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Willis Lease FinanceWLFC +0.13%93 Debt-to-EBITDA is 5.99 as of Jun. 2026, which is 15% below its 10-year median of 7.03. GuruFocus rates WLFC with a GF Score™ of 93/100 and a GF Value™ of $55.15 (Fairly Valued). The stock has 5 warning signs investors should review. Among 835 Business Services companies, Willis Lease Finance ranks worse than 87.43% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Willis Lease Finance's Debt-to-EBITDA or its related term are showing as below:
WLFC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 5.17 Med: 7.03 Max: 11.21
Current: 6.06
During the past 13 years, the highest Debt-to-EBITDA Ratio of Willis Lease Finance was 11.21. The lowest was 5.17. And the median was 7.03.
WLFC's Debt-to-EBITDA is ranked worse than 87.43% of 835
companies
in the Business Services industry
Industry Median: 1.67
vs WLFC: 6.06
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Willis Lease Finance Debt-to-EBITDA Related Terms
Willis Lease Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Willis Lease Finance's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
WLFC vs PRG, LIME, VSTS: Debt-to-EBITDA Comparison
For the Rental & Leasing Services subindustry, Willis Lease Finance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Willis Lease Finance Debt-to-EBITDA vs Business Services Industry
For the Business Services industry and Industrials sector, Willis Lease Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Willis Lease Finance's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Willis Lease Finance (WLFC) has a Debt-to-EBITDA of 5.99 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Willis Lease Finance. This is 15% below median its historical median of 7.03. Over the past decade, Willis Lease Finance's Debt-to-EBITDA has ranged from 5.17 to 11.21. According to the industry distribution chart, Willis Lease Finance ranks #730 out of 835 companies in the Business Services industry, placing it in the top 87.4%.
Is Willis Lease Finance's Debt-to-EBITDA too high?
Willis Lease Finance's current Debt-to-EBITDA of 5.99 is 15% below median its 10-year median of 7.03. Over the past 10 years, this metric has ranged from a low of 5.17 to a high of 11.21. The Business Services industry median Debt-to-EBITDA is 1.67. Willis Lease Finance's value of 5.99 is 258.7% above this industry median. Based on the distribution chart, Willis Lease Finance ranks #730 out of 835 companies in the Business Services industry, which is in the bottom quartile relative to peers. Overall, Willis Lease Finance has a GF Score™ of 93/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Willis Lease Finance's Debt-to-EBITDA compare to PRG and LIME?
According to the Business Services industry distribution chart, Willis Lease Finance ranks #730 out of 835 companies for Debt-to-EBITDA. This places Willis Lease Finance in the lower half of its industry. The industry median Debt-to-EBITDA is 1.67. Willis Lease Finance's value of 5.99 is 258.7% above this benchmark. Historically, Willis Lease Finance's own Debt-to-EBITDA has ranged from 5.17 to 11.21 over the past decade. While the company's 10-year median is 7.03 vs. the industry median of 1.67, Willis Lease Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Business Services company?
The median Debt-to-EBITDA among Business Services companies is 1.67, based on 835 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Willis Lease Finance's current Debt-to-EBITDA of 5.99 is 258.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Willis Lease Finance. For the Business Services industry, the median Debt-to-EBITDA is 1.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Willis Lease Finance's current Debt-to-EBITDA is 5.99, which is 15% below median its own 10-year median of 7.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Willis Lease Finance stock overvalued right now?
Based on GuruFocus' analysis, Willis Lease Finance (WLFC) is currently considered Fairly Valued. The stock's GF Value™ is $55.15, compared to a current price of $54.69 — trading 0.8% below its estimated fair value. The current Debt-to-EBITDA is 5.99, which is 15% below median its 10-year median of 7.03 and 258.7% above the Business Services industry median of 1.67. Willis Lease Finance's overall GF Score™ is 93/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Willis Lease Finance (WLFC), the current Debt-to-EBITDA is 5.99 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Willis Lease Finance (WLFC) Overvalued in 2026?
Based on GuruFocus' analysis, Willis Lease Finance stock appears to be undervalued.
The current stock price of $54.69 is trading 0.8% below its estimated GF Value™ of $55.15.
GuruFocus considers Willis Lease Finance to be Fairly Valued.
Key valuation signals for WLFC:
Debt-to-EBITDA: 5.99 (15% below median its 10-year median of 7.03)
GF Value™: $55.15 vs. price of $54.69 (0.8% below fair value)
Industry Position: 258.7% above the Business Services median (#730 of 835)
No single metric tells the full story. See the WLFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Willis Lease Finance Corp, with its subsidiaries, is a lessor and servicer of commercial aircraft and aircraft engines. The company has two reportable business segments, which include Leasing and Related Operations and Spare Parts Sales. A majority of its revenue is generated from the Leasing and Related Operations segment, which involves acquiring and leasing, under operating leases, commercial aircraft, aircraft engines, and other aircraft equipment and the selective purchase and resale of commercial aircraft engines, aircraft equipment, and other related businesses. Geographically, the company derives maximum Lease rent revenue from the United States, followed by Europe, Asia-Pacific (excluding India), India, South America, Canada, Central America, and the Middle East.
93GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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