.41	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	4.37	2.73	4.29	2.65	3.34	3.41	3.94	3.99	3.36	1.79	- -	2.63	4	1.71	2.01
EV/Sales High	4.37	2.73	4.29	2.65	3.34	3.41	3.94	3.99	3.36	1.79	- -	2.63	4	1.71	2.01
EV/Sales Low	4.37	2.73	4.29	2.65	3.34	3.41	3.94	3.99	3.36	1.79	- -	2.63	4	1.71	2.01
EV/EBITDA Average	59.28	32.71	109.45	66.19	86.42	83.53	45.87	44.11	58.95	24.98	-2.09	27.18	129.27	9.23	150.23
EV/EBITDA High	59.28	32.71	109.45	66.19	86.42	83.53	45.87	44.11	58.95	24.98	-2.09	27.18	129.27	9.23	150.23
EV/EBITDA Low	59.28	32.71	109.45	66.19	86.42	83.53	45.87	44.11	58.95	24.98	-2.09	27.18	129.27	9.23	150.23
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.18	19.69	13.12	19.5	16.28
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27	27.01	20.68	19.75	19.49
Enterprise Value Average	1,946	1,129	1,726	1,148	1,546	1,630	1,912	2,061	1,831	997	-71	1,741	2,969	1,237	1,460
Enterprise Value High	1,946	1,129	1,726	1,148	1,546	1,630	1,912	2,061	1,831	997	-71	1,741	2,969	1,237	1,460
Enterprise Value Low	1,946	1,129	1,726	1,148	1,546	1,630	1,912	2,061	1,831	997	-71	1,741	2,969	1,237	1,460

Shares Outstanding	109	106	102	98	93	90	87	83	79	76	65	65	65	81	78
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

WaFd, Inc.

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