Business quality is the primary weakness (avg 35/100). Valuation is the relative bright spot.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
0.7x book, trading near or below equity
5–10% CAGR, steady but not exceptional
5–8% BVPS CAGR, steady compounding
Business Quality & Capital Allocation
Heavy dilution above 5%
5–10%, adequate but not exceptional
11.0% equity/assets, comfortable cushion
Net margin compressed >2pp, profitability pressure
WaFd (WAFD) quality: score, margins and returns
WaFd (WAFD) scores 60/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is WaFd (WAFD) a high-quality business?+
WaFd scores 60 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does WaFd's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from WAFD's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where WaFd scores well and where it falls behind.
How profitable is WaFd?+
WaFd runs a net margin of about 810.8%. Revenue has grown at roughly 72.5% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 31 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 5 Aug 2026. How this is calculated.
Fiscal year ends Sep. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
National Commercial Banks · Pick stocks to compare with WAFD
Held by ETFs
WAFD is in 92 US ETFs. The largest of them, with WAFD's weight in each:
Spot a number that looks wrong? Check it in WAFD's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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