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Willis Lease FinanceFRA:WIJ +1.75%89 Piotroski F-Score is 5 as of Jul. 25, 2026, which is 17% below its 10-year median of 6.00. GuruFocus rates FRA:WIJ with a GF Score™ of 89/100 and a GF Value™ of €40.82 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 1,064 Business Services companies, Willis Lease Finance ranks better than 50.75% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Willis Lease Finance has an F-score of 4 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Willis Lease Finance's Piotroski F-Score or its related term are showing as below:
FRA:WIJ'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 6 Max: 8
Current: 5
During the past 13 years, the highest Piotroski F-Score of Willis Lease Finance was 8. The lowest was 2. And the median was 6.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Willis Lease Finance Piotroski F-Score Related Terms
Willis Lease Finance Piotroski F-Score Historical Data
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The historical data trend for Willis Lease Finance's Piotroski F-Score 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.
FRA:WIJ vs PRG, VSTS, CTOS: Piotroski F-Score Comparison
For the Rental & Leasing Services subindustry, Willis Lease Finance's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Business Services Industry
For the Business Services industry and Industrials sector, Willis Lease Finance's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Willis Lease Finance's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Willis Lease Finance's current Net Income (TTM) was 105.2.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Willis Lease Finance's return on assets of this year was 0.03472293. Willis Lease Finance's return on assets of last year was 0.03941833.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Willis Lease Finance's gearing of this year was 0.61847976. Willis Lease Finance's gearing of last year was 0.73226137.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
Willis Lease Finance's current ratio of this year was 3.75438328. Willis Lease Finance's current ratio of last year was 4.82774042.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Willis Lease Finance's number of shares in issue this year was 21.756. Willis Lease Finance's number of shares in issue last year was 21.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
Willis Lease Finance's gross margin of this year was 0.68766668. Willis Lease Finance's gross margin of last year was 0.74573551.
==> Last year's gross margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Willis Lease Finance's asset turnover of this year was 0.21762898. Willis Lease Finance's asset turnover of last year was 0.22920498.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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4
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Willis Lease Finance has an F-score of 4 indicating the company's financial situation is typical for a stable company.
Willis Lease Finance (FRA:WIJ) has a Piotroski F-Score of 5 as of Jul. 25, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Willis Lease Finance and its competitors. This is 17% below median its historical median of 6.00. Over the past decade, Willis Lease Finance's Piotroski F-Score has ranged from 2.00 to 8.00. According to the industry distribution chart, Willis Lease Finance ranks #524 out of 1064 companies in the Business Services industry, placing it in the top 49.2%.
Is Willis Lease Finance's Piotroski F-Score too high?
Willis Lease Finance's current Piotroski F-Score of 5 is 17% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 8.00. The Business Services industry median Piotroski F-Score is 5.00. Willis Lease Finance's value of 5 is 0% at this industry median. Based on the distribution chart, Willis Lease Finance ranks #524 out of 1064 companies in the Business Services industry, which is above the industry midpoint. Overall, Willis Lease Finance has a GF Score™ of 89/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Willis Lease Finance's Piotroski F-Score compare to PRG and VSTS?
According to the Business Services industry distribution chart, Willis Lease Finance ranks #524 out of 1064 companies for Piotroski F-Score. This puts Willis Lease Finance in the upper half of its industry. The industry median Piotroski F-Score is 5.00. Willis Lease Finance's value of 5 is 0% at this benchmark. Historically, Willis Lease Finance's own Piotroski F-Score has ranged from 2.00 to 8.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 5.00, Willis Lease Finance has consistently been at 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 Piotroski F-Score for a Business Services company?
The median Piotroski F-Score among Business Services companies is 5.00, based on 1,064 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Willis Lease Finance's current Piotroski F-Score of 5 is 0% at 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Willis Lease Finance and its competitors. For the Business Services industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Willis Lease Finance's current Piotroski F-Score is 5, which is 17% below median its own 10-year median of 6.00. 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 (FRA:WIJ) is currently considered Significantly Overvalued. The stock's GF Value™ is €40.82, compared to a current price of €58.00 — trading 42.1% above its estimated fair value. The current Piotroski F-Score is 5, which is 17% below median its 10-year median of 6.00 and 0% at the Business Services industry median of 5.00. Willis Lease Finance's overall GF Score™ is 89/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Willis Lease Finance (FRA:WIJ), the current Piotroski F-Score is 5 as of Jul. 25, 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 (FRA:WIJ) Overvalued in 2026?
Based on GuruFocus' analysis, Willis Lease Finance stock appears to be overvalued.
The current stock price of €58.00 is trading 42.1% above its estimated GF Value™ of €40.82.
GuruFocus considers Willis Lease Finance to be Significantly Overvalued.
Key valuation signals for FRA:WIJ:
Piotroski F-Score: 5 (17% below median its 10-year median of 6.00)
GF Value™: €40.82 vs. price of €58.00 (42.1% above fair value)
Industry Position: 0% at the Business Services median (#524 of 1064)
No single metric tells the full story. See the FRA:WIJ 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.
89GF Score
Get the complete analysis for FRA:WIJ
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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