WALL FINANCIAL CORP (WFC.CA) Stock Fundamental Analysis
TSX:WFC - CA9319021007 - Common Stock
15.04 CAD
+0.09 (+0.6%)
Overall WFC gets a fundamental rating of 4 out of 10. We evaluated WFC against 30 industry peers in the Real Estate Management & Development industry. WFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. WFC has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
WFC had positive earnings in the past year.
WFC had a positive operating cash flow in the past year.
WFC had positive earnings in each of the past 5 years.
In the past 5 years WFC always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 3.19%, WFC is doing good in the industry, outperforming 63.33% of the companies in the same industry.
Looking at the Return On Equity, with a value of 15.93%, WFC belongs to the top of the industry, outperforming 93.33% of the companies in the same industry.
WFC has a better Return On Invested Capital (5.86%) than 80.00% of its industry peers.
WFC had an Average Return On Invested Capital over the past 3 years of 6.43%. This is in line with the industry average of 7.54%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.19% | ||
| ROE | 15.93% | ||
| ROIC | 5.86% |
ROA(3y)3.65%
ROA(5y)2.53%
ROE(3y)16.55%
ROE(5y)11.56%
ROIC(3y)6.43%
ROIC(5y)9.31%
1.3 Margins
WFC has a Profit Margin (14.02%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of WFC has declined.
With a decent Operating Margin value of 32.03%, WFC is doing good in the industry, outperforming 63.33% of the companies in the same industry.
In the last couple of years the Operating Margin of WFC has grown nicely.
The Gross Margin of WFC (39.60%) is worse than 60.00% of its industry peers.
In the last couple of years the Gross Margin of WFC has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 32.03% | ||
| PM (TTM) | 14.02% | ||
| GM | 39.6% |
OM growth 3Y-11.51%
OM growth 5Y4.33%
PM growth 3Y30.1%
PM growth 5Y-12.35%
GM growth 3Y-9.99%
GM growth 5Y5.02%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so WFC is destroying value.
WFC has less shares outstanding than it did 1 year ago.
The number of shares outstanding for WFC has been reduced compared to 5 years ago.
Compared to 1 year ago, WFC has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.64, we must say that WFC is in the distress zone and has some risk of bankruptcy.
WFC has a Altman-Z score of 0.64. This is in the lower half of the industry: WFC underperforms 73.33% of its industry peers.
The Debt to FCF ratio of WFC is 9.19, which is on the high side as it means it would take WFC, 9.19 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 9.19, WFC is doing good in the industry, outperforming 66.67% of the companies in the same industry.
A Debt/Equity ratio of 3.08 is on the high side and indicates that WFC has dependencies on debt financing.
WFC has a worse Debt to Equity ratio (3.08) than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.08 | ||
| Debt/FCF | 9.19 | ||
| Altman-Z | 0.64 |
ROIC/WACC0.75
WACC7.83%
2.3 Liquidity
A Current Ratio of 0.08 indicates that WFC may have some problems paying its short term obligations.
WFC's Current ratio of 0.08 is on the low side compared to the rest of the industry. WFC is outperformed by 93.33% of its industry peers.
WFC has a Quick Ratio of 0.08. This is a bad value and indicates that WFC is not financially healthy enough and could expect problems in meeting its short term obligations.
WFC's Quick ratio of 0.05 is on the low side compared to the rest of the industry. WFC is outperformed by 96.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.08 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 30.89% over the past year.
Measured over the past years, WFC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -25.09% on average per year.
WFC shows a strong growth in Revenue. In the last year, the Revenue has grown by 33.53%.
WFC shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -15.43% yearly.
EPS 1Y (TTM)30.89%
EPS 3Y23.93%
EPS 5Y-25.09%
EPS Q2Q%70.36%
Revenue 1Y (TTM)33.53%
Revenue growth 3Y-5.21%
Revenue growth 5Y-15.43%
Sales Q2Q%18.98%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 16.35 indicates a correct valuation of WFC.
Compared to the rest of the industry, the Price/Earnings ratio of WFC is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.90, WFC is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.35 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, WFC is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
WFC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WFC is cheaper than 86.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.74 | ||
| EV/EBITDA | 10.59 |
4.3 Compensation for Growth
The decent profitability rating of WFC may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 15.67%, WFC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.25, WFC pays a better dividend. On top of this WFC pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, WFC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.67% |
5.2 History
WFC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2YN/A
EPS Next 3YN/A
TSX:WFC (8/29/2025, 7:00:00 PM)
15.04
+0.09 (+0.6%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryReal Estate Management & Development
Earnings (Last)
Earnings (Next)
Inst Owners0.02%
Inst Owner ChangeN/A
Ins Owners15.35%
Ins Owner ChangeN/A
Market Cap481.73M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.67% |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.35 | ||
| Fwd PE | N/A | ||
| P/S | 2.27 | ||
| P/FCF | 6.74 | ||
| P/OCF | 6.6 | ||
| P/B | 2.58 | ||
| P/tB | 2.58 | ||
| EV/EBITDA | 10.59 |
EPS(TTM)0.92
EY6.12%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.23
FCFY14.83%
OCF(TTM)2.28
OCFY15.14%
SpS6.62
BVpS5.83
TBVpS5.83
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.19% | ||
| ROE | 15.93% | ||
| ROCE | 12.48% | ||
| ROIC | 5.86% | ||
| ROICexc | 5.93% | ||
| ROICexgc | 5.93% | ||
| OM | 32.03% | ||
| PM (TTM) | 14.02% | ||
| GM | 39.6% | ||
| FCFM | 33.69% |
ROA(3y)3.65%
ROA(5y)2.53%
ROE(3y)16.55%
ROE(5y)11.56%
ROIC(3y)6.43%
ROIC(5y)9.31%
ROICexc(3y)6.58%
ROICexc(5y)9.55%
ROICexgc(3y)6.58%
ROICexgc(5y)9.55%
ROCE(3y)12.61%
ROCE(5y)18.41%
ROICexcg growth 3Y-18.95%
ROICexcg growth 5Y-11.99%
ROICexc growth 3Y-18.95%
ROICexc growth 5Y-11.99%
OM growth 3Y-11.51%
OM growth 5Y4.33%
PM growth 3Y30.1%
PM growth 5Y-12.35%
GM growth 3Y-9.99%
GM growth 5Y5.02%
F-Score7
Asset Turnover0.23
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.08 | ||
| Debt/FCF | 9.19 | ||
| Debt/EBITDA | 7.18 | ||
| Cap/Depr | 12.42% | ||
| Cap/Sales | 0.71% | ||
| Interest Coverage | 2.24 | ||
| Cash Conversion | 91.17% | ||
| Profit Quality | 240.32% | ||
| Current Ratio | 0.08 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | 0.64 |
F-Score7
WACC7.83%
ROIC/WACC0.75
Cap/Depr(3y)18.72%
Cap/Depr(5y)13.79%
Cap/Sales(3y)1.52%
Cap/Sales(5y)1.11%
Profit Quality(3y)78.73%
Profit Quality(5y)363.54%
High Growth Momentum
Growth
EPS 1Y (TTM)30.89%
EPS 3Y23.93%
EPS 5Y-25.09%
EPS Q2Q%70.36%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)33.53%
Revenue growth 3Y-5.21%
Revenue growth 5Y-15.43%
Sales Q2Q%18.98%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y21.01%
EBIT growth 3Y-16.12%
EBIT growth 5Y-11.77%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y205.42%
FCF growth 3Y-41.02%
FCF growth 5Y-38.7%
OCF growth 1Y176.27%
OCF growth 3Y-40.03%
OCF growth 5Y-38.07%