Wall Financial (WFC) AI Stock Analysis

• Market Cap: C$543.29M
• Dividend Yield: N/A
• Average Volume (3M): 919.00
• Price to Earnings (P/E): 16.5
• Beta (1Y): 0.64
• Revenue Growth: -4.02%
• EPS Growth: 34.29%
• Country: CA
• Employees: 489
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Real Estate - Development
• EPS (TTM): 0.37
• Shares Outstanding: 31,939,365
• 10 Day Avg. Volume: 668
• 30 Day Avg. Volume: 919
• PEG Ratio: 0.67
• Price to Book (P/B): 2.34
• Price to Sales (P/S): 2.07
• P/FCF Ratio: 14.70
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: C$18.50 ▲(15.63% Upside)
• Action: Downgraded Date: 12/19/25
• Date: Action: Downgraded 12/19/25

Wall Financial's overall stock score is driven by its solid profitability and reasonable valuation. However, challenges in revenue growth and high leverage pose risks. The technical analysis indicates a short-term bullish trend, but caution is advised due to the stochastic indicator nearing overbought levels. The absence of a dividend yield and lack of earnings call data limit further insights.

Positive Factors

High profitability margins

Wall Financial's TTM gross margin (43.32%) and net margin (17.83%) indicate durable operating efficiency across development and rental operations. Strong margins create a structural profit cushion, support reinvestment into projects, and help absorb cyclical cost pressures over a multi-month horizon.

Strong return on equity

A ROE of 17.19% demonstrates management's ability to generate solid returns on shareholder capital through project selection and asset management. High ROE supports organic growth and value creation without immediate equity dilution, benefiting long-term shareholders if maintained.

High FCF conversion

A free cash flow to net income ratio near 0.95 shows nearly all reported earnings convert to usable cash. This structural cash conversion supports funding development, capex and debt service internally, improving flexibility for project timing and capital allocation over several months.

Negative Factors

Declining revenue

Negative revenue growth (-4.02% TTM) signals weakening top-line momentum for a business reliant on rental income and development sales. Persistent revenue contraction reduces scale benefits, pressures margins and internal funding capacity, and makes servicing high leverage more challenging across the medium term.

High leverage

A debt-to-equity ratio of 3.19 reflects heavy reliance on debt financing. Elevated leverage raises refinancing and interest-rate vulnerability, limits strategic flexibility, and increases the risk that cyclical downturns or slower project sales will strain coverage and liquidity over the coming months.

Deteriorating cash flow trends

An 18.22% decline in free cash flow growth and a low operating cash flow to net income ratio (0.15) indicate weakening near-term cash generation. Even with high FCF-to-net-income conversion, worsening trends reduce internal funding for developments, increase external financing needs, and heighten refinancing risk.

Wall Financial Business Overview & Revenue Model

Company Description

Wall Financial Corporation (WFC) is a diversified real estate company based in Canada, primarily engaged in the development, investment, and management of residential and commercial properties. Operating in sectors such as real estate development, property management, and investment, WFC focuses on creating sustainable and innovative living spaces while enhancing community values. The company’s core products and services include residential apartment complexes, commercial office spaces, and mixed-use developments, aimed at meeting the diverse needs of urban populations.

How the Company Makes Money

Wall Financial generates revenue through multiple channels, including rental income from its residential and commercial properties, sales of developed properties, and management fees from its real estate services. The company earns significant revenue from leasing its residential units to tenants, as well as from long-term leases with businesses in its commercial spaces. Additionally, WFC engages in property development projects, selling completed units and spaces in the real estate market, which contributes to its earnings. Partnerships with construction firms, local governments, and real estate agents also enhance WFC’s market reach and operational efficiency, allowing the company to capitalize on favorable market conditions and demand for quality housing and commercial facilities.

Wall Financial Financial Statement Overview

Summary

Wall Financial demonstrates solid profitability with strong margins, but faces challenges in revenue growth and high leverage. The balance sheet's high debt levels could pose risks, especially if revenue continues to decline. Cash flow generation is adequate, but the recent decline in free cash flow growth is a concern. Overall, the company needs to address its revenue growth and manage its leverage to ensure long-term financial stability.

Income Statement

Wall Financial's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) gross profit margin is strong at 43.32%, indicating efficient cost management. However, the revenue growth rate has declined by 2.41%, suggesting challenges in expanding sales. The net profit margin improved to 17.83% in the TTM, reflecting better profitability. Overall, while profitability metrics are solid, the negative revenue growth is a concern.

Balance Sheet

The balance sheet reveals high leverage with a debt-to-equity ratio of 3.19 in the TTM, which poses a risk in terms of financial stability. The return on equity is decent at 17.19%, indicating effective use of equity to generate profits. However, the equity ratio is relatively low, suggesting a reliance on debt financing. The high leverage could be a potential risk if not managed properly.

Cash Flow

Cash flow analysis shows a decline in free cash flow growth by 18.22% in the TTM, which could impact future investments. The operating cash flow to net income ratio is low at 0.15, indicating limited cash generation relative to net income. However, the free cash flow to net income ratio is strong at 0.95, suggesting that the company is still generating substantial free cash flow relative to its net income.

Breakdown	TTM	Apr 2025	Jan 2024	Jan 2023	Jan 2022	Jan 2021
Income Statement
Total Revenue	186.69M	205.28M	155.20M	144.35M	241.05M	191.56M
Gross Profit	78.03M	82.19M	71.77M	63.39M	59.17M	40.59M
EBITDA	81.52M	78.70M	68.82M	56.37M	48.86M	32.55M
Net Income	33.29M	27.41M	22.23M	48.21M	14.61M	544.29K
Balance Sheet
Total Assets	973.16M	927.38M	896.28M	874.73M	874.06M	973.49M
Cash, Cash Equivalents and Short-Term Investments	13.06M	10.81M	22.79M	25.41M	20.11M	17.96M
Total Debt	666.56M	638.52M	633.85M	539.95M	567.99M	606.33M
Total Liabilities	712.20M	696.28M	688.19M	586.70M	626.60M	694.79M
Stockholders Equity	209.28M	180.91M	158.11M	235.88M	185.08M	192.70M
Cash Flow
Free Cash Flow	41.73M	28.83M	10.78M	42.60M	140.52M	3.54M
Operating Cash Flow	43.04M	30.54M	14.22M	44.74M	141.64M	4.07M
Investing Cash Flow	-67.69M	-44.36M	-13.09M	5.30M	-56.86M	-10.24M
Financing Cash Flow	24.66M	1.84M	-3.76M	-44.74M	-82.63M	-32.11M

Wall Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:WFC, the sentiment is Positive. The current price of 16 is below the 20-day moving average (MA) of 16.33, above the 50-day MA of 15.58, and above the 200-day MA of 14.90, indicating a bullish trend. The MACD of 0.67 indicates Negative momentum. The RSI at 56.56 is Neutral, neither overbought nor oversold. The STOCH value of 28.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:WFC.

Wall Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MRD	75 Outperform	C$514.86M	8.92	4.72%	3.14%	29.55%	425.60%
HMT	69 Neutral	C$136.17M	7.50	8.49%	―	70.08%	-20.96%
WFC	66 Neutral	C$543.29M	16.52	17.19%	―	-4.02%	34.29%
GDC	65 Neutral	C$191.98M	5.70	12.71%	―	7.07%	-3.06%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
DRM	58 Neutral	C$906.06M	-50.09	5.70%	3.50%	-17.89%	―
KDSX	43 Neutral	C$28.16M	-5.13	-103.14%	―	―	-156.02%

Wall Financial Corporate Events

Wall Financial Declares $1.00 Per Share Dividend

Wall Financial Corporation, a Vancouver-based real estate developer and property manager with interests spanning residential rentals, commercial units and hotel properties, continues to operate as a diversified player in the Canadian property market with a focus on both income-generating assets and housing development.

The company has declared a cash dividend of $1.00 per common share, payable in early March to shareholders of record as of February 23, 2026, and designated the payout as an eligible dividend for Canadian tax purposes, underscoring its ongoing commitment to returning capital to investors and signaling confidence in its financial position and cash flow outlook.

The most recent analyst rating on (TSE:WFC) stock is a Hold with a C$17.50 price target. To see the full list of analyst forecasts on Wall Financial stock, see the TSE:WFC Stock Forecast page.

Wall Financial Corporation Reports Increased Q3 2026 Earnings

Wall Financial Corporation announced its Q3 2026 fiscal results, reporting net earnings of $30.27 million, or $0.94 per share, an increase from the previous period. The company saw increased earnings from rental apartment operations and hotels due to cost recoveries and higher occupancy rates, while development operations faced a decline due to fewer unit sales.

The most recent analyst rating on (TSE:WFC) stock is a Buy with a C$17.50 price target. To see the full list of analyst forecasts on Wall Financial stock, see the TSE:WFC Stock Forecast page.