Wall Financial Corporation - WFC.TO

WFC.TO Returns vs S&P 500 ⓘ

ticker	1 day return %	1 week return %	1 month return %	3 months return %	6 months return %	1 year return %	3 years return %	5 years return %	10 years return %	maximum return %
WFC.TO	-1.3	-1.3	-3.4	-2.3	-10.6	-3.9	17.5	-37.7	61.4	480
S&P 500	0.5	-1.5	0.6	6.2	11.2	29.7	25.4	88.9	187.4	33293.4

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Returns Charts ⓘ

Interactive Price Chart

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Real-time Full Quote

Attribute	Value
symbol	WFC.TO
name	Wall Financial Corporation
price	18.56
changes percentage	-1.28
change	-0.24
day low	18.56
day high	18.56
year high	28.79
year low	18.06
market cap	596165760
price avg 50	19.27
price avg 200	20.42
exchange	TSX
volume	101
avg volume	1376
open	18.56
previous close	18.80
eps	0.77
pe	24.10
earnings announcement	2024-12-12T10:59:00.000+0000
shares outstanding	32121000
timestamp	2024-11-18 14:30:01

Financial Statements ⓘ

We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.

Overall Annual Financial Health: 17.0%

Overall Quarterly Financial Health: 81.7%

Income Statements ⓘ

• Annual Income Statement

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
revenue	155203174	144352178	7.52
gross profit	71765442	63394271	13.20
gross profit ratio	0.46	0.44	5.29
research and development expenses	0	0.43	-100.00
operating expenses	16972133	18922694	-10.31
interest income	1187575	316106	275.69
interest expense	26952960	13288424	102.83
ebitda	67570621	56370884	19.87
ebitdaratio	0.44	0.41	6.53
operating income	54793309	42166653	29.94
operating income ratio	0.35	0.29	20.86
net income	22233339	48206620	-53.88
net income ratio	0.14	0.33	-57.10
eps	0.69	1.49	-53.69

Overall Score of Annual Income Statement

None

Detailed Analysis

• Quarterly Income Statement

Note: The years below are fiscal years in accounting.

	2024Q2	2024Q1	Q/Q change %
0000000000
revenue	72522565	35837624	102.36
gross profit	24542297	11862276	106.89
gross profit ratio	0.34	0.33	2.24
research and development expenses	0	0	NaN
operating expenses	962637	1006669	-4.37
interest income	0	329586	-100.00
interest expense	7852040	6916078	13.53
ebitda	26667607	14053281	89.76
ebitdaratio	0.37	0.39	-6.23
operating income	23579660	10855610	117.21
operating income ratio	0.33	0.3	7.34
net income	11417472	3357816	240.03
net income ratio	0.16	0.09	68.03
eps	0.35	0.1	250.00

Overall Score of Quarterly Income Statement

0.71 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Revenue Growth: revenue increased to 73 million in 2024Q2 from 36 million in 2024Q1 representing a change of 102.36%. This indicates a sales growth, which is a positive sign for the company.

  Gross Profit: Gross Profit increased to 25 million in 2024Q2 from 12 million in 2024Q1 representing a change of 106.89%. This indicates a sales profitability growth, which is a positive sign for the company.

  EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) increased to 27 million in 2024Q2 from 14 million in 2024Q1 representing a change of 89.76%. The increase in EBITDA indicates improved operational efficiency and profitability.

  Operating Income: Operating income increased to 24 million in 2024Q2 from 11 million in 2024Q1 representing a change of 117.21%. The increase in operating income indicates better operational performance and increased profitability.

  Earnings per Share (EPS): EPS increased to 0.35 in 2024Q2 from 0.35 in 2024Q1 representing a change of 250.0%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.

• 📉 Negative Indicators

  Operating Expenses: Operating Expenses increased to 1 million in 2024Q2 from 1 million in 2024Q1 representing a change of -4.37%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.

  Net Income: Net income decreased to 11 million in 2024Q2 from 3 million in 2024Q1 representing a change of 240.03%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.

Balance Sheets ⓘ

• Annual Balance Sheet

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
total assets	896277758	874728957	2.46
total liabilities	688190390	586701303	17.30
total equity	208087368	288027654	-27.75
cash and cash equivalents	22788744	25412793	-10.33
short term investments	0	2611361	-100.00
long term investments	0	-589750	100.00
total current assets	88894560	75807678	17.26
total non current assets	807383198	798921279	1.06
total current liabilities	343221102	235066203	46.01
total non current liabilities	344969288	351635100	-1.90
common stock	24099401	24099401	0.00
retained earnings	133638092	211408801	-36.79
total debt	633848927	539949894	17.39

Overall Score of Annual Balance Sheet

0.22 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 896 million in 2023 from 875 million in 2022 representing a change of 2.46%. Suggesting a growth in asset holdings.

  Total Current Assets: Total Current Assets increased to 89 million in 2023 from 76 million in 2022 representing a change of 17.26%. This indicates a better liquidity position.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 688 million in 2023 from 587 million in 2022 representing a change of 17.3%. This indicates an increase in overall liabilities.

  Total Equity: Total Equity decreased to 208 million in 2023 from 288 million in 2022 representing a change of -27.75%. This indicates a decrease in shareholders' equity.

  Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 23 million in 2023 from 25 million in 2022 representing a change of -10.33%. This indicates a decrease in available liquid assets.

  Short Term Investments: Short Term Investments decreased to 0 million in 2023 from 3 million in 2022 representing a change of -100.0%. This indicates a decrease in short-term investment holdings.

  Total Current Liabilities: Total Current Liabilities increased to 343 million in 2023 from 235 million in 2022 representing a change of 46.01%. This indicates a higher short-term debt burden.

  Retained Earnings: Retained Earnings decreased to 134 million in 2023 from 211 million in 2022 representing a change of -36.79%. This indicates an accumulated losses.

  Total Debt: Total Debt increased to 634 million in 2023 from 540 million in 2022 representing a change of 17.39%. This indicates an increase in overall debt burden.

• Quarterly Balance Sheet

Note: The years below are fiscal years in accounting.

	2024Q2	2024Q1	Q/Q change %
0000000000
total assets	921844116	920578682	0.14
total liabilities	701588879	710012792	-1.19
total equity	220255237	210565890	4.60
cash and cash equivalents	20600727	16132300	27.70
short term investments	0	0	NaN
long term investments	0	0	NaN
total current assets	72700161	85474625	-14.95
total non current assets	849143955	835104057	1.68
total current liabilities	361036427	368750306	-2.09
total non current liabilities	340552452	341262486	-0.21
common stock	24099401	24099401	0.00
retained earnings	144957320	135992980	6.59
total debt	660626682	668777515	-1.22

Overall Score of Quarterly Balance Sheet

0.88 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 922 million in 2024Q2 from 921 million in 2024Q1 representing a change of 0.14%. Suggesting a growth in asset holdings.

  Total Liabilities: Total Liabilities decreased to 702 million in 2024Q2 from 710 million in 2024Q1 representing a change of -1.19%. This indicates a decrease in overall liabilities.

  Total Equity: Total Equity increased to 220 million in 2024Q2 from 211 million in 2024Q1 representing a change of 4.6%. This indicates an increase in shareholders' equity.

  Cash And Cash Equivalents: Cash And Cash Equivalents increased to 21 million in 2024Q2 from 16 million in 2024Q1 representing a change of 27.7%. This indicates an increase in available liquid assets.

  Total Current Liabilities: Total Current Liabilities decreased to 361 million in 2024Q2 from 369 million in 2024Q1 representing a change of -2.09%. This indicates a lower short-term debt burden.

  Retained Earnings: Retained Earnings increased to 145 million in 2024Q2 from 136 million in 2024Q1 representing a change of 6.59%. This indicates an accumulated profits.

  Total Debt: Total Debt decreased to 661 million in 2024Q2 from 669 million in 2024Q1 representing a change of -1.22%. This indicates a reduction in overall debt burden.

• 📉 Negative Indicators

  Total Current Assets: Total Current Assets decreased to 73 million in 2024Q2 from 85 million in 2024Q1 representing a change of -14.95%. This indicates a worsen liquidity position.

Cashflow Statements ⓘ

• Annual Cashflow Statement

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
net change in cash	-2624049	5298976	-149.52
operating cash flow	14222003	44739271	-68.21
free cash flow	10784753	42601561	-74.68
capital expenditure	-3437250	-2137710	-60.79
depreciation and amortization	12777312	14204231	-10.05
deferred income tax	8861867	12621982	-29.79
stock based compensation	0	0	NaN
accounts payables	8189355	-3280081	349.67
inventory	-23700	-91389	74.07
acquisitions net	0	-74476	100.00
investments in property plant and equipment	-3437250	-2137710	-60.79
net cash used for investing activites	-13090986	5298849	-347.05
debt repayment	93508497	-28888461	423.69
common stock issued	0	0	NaN
common stock repurchased	-2643953	0	NaN
dividends paid	-97360095	0	NaN
net cash used provided by financing activities	-3755066	-44739144	91.61
cash at end of period	22788744	25412793	-10.33
accounts receivables	-1702735	3356228	-150.73
cash at beginning of period	25412793	20113817	26.34

Overall Score of Annual Cashflow Statement

0.29 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Net Change in Cash: Net Change in Cash decreased to -3 million in 2023 from 5 million in 2022 representing a change of -149.52%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.

  Operating Cash Flow: Operating Cash Flow decreased to 14 million in 2023 from 45 million in 2022 representing a change of -68.21%. This indicates that the company generated less cash from its core business operations.

  Free Cash Flow: Free Cash Flow decreased to 11 million in 2023 from 43 million in 2022 representing a change of -74.68%. This indicates a decrease in cash generated after accounting for capital expenditures.

  Accounts Payables: The absolute value of Accounts Payables increased to 8 million in 2023 from 3 million in 2022 representing a change of 349.67%. This indicates that the company has increased its outstanding obligations to its suppliers.

  Dividends Paid: Dividends Paid decreased to -97 million in 2023 from 0 million in 2022 representing a change of nan%. This indicates a weaker financial position, less confidence in future prospects, and a reluctance to return value to shareholders.

• 📈 Positive Indicators

  Capital Expenditure: Capital Expenditure decreased to -3 million in 2023 from -2 million in 2022 representing a change of -60.79%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.

  Accounts Receivables: Accounts Receivables decreased to -2 million in 2023 from 3 million in 2022 representing a change of -150.73%. This suggests that the company has been able to collect payments from its customers more efficiently and timely.

• Quarterly Cashflow Statement

Note: The years below are fiscal years in accounting.

	2024Q2	2024Q1	Q/Q change %
0000000000
operating cash flow	30408543	-34617260	187.84
free cash flow	29601072	-34881700	184.86
capital expenditure	-807471	-264440	-205.35
depreciation and amortization	3087947	3197674	-3.43
deferred income tax	4262251	-2096677	303.29
stock based compensation	0	0	NaN
accounts receivables	-1449674	1842132	-178.70
accounts payables	-1096586	-1291251	15.08
inventory	-2065	-36707	94.37
acquisitions net	0	488611	-100.00
investments in property plant and equipment	-807471	-264440	-205.35
net cash used for investing activites	-17167038	-5804941	-195.73
debt repayment	-6864677	34768685	-119.74
common stock issued	0	0	NaN
common stock repurchased	-2453131	-1002928	-144.60
dividends paid	0	0	NaN
net cash used provided by financing activities	-9434508	33765757	-127.94
net change in cash	4468427	-6656444	167.13
cash at end of period	20600727	16132300	27.70
cash at beginning of period	16132300	22788744	-29.21

Overall Score of Quarterly Cashflow Statement

0.86 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Net Change in Cash: Net Change in Cash increased to 4 million in 2024Q2 from -7 million in 2024Q1 representing a change of 167.13%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.

  Operating Cash Flow: Operating Cash Flow increased to 30 million in 2024Q2 from -35 million in 2024Q1 representing a change of 187.84%. This indicates that the company generated more cash from its core business operations.

  Free Cash Flow: Free Cash Flow increased to 30 million in 2024Q2 from -35 million in 2024Q1 representing a change of 184.86%. This indicates an increase in cash generated after accounting for capital expenditures.

  Capital Expenditure: Capital Expenditure decreased to -1 million in 2024Q2 from 0 million in 2024Q1 representing a change of -205.35%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.

  Accounts Payables: The absolute value of Accounts Payables decreased to 1 million in 2024Q2 from 1 million in 2024Q1 representing a change of 15.08%. This indicates that the company has reduced its outstanding obligations to its suppliers.

  Accounts Receivables: Accounts Receivables decreased to -1 million in 2024Q2 from 2 million in 2024Q1 representing a change of -178.7%. This suggests that the company has been able to collect payments from its customers more efficiently and timely.

• 📉 Negative Indicators

  Deferred Income Tax: Deferred Income Tax increased to 4 million in 2024Q2 from -2 million in 2024Q1 representing a change of 303.29%. This indicates that the company's tax liability for future periods has increased.

Earnings Transcripts ⓘ

No earnings transcripts available.

Earnings Per Share (EPS) ⓘ

Analyst Stock Recommendations ⓘ

Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.

Financial Ratios ⓘ

• Annual Financial Ratios

	2024-01-31	2023-01-31	Y/Y change %
FY
calendar year	2023	2022	NaN
revenue per share	4.79	4.45	7.68
net income per share	0.69	1.49	-53.81
operating cash flow per share	0.44	1.38	-68.16
free cash flow per share	0.33	1.31	-74.65
cash per share	0.7	0.86	-18.56
book value per share	6.42	8.88	-27.64
tangible book value per share	6.42	8.86	-27.50
shareholders equity per share	4.88	7.27	-32.87
interest debt per share	20.39	17.05	19.62
market cap	848667595.59	494913801	71.48
enterprise value	1459727778.59	1009450902	44.61
pe ratio	38.17	10.27	271.80
price to sales ratio	5.47	3.43	59.49
pocfratio	59.67	11.06	439.43
pfcf ratio	78.69	11.62	577.37
pb ratio	5.37	2.1	155.83
ptb ratio	5.37	2.1	155.83
ev to sales	9.41	6.99	34.50
enterprise value over ebitda	21.6	17.91	20.64
ev to operating cash flow	102.64	22.56	354.90
ev to free cash flow	135.35	23.7	471.22
earnings yield	0.03	0.1	-73.10
free cash flow yield	0.01	0.09	-85.24
debt to equity	4.01	2.29	75.13
debt to assets	0.71	0.62	14.57
net debt to ebitda	9.04	9.13	-0.92
current ratio	0.26	0.32	-19.69
interest coverage	2.03	3.17	-35.93
income quality	0.7	0.91	-22.55
dividend yield	0.11	0	NaN
payout ratio	4.38	0	NaN
sales general and administrative to revenue	0.03	0.03	-17.31
research and ddevelopement to revenue	0	0.0	-100.00
intangibles to total assets	0	0.0	-100.00
capex to operating cash flow	0.24	0.05	405.81
capex to revenue	0.02	0.01	49.55
capex to depreciation	0.27	0.15	78.75
stock based compensation to revenue	0	0	NaN
graham number	8.68	15.59	-44.31
roic	0.05	0.04	11.19
return on tangible assets	0.02	0.06	-55.02
graham net net	-19.47	-16.38	-18.91
working capital	-254326542	-159258525	-59.69
tangible asset value	208087368	287437904	-27.61
net current asset value	-599295830	-510893625	-17.30
invested capital	-147316587	-49707303	-196.37
average receivables	12057190	16121014	-25.21
average payables	23666269	20517498.5	15.35
average inventory	43443463.5	37399897.5	16.16
days sales outstanding	25.69	33.35	-22.96
days payables outstanding	121.44	88.24	37.63
days of inventory on hand	228.82	155.9	46.78
receivables turnover	14.21	10.94	29.80
payables turnover	3.01	4.14	-27.34
inventory turnover	1.6	2.34	-31.87
roe	0.14	0.2	-31.19
capex per share	0.11	0.07	61.03

• ROE:

• Positive

  PE Ratio: Price-to-Earnings (P/E) Ratio increased to 38.17 on 2024-01-31 from 10.27 on 2023-01-31, representing a change of 271.80%. Indicating an increase in the relative valuation of the company's stock.

• Negative

  Current Ratio: Current Ratio decreased to 0.26 on 2024-01-31 from 0.32 on 2023-01-31, representing a change of -19.69%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Also, it's below 1, indicating potential liquidity issues.

  Debt-to-Equity Ratio: Debt-to-Equity Ratio increased to 4.01 on 2024-01-31 from 2.29 on 2023-01-31, representing a change of 75.13%. The debt-to-equity ratio has been increasing, indicating that the company has been relying more on debt financing. A ratio of 2.0 or higher is usually considered risky.

• Quarterly Financial Ratios

	2024-07-31 Q2	2024-04-30 Q1	Q/Q change %
WFC.TO
calendar year	2024	2024	NaN
revenue per share	2.25	1.11	102.79
net income per share	0.35	0.1	240.74
operating cash flow per share	0.94	-1.07	188.03
free cash flow per share	0.92	-1.08	185.04
cash per share	0.64	0.5	27.97
book value per share	6.83	6.52	4.82
tangible book value per share	6.83	6.52	4.82
shareholders equity per share	5.26	4.97	5.81
interest debt per share	20.74	20.92	-0.86
market cap	631518383.07	646409763.36	-2.30
enterprise value	1271544338.07	1299054978.36	-2.12
pe ratio	13.83	48.13	-71.27
price to sales ratio	8.71	18.04	-51.72
pocfratio	20.77	-18.67	211.22
pfcf ratio	21.33	-18.53	215.12
pb ratio	3.73	4.03	-7.47
ptb ratio	3.73	4.03	-7.47
ev to sales	17.53	36.25	-51.63
enterprise value over ebitda	47.68	92.44	-48.42
ev to operating cash flow	41.82	-37.53	211.43
ev to free cash flow	42.96	-37.24	215.34
earnings yield	0.02	0.01	248.04
free cash flow yield	0.05	-0.05	186.86
debt to equity	3.9	4.17	-6.45
debt to assets	0.72	0.73	-1.35
net debt to ebitda	24.0	46.44	-48.32
current ratio	0.2	0.23	-13.13
interest coverage	3.0	1.57	91.32
income quality	2.66	-10.31	125.83
dividend yield	0	0	NaN
payout ratio	0	0	NaN
sales general and administrative to revenue	0.01	0.03	-52.75
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0	0	NaN
capex to operating cash flow	0.03	-0.01	447.61
capex to revenue	0.01	0.01	50.89
capex to depreciation	0.26	0.08	216.20
stock based compensation to revenue	0	0	NaN
graham number	6.47	3.41	89.88
roic	0.02	0.01	127.13
return on tangible assets	0.01	0.0	239.56
graham net net	-20.32	-20.41	0.48
working capital	-288336266	-283275681	-1.79
tangible asset value	220255237	210565890	4.60
net current asset value	-628888718	-624538167	-0.70
invested capital	-182953372	-177352802	-3.16
average receivables	9868691.5	9969724	-1.01
average payables	25921402.5	27115320.5	-4.40
average inventory	45757110.5	53867015	-15.06
days sales outstanding	13.31	22.64	-41.22
days payables outstanding	47.59	99.36	-52.10
days of inventory on hand	67.69	208.06	-67.46
receivables turnover	6.76	3.98	70.12
payables turnover	1.89	0.91	108.77
inventory turnover	1.33	0.43	207.36
roe	0.07	0.02	222.04
capex per share	0.03	0.01	205.99

• ROE:

• Negative

  PE Ratio: Price-to-Earnings (P/E) Ratio decreased to 13.83 on 2024-07-31 Q2 from 48.13 on 2024-04-30 Q1, representing a change of -71.27%. Indicating a decrease in the relative valuation of the company's stock.

  Current Ratio: Current Ratio decreased to 0.20 on 2024-07-31 Q2 from 0.23 on 2024-04-30 Q1, representing a change of -13.13%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Also, it's below 1, indicating potential liquidity issues.

  Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 3.90 on 2024-07-31 Q2 from 4.17 on 2024-04-30 Q1, representing a change of -6.45%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. However, a ratio of 2.0 or higher is usually considered risky.

Growth Rates ⓘ

• Annual Growth

• Quarterly Growth

Intrinsic Value (Discounted Cash Flow) ⓘ

Negative Sentiment: Discounted Cash Flow value is -3.12 which is lower than current price 18.56, indicates the company may be overvalued.