# Willis Lease Finance Corporation (WLFC) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Industrials / Commercial Services. Price $43.05, market value $910 million.

## Valuation
- **P/E (trailing): 12.8×** (5-yr avg 144.1×, 3-yr avg 15.2×). Willis Lease Finance Corporation trades at 12.8× trailing earnings, well below its own five-year average of 144.1×: cheap by its own standards. The Industrials median in the September 2026 study was 25.7×. Forward P/E is 6.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 19.23**. A PEG of 19.23 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 1.2×**. Each dollar of revenue is priced at 1.2×.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 15.1×**. Enterprise value is 15.1× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 27.7%** (5-yr avg 18.9%). Free cash flow equals 27.7% of the market value, above its five-year average of 18.9%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 7.8%**. The inverse of the P/E: 7.8% of the price is earned each year.

## Profitability
- **Operating margin: 15.7%**. 15.7% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 15.6%**. 15.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 17.2%**. 17.2% on shareholders' equity is solid.
- **Return on invested capital: 2.8%**. Return on all capital, debt included, is 2.8%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: 2.3%**. Each dollar of assets produces 2.3% of profit.

## Growth
- **Revenue growth (1 yr): 28.3%** (3-yr 32.8%/yr, 5-yr 20.4%/yr). Revenue grew 28.3% over the last year, against 20.4% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 0.3%** (3-yr 419.1%/yr, 5-yr 113.1%/yr). Earnings per share rose 0.3%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 22.3%/yr**. Free cash flow has compounded at 22.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Debt to equity: 4.08**. Debt is 4.08 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 11.3×**. It would take 11.3 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Altman Z-score: 0.68**. A Z-score of 0.68 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.39%** ($0.48 per share, trailing). Willis Lease Finance Corporation yields 1.39%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 8%** (4% of free cash flow). 8% of earnings goes out as dividends, leaving room to keep raising it.

## Analyst view
- **Analyst consensus: strong_buy** (2 analysts). 2 analysts cover Willis Lease Finance Corporation; the consensus is strong_buy, with an average price target of $70.50 (+64% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -65.7%** (YTD -67.5%, 3-mo -39.5%). The shares are down 65.7% over twelve months including dividends.
- **From 52-week high: -47.2%** (18.3% above the low). Trading 47% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 1.37** (volatility 84%). Beta of 1.37 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=WLFC · Page: https://foliofundamentals.com/stocks/wlfc

Not investment advice.