Willis Lease Finance Corporation (WLFC) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Willis Lease Finance Corporation $68.21, price $45.67, upside +49.4%, quality 33 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range $9.56 – $79.78 · fair‑value band $43.54 – $103.78 · the $45.67 price screens below the $68.21 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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Willis Lease Finance Corporation, together with its subsidiaries, operates as a lessor and servicer of commercial aircraft and aircraft engines worldwide. It operates in two segments, Leasing and Related Operations, and Spare Parts Sales.
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Willis Lease Finance Corporation, together with its subsidiaries, operates as a lessor and servicer of commercial aircraft and aircraft engines worldwide. It operates in two segments, Leasing and Related Operations, and Spare Parts Sales. The company engages in acquiring and leasing commercial aircraft, aircraft engines, and related aircraft equipment, as well as the purchase and resale of commercial aircraft engines and other aircraft equipment, and service and maintenance related businesses. It also purchases and resells after-market engine parts, whole engines, engine modules, and portable aircraft components. The company serves commercial aircraft operators, as well as maintenance, repair, and overhaul organizations. Willis Lease Finance Corporation was incorporated in 1985 and is headquartered in Coconut Creek, Florida.
Stock analysis
Willis Lease Finance Corporation (WLFC) currently trades at $45.67, while our model-based Fair Value estimate is $68.21, implying the stock looks roughly 33.0% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of $96.05 per share, and 8 of the 13 models we run sit above the $45.67 price.
Bear case: the Dividend Discount group reads lowest at $7.93, and 5 of the 13 models stay below the price. Evidence for this calculation is medium.
Scenario range: $43.54 (bear) to $103.78 (bull), the price of $45.67 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 33/100 (below-average quality), in the Industrials sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Willis Lease Finance Corporation reported revenue of $676M in FY2025 versus $274M in FY2021, a compound +25.3%/yr. Reported net income was $114M in FY2025, compounding +141.4%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap $1.7B · P/E ratio 13.1 · P/S ratio 2.20 · EPS (TTM) $16.54 · Dividend yield 0.6% · Net margin 16.8% · Return on equity 17.6% · Return on assets (EBIT) 2.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (low confidence).
What moves the price
The share trades about 43% below its 52-week high and 20% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −12% fair-value upside, at 49%, WLFC screens cheaper than that median.
Fair Value models
Bear $43.54Fair Value $68.21Bull $103.78
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($11.52 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+18.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.5%
Start year 2020 (pandemic). Over 10 years: +13.0% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.0%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+52.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+52.3%
Dividend (yield on the price)0.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.59.1% vs 33.2%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.5% → 32%
Compare Willis Lease Finance Corporation with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Rental & Leasing Services · 88 stocks
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Is Willis Lease Finance Corporation (WLFC) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $68.21 versus a price of $45.67, about +49% upside (undervalued).
What is the fair value of WLFC?
Our model-based fair value for Willis Lease Finance Corporation is $68.21 (as of Sep 27, 2026), built from audited fundamentals. The current price: $45.67.
What is the quality score of WLFC?
Willis Lease Finance Corporation has a Quality Score of 33/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Willis Lease Finance Corporation (WLFC)?
Our model-based price target is the fair value of $68.21 (as of Sep 27, 2026) from 13 valuation models. Cautious scenario $43.54, optimistic scenario $103.78. It is a calculation from audited fundamentals, not an analyst target.
What is the Willis Lease Finance Corporation stock forecast for 2026?
Our models put fair value at $68.21, about +49% upside versus a price of $45.67 (undervalued). Cautious scenario $43.54, optimistic scenario $103.78. The calculation is refreshed regularly with new filings.
What is the revenue of Willis Lease Finance Corporation (WLFC)?
Willis Lease Finance Corporation reported trailing-twelve-month revenue of about $753M (latest available figure, as of Sep 27, 2026).
Does Willis Lease Finance Corporation pay a dividend?
Willis Lease Finance Corporation currently shows a dividend yield of about 0.62% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of Willis Lease Finance Corporation (WLFC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Willis Lease Finance Corporation it is $68.21 per share (as of Sep 27, 2026), against a price of $45.67. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Willis Lease Finance Corporation stock overvalued or undervalued in 2026?
As of Sep 27, 2026, WLFC trades below its calculated fair value: price $45.67, fair value $68.21, a gap of about +49% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WLFC?
No. The price is what the market pays today ($45.67); the fair value is what the company's own numbers justify ($68.21). For Willis Lease Finance Corporation the two are $22.54 per share apart. That gap is exactly why we show both numbers side by side.
How much is Willis Lease Finance Corporation worth?
The market values Willis Lease Finance Corporation at about $1.7B (market capitalisation, as of Sep 27, 2026). Per share that is $45.67; our models calculate a fair value of $68.21 per share.
What do the bullish and bearish scenarios say about WLFC?
Our models span a range for Willis Lease Finance Corporation: cautious scenario $43.54, base $68.21, optimistic $103.78 per share (as of Sep 27, 2026, price $45.67). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WLFC?
Willis Lease Finance Corporation trades at a price-to-earnings ratio of 13.1 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $68.21 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 4.2 (reported for FY2025: 2.8). Other multiples: PEG 0.9.
What is the PEG ratio of WLFC?
The PEG ratio of Willis Lease Finance Corporation is 0.94 (P/E divided by earnings growth, as of Sep 27, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Willis Lease Finance Corporation (WLFC)?
Balance-sheet figures for Willis Lease Finance Corporation (as of Sep 27, 2026): return on equity 17.6%, debt of 3.72 per unit of equity. They feed the Quality Score of 33/100, which measures business quality independently of the share price.
How far is WLFC from its 52-week high?
Willis Lease Finance Corporation trades at $45.67, about 43% below its 52-week high of $79.78 and 20% above the low of $38.12 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $68.21 is for.
Which stocks are comparable to Willis Lease Finance Corporation?
From the same area (Industrials) we also value United Rentals, Inc, Sunbelt Rentals Holdings, AerCap Holdings, U-Haul Holding, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Willis Lease Finance Corporation stock attractive at the current price?
The data as of Sep 27, 2026: price $45.67, calculated fair value $68.21 (+49%), Quality Score 33/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WLFC calculated?
We run Willis Lease Finance Corporation through 13 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $68.21, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Willis Lease Finance Corporation currently trades 33 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Willis Lease Finance Corporation (WLFC)?
The closing price on Oct 2, 2026 was $45.67. Our model-based fair value is $68.21, about +49% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Willis Lease Finance Corporation right now?
The large discount to fair value meets weak quality (33/100). That raises the risk this is a value trap rather than a bargain. A fairly wide model range ($43.54 to $103.78) leaves room in how you read the outcome.
Where does the earnings growth of Willis Lease Finance Corporation (WLFC) come from?
Earnings per share at Willis Lease Finance Corporation grew +29.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +13.9 %, EBIT margin +14.1 %, tax rate +2.2 %, residual (interest, one-offs) −2.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Willis Lease Finance Corporation
How large is the market capitalisation of Willis Lease Finance Corporation (WLFC)?
The market capitalisation of Willis Lease Finance Corporation is $1.7B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Willis Lease Finance Corporation (WLFC)?
The price-to-sales ratio of Willis Lease Finance Corporation is 2.20 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Willis Lease Finance Corporation (WLFC)?
Earnings per share at Willis Lease Finance Corporation are $16.54 (price ÷ EPS = P/E 13.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Willis Lease Finance Corporation (WLFC)?
The dividend yield of Willis Lease Finance Corporation is 0.6% (payout 11.5%, on adjusted earnings, reported 7.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Willis Lease Finance Corporation (WLFC)?
The net margin of Willis Lease Finance Corporation is 16.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Willis Lease Finance Corporation (WLFC)?
The return on equity (ROE) of Willis Lease Finance Corporation is 17.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Willis Lease Finance Corporation (WLFC)?
On an EBIT basis the return on assets of Willis Lease Finance Corporation is 2.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Willis Lease Finance Corporation (WLFC)?
The operating margin of Willis Lease Finance Corporation is 37.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Willis Lease Finance Corporation (WLFC)?
Revenue at Willis Lease Finance Corporation is growing +24.6% versus a year earlier (3y avg +29.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Willis Lease Finance Corporation (WLFC)?
Earnings per share at Willis Lease Finance Corporation are growing +47.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Willis Lease Finance Corporation (WLFC) generate?
The free cash flow of Willis Lease Finance Corporation is −$241M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Willis Lease Finance Corporation (WLFC) carry?
The net debt of Willis Lease Finance Corporation is $2.7B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 27, 2026