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Wintrust Financial (WTFC) Financials

Wintrust Financial logo
$122.02 -0.03 (-0.02%)
As of 05/20/2025 04:00 PM Eastern
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Annual Income Statements for Wintrust Financial

Annual Income Statements for Wintrust Financial

This table shows Wintrust Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Income / (Loss) Attributable to Common Shareholders		 667 595 482 438 272 347 - - - 146
Consolidated Net Income / (Loss)		 695 623 510 466 293 356 - - - 157
Net Income / (Loss) Continuing Operations		 695 623 510 466 -1,026 381 - - - 157
Total Pre-Tax Income 		947 845 701 638 -929 480 - - - 252
Total Revenue		 2,451 2,272 1,956 1,711 288 1,487 - - - 913
Net Interest Income / (Expense)		 1,963 1,838 1,495 1,125 1,040 1,055 - - - 642
Total Interest Income		 3,478 2,893 1,747 1,275 1,293 1,385 - - - 718
Loans and Leases Interest Income		 3,086 2,574 1,538 1,173 6.89 1,247 - - - 656
Investment Securities Interest Income		 276 239 161 95 100 108 - - - 61
Deposits and Money Market Investments Interest Income		 115 79 43 6.61 8.55 30 - - - 1.49
Federal Funds Sold and Securities Borrowed Interest Income		 0.37 1.81 4.90 0.17 0.10 0.70 - - - 0.00
Trading Account Interest Income		 0.05 0.04 0.02 0.01 - 0.04 - - - 0.11
Total Interest Expense		 1,515 1,055 252 151 253 330 - - - 77
Deposits Interest Expense		 1,344 906 175 88 189 279 - - - 49
Long-Term Debt Interest Expense		 171 149 77 62 51 51 - - - 28
Total Non-Interest Income		 488 434 461 586 413 407 - - - 272
Trust Fees by Commissions		 146 131 127 124 - - - - - 73
Service Charges on Deposit Accounts		 66 55 59 54 - - - - - -
Other Service Charges		 127 109 82 82 414 221 - - - 195
Net Realized & Unrealized Capital Gains on Investments		 -2.10 2.67 -17 -0.81 -1.00 3.37 - - - 0.08
Other Non-Interest Income		 152 136 211 327 - 209 - - - 2.73
Provision for Credit Losses		 101 114 79 -59 214 54 - - - 33
Total Non-Interest Expense		 1,403 1,312 1,177 1,133 1,040 928 - - - 628
Salaries and Employee Benefits		 817 748 696 692 626 546 - - - 382
Net Occupancy & Equipment Expense		 284 263 236 230 169 144 - - - 109
Marketing Expense		 62 65 59 47 36 49 - - - 22
Property & Liability Insurance Claims		 46 71 29 27 25 9.20 - - - 12
Other Operating Expenses		 182 160 151 129 136 132 - - - 97
Amortization Expense		 12 5.50 6.12 7.73 11 12 - - - 4.62
Income Tax Expense		 252 222 191 172 97 124 - - - 95
Preferred Stock Dividends Declared		 28 28 28 28 21 8.20 - - - 11
Basic Earnings per Share		 $10.47 $9.72 $8.14 $7.69 $4.72 $6.11 - - - $3.05
Weighted Average Basic Shares Outstanding		 63.69M 61.15M 59.21M 56.99M 57.52M 56.86M 56.30M 54.70M 50.28M 47.84M
Diluted Earnings per Share		 $10.31 $9.58 $8.02 $7.58 $4.68 $6.03 - - - $2.93
Weighted Average Diluted Shares Outstanding		 64.70M 62.09M 60.09M 57.79M 58.02M 57.62M 56.30M 54.70M 50.28M 51.94M
Weighted Average Basic & Diluted Shares Outstanding		 66.71M 61.47M 61.02M 57.24M 57.52M 56.86M 56.30M 54.70M 50.28M 47.80M
Cash Dividends to Common per Share		 $1.80 $1.60 $1.36 $1.24 $1.12 $1.00 $0.76 $0.56 $0.48 $0.44

Quarterly Income Statements for Wintrust Financial

This table shows Wintrust Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 182 178 163 145 180 116 157 148 173 138 136
Consolidated Net Income / (Loss)		 189 185 170 152 187 123 164 155 180 145 143
Net Income / (Loss) Continuing Operations		 189 185 170 152 187 123 164 155 180 145 143
Total Pre-Tax Income 		253 253 233 211 250 165 225 211 244 195 200
Total Revenue		 643 639 616 592 605 571 575 561 566 551 503
Net Interest Income / (Expense)		 526 525 503 471 464 470 462 448 458 457 401
Total Interest Income		 887 914 909 850 806 794 762 697 640 581 466
Loans and Leases Interest Income		 778 800 806 760 719 703 675 629 566 506 410
Investment Securities Interest Income		 72 67 70 70 70 68 59 51 60 53 39
Deposits and Money Market Investments Interest Income		 37 46 33 20 17 22 27 17 13 20 16
Federal Funds Sold and Securities Borrowed Interest Income		 0.18 0.05 0.28 0.02 0.02 0.58 1.16 0.00 0.07 1.26 1.85
Trading Account Interest Income		 0.01 0.01 0.01 0.01 0.02 0.02 0.01 0.01 0.01 0.01 0.01
Total Interest Expense		 360 388 406 379 341 324 300 250 182 124 65
Deposits Interest Expense		 320 346 362 336 300 285 263 213 145 95 46
Long-Term Debt Interest Expense		 40 42 44 44 42 38 37 36 37 28 19
Total Non-Interest Income		 117 113 113 121 141 101 112 113 108 94 101
Trust Fees by Commissions		 34 39 37 35 35 33 34 34 30 - -
Service Charges on Deposit Accounts		 19 19 16 16 15 15 14 14 13 - -
Other Service Charges		 24 23 25 31 47 29 25 23 31 -83 17
Net Realized & Unrealized Capital Gains on Investments		 3.13 -2.95 3.06 -4.21 2.00 1.98 -1.63 0.11 2.21 -7.05 -3.11
Other Non-Interest Income		 36 36 31 43 42 22 41 42 31 -1.07 87
Provision for Credit Losses		 24 17 22 40 22 43 20 29 23 48 6.42
Total Non-Interest Expense		 366 369 361 340 333 363 330 321 299 308 296
Salaries and Employee Benefits		 212 212 211 199 195 194 192 185 177 180 176
Net Occupancy & Equipment Expense		 77 76 72 69 67 65 70 65 62 60 59
Marketing Expense		 12 13 18 17 13 17 18 18 12 14 17
Property & Liability Insurance Claims		 11 11 11 10 15 44 9.75 9.01 8.67 6.78 7.19
Other Operating Expenses		 49 51 45 44 42 41 38 42 38 45 36
Amortization Expense		 5.62 5.77 4.04 1.12 1.16 1.36 1.41 1.50 1.24 1.44 1.49
Income Tax Expense		 64 68 63 59 63 42 61 57 63 50 57
Preferred Stock Dividends Declared		 6.99 6.99 6.99 6.99 6.99 6.99 6.99 6.99 6.99 6.99 6.99
Basic Earnings per Share		 $2.73 $2.68 $2.51 $2.35 $2.93 $1.90 $2.57 $2.41 $2.84 $2.28 $2.24
Weighted Average Basic Shares Outstanding		 66.73M 63.69M 64.89M 61.84M 61.48M 61.15M 61.21M 61.19M 60.95M 59.21M 60.74M
Diluted Earnings per Share		 $2.69 $2.63 $2.47 $2.32 $2.89 $1.87 $2.53 $2.38 $2.80 $2.25 $2.21
Weighted Average Diluted Shares Outstanding		 67.65M 64.70M 65.94M 62.77M 62.41M 62.09M 62.18M 62.09M 61.82M 60.09M 61.58M
Weighted Average Basic & Diluted Shares Outstanding		 66.93M 66.71M 66.49M 66.50M 61.75M 61.47M 61.24M 61.21M 61.19M 61.02M 60.77M
Cash Dividends to Common per Share		 $0.50 $0.45 $0.45 $0.45 $0.45 $0.40 $0.40 $0.40 $0.40 $0.34 $0.34

Annual Cash Flow Statements for Wintrust Financial

This table details how cash moves in and out of Wintrust Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Change in Cash & Equivalents		 35 -68 80 89 36 -106 115 7.55 -5.75 45
Net Cash From Operating Activities		 722 744 1,375 1,131 -518 266 377 402 311 39
Net Cash From Continuing Operating Activities		 722 744 1,375 1,131 -518 266 377 402 311 39
Net Income / (Loss) Continuing Operations		 695 623 510 466 293 356 343 258 207 157
Consolidated Net Income / (Loss)		 695 623 510 466 293 356 343 258 207 157
Provision For Loan Losses		 101 114 79 -59 214 54 35 30 34 33
Depreciation Expense		 100 85 82 102 96 88 68 63 53 41
Amortization Expense		 -21 -16 -17 -77 -71 -20 -13 -17 -30 -31
Non-Cash Adjustments to Reconcile Net Income		 34 -23 426 442 -966 -64 92 163 -28 -7.05
Changes in Operating Assets and Liabilities, net		 -188 -39 295 257 -85 -148 -147 -95 75 -154
Net Cash From Investing Activities		 -5,946 -3,238 -3,491 -5,929 -7,182 -4,019 -2,763 -2,303 -2,492 -1,642
Net Cash From Continuing Investing Activities		 -5,946 -3,238 -3,491 -5,929 -7,182 -4,019 -2,763 -2,303 -2,492 -1,642
Purchase of Property, Leasehold Improvements and Equipment		 -86 -46 -53 -57 -64 -82 -68 -59 -34 -43
Purchase of Investment Securities		 -9,621 -6,106 -4,688 -7,692 -10,137 -6,088 -3,308 -3,021 -6,677 -4,208
Sale and/or Maturity of Investments		 3,837 2,895 640 1,820 3,018 2,149 612 792 4,218 2,608
Net Increase in Fed Funds Sold		 0.00 0.00 700 - - - - - - -
Other Investing Activities, net		 -76 20 -89 0.21 0.08 1.96 - -15 1.21 1.86
Net Cash From Financing Activities		 5,260 2,426 2,196 4,887 7,737 3,647 2,501 1,909 2,176 1,648
Net Cash From Continuing Financing Activities		 5,260 2,426 2,196 4,887 7,737 3,647 2,501 1,909 2,176 1,648
Net Change in Deposits		 4,805 2,495 807 5,007 6,986 3,142 2,547 1,525 2,769 1,381
Issuance of Debt		 825 10 1,075 13 554 545 137 403 - 160
Issuance of Common Equity		 6.69 8.31 297 20 15 11 16 28 169 16
Repayment of Debt		 -224 41 125 -28 89 15 -148 -4.89 -722 0.00
Payment of Dividends		 -143 -126 -108 -99 -86 -65 -51 -41 -39 -30
Other Financing Activities, Net		 -10 -1.97 -0.30 -17 -5.90 -1.36 -0.65 -1.10 -1.27 -
Cash Interest Paid		 1,518 1,026 239 157 257 327 198 113 91 78
Cash Income Taxes Paid		 253 232 153 179 105 61 69 77 95 95

Quarterly Cash Flow Statements for Wintrust Financial

This table details how cash moves in and out of Wintrust Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 158 -273 316 36 -44 5.32 -96 68 -45 1.32 -9.30
Net Cash From Operating Activities		 120 491 -62 221 71 248 88 340 68 320 232
Net Cash From Continuing Operating Activities		 120 491 -62 221 71 248 88 340 68 320 232
Net Income / (Loss) Continuing Operations		 189 185 170 152 187 123 164 155 180 145 143
Consolidated Net Income / (Loss)		 189 185 170 152 187 123 164 155 180 145 143
Provision For Loan Losses		 24 17 22 40 22 43 20 29 23 48 6.42
Depreciation Expense		 29 29 26 24 21 22 28 16 19 17 20
Amortization Expense		 -6.44 -7.86 -5.78 -4.06 -3.41 -3.80 -3.58 -4.34 -3.99 -1.96 -2.70
Non-Cash Adjustments to Reconcile Net Income		 77 147 26 -86 -53 -9.40 36 -49 -0.13 107 120
Changes in Operating Assets and Liabilities, net		 -193 120 -300 95 -103 73 -156 194 -149 5.01 -54
Net Cash From Investing Activities		 -973 -1,718 -663 -2,145 -1,419 -610 -1,396 -1,346 114 -542 -1,555
Net Cash From Continuing Investing Activities		 -973 -1,718 -663 -2,145 -1,419 -610 -1,396 -1,346 114 -542 -1,555
Purchase of Property, Leasehold Improvements and Equipment		 7.30 -20 -17 -39 -11 -17 -20 -0.18 -9.14 -16 -14
Purchase of Investment Securities		 -1,170 -3,005 -1,481 -2,858 -2,276 -825 -1,883 -2,446 -952 -596 -2,137
Sale and/or Maturity of Investments		 190 2,010 156 803 867 618 130 1,071 1,076 159 -105
Net Cash From Financing Activities		 1,011 955 1,041 1,960 1,304 367 1,212 1,074 -228 224 1,314
Net Cash From Continuing Financing Activities		 1,011 955 1,041 1,960 1,304 367 1,212 1,074 -228 224 1,314
Net Change in Deposits		 1,058 1,107 1,046 1,600 1,052 404 954 1,320 -184 105 204
Issuance of Debt		 0.00 -27 30 471 351 -48 288 -230 0.00 - 1,080
Issuance of Common Equity		 1.82 1.80 1.61 1.19 2.10 1.64 1.50 1.59 3.58 3.01 1.17
Repayment of Debt		 -4.80 -84 - -78 -62 41 - 14 -14 143 57
Payment of Dividends		 -40 -37 -37 -35 -34 -31 -31 -31 -31 -28 -28
Other Financing Activities, Net		 -3.00 -6.22 -0.34 0.00 -3.54 -0.25 - - -1.72 -0.30 -

Annual Balance Sheets for Wintrust Financial

This table presents Wintrust Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Total Assets		 64,880 56,260 52,950 50,142 45,081 36,621 31,245 27,916 25,669 22,909
Cash and Due from Banks		 452 423 491 411 322 286 392 278 267 271
Federal Funds Sold		 6.52 0.06 0.06 700 0.06 0.31 0.06 0.06 2.85 4.34
Interest Bearing Deposits at Other Banks		 4,410 2,084 1,989 5,373 4,803 2,165 1,100 1,063 980 608
Trading Account Securities		 8,305 8,487 8,217 818 4,999 4,670 3,493 2,721 2,362 2,602
Loans and Leases, Net of Allowance		 47,618 41,705 38,839 0.00 31,699 26,643 23,668 21,503 19,638 17,158
Loans and Leases		 48,055 42,132 39,196 - 32,079 26,800 23,821 21,641 19,761 17,267
Allowance for Loan and Lease Losses		 437 427 357 - 380 157 153 138 124 108
Premises and Equipment, Net		 779 749 765 766 769 754 904 834 727 655
Goodwill		 797 657 654 655 646 645 573 502 499 472
Intangible Assets		 122 23 22 28 36 47 49 18 22 24
Other Assets		 2,317 2,049 1,886 26 1,747 1,410 801 684 752 726
Total Liabilities & Shareholders' Equity		 64,880 56,260 52,950 50,142 45,081 36,621 31,245 27,916 25,669 22,909
Total Liabilities		 58,535 50,860 48,153 42,096 40,965 32,929 27,977 24,939 22,973 20,557
Non-Interest Bearing Deposits		 11,410 10,420 12,668 14,180 11,748 7,217 6,570 6,792 5,927 4,836
Interest Bearing Deposits		 41,102 34,977 30,234 27,916 25,344 22,890 19,525 16,391 15,731 13,803
Short-Term Debt		 535 - 597 - 519 - 394 266 - -
Long-Term Debt		 3,703 3,663 3,007 - 1,919 1,783 819 952 809 1,527
Other Long-Term Liabilities		 1,785 1,800 1,647 - 1,435 1,039 670 537 505 391
Total Equity & Noncontrolling Interests		 6,344 5,400 4,797 4,499 4,116 3,691 3,268 2,977 2,696 2,352
Total Preferred & Common Equity		 6,344 5,400 4,797 4,499 4,116 3,691 3,268 2,977 2,696 2,352
Preferred Stock		 413 413 413 413 413 125 - - 251 251
Total Common Equity		 5,938 4,987 4,385 4,086 3,703 3,566 3,268 2,977 2,444 2,101
Common Stock		 2,549 2,005 1,963 1,744 1,708 1,708 1,615 1,585 1,418 1,239
Retained Earnings		 3,897 3,345 2,849 2,448 2,080 1,900 1,611 1,314 1,097 928
Accumulated Other Comprehensive Income / (Loss)		 -508 -361 -428 4.09 15 -35 -77 -42 -65 -63
Other Equity Adjustments		 0.00 - 0.00 - 0.00 - 125 125 - -

Quarterly Balance Sheets for Wintrust Financial

This table presents Wintrust Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 65,870 63,788 59,782 57,577 55,555 54,286 52,874 52,383
Cash and Due from Banks		 616 725 415 380 418 514 446 490
Federal Funds Sold		 0.06 5.66 0.06 0.06 0.06 0.06 0.06 0.06
Interest Bearing Deposits at Other Banks		 4,238 3,648 2,824 2,131 2,449 2,164 1,564 3,969
Trading Account Securities		 8,372 8,731 8,614 8,659 7,962 7,515 8,221 6,804
Loans and Leases, Net of Allowance		 48,260 46,632 44,238 42,804 41,047 40,636 39,190 37,853
Loans and Leases		 48,708 47,067 44,676 43,231 41,446 41,023 39,565 38,168
Allowance for Loan and Lease Losses		 448 436 437 427 399 387 376 315
Premises and Equipment, Net		 777 772 722 745 748 749 760 763
Goodwill		 797 801 656 656 656 657 654 653
Intangible Assets		 116 124 21 22 24 26 21 24
Other Assets		 2,161 2,275 2,217 2,102 2,168 1,941 1,931 1,760
Total Liabilities & Shareholders' Equity		 65,870 63,788 59,782 57,577 55,555 54,286 52,874 52,383
Total Liabilities		 59,270 57,389 54,245 52,141 50,540 49,244 47,858 47,745
Non-Interest Bearing Deposits		 11,202 10,739 10,031 9,908 10,347 10,605 11,236 13,529
Interest Bearing Deposits		 42,368 40,666 38,018 36,541 34,646 33,434 31,482 29,268
Short-Term Debt		 529 647 607 575 644 665 584 447
Long-Term Debt		 3,703 3,723 3,728 3,368 3,017 2,717 3,007 3,007
Other Long-Term Liabilities		 1,467 1,614 1,861 1,748 1,886 1,823 1,549 1,494
Total Equity & Noncontrolling Interests		 6,601 6,400 5,537 5,436 5,016 5,042 5,016 4,638
Total Preferred & Common Equity		 6,601 6,400 5,537 5,436 5,016 5,042 5,016 4,638
Preferred Stock		 413 413 413 413 413 413 413 413
Total Common Equity		 6,197 5,993 5,130 5,030 4,605 4,631 4,605 4,225
Common Stock		 2,561 2,537 2,026 2,016 1,994 1,985 1,975 1,952
Retained Earnings		 4,046 3,749 3,616 3,498 3,253 3,121 2,997 2,732
Accumulated Other Comprehensive Income / (Loss)		 -410 -292 -512 -485 -643 -474 -367 -459
Other Equity Adjustments		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Metrics And Ratios for Wintrust Financial

This table displays calculated financial ratios and metrics derived from Wintrust Financial's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 7.87% 16.13% 14.34% 494.14% -80.64% 0.00% 0.00% 0.00% 0.00% 12.20%
EBITDA Growth		 12.24% 19.42% 15.53% 170.43% -263.96% 947.75% 17.96% 99.89% -91.13% 7.65%
EBIT Growth		 12.07% 20.63% 9.84% 166.00% -291.21% 0.00% 0.00% 0.00% -100.00% 2.16%
NOPAT Growth		 11.63% 22.16% 9.34% 171.66% -282.89% 0.00% 0.00% 0.00% -100.00% 3.53%
Net Income Growth		 11.63% 22.16% 9.34% 59.10% -17.63% 0.00% 0.00% 0.00% 0.00% 3.53%
EPS Growth		 7.62% 19.45% 5.80% 61.97% -22.39% 0.00% 0.00% 0.00% 0.00% -1.68%
Operating Cash Flow Growth		 -3.07% -45.86% 21.59% 318.12% -294.92% -29.48% -6.09% 29.15% 698.04% -81.12%
Free Cash Flow Firm Growth		 -1,974.67% -125.51% 115.17% 40.64% -171.27% -123.66% 58.73% -284.51% 212.34% 19.58%
Invested Capital Growth		 16.77% 7.88% 4.40% 22.78% 19.72% 22.17% 6.80% 19.72% -9.65% 14.46%
Revenue Q/Q Growth		 2.84% 0.89% -9.37% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2.34%
EBITDA Q/Q Growth		 9.71% -2.86% -25.51% 3,407.97% -2,767.68% 751.65% 6.34% 20.77% -92.82% 13.45%
EBIT Q/Q Growth		 10.22% -3.42% -27.45% 0.00% 0.00% 0.00% 0.00% 0.00% -100.00% -2.10%
NOPAT Q/Q Growth		 9.77% -3.31% -35.53% 0.00% 0.00% 0.00% 0.00% 0.00% -100.00% -1.65%
Net Income Q/Q Growth		 9.77% -3.31% 9.93% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -1.65%
EPS Q/Q Growth		 7.96% -3.82% 9.26% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -3.93%
Operating Cash Flow Q/Q Growth		 50.74% -8.81% -5.50% 77.90% -286.33% 185.63% -26.58% -25.97% 660.13% -32.67%
Free Cash Flow Firm Q/Q Growth		 43.52% -167.26% 134.22% -196.44% -34.67% 2.50% 47.09% -134.83% 501.34% 29.16%
Invested Capital Q/Q Growth		 -1.74% 4.45% 3.81% 17.53% 0.82% 4.96% -1.77% 4.31% -6.00% 12.53%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 41.86% 40.24% 39.13% 38.72% -326.63% 38.57% 0.00% 0.00% 0.00% 28.67%
EBIT Margin		 38.64% 37.20% 35.81% 37.27% -335.54% 33.98% 0.00% 0.00% 0.00% 27.57%
Profit (Net Income) Margin		 28.36% 27.40% 26.05% 27.24% 101.74% 23.91% 0.00% 0.00% 0.00% 17.17%
Tax Burden Percent		 73.39% 73.68% 72.75% 73.09% -31.53% 74.09% 0.00% 0.00% 0.00% 62.26%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 96.17% 95.00% 0.00% 0.00% 0.00% 100.00%
Effective Tax Rate		 26.61% 26.32% 27.25% 26.91% 0.00% 25.91% 0.00% 0.00% 0.00% 37.74%
Return on Invested Capital (ROIC)		 7.08% 7.13% 6.20% 6.39% -10.82% 7.15% 0.00% 0.00% 0.00% 4.31%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.08% 7.13% 6.20% 6.39% 33.90% 7.15% 0.00% 0.00% 0.00% 4.31%
Return on Net Nonoperating Assets (RNNOA)		 4.76% 5.08% 4.77% 4.44% 18.32% 3.08% 0.00% 0.00% 0.00% 2.78%
Return on Equity (ROE)		 11.84% 12.21% 10.97% 10.82% 7.51% 10.22% 0.00% 0.00% 0.00% 7.09%
Cash Return on Invested Capital (CROIC)		 -8.39% -0.46% 1.89% -14.07% -28.77% -12.81% -6.57% -17.95% 10.14% -9.17%
Operating Return on Assets (OROA)		 1.56% 1.55% 1.36% 1.34% -2.37% 1.49% 0.00% 0.00% 0.00% 1.17%
Return on Assets (ROA)		 1.15% 1.14% 0.99% 0.98% 0.72% 1.05% 0.00% 0.00% 0.00% 0.73%
Return on Common Equity (ROCE)		 11.01% 11.22% 9.99% 9.79% 6.99% 10.04% 0.00% 0.00% 0.00% 6.69%
Return on Equity Simple (ROE_SIMPLE)		 10.96% 11.53% 10.63% 10.36% 7.12% 9.64% 0.00% 0.00% 0.00% 6.66%
Net Operating Profit after Tax (NOPAT)		 695 623 510 466 -651 356 0.00 0.00 0.00 157
NOPAT Margin		 28.36% 27.40% 26.05% 27.24% -225.88% 23.91% 0.00% 0.00% 0.00% 17.17%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% -44.72% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.45% 47.36% 50.68% 56.62% 288.56% 49.72% 0.00% 0.00% 0.00% 56.15%
Operating Expenses to Revenue		 57.23% 57.77% 60.17% 66.19% 361.15% 62.40% 0.00% 0.00% 0.00% 68.82%
Earnings before Interest and Taxes (EBIT)		 947 845 701 638 -966 505 0.00 0.00 0.00 252
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1,026 914 765 663 -941 574 55 46 23 262
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.39 1.11 1.12 1.21 0.89 1.04 1.03 1.38 1.36 0.98
Price to Tangible Book Value (P/TBV)		 1.65 1.29 1.33 1.45 1.09 1.29 1.28 1.68 1.73 1.28
Price to Revenue (P/Rev)		 3.37 2.45 2.52 2.88 11.45 2.49 0.00 0.00 0.00 2.26
Price to Earnings (P/E)		 12.38 9.35 10.23 11.25 12.14 10.65 0.00 0.00 0.00 14.13
Dividend Yield		 1.45% 1.76% 1.68% 1.43% 1.96% 1.54% 1.27% 0.76% 0.75% 1.03%
Earnings Yield		 8.08% 10.70% 9.78% 8.89% 8.24% 9.39% 0.00% 0.00% 0.00% 7.08%
Enterprise Value to Invested Capital (EV/IC)		 0.76 0.79 0.77 0.00 0.16 0.58 0.69 0.95 0.90 0.76
Enterprise Value to Revenue (EV/Rev)		 3.28 3.14 3.30 0.00 3.55 2.12 0.00 0.00 0.00 3.24
Enterprise Value to EBITDA (EV/EBITDA)		 7.84 7.80 8.44 0.00 0.00 5.50 56.66 86.05 135.31 11.29
Enterprise Value to EBIT (EV/EBIT)		 8.49 8.43 9.22 0.00 0.00 6.25 0.00 0.00 0.00 11.74
Enterprise Value to NOPAT (EV/NOPAT)		 11.57 11.45 12.68 0.00 0.00 8.88 0.00 0.00 0.00 18.86
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.15 9.58 4.70 0.00 0.00 11.87 8.23 9.95 10.10 75.85
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 41.49 0.00 0.00 0.00 0.00 0.00 8.39 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.67 0.68 0.75 0.00 0.59 0.48 0.37 0.41 0.30 0.65
Long-Term Debt to Equity		 0.58 0.68 0.63 0.00 0.47 0.48 0.25 0.32 0.30 0.65
Financial Leverage		 0.67 0.71 0.77 0.69 0.54 0.43 0.39 0.36 0.46 0.64
Leverage Ratio		 10.32 10.71 11.09 11.05 10.46 9.75 9.47 9.45 9.62 9.71
Compound Leverage Factor		 10.32 10.71 11.09 11.05 10.06 9.26 0.00 0.00 0.00 9.71
Debt to Total Capital		 40.05% 40.42% 42.90% 0.00% 37.19% 32.57% 27.07% 29.04% 23.08% 39.36%
Short-Term Debt to Total Capital		 5.05% 0.00% 7.10% 0.00% 7.92% 0.00% 8.79% 6.34% 0.00% 0.00%
Long-Term Debt to Total Capital		 34.99% 40.42% 35.80% 0.00% 29.27% 32.57% 18.28% 22.70% 23.08% 39.36%
Preferred Equity to Total Capital		 3.90% 4.55% 4.91% 9.17% 6.29% 2.28% 0.00% 0.00% 7.17% 6.48%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 56.11% 55.03% 52.20% 90.83% 56.51% 65.15% 72.93% 70.96% 69.75% 54.16%
Debt to EBITDA		 4.13 4.01 4.71 0.00 -2.59 3.11 22.15 26.25 34.83 5.83
Net Debt to EBITDA		 -0.61 1.26 1.47 0.00 2.86 -1.16 -5.09 -2.64 -19.02 2.46
Long-Term Debt to EBITDA		 3.61 4.01 3.93 0.00 -2.04 3.11 14.96 20.52 34.83 5.83
Debt to NOPAT		 6.10 5.88 7.07 0.00 -3.75 5.01 0.00 0.00 0.00 9.74
Net Debt to NOPAT		 -0.91 1.86 2.21 0.00 4.13 -1.88 0.00 0.00 0.00 4.10
Long-Term Debt to NOPAT		 5.33 5.88 5.90 0.00 -2.95 5.01 0.00 0.00 0.00 9.74
Noncontrolling Interest Sharing Ratio		 6.97% 8.09% 8.87% 9.58% 6.88% 1.80% 0.00% 4.43% 9.96% 5.68%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -824 -40 156 -1,027 -1,730 -638 -285 -691 374 -333
Operating Cash Flow to CapEx		 838.71% 1,604.05% 2,572.55% 1,981.38% -814.61% 324.30% 552.46% 678.49% 916.68% 89.66%
Free Cash Flow to Firm to Interest Expense		 -0.54 -0.04 0.62 -6.82 -6.83 -1.93 0.00 0.00 0.00 -4.33
Operating Cash Flow to Interest Expense		 0.48 0.71 5.45 7.51 -2.05 0.81 0.00 0.00 0.00 0.51
Operating Cash Flow Less CapEx to Interest Expense		 0.42 0.66 5.24 7.13 -2.30 0.56 0.00 0.00 0.00 -0.06
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.01 0.04 0.00 0.00 0.00 0.04
Fixed Asset Turnover		 3.21 3.00 2.56 2.23 0.38 1.79 0.00 0.00 0.00 1.51
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 10,582 9,063 8,400 8,047 6,553 5,474 4,481 4,195 3,504 3,879
Invested Capital Turnover		 0.25 0.26 0.24 0.23 0.05 0.30 0.00 0.00 0.00 0.25
Increase / (Decrease) in Invested Capital		 1,519 662 354 1,493 1,079 993 285 691 -374 490
Enterprise Value (EV)		 8,042 7,128 6,462 -1,143 1,023 3,158 3,102 3,995 3,142 2,956
Market Capitalization		 8,260 5,560 4,926 4,928 3,298 3,701 3,381 4,117 3,333 2,061
Book Value per Share		 $89.30 $81.44 $72.16 $71.68 $64.26 $62.49 $57.94 $53.23 $47.21 $43.44
Tangible Book Value per Share		 $75.49 $70.34 $61.04 $59.69 $52.43 $50.36 $46.90 $43.94 $37.16 $33.18
Total Capital		 10,582 9,063 8,400 4,499 6,553 5,474 4,481 4,195 3,504 3,879
Total Debt		 4,238 3,663 3,604 0.00 2,437 1,783 1,213 1,218 809 1,527
Total Long-Term Debt		 3,703 3,663 3,007 0.00 1,919 1,783 819 952 809 1,527
Net Debt		 -630 1,156 1,124 -6,484 -2,688 -668 -279 -122 -442 643
Capital Expenditures (CapEx)		 86 46 53 57 64 82 68 59 34 43
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 -944 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 4,238 3,663 3,604 3,548 2,437 1,783 1,213 1,218 809 1,527
Total Depreciation and Amortization (D&A)		 79 69 65 25 26 68 55 46 23 10
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $10.47 $9.72 $8.14 $7.69 $0.00 $0.00 $0.00 $4.53 $3.83 $3.05
Adjusted Weighted Average Basic Shares Outstanding		 63.69M 61.15M 59.21M 56.99M 57.52M 56.86M 56.30M 54.70M 50.28M 47.84M
Adjusted Diluted Earnings per Share		 $10.31 $9.58 $8.02 $7.58 $0.00 $0.00 $0.00 $4.40 $3.66 $2.93
Adjusted Weighted Average Diluted Shares Outstanding		 64.70M 62.09M 60.09M 57.79M 57.52M 56.86M 56.30M 56.69M 54.27M 51.94M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 66.71M 61.47M 61.02M 57.24M 57.52M 56.86M 56.30M 56.22M 52.39M 48.43M
Normalized Net Operating Profit after Tax (NOPAT)		 695 623 510 466 -651 356 0.00 0.00 0.00 157
Normalized NOPAT Margin		 28.36% 27.40% 26.05% 27.24% -225.88% 23.91% 0.00% 0.00% 0.00% 17.17%
Pre Tax Income Margin		 38.64% 37.20% 35.81% 37.27% -322.69% 32.28% 0.00% 0.00% 0.00% 27.57%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.63 0.80 2.78 4.24 -3.82 1.53 0.00 0.00 0.00 3.27
NOPAT to Interest Expense		 0.46 0.59 2.02 3.10 -2.57 1.08 0.00 0.00 0.00 2.04
EBIT Less CapEx to Interest Expense		 0.57 0.76 2.57 3.86 -4.07 1.28 0.00 0.00 0.00 2.71
NOPAT Less CapEx to Interest Expense		 0.40 0.55 1.81 2.72 -2.82 0.83 0.00 0.00 0.00 1.47
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 20.61% 20.19% 21.23% 21.16% 29.32% 18.30% 0.00% 0.00% 0.00% 19.07%
Augmented Payout Ratio		 20.61% 20.19% 21.23% 23.20% 60.73% 18.30% 0.00% 0.00% 0.00% 19.34%

Quarterly Metrics And Ratios for Wintrust Financial

This table displays calculated financial ratios and metrics derived from Wintrust Financial's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.34% 11.88% 7.11% 5.56% 6.90% 3.66% 14.30% 27.19% 22.44% -26.86% 16.55%
EBITDA Growth		 3.02% 49.45% 1.53% 3.43% 3.73% -12.80% 14.75% 52.44% 34.87% -55.46% 33.76%
EBIT Growth		 1.24% 53.16% 3.49% -0.04% 2.63% -15.34% 12.41% 60.59% 40.23% -57.59% 27.19%
NOPAT Growth		 0.93% 50.12% 3.53% -1.53% 3.94% -14.73% 14.86% 63.73% 41.45% -65.98% 30.99%
Net Income Growth		 0.93% 50.12% 3.53% -1.53% 3.94% -14.73% 14.86% 63.73% 41.45% 46.64% 30.99%
EPS Growth		 -6.92% 40.64% -2.37% -2.52% 3.21% -16.89% 14.48% 59.73% 35.27% 43.31% 24.86%
Operating Cash Flow Growth		 68.37% 97.97% -169.83% -34.88% 3.92% -22.48% -61.93% -6.99% -85.06% -20.02% 181.92%
Free Cash Flow Firm Growth		 -115.46% -147.56% -357.07% -7.65% -48.64% -157.71% 61.85% -554.08% 67.54% 80.41% -364.75%
Invested Capital Growth		 15.49% 16.77% 24.12% 17.17% 8.99% 7.88% 7.23% 19.20% 7.16% 4.40% 18.20%
Revenue Q/Q Growth		 0.71% 3.71% 4.05% -2.15% 5.95% -0.70% 2.55% -0.92% 2.74% 9.49% 14.11%
EBITDA Q/Q Growth		 0.62% 8.61% 9.40% -13.82% 45.96% -26.22% 11.46% -13.57% 22.70% -2.91% 48.05%
EBIT Q/Q Growth		 -0.01% 8.75% 10.11% -15.45% 51.27% -26.51% 6.35% -13.19% 24.79% -2.43% 51.94%
NOPAT Q/Q Growth		 1.98% 9.04% 11.56% -18.64% 51.68% -24.80% 6.11% -14.12% 24.43% 1.30% 51.26%
Net Income Q/Q Growth		 1.98% 9.04% 11.56% -18.64% 51.68% -24.80% 6.11% -14.12% 24.43% 1.30% 51.26%
EPS Q/Q Growth		 2.28% 6.48% 6.47% -19.72% 54.55% -26.09% 6.30% -15.00% 24.44% 1.81% 48.32%
Operating Cash Flow Q/Q Growth		 -75.60% 896.45% -127.85% 211.06% -71.31% 180.91% -74.02% 396.41% -78.60% 37.95% -36.53%
Free Cash Flow Firm Q/Q Growth		 5.26% 30.62% -48.55% -120.66% -8.86% -28.09% 65.01% -204.69% -88.73% 81.04% -499.90%
Invested Capital Q/Q Growth		 2.37% -1.74% 9.10% 5.24% 3.50% 4.45% 3.00% -2.11% 2.45% 3.81% 14.50%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.93% 42.97% 41.04% 39.03% 44.32% 32.17% 43.29% 39.83% 45.67% 38.24% 43.12%
EBIT Margin		 39.35% 39.63% 37.79% 35.71% 41.33% 28.95% 39.12% 37.72% 43.05% 35.44% 39.78%
Profit (Net Income) Margin		 29.39% 29.03% 27.61% 25.75% 30.97% 21.63% 28.56% 27.61% 31.85% 26.30% 28.43%
Tax Burden Percent		 74.70% 73.24% 73.05% 72.10% 74.93% 74.73% 73.02% 73.19% 73.99% 74.20% 71.47%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.30% 26.76% 26.95% 27.90% 25.07% 25.27% 26.98% 26.81% 26.01% 25.80% 28.53%
Return on Invested Capital (ROIC)		 7.24% 7.24% 6.77% 6.59% 7.96% 5.63% 7.67% 7.77% 7.89% 6.26% 8.22%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.24% 7.24% 6.77% 6.59% 7.96% 5.63% 7.67% 7.77% 7.89% 6.26% 8.22%
Return on Net Nonoperating Assets (RNNOA)		 4.92% 4.87% 4.76% 4.81% 5.74% 4.01% 5.65% 4.55% 5.91% 4.81% 5.35%
Return on Equity (ROE)		 12.16% 12.12% 11.53% 11.40% 13.70% 9.64% 13.33% 12.32% 13.80% 11.07% 13.56%
Cash Return on Invested Capital (CROIC)		 -7.48% -8.39% -15.01% -8.96% -1.60% -0.46% 0.70% -9.48% -0.15% 1.89% -6.09%
Operating Return on Assets (OROA)		 1.59% 1.60% 1.51% 1.47% 1.73% 1.20% 1.63% 1.56% 1.72% 1.35% 1.71%
Return on Assets (ROA)		 1.19% 1.17% 1.10% 1.06% 1.30% 0.90% 1.19% 1.14% 1.27% 1.00% 1.22%
Return on Common Equity (ROCE)		 11.34% 11.27% 10.70% 10.52% 12.62% 8.86% 12.19% 11.28% 12.61% 10.09% 12.33%
Return on Equity Simple (ROE_SIMPLE)		 10.56% 0.00% 9.89% 11.33% 11.58% 0.00% 12.84% 12.35% 11.22% 0.00% 10.00%
Net Operating Profit after Tax (NOPAT)		 189 185 170 152 187 123 164 155 180 145 143
NOPAT Margin		 29.39% 29.03% 27.61% 25.75% 30.97% 21.63% 28.56% 27.61% 31.85% 26.30% 28.43%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 46.81% 47.18% 48.97% 48.18% 45.47% 48.46% 48.81% 47.74% 44.39% 46.32% 50.06%
Operating Expenses to Revenue		 56.93% 57.71% 58.58% 57.52% 55.09% 63.53% 57.42% 57.20% 52.88% 55.90% 58.95%
Earnings before Interest and Taxes (EBIT)		 253 253 233 211 250 165 225 211 244 195 200
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 276 274 253 231 268 184 249 223 258 211 217
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.21 1.39 1.20 1.18 1.26 1.11 0.98 0.94 0.94 1.12 1.13
Price to Tangible Book Value (P/TBV)		 1.42 1.65 1.42 1.36 1.46 1.29 1.15 1.10 1.10 1.33 1.34
Price to Revenue (P/Rev)		 3.01 3.37 3.02 2.59 2.74 2.45 2.01 1.99 2.10 2.52 2.21
Price to Earnings (P/E)		 11.22 12.38 11.88 10.11 10.53 9.35 7.34 7.30 8.08 10.23 10.94
Dividend Yield		 1.65% 1.45% 1.62% 1.73% 1.60% 1.76% 2.09% 2.09% 2.01% 1.68% 1.69%
Earnings Yield		 8.92% 8.08% 8.41% 9.89% 9.50% 10.70% 13.63% 13.71% 12.38% 9.78% 9.14%
Enterprise Value to Invested Capital (EV/IC)		 0.67 0.76 0.71 0.77 0.87 0.79 0.66 0.65 0.73 0.77 0.52
Enterprise Value to Revenue (EV/Rev)		 2.93 3.28 3.19 3.23 3.54 3.14 2.54 2.50 3.06 3.30 1.93
Enterprise Value to EBITDA (EV/EBITDA)		 7.05 7.84 8.12 8.12 8.85 7.80 6.08 6.00 7.58 8.44 4.06
Enterprise Value to EBIT (EV/EBIT)		 7.67 8.49 8.84 8.89 9.61 8.43 6.54 6.42 8.19 9.22 4.33
Enterprise Value to NOPAT (EV/NOPAT)		 10.47 11.57 12.00 12.06 12.99 11.45 8.89 8.76 11.22 12.68 5.28
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.47 11.15 15.87 12.04 10.95 9.58 7.01 5.68 6.41 4.70 2.87
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 96.92 0.00 0.00 41.49 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.64 0.67 0.68 0.78 0.73 0.68 0.73 0.67 0.72 0.75 0.74
Long-Term Debt to Equity		 0.56 0.58 0.58 0.67 0.62 0.68 0.60 0.54 0.60 0.63 0.65
Financial Leverage		 0.68 0.67 0.70 0.73 0.72 0.71 0.74 0.59 0.75 0.77 0.65
Leverage Ratio		 10.26 10.32 10.45 10.78 10.57 10.71 11.18 10.77 10.85 11.09 11.08
Compound Leverage Factor		 10.26 10.32 10.45 10.78 10.57 10.71 11.18 10.77 10.85 11.09 11.08
Debt to Total Capital		 39.07% 40.05% 40.58% 43.91% 42.04% 40.42% 42.20% 40.15% 41.72% 42.90% 42.69%
Short-Term Debt to Total Capital		 4.89% 5.05% 6.01% 6.14% 6.13% 0.00% 7.42% 7.90% 6.78% 7.10% 5.53%
Long-Term Debt to Total Capital		 34.18% 34.99% 34.57% 37.77% 35.91% 40.42% 34.77% 32.25% 34.94% 35.80% 37.16%
Preferred Equity to Total Capital		 3.81% 3.90% 3.83% 4.18% 4.40% 4.55% 4.75% 4.90% 4.79% 4.91% 5.10%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 57.21% 56.11% 55.65% 51.97% 53.62% 55.03% 53.07% 54.98% 53.51% 52.20% 52.22%
Debt to EBITDA		 4.09 4.13 4.67 4.65 4.27 4.01 3.89 3.72 4.31 4.71 3.36
Net Debt to EBITDA		 -0.60 -0.61 -0.01 1.18 1.55 1.26 0.84 0.78 1.90 1.47 -0.98
Long-Term Debt to EBITDA		 3.58 3.61 3.98 4.00 3.65 4.01 3.21 2.99 3.61 3.93 2.93
Debt to NOPAT		 6.07 6.10 6.90 6.91 6.26 5.88 5.69 5.43 6.38 7.07 4.37
Net Debt to NOPAT		 -0.89 -0.91 -0.01 1.75 2.28 1.86 1.23 1.13 2.81 2.21 -1.27
Long-Term Debt to NOPAT		 5.31 5.33 5.88 5.94 5.35 5.88 4.69 4.36 5.35 5.90 3.80
Noncontrolling Interest Sharing Ratio		 6.73% 6.97% 7.16% 7.73% 7.82% 8.09% 8.53% 8.42% 8.66% 8.87% 9.12%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -1,264 -1,334 -1,923 -1,294 -587 -539 -421 -1,202 -395 -209 -1,103
Operating Cash Flow to CapEx		 0.00% 2,507.37% -369.06% 564.96% 671.05% 1,442.44% 443.50% 189,805.03% 748.89% 2,000.55% 1,644.78%
Free Cash Flow to Firm to Interest Expense		 -3.51 -3.44 -4.74 -3.41 -1.72 -1.66 -1.40 -4.82 -2.17 -1.69 -16.96
Operating Cash Flow to Interest Expense		 0.33 1.26 -0.15 0.58 0.21 0.77 0.29 1.36 0.38 2.58 3.57
Operating Cash Flow Less CapEx to Interest Expense		 0.35 1.21 -0.19 0.48 0.18 0.71 0.23 1.36 0.33 2.45 3.35
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.27 3.21 3.14 3.18 3.07 3.00 2.98 2.88 2.34 2.56 2.86
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 10,833 10,582 10,770 9,871 9,380 9,063 8,677 8,424 8,606 8,400 8,092
Invested Capital Turnover		 0.25 0.25 0.25 0.26 0.26 0.26 0.27 0.28 0.25 0.24 0.29
Increase / (Decrease) in Invested Capital		 1,453 1,519 2,093 1,447 774 662 585 1,357 575 354 1,246
Enterprise Value (EV)		 7,292 8,042 7,596 7,565 8,180 7,128 5,726 5,456 6,312 6,462 4,177
Market Capitalization		 7,502 8,260 7,193 6,058 6,334 5,560 4,519 4,339 4,319 4,926 4,768
Book Value per Share		 $92.90 $89.30 $90.12 $83.07 $81.81 $81.44 $75.23 $75.69 $75.47 $72.16 $69.57
Tangible Book Value per Share		 $79.21 $75.49 $76.22 $72.11 $70.78 $70.34 $64.12 $64.53 $64.42 $61.04 $58.43
Total Capital		 10,833 10,582 10,770 9,871 9,380 9,063 8,677 8,424 8,606 8,400 8,092
Total Debt		 4,233 4,238 4,370 4,335 3,944 3,663 3,661 3,382 3,591 3,604 3,454
Total Long-Term Debt		 3,703 3,703 3,723 3,728 3,368 3,663 3,017 2,717 3,007 3,007 3,007
Net Debt		 -622 -630 -9.14 1,095 1,433 1,156 795 705 1,581 1,124 -1,004
Capital Expenditures (CapEx)		 -7.30 20 17 39 11 17 20 0.18 9.14 16 14
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 4,233 4,238 4,370 4,335 3,944 3,663 3,661 3,382 3,591 3,604 3,454
Total Depreciation and Amortization (D&A)		 23 21 20 20 18 18 24 12 15 15 17
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.73 $2.68 $2.51 $2.35 $2.93 $1.90 $2.57 $2.41 $2.84 $2.28 $2.24
Adjusted Weighted Average Basic Shares Outstanding		 66.73M 63.69M 64.89M 61.84M 61.48M 61.15M 61.21M 61.19M 60.95M 59.21M 60.74M
Adjusted Diluted Earnings per Share		 $2.69 $2.63 $2.47 $2.32 $2.89 $1.87 $2.53 $2.38 $2.80 $2.25 $2.21
Adjusted Weighted Average Diluted Shares Outstanding		 67.65M 64.70M 65.94M 62.77M 62.41M 62.09M 62.18M 62.09M 61.82M 60.09M 61.58M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 66.93M 66.71M 66.49M 66.50M 61.75M 61.47M 61.24M 61.21M 61.19M 61.02M 60.77M
Normalized Net Operating Profit after Tax (NOPAT)		 189 185 170 152 187 123 164 155 180 145 143
Normalized NOPAT Margin		 29.39% 29.03% 27.61% 25.75% 30.97% 21.63% 28.56% 27.61% 31.85% 26.30% 28.43%
Pre Tax Income Margin		 39.35% 39.63% 37.79% 35.71% 41.33% 28.95% 39.12% 37.72% 43.05% 35.44% 39.78%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.70 0.65 0.57 0.56 0.73 0.51 0.75 0.85 1.34 1.57 3.08
NOPAT to Interest Expense		 0.52 0.48 0.42 0.40 0.55 0.38 0.55 0.62 0.99 1.17 2.20
EBIT Less CapEx to Interest Expense		 0.72 0.60 0.53 0.45 0.70 0.46 0.68 0.85 1.29 1.45 2.86
NOPAT Less CapEx to Interest Expense		 0.54 0.43 0.38 0.30 0.52 0.33 0.48 0.62 0.94 1.04 1.98
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 21.44% 20.61% 21.76% 21.10% 20.41% 20.19% 18.93% 18.96% 20.12% 21.23% 22.70%
Augmented Payout Ratio		 21.44% 20.61% 21.76% 21.10% 20.41% 20.19% 18.93% 18.96% 20.12% 21.23% 22.70%

Frequently Asked Questions About Wintrust Financial's Financials

When does Wintrust Financial's financial year end?

According to the most recent income statement we have on file, Wintrust Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Wintrust Financial's net income changed over the last 9 years?

Wintrust Financial's net income appears to be on an upward trend, with a most recent value of $695.05 million in 2024, rising from $156.75 million in 2015. The previous period was $622.63 million in 2023. Check out Wintrust Financial's forecast to explore projected trends and price targets.

How has Wintrust Financial revenue changed over the last 9 years?

Over the last 9 years, Wintrust Financial's total revenue changed from $913.13 million in 2015 to $2.45 billion in 2024, a change of 168.4%.

How much debt does Wintrust Financial have?

Wintrust Financial's total liabilities were at $58.54 billion at the end of 2024, a 15.1% increase from 2023, and a 184.7% increase since 2015.

How much cash does Wintrust Financial have?

In the past 9 years, Wintrust Financial's cash and equivalents has ranged from $267.19 million in 2016 to $490.91 million in 2022, and is currently $452.02 million as of their latest financial filing in 2024.

How has Wintrust Financial's book value per share changed over the last 9 years?

Over the last 9 years, Wintrust Financial's book value per share changed from 43.44 in 2015 to 89.30 in 2024, a change of 105.6%.


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This page (NASDAQ:WTFC) was last updated on 5/21/2025 by MarketBeat.com Staff
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