WaFd, Inc. (WAFD) Earnings History
Annual and quarterly earnings data from 1989 to 2025
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WAFD EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
WAFD Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 50.9% | 20.5% | 16.0% |
| 2024 | 49.2% | 17.9% | 14.0% |
| 2023 | 64.0% | 29.7% | 23.5% |
| 2022 | 89.8% | 40.9% | 32.2% |
| 2021 | 86.7% | 35.7% | 28.1% |
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WaFd, Inc. (WAFD) Earnings Overview
As of May 8, 2026, WaFd, Inc. (WAFD) reported trailing twelve-month net income of $243M, reflecting +5.2% year-over-year growth. The company earned $3.16 per diluted share over the past four quarters, with a net profit margin of 16.0%.
Looking at the long-term picture, WAFD's 5-year EPS compound annual growth rate (CAGR) stands at +3.1%, reflecting modest earnings expansion. The company achieved its highest annual net income of $257M in fiscal 2023.
WaFd, Inc. maintains industry-leading profitability with a gross margin of 50.9%, operating margin of 20.5%, and net margin of 16.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including COLB ($550M net income, 17.1% margin), BANR ($195M net income, 23.8% margin), HOMB ($458M net income, 27.7% margin), WAFD has room to improve margins relative to the peer group. Compare WAFD vs COLB →
WAFD Earnings vs Peers
Earnings metrics vs comparable public companies
WAFD Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $226M | +13.0% | $290M | $2.63 | 16.0% | 20.5% |
| 2024 | $200M | -22.3% | $256M | $2.50 | 14.0% | 17.9% |
| 2023 | $257M | +8.9% | $325M | $3.72 | 23.5% | 29.7% |
| 2022 | $236M | +28.7% | $300M | $3.39 | 32.2% | 40.9% |
| 2021 | $184M | +5.9% | $233M | $2.39 | 28.1% | 35.7% |
| 2020 | $173M | -17.5% | $219M | $2.26 | 24.5% | 30.9% |
| 2019 | $210M | +3.1% | $263M | $2.61 | 28.6% | 35.8% |
| 2018 | $204M | +17.5% | $257M | $2.40 | 31.3% | 39.5% |
| 2017 | $174M | +5.8% | $256M | $1.94 | 28.8% | 42.5% |
| 2016 | $164M | +2.3% | $248M | $1.78 | 27.6% | 41.8% |
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Start ComparisonWAFD — Frequently Asked Questions
Quick answers to the most common questions about buying WAFD stock.
Is WAFD growing earnings?
WAFD EPS stands at $3.16, with +5.2% growth matching the 5-year CAGR of +3.1%. TTM net income is $243M. Earnings trajectory remains consistent.
What are WAFD's profit margins?
WaFd, Inc. net margin is +16.0%, with operating margin at +20.5%. Above-average margins indicate pricing power.
How consistent are WAFD's earnings?
WAFD earnings data spans 1989-2025. The current earnings trend is +5.2% YoY. Historical data enables comparison across business cycles.