WaFd, Inc. (WAFD)

WaFd, Inc. Cash Flow Statement

Financials in millions USD. Fiscal year is October - September.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Net Income	252.29	226.07	200.04	257.43	236.33	183.62
Depreciation & Amortization	-7.74	9.72	134.1	22.97	64.05	33.91
Provision for Credit Losses	12.5	7.75	17.5	41.5	3	0.5
Stock-Based Compensation	9.58	8.52	9.18	7.91	6.81	6.38
Other Adjustments	-2.73	0.55	-2.9	-2	-0.83	0.02
Changes in Accrued Interest and Accounts Receivable	18.46	10.36	28.62	-29.78	-9.36	4.99
Changes in Accounts Payable	0.47	-	-	-3.31	8.39	-15.78
Changes in Accrued Expenses	-49.51	9.39	-88.39	-7.45	65.77	-49.27
Changes in Other Operating Activities	21.92	-35.41	141.07	-73.32	-105.7	150.09
Operating Cash Flow	255.25	236.95	439.23	213.96	268.47	314.45
Operating Cash Flow Growth	-9.27%	-46.05%	105.29%	-20.30%	-14.63%	88.75%
Net Change in Loans Held-for-Investment	945.04	829.68	-348.53	-1,410	-2,326	-1,044
Net Change in Securities and Investments	-1,402	-1,121	76.04	52.51	-165.01	488.93
Payments for Business Acquisitions	-5.4	-0.36	623.58	-2.59	-	-1.5
Capital Expenditures	-38.56	-28.71	-24.68	-15.06	-11.79	-29.47
Sale of Property, Plant & Equipment	7.7	4.55	8.14	8.28	7.02	6.72
Other Investing Activities	0.71	-2.86	2,953	-10.69	2.27	-
Investing Cash Flow	-492.61	-318.41	3,287	-1,378	-2,493	-579.75
Net Change in Deposits	-303.28	63.67	-324.51	40.76	487.46	1,762
Long-Term Debt Issued	13,652	11,020	17,037	17,175	7,345	7,414
Long-Term Debt Repaid	-13,357	-12,528	-18,938	-15,650	-6,940	-8,394
Net Long-Term Debt Issued (Repaid)	295	-1,508	-1,900	1,525	405	-979.68
Issuance of Common Stock	2.76	4.79	6.18	1.27	1.82	0.34
Repurchase of Common Stock	-222.4	-101.93	-27.07	-30.46	-3.26	-348.65
Net Common Stock Issued (Repurchased)	-219.64	-97.15	-20.89	-29.2	-1.44	-348.31
Issuance of Preferred Stock	-	-	-	-	-	293.33
Net Preferred Stock Issued (Repurchased)	-	-	-	-	-	293.33
Common Dividends Paid	-82.62	-84.64	-74.27	-63.79	-61.58	-65.88
Preferred Share Dividends Paid	-14.63	-14.63	-14.63	-14.63	-14.63	-6.38
Other Financing Activities	0.86	-1.49	8.78	2.5	3.04	-2.45
Financing Cash Flow	-324.3	-1,642	-2,326	1,461	817.86	653.12
Net Cash Flow	-561.66	-1,724	1,400	296.68	-1,407	387.83
Free Cash Flow	216.69	208.25	414.55	198.89	256.68	284.98
Free Cash Flow Growth	4.05%	-49.77%	108.43%	-22.51%	-9.93%	111.63%
FCF Margin	28.88%	29.04%	58.86%	28.37%	38.97%	50.39%
Free Cash Flow Per Share	2.79	2.59	5.58	3.05	3.92	3.93
Levered Free Cash Flow	477.71	-1,331	-1,524	1,662	638.07	-711.63
Unlevered Free Cash Flow	-54.96	-34.65	190.73	-105.95	11.37	94.47

Updated May 5, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q