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WLFC · Nasdaq · United States · Wholesale-Machinery, Equipment & Supplies
In shortWILLIS LEASE FINANCE CORP is profitable, generates cash and carries heavy debt, with revenue growing (+28.3% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 14.3% | 64/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 15.6% | 82/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 18.8% | 94/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 2.2% | 15/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | – | n/a |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 4.08× | 0/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 12.43× | 0/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 0.79× | 0/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | – | n/a |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 34.5% | 100/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 2.22× | 100/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 17.2% | 47/100 |
| Operating margin volatility | 9.4% | 24/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 32.8% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | 259.9% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 274 | 312 | 419 | 569 | 730 |
| Operating income | 8.3 | 9.9 | 64 | 144 | 104 |
| Interest expense | 68 | 67 | 79 | 105 | 132 |
| Pre-tax income | 9.1 | 9.8 | 67 | 153 | 161 |
| Income tax | 5.8 | 4.4 | 23 | 44 | 47 |
| Net income | 3.4 | 5.4 | 44 | 109 | 114 |
| Diluted EPS | $0.00 | $0.33 | $6.23 | $15.34 | $15.39 |
| Diluted shares (millions) | 6.3 | 6.3 | 6.5 | 6.8 | 7 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of WILLIS LEASE FINANCE CORP are included in the Investor plan. Try free for 7 days →
Not computed: a required balance-sheet item is missing.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 4, 2026