Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
WaFd, Inc.'s quarterly P/E stands at 10.1x, down 32.1% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 56.2% YoY to 15.1x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.50 | 10.14 | 10.52 | 10.03 | 10.99 | 14.93 | 12.27 | 9.53 | 42.69 | 9.69 | 8.90 | 7.45 | 7.93 |
| — | -32.1% | -14.3% | +5.3% | -74.3% | +54.0% | +37.9% | +27.9% | +438.6% | +34.1% | +27.0% | -9.7% | -32.4% | |
| P/S Ratio | 1.93 | 1.80 | 1.73 | 1.67 | 1.63 | 1.82 | 1.82 | 1.42 | 1.54 | 1.75 | 1.40 | 1.51 | 1.86 |
| — | -1.0% | -5.0% | +17.6% | +6.2% | +3.8% | +29.7% | -5.6% | -17.3% | -21.1% | -39.4% | -43.2% | -42.2% | |
| P/B Ratio | 0.94 | 0.81 | 0.78 | 0.78 | 0.76 | 0.87 | 0.94 | 0.79 | 0.70 | 0.86 | 0.68 | 0.72 | 0.83 |
| — | -6.2% | -17.2% | -1.3% | +9.6% | +0.5% | +38.2% | +8.9% | -16.1% | -8.5% | -20.7% | -18.3% | -15.2% | |
| P/FCF | 13.04 | 10.20 | 13.04 | 11.02 | 8.70 | 15.26 | 7.93 | 9.98 | 3.09 | 5.19 | 5.25 | 31.00 | 11.74 |
| — | -33.2% | +64.6% | +10.5% | +181.6% | +194.0% | +51.1% | -67.8% | -73.7% | -39.6% | +0.6% | +438.1% | +16.9% | |
| EV / EBITDA | 12.94 | 15.05 | 11.59 | 13.25 | 18.71 | 9.63 | 45.74 | 13.75 | 6.05 | 24.45 | 16.29 | 11.51 | 13.89 |
| — | +56.2% | -74.7% | -3.6% | +209.2% | -60.6% | +180.8% | +19.5% | -56.5% | +119.0% | +109.9% | +46.3% | +149.2% | |
| EV / EBIT | 13.38 | 15.05 | 11.40 | 11.01 | 13.54 | 16.73 | 11.69 | 11.82 | 71.80 | 16.91 | 18.30 | 13.65 | 13.77 |
| — | -10.0% | -2.5% | -6.9% | -81.1% | -1.1% | -36.1% | -13.4% | +421.5% | +49.1% | +100.0% | +44.4% | +80.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
WaFd, Inc.'s operating margin was 24.0% in Q1 2026, up 1.5 pp QoQ and up 7.3 pp YoY. The trailing four-quarter average of 22.4% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 15.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.9% | 54.8% | 53.8% | 52.6% | 49.9% | 47.5% | 48.4% | 47.1% | 46.7% | 55.6% | 51.1% | 60.7% | 68.4% |
| — | +15.5% | +11.3% | +11.7% | +6.7% | -14.5% | -5.4% | -22.3% | -31.7% | -29.3% | -41.8% | -33.2% | -24.7% | |
| Operating Margin | 20.5% | 24.0% | 22.5% | 22.8% | 20.3% | 16.7% | 20.7% | 20.2% | 6.3% | 23.7% | 20.0% | 27.7% | 31.9% |
| — | +43.9% | +9.0% | +12.7% | +220.5% | -29.5% | +3.5% | -27.0% | -80.1% | -42.6% | -54.4% | -36.6% | -15.6% | |
| Net Margin | 16.0% | 18.7% | 17.6% | 17.7% | 15.9% | 13.1% | 15.7% | 15.8% | 4.8% | 19.3% | 17.0% | 21.5% | 24.9% |
| — | +43.1% | +12.2% | +12.2% | +230.3% | -32.2% | -7.6% | -26.7% | -80.7% | -40.0% | -51.0% | -37.0% | -16.1% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.5% | 2.1% | 2.0% | 2.0% | 1.9% | 1.6% | 2.1% | 2.2% | 0.6% | 2.4% | 2.1% | 2.6% | 2.8% |
| — | +34.8% | -2.4% | -6.7% | +214.3% | -34.5% | -1.5% | -15.2% | -78.9% | -30.7% | -36.2% | -9.7% | +23.4% | |
| ROA | 0.8% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.3% | 0.2% | 0.3% | 0.3% |
| — | +44.9% | +5.0% | +3.6% | +237.7% | -34.5% | -3.2% | -20.1% | -79.9% | -30.9% | -37.8% | -11.5% | +23.1% | |
| ROIC | 3.9% | 1.2% | 1.2% | 1.1% | 0.9% | 0.7% | 0.9% | 0.8% | 0.2% | 0.9% | 0.7% | 1.0% | 1.1% |
| — | +61.3% | +30.5% | +37.4% | +329.7% | -14.9% | +24.8% | -17.0% | -80.5% | -44.4% | -56.7% | -37.5% | -9.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
WaFd, Inc.'s Debt/EBITDA ratio is 30.2x, up from 23.8x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 119271.7% YoY to 242.47x, strengthening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.60 | 0.82 | 0.60 | 0.66 | 0.93 | 0.96 | 1.11 | 1.38 | 1.88 | 1.58 | 1.50 | 1.57 | 1.60 |
| — | -14.8% | -45.9% | -52.3% | -50.6% | -39.0% | -26.5% | -12.0% | +17.4% | +19.5% | +61.0% | +104.6% | +103.9% | |
| Debt / EBITDA | 6.07 | 30.24 | 23.79 | 29.91 | 53.99 | 27.86 | 160.93 | 57.32 | 22.07 | 78.13 | 54.95 | 39.77 | 45.36 |
| — | +8.5% | -85.2% | -47.8% | +144.7% | -64.3% | +192.9% | +44.1% | -51.4% | +163.1% | +183.5% | +127.2% | +127.1% | |
| Current Ratio | 0.00 | 242.47 | 0.15 | 12.64 | 0.17 | 0.20 | 0.24 | 0.24 | 0.20 | 0.20 | 0.19 | 0.20 | 0.20 |
| — | +119271.7% | -37.9% | +5094.8% | -15.3% | +0.2% | +28.9% | +22.3% | -0.9% | +18.3% | +9.6% | +14.6% | -15.5% | |
| Quick Ratio | 0.00 | 242.47 | 0.15 | 12.64 | 0.17 | 0.20 | 0.24 | 0.24 | 0.20 | 0.20 | 0.19 | 0.20 | 0.20 |
| — | +119271.7% | -37.9% | +5094.8% | -15.3% | +0.2% | +28.9% | +22.3% | -0.9% | +18.3% | +9.6% | +14.6% | -15.5% | |
| Interest Coverage | 0.42 | 0.54 | 0.50 | 0.49 | 0.41 | 0.32 | 0.40 | 0.39 | 0.13 | 0.53 | 0.50 | 0.77 | 1.05 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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WaFd, Inc.'s current P/E is 13.5x. The average P/E over the last 4 quarters is 10.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
WaFd, Inc.'s current operating margin is 20.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking WaFd, Inc.'s business trajectory between earnings reports.