WaFd, Inc. — Earnings Quality Grade F
WAFD · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 50 days, change -2 days YoY
AR growth -4.1% vs revenue growth 0.4%
Revenue 0.4%, CFFO -46.1%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 16.3% vs revenue 0.4%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.05. Profits backed by cash
FCF $0.2B, FCF/NI = 0.92
Accruals ratio = -0.0%. Low accruals
Cash $0.7B covers only 36% of debt $1.8B
Balance Sheet Health
Goodwill+Intangibles $0.4B = 15% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
WaFd, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25