149.69 USD
+1.89 (+1.28%)
Overall WLFC gets a fundamental rating of 4 out of 10. We evaluated WLFC against 50 industry peers in the Trading Companies & Distributors industry. WLFC has an excellent profitability rating, but there are concerns on its financial health. WLFC has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
WLFC had positive earnings in the past year.
WLFC had a positive operating cash flow in the past year.
Of the past 5 years WLFC 4 years were profitable.
WLFC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 3.42%, WLFC perfoms like the industry average, outperforming 48.00% of the companies in the same industry.
WLFC's Return On Equity of 16.39% is fine compared to the rest of the industry. WLFC outperforms 68.00% of its industry peers.
WLFC has a Return On Invested Capital (5.88%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for WLFC is significantly below the industry average of 9.63%.
The 3 year average ROIC (4.02%) for WLFC is below the current ROIC(5.88%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.42% | ||
| ROE | 16.39% | ||
| ROIC | 5.88% |
ROA(3y)1.59%
ROA(5y)1.01%
ROE(3y)8.59%
ROE(5y)5.46%
ROIC(3y)4.02%
ROIC(5y)3.49%
1.3 Margins
The Profit Margin of WLFC (16.96%) is better than 88.00% of its industry peers.
In the last couple of years the Profit Margin of WLFC has grown nicely.
WLFC has a better Operating Margin (41.47%) than 96.00% of its industry peers.
WLFC's Operating Margin has improved in the last couple of years.
The Gross Margin of WLFC (88.13%) is better than 98.00% of its industry peers.
WLFC's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 41.47% | ||
| PM (TTM) | 16.96% | ||
| GM | 88.13% |
OM growth 3Y14.3%
OM growth 5Y2.48%
PM growth 3YN/A
PM growth 5Y3.36%
GM growth 3Y-1.03%
GM growth 5Y1.6%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so WLFC is destroying value.
WLFC has more shares outstanding than it did 1 year ago.
WLFC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for WLFC is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.94, we must say that WLFC is in the distress zone and has some risk of bankruptcy.
WLFC's Altman-Z score of 0.94 is on the low side compared to the rest of the industry. WLFC is outperformed by 80.00% of its industry peers.
WLFC has a Debt/Equity ratio of 3.14. This is a high value indicating a heavy dependency on external financing.
WLFC's Debt to Equity ratio of 3.14 is on the low side compared to the rest of the industry. WLFC is outperformed by 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.94 |
ROIC/WACC0.78
WACC7.49%
2.3 Liquidity
A Current Ratio of 1.03 indicates that WLFC should not have too much problems paying its short term obligations.
With a Current ratio value of 1.03, WLFC is not doing good in the industry: 84.00% of the companies in the same industry are doing better.
A Quick Ratio of 0.52 indicates that WLFC may have some problems paying its short term obligations.
With a Quick ratio value of 0.52, WLFC is not doing good in the industry: 74.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 0.52 |
3. Growth
3.1 Past
WLFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.48%, which is quite good.
Measured over the past years, WLFC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.04% on average per year.
Looking at the last year, WLFC shows a very strong growth in Revenue. The Revenue has grown by 29.91%.
WLFC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.82% yearly.
EPS 1Y (TTM)18.48%
EPS 3YN/A
EPS 5Y8.04%
EPS Q2Q%9.2%
Revenue 1Y (TTM)29.91%
Revenue growth 3Y27.57%
Revenue growth 5Y6.82%
Sales Q2Q%25.42%
3.2 Future
The Earnings Per Share is expected to grow by 13.08% on average over the next years. This is quite good.
WLFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.58% yearly.
EPS Next Y40.94%
EPS Next 2Y10.86%
EPS Next 3Y13.08%
EPS Next 5YN/A
Revenue Next Year18.49%
Revenue Next 2Y9.54%
Revenue Next 3Y9.83%
Revenue Next 5Y6.58%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.68, WLFC is valued correctly.
88.00% of the companies in the same industry are more expensive than WLFC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.00. WLFC is valued slightly cheaper when compared to this.
WLFC is valuated reasonably with a Price/Forward Earnings ratio of 9.98.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WLFC indicates a rather cheap valuation: WLFC is cheaper than 96.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.70, WLFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.68 | ||
| Fwd PE | 9.98 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, WLFC is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.24 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
WLFC has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as WLFC's earnings are expected to grow with 13.08% in the coming years.
PEG (NY)0.33
PEG (5Y)1.7
EPS Next 2Y10.86%
EPS Next 3Y13.08%
5. Dividend
5.1 Amount
WLFC has a yearly dividend return of 0.85%, which is pretty low.
Compared to an average industry Dividend Yield of 1.01, WLFC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, WLFC's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
5.2 History
On average, the dividend of WLFC grows each year by 31.02%, which is quite nice.
WLFC does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)31.02%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
10.15% of the earnings are spent on dividend by WLFC. This is a low number and sustainable payout ratio.
The dividend of WLFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP10.15%
EPS Next 2Y10.86%
EPS Next 3Y13.08%
NASDAQ:WLFC (1/9/2026, 9:56:06 AM)
149.69
+1.89 (+1.28%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCapital Goods
GICS IndustryTrading Companies & Distributors
Earnings (Last)
Earnings (Next)
Inst Owners49.77%
Inst Owner Change0%
Ins Owners55.6%
Ins Owner Change-5.57%
Market Cap1.02B
Revenue(TTM)689.42M
Net Income(TTM)116.94M
Analysts82.86
Price Target163.2 (9.03%)
Short Float %14.17%
Short Ratio7.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
Yearly Dividend2.02
Dividend Growth(5Y)31.02%
DP10.15%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.69%
Min EPS beat(2)-29.4%
Max EPS beat(2)8.02%
EPS beat(4)2
Avg EPS beat(4)-6.9%
Min EPS beat(4)-51.98%
Max EPS beat(4)45.76%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)24.64%
Min Revenue beat(2)15.25%
Max Revenue beat(2)34.03%
Revenue beat(4)4
Avg Revenue beat(4)19.62%
Min Revenue beat(4)3.78%
Max Revenue beat(4)34.03%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-15.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.64%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.68 | ||
| Fwd PE | 9.98 | ||
| P/S | 1.48 | ||
| P/FCF | N/A | ||
| P/OCF | 3.68 | ||
| P/B | 1.43 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | 8.24 |
EPS(TTM)10.94
EY7.31%
EPS(NY)15
Fwd EY10.02%
FCF(TTM)-60.45
FCFYN/A
OCF(TTM)40.68
OCFY27.18%
SpS101.24
BVpS104.78
TBVpS100.77
PEG (NY)0.33
PEG (5Y)1.7
Graham Number160.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.42% | ||
| ROE | 16.39% | ||
| ROCE | 8.62% | ||
| ROIC | 5.88% | ||
| ROICexc | 5.9% | ||
| ROICexgc | 6.09% | ||
| OM | 41.47% | ||
| PM (TTM) | 16.96% | ||
| GM | 88.13% | ||
| FCFM | N/A |
ROA(3y)1.59%
ROA(5y)1.01%
ROE(3y)8.59%
ROE(5y)5.46%
ROIC(3y)4.02%
ROIC(5y)3.49%
ROICexc(3y)4.03%
ROICexc(5y)3.51%
ROICexgc(3y)4.15%
ROICexgc(5y)3.62%
ROCE(3y)5.89%
ROCE(5y)5.12%
ROICexgc growth 3Y32.55%
ROICexgc growth 5Y-1.45%
ROICexc growth 3Y32.68%
ROICexc growth 5Y-1.63%
OM growth 3Y14.3%
OM growth 5Y2.48%
PM growth 3YN/A
PM growth 5Y3.36%
GM growth 3Y-1.03%
GM growth 5Y1.6%
F-Score6
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 5.7 | ||
| Cap/Depr | 645.85% | ||
| Cap/Sales | 99.9% | ||
| Interest Coverage | 2.23 | ||
| Cash Conversion | 70.57% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.03 | ||
| Quick Ratio | 0.52 | ||
| Altman-Z | 0.94 |
F-Score6
WACC7.49%
ROIC/WACC0.78
Cap/Depr(3y)468.71%
Cap/Depr(5y)414.41%
Cap/Sales(3y)94.3%
Cap/Sales(5y)100.3%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.48%
EPS 3YN/A
EPS 5Y8.04%
EPS Q2Q%9.2%
EPS Next Y40.94%
EPS Next 2Y10.86%
EPS Next 3Y13.08%
EPS Next 5YN/A
Revenue 1Y (TTM)29.91%
Revenue growth 3Y27.57%
Revenue growth 5Y6.82%
Sales Q2Q%25.42%
Revenue Next Year18.49%
Revenue Next 2Y9.54%
Revenue Next 3Y9.83%
Revenue Next 5Y6.58%
EBIT growth 1Y23.08%
EBIT growth 3Y45.81%
EBIT growth 5Y9.47%
EBIT Next Year59.84%
EBIT Next 3Y23.51%
EBIT Next 5Y19.56%
FCF growth 1Y-2493.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y19.88%
OCF growth 3Y46.37%
OCF growth 5Y4.31%
WILLIS LEASE FINANCE CORP / WLFC FAQ
Can you provide the ChartMill fundamental rating for WILLIS LEASE FINANCE CORP?
ChartMill assigns a fundamental rating of 4 / 10 to WLFC.
What is the valuation status of WILLIS LEASE FINANCE CORP (WLFC) stock?
ChartMill assigns a valuation rating of 6 / 10 to WILLIS LEASE FINANCE CORP (WLFC). This can be considered as Fairly Valued.
How profitable is WILLIS LEASE FINANCE CORP (WLFC) stock?
WILLIS LEASE FINANCE CORP (WLFC) has a profitability rating of 7 / 10.
Can you provide the expected EPS growth for WLFC stock?
The Earnings per Share (EPS) of WILLIS LEASE FINANCE CORP (WLFC) is expected to grow by 40.94% in the next year.
Can you provide the dividend sustainability for WLFC stock?
The dividend rating of WILLIS LEASE FINANCE CORP (WLFC) is 3 / 10 and the dividend payout ratio is 10.15%.