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Wafd cash flow, quarter by quarter

Latest: Q3 FY26 · from the cash-flow statements filed with the SEC

Free cash flow$63.4M in Q3 FY26 · $227M over twelve months

Operating cash flow$70.3M
Capital spending−$6.9M
Free cash flow+$63.4M
Cash / net income1.1×

Analysis

In Q3 FY26, Wafd generated $70.3M of operating cash flow and spent $6.9M on capital projects, leaving free cash flow of $63.4M. That is $10.3M more than in Q3 FY25 ($53.1M).

Over the twelve months to Jun 30, 2026, operating cash flow was $268M; the largest uses were other financing ($14.4B), other investing ($969M), buybacks ($174M); besides operations, cash came from net borrowing (+) / repaid (−) ($15.3B), asset & business sales ($11.1M); the cash balance fell by $133M.

Operating cash flow was $70.3M against net income of $66.1M — 1.1× profit, roughly in line with earnings. The largest differences: accrued liabilities −$18.7M, prepaid and other assets +$12.2M, depreciation & amortization +$6.0M.

Free cash flow

Wafd: free cash flow by quarterWafd: free cash flow by quarter$89.4MQ4 FY24$43.0MQ1 FY25$66.6MQ2 FY25$53.1MQ3 FY25$45.6MQ4 FY25$50.0MQ1 FY26$68.0MQ2 FY26$63.4MQ3 FY26
Operating cash flow less capital spending.
Wafd: operating cash flow against capital spendingWafd: operating cash flow against capital spendingOperating cash flowCapital spending$96.6M$7.2MQ4 FY24$49.4M$6.4MQ1 FY25$72.1M$5.6MQ2 FY25$58.0M$4.9MQ3 FY25$57.4M$11.8MQ4 FY25$60.5M$10.4MQ1 FY26$79.4M$11.4MQ2 FY26$70.3M$6.9MQ3 FY26
Latest (Q3 FY26): Operating cash flow $70.3M, Capital spending $6.9M.

Capital allocation, year by year

Wafd: where the cash came from (up) and went (down), by fiscal yearWafd: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY21: Operating cash flow $314MFY21: Net borrowing −$994MFY21: Shares issued $294MFY21: Asset sales $3.4MFY21: Capital spending −$29.5MFY21: Acquisitions −$1.5MFY21: Buybacks −$349MFY21: Dividends −$65.9M$611MFY21FY22: Operating cash flow $268MFY22: Net borrowing $405MFY22: Shares issued $1.8MFY22: Asset sales $41KFY22: Capital spending −$11.8MFY22: Buybacks −$3.3MFY22: Dividends −$61.6M$675MFY22FY23: Operating cash flow $214MFY23: Net borrowing $1.5BFY23: Shares issued $1.1MFY23: Asset sales $1.1MFY23: Capital spending −$15.1MFY23: Acquisitions −$2.6MFY23: Buybacks −$30.5MFY23: Dividends −$63.8M$1.7BFY23FY24: Operating cash flow $439MFY24: Net borrowing $16.9BFY24: Shares issued $5.2MFY24: Asset sales $1.3MFY24: Capital spending −$24.7MFY24: Acquisitions $624MFY24: Buybacks −$27.1MFY24: Dividends −$74.3M$18.0BFY24FY25: Operating cash flow $237MFY25: Net borrowing $11.0BFY25: Shares issued $3.9MFY25: Asset sales $1.7MFY25: Capital spending −$28.7MFY25: Acquisitions −$360KFY25: Buybacks −$102MFY25: Dividends −$84.6M$11.3BFY25
Over these 5 years operating cash flow totalled $1.5B; the largest uses were net borrowing ($994M) and buybacks ($511M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$676M
Debtnone
Net cash$676M

Wafd funds itself: free cash flow was $227M over the last twelve months, with $676M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Wafd: sources (+) and uses (−) of cash, Q3 FY26Wafd: sources (+) and uses (−) of cash, Q3 FY26Other financing−$4.2BNet borrowing (+) / repaid (−)$4.2BOperating cash flow$70.3MOther investing−$42.5MDividends−$19.7MAsset & business sales$7.4MCapital spending−$6.9MCash drawn (+) / kept (−)−$6.7MShares issued$3.3MBuybacks−$319K
Wafd: sources (+) and uses (−) of cash, TTM to Q3 FY26Wafd: sources (+) and uses (−) of cash, TTM to Q3 FY26Net borrowing (+) / repaid (−)$15.3BOther financing−$14.4BOther investing−$969MOperating cash flow$268MBuybacks−$174MCash drawn (+) / kept (−)$133MDividends−$81.0MCapital spending−$40.5MAsset & business sales$11.1MAcquisitions−$5.4MShares issued$4.6M

From profit to cash

Wafd: net income to operating cash flow, Q3 FY26Wafd: net income to operating cash flow, Q3 FY26Net income$66.1MDepreciation & amortization$6.0MStock-based pay$2.4MGains on investments−$112KGains on disposals−$3.7MAccrued liabilities−$18.7MPrepaid and other assets$12.2MIncome taxes payable−$312KOperating cash flow$70.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 FY26$70.3M−$6.9M—−$319K−$19.7M$4.2B$3.3M−$6.7M$63.4M
Q2 FY26$79.4M−$11.4M−$3.4M−$87.2M−$20.2M$4.1B$475K$65.1M$68.0M
Q1 FY26$60.5M−$10.4M−$2.0M−$58.0M−$20.4M$3.9B$488K−$77.6M$50.0M
Q4 FY25$57.4M−$11.8M—−$28.8M−$20.9M$3.1B$372K$152M$45.6M
Q3 FY25$58.0M−$4.9M—−$48.3M−$21.2M$2.5B$620K$422M$53.1M
Q2 FY25$72.1M−$5.6M—−$21.3M−$21.6M$3.2B$441K$276M$66.6M
Q1 FY25$49.4M−$6.4M−$360K−$3.4M−$20.9M$2.2B$2.5M$873M$43.0M
Q4 FY24$96.6M−$7.2M—−$250K−$20.9M$1.1B$2.7M$111M$89.4M

Wafd: income statement and cash flow

Wafd, Q3 FY26: revenue $206M (+10% year over year), operating margin 41.0%. The chart follows the revenue to costs, profit and cash.

Wafd: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.