WILLIS LEASE FINANCE CORP (WLFC) Fundamental Analysis & Valuation

NASDAQ:WLFC • US9706461053

180.65 USD
-5.06 (-2.72%)
Last: Mar 6, 2026, 11:30 AM
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This WLFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to WLFC. WLFC was compared to 47 industry peers in the Trading Companies & Distributors industry. While WLFC has a great profitability rating, there are quite some concerns on its financial health. WLFC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

7

1. WLFC Profitability Analysis

1.1 Basic Checks

  • WLFC had positive earnings in the past year.
  • In the past year WLFC had a positive cash flow from operations.
  • Of the past 5 years WLFC 4 years were profitable.
  • WLFC had a positive operating cash flow in each of the past 5 years.
WLFC Yearly Net Income VS EBIT VS OCF VS FCFWLFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

  • WLFC has a Return On Assets (3.42%) which is in line with its industry peers.
  • WLFC has a Return On Equity of 16.39%. This is in the better half of the industry: WLFC outperforms 74.47% of its industry peers.
  • The Return On Invested Capital of WLFC (5.88%) is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for WLFC is significantly below the industry average of 9.12%.
  • The 3 year average ROIC (4.02%) for WLFC is below the current ROIC(5.88%), indicating increased profibility in the last year.
Industry RankSector 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%
WLFC Yearly ROA, ROE, ROICWLFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • WLFC has a Profit Margin of 16.96%. This is amongst the best in the industry. WLFC outperforms 93.62% of its industry peers.
  • WLFC's Profit Margin has improved in the last couple of years.
  • The Operating Margin of WLFC (41.47%) is better than 95.74% of its industry peers.
  • WLFC's Operating Margin has improved in the last couple of years.
  • With an excellent Gross Margin value of 88.13%, WLFC belongs to the best of the industry, outperforming 97.87% of the companies in the same industry.
  • WLFC's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
WLFC Yearly Profit, Operating, Gross MarginsWLFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. WLFC Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), WLFC is destroying value.
  • The number of shares outstanding for WLFC has been increased compared to 1 year ago.
  • Compared to 5 years ago, WLFC has more shares outstanding
  • Compared to 1 year ago, WLFC has a worse debt to assets ratio.
WLFC Yearly Shares OutstandingWLFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
WLFC Yearly Total Debt VS Total AssetsWLFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • Based on the Altman-Z score of 1.00, we must say that WLFC is in the distress zone and has some risk of bankruptcy.
  • WLFC's Altman-Z score of 1.00 is on the low side compared to the rest of the industry. WLFC is outperformed by 70.21% of its industry peers.
  • A Debt/Equity ratio of 3.14 is on the high side and indicates that WLFC has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 3.14, WLFC is doing worse than 82.98% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.14
Debt/FCF N/A
Altman-Z 1
ROIC/WACC0.73
WACC8.1%
WLFC Yearly LT Debt VS Equity VS FCFWLFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B 1.5B 2B

2.3 Liquidity

  • WLFC has a Current Ratio of 1.03. This is a normal value and indicates that WLFC is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of WLFC (1.03) is worse than 78.72% of its industry peers.
  • A Quick Ratio of 0.52 indicates that WLFC may have some problems paying its short term obligations.
  • The Quick ratio of WLFC (0.52) is worse than 72.34% of its industry peers.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 0.52
WLFC Yearly Current Assets VS Current LiabilitesWLFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. WLFC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 18.48% over the past year.
  • The Earnings Per Share has been growing by 8.04% on average over the past years. This is quite good.
  • WLFC shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.91%.
  • The Revenue has been growing slightly by 6.82% on average over the past years.
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

  • WLFC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.08% yearly.
  • Based on estimates for the next years, WLFC will show a small growth in Revenue. The Revenue will grow by 6.58% on average per year.
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
WLFC Yearly Revenue VS EstimatesWLFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
WLFC Yearly EPS VS EstimatesWLFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 5 10 15

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Find the best growth stocksShow best growing peers

6

4. WLFC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 16.51, the valuation of WLFC can be described as correct.
  • Based on the Price/Earnings ratio, WLFC is valued cheaper than 85.11% of the companies in the same industry.
  • WLFC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.69.
  • The Price/Forward Earnings ratio is 12.04, which indicates a correct valuation of WLFC.
  • 95.74% of the companies in the same industry are more expensive than WLFC, based on the Price/Forward Earnings ratio.
  • WLFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.79, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.51
Fwd PE 12.04
WLFC Price Earnings VS Forward Price EarningsWLFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, WLFC is valued cheaply inside the industry as 82.98% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.89
WLFC Per share dataWLFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 100

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.
  • The decent profitability rating of WLFC may justify a higher PE ratio.
  • WLFC's earnings are expected to grow with 13.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)2.05
EPS Next 2Y10.86%
EPS Next 3Y13.08%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. WLFC Dividend Analysis

5.1 Amount

  • WLFC has a yearly dividend return of 0.70%, which is pretty low.
  • WLFC's Dividend Yield is comparable with the industry average which is at 1.00.
  • Compared to an average S&P500 Dividend Yield of 1.82, WLFC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.7%

5.2 History

  • The dividend of WLFC is nicely growing with an annual growth rate of 31.02%!
  • WLFC has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)31.02%
Div Incr Years0
Div Non Decr Years0
WLFC Yearly Dividends per shareWLFC Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.5 1

5.3 Sustainability

  • 10.15% of the earnings are spent on dividend by WLFC. This is a low number and sustainable payout ratio.
  • WLFC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP10.15%
EPS Next 2Y10.86%
EPS Next 3Y13.08%
WLFC Yearly Income VS Free CF VS DividendWLFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200M -400M
WLFC Dividend Payout.WLFC Dividend Payout, showing the Payout Ratio.WLFC Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

WLFC Fundamentals: All Metrics, Ratios and Statistics

WILLIS LEASE FINANCE CORP

NASDAQ:WLFC (3/6/2026, 11:30:04 AM)

180.65

-5.06 (-2.72%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCapital Goods
GICS IndustryTrading Companies & Distributors
Earnings (Last)11-04
Earnings (Next)03-10
Inst Owners49.77%
Inst Owner Change-1.29%
Ins Owners55.6%
Ins Owner Change-0.18%
Market Cap1.23B
Revenue(TTM)689.42M
Net Income(TTM)116.94M
Analysts82.86
Price Target163.2 (-9.66%)
Short Float %12.01%
Short Ratio6.83
Dividend
Industry RankSector Rank
Dividend Yield 0.7%
Yearly Dividend2.02
Dividend Growth(5Y)31.02%
DP10.15%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-11
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 16.51
Fwd PE 12.04
P/S 1.78
P/FCF N/A
P/OCF 4.44
P/B 1.72
P/tB 1.79
EV/EBITDA 8.89
EPS(TTM)10.94
EY6.06%
EPS(NY)15
Fwd EY8.31%
FCF(TTM)-60.45
FCFYN/A
OCF(TTM)40.68
OCFY22.52%
SpS101.24
BVpS104.78
TBVpS100.77
PEG (NY)0.4
PEG (5Y)2.05
Graham Number160.6
Profitability
Industry RankSector 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 RankSector 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 1
F-Score6
WACC8.1%
ROIC/WACC0.73
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%.