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WILLIS LEASE FINANCE CORP (WLFC) Stock Fundamental Analysis

NASDAQ:WLFC - Nasdaq - US9706461053 - Common Stock - Currency: USD

157  +0.36 (+0.23%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to WLFC. WLFC was compared to 50 industry peers in the Trading Companies & Distributors industry. WLFC has an excellent profitability rating, but there are concerns on its financial health. WLFC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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7

1. Profitability

1.1 Basic Checks

In the past year WLFC was profitable.
In the past year WLFC had a positive cash flow from operations.
Of the past 5 years WLFC 4 years were profitable.
In the past 5 years WLFC always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

The Return On Assets of WLFC (3.17%) is comparable to the rest of the industry.
WLFC's Return On Equity of 17.04% is fine compared to the rest of the industry. WLFC outperforms 68.00% of its industry peers.
WLFC's Return On Invested Capital of 5.55% is in line compared to the rest of the industry. WLFC outperforms 42.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for WLFC is significantly below the industry average of 9.15%.
The 3 year average ROIC (4.02%) for WLFC is below the current ROIC(5.55%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.17%
ROE 17.04%
ROIC 5.55%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

WLFC has a Profit Margin of 18.34%. This is amongst the best in the industry. WLFC outperforms 94.00% of its industry peers.
WLFC's Profit Margin has improved in the last couple of years.
WLFC has a better Operating Margin (45.74%) than 96.00% of its industry peers.
In the last couple of years the Operating Margin of WLFC has grown nicely.
Looking at the Gross Margin, with a value of 91.69%, WLFC belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Gross Margin of WLFC has grown nicely.
Industry RankSector Rank
OM 45.74%
PM (TTM) 18.34%
GM 91.69%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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0

2. Health

2.1 Basic Checks

WLFC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
WLFC has a worse debt/assets ratio than last year.
WLFC Yearly Shares OutstandingWLFC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

WLFC has an Altman-Z score of 0.92. This is a bad value and indicates that WLFC is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.92, WLFC is doing worse than 86.00% of the companies in the same industry.
A Debt/Equity ratio of 3.70 is on the high side and indicates that WLFC has dependencies on debt financing.
With a Debt to Equity ratio value of 3.70, WLFC is not doing good in the industry: 90.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.7
Debt/FCF N/A
Altman-Z 0.92
ROIC/WACC0.69
WACC7.99%
WLFC Yearly LT Debt VS Equity VS FCFWLFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 1.20. This is a normal value and indicates that WLFC is financially healthy and should not expect problems in meeting its short term obligations.
WLFC has a Current ratio of 1.20. This is amonst the worse of the industry: WLFC underperforms 82.00% of its industry peers.
WLFC has a Quick Ratio of 1.20. This is a bad value and indicates that WLFC is not financially healthy enough and could expect problems in meeting its short term obligations.
WLFC's Quick ratio of 0.48 is on the low side compared to the rest of the industry. WLFC is outperformed by 82.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.2
Quick Ratio 0.48
WLFC Yearly Current Assets VS Current LiabilitesWLFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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2

3. Growth

3.1 Past

WLFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 146.98%, which is quite impressive.
The Revenue has grown by 36.02% in the past year. This is a very strong growth!
EPS 1Y (TTM)146.98%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%83.77%
Revenue 1Y (TTM)36.02%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%33.7%

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.
WLFC Yearly Revenue VS EstimatesWLFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2024 2025 2026 2027 5 10 15 20

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 176.40 indicates a quite expensive valuation of WLFC.
Compared to the rest of the industry, the Price/Earnings ratio of WLFC indicates a slightly more expensive valuation: WLFC is more expensive than 76.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 28.18. WLFC is valued rather expensively when compared to this.
Industry RankSector Rank
PE 176.4
Fwd PE N/A
WLFC Price Earnings VS Forward Price EarningsWLFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

WLFC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. WLFC is cheaper than 66.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.72
WLFC Per share dataWLFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50

4.3 Compensation for Growth

WLFC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

WLFC has a yearly dividend return of 0.66%, which is pretty low.
WLFC's Dividend Yield is comparable with the industry average which is at 2.95.
With a Dividend Yield of 0.66, WLFC pays less dividend than the S&P500 average, which is at 2.45.
Industry RankSector Rank
Dividend Yield 0.66%

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
WLFC Yearly Dividends per shareWLFC Yearly Dividends per shareYearly Dividends per share 2024 2025 0.5 1

5.3 Sustainability

WLFC pays out 13.59% of its income as dividend. This is a sustainable payout ratio.
DP13.59%
EPS Next 2YN/A
EPS Next 3YN/A
WLFC Yearly Income VS Free CF VS DividendWLFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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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WILLIS LEASE FINANCE CORP

NASDAQ:WLFC (5/5/2025, 10:52:10 AM)

157

+0.36 (+0.23%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCapital Goods
GICS IndustryTrading Companies & Distributors
Earnings (Last)03-10 2025-03-10/bmo
Earnings (Next)05-06 2025-05-06/bmo
Inst Owners41.92%
Inst Owner Change0.15%
Ins Owners57.74%
Ins Owner Change6.16%
Market Cap1.20B
Analysts82.86
Price Target227.46 (44.88%)
Short Float %6.33%
Short Ratio3.39
Dividend
Industry RankSector Rank
Dividend Yield 0.66%
Yearly Dividend2.02
Dividend Growth(5Y)31.02%
DP13.59%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-12 2025-02-12 (0.25)
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)0%
PT rev (3m)2.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.98%
EPS NY rev (1m)0%
EPS NY rev (3m)29.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 176.4
Fwd PE N/A
P/S 2.12
P/FCF N/A
P/OCF 4.23
P/B 1.97
P/tB 2.08
EV/EBITDA 9.72
EPS(TTM)0.89
EY0.57%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-73.23
FCFYN/A
OCF(TTM)37.08
OCFY23.62%
SpS74.21
BVpS79.85
TBVpS75.41
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.17%
ROE 17.04%
ROCE 8.14%
ROIC 5.55%
ROICexc 5.57%
ROICexgc 5.73%
OM 45.74%
PM (TTM) 18.34%
GM 91.69%
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%
ROICexcg growth 3Y32.55%
ROICexcg 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-Score5
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 3.7
Debt/FCF N/A
Debt/EBITDA 6.37
Cap/Depr 888.69%
Cap/Sales 148.64%
Interest Coverage 2.59
Cash Conversion 79.98%
Profit Quality N/A
Current Ratio 1.2
Quick Ratio 0.48
Altman-Z 0.92
F-Score5
WACC7.99%
ROIC/WACC0.69
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)146.98%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%83.77%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)36.02%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%33.7%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y76.58%
EBIT growth 3Y45.81%
EBIT growth 5Y9.47%
EBIT Next Year59.84%
EBIT Next 3Y23.51%
EBIT Next 5Y19.56%
FCF growth 1Y-1021.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y23.8%
OCF growth 3Y46.37%
OCF growth 5Y4.31%