Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | $25.9M | $24.9M | $23.7M | $24.7M | $25.9M | $26.1M | $27.5M | $29.6M |
| Revenue growth | — | — | — | -3.9% | -4.8% | 4.2% | 5.1% | 0.4% | 5.6% | 7.8% |
| Net income | $164M | $174M | $204M | $210M | $173M | $184M | $236M | $257M | $200M | $226M |
| Net margin | — | — | 786.9% | 845.0% | 732.1% | 743.8% | 911.0% | 988.2% | 727.2% | 762.5% |
| EPS (diluted) | $1.78 | $1.94 | $2.40 | $2.61 | $2.26 | $2.39 | $3.39 | $3.72 | $2.50 | $2.63 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $222M | $180M | $191M | $234M | $167M | $314M | $268M | $214M | $439M | $237M |
| Capital expenditures | $41.8M | $15.5M | $27.1M | $35.5M | $31.9M | $29.5M | $11.8M | $15.1M | $24.7M | $28.7M |
| Free cash flow | $180M | $164M | $164M | $199M | $135M | $285M | $257M | $199M | $415M | $208M |
| Share buybacks | $87.8M | $98.4M | $164M | $124M | $112M | $349M | $3.26M | $30.5M | $27.1M | $102M |
| Dividends paid | $49.9M | $74.5M | $56.0M | $63.3M | $66.5M | $65.9M | $61.6M | $63.8M | $74.3M | $84.6M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $450M | $313M | $269M | $419M | $1.70B | $2.09B | $684M | $981M | $2.38B | $657M |
| Total assets | $14.9B | $15.3B | $15.9B | $16.5B | $18.8B | $19.7B | $20.8B | $22.5B | $28.1B | $26.7B |
| Total liabilities | $12.9B | $13.2B | $13.9B | $14.4B | $16.8B | $17.5B | $18.5B | $20.0B | $25.1B | $23.7B |
| Shareholders' equity | $1.98B | $2.01B | $2.00B | $2.03B | $2.01B | $2.13B | $2.27B | $2.43B | $3.00B | $3.04B |
| Retained earnings | $944M | $1.04B | $1.19B | $1.34B | $1.42B | $1.53B | $1.69B | $1.87B | $1.98B | $2.11B |
| Shares (wtd avg diluted) | 91.9M | 89.2M | 85.1M | 80.5M | 76.7M | 72.6M | 65.4M | 65.3M | 74.3M | 80.3M |
Every figure is extracted from WAFD INC’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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