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Webster Financial (WBS) Financials

Webster Financial logo
$59.54 +0.58 (+0.98%)
Closing price 03:59 PM Eastern
Extended Trading
$59.60 +0.06 (+0.09%)
As of 04:10 PM Eastern
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Annual Income Statements for Webster Financial

Annual Income Statements for Webster Financial

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 195 198 247 352 375 213 401 628 851 752
Consolidated Net Income / (Loss)		 205 207 255 360 383 221 409 644 868 769
Net Income / (Loss) Continuing Operations		 205 207 255 360 383 221 409 644 868 769
Total Pre-Tax Income 		298 303 354 442 487 280 534 798 1,085 1,017
Total Revenue		 902 983 1,056 1,189 1,240 1,177 1,224 2,475 2,652 2,590
Net Interest Income / (Expense)		 665 719 796 907 955 891 901 2,034 2,337 2,338
Total Interest Income		 760 822 914 1,055 1,155 1,002 943 2,285 3,628 3,927
Loans and Leases Interest Income		 554 622 710 843 925 790 763 1,947 3,072 3,196
Investment Securities Interest Income		 206 199 204 212 229 212 177 320 451 675
Other Interest Income		 - - - - - - 3.10 18 105 56
Total Interest Expense		 95 103 117 148 199 111 42 250 1,291 1,589
Deposits Interest Expense		 46 50 62 90 130 68 20 139 1,021 1,427
Long-Term Debt Interest Expense		 33 39 41 45 52 37 19 93 260 158
Federal Funds Purchased and Securities Sold Interest Expense		 17 15 14 13 18 5.94 3.04 19 9.10 4.11
Total Non-Interest Income		 238 264 259 283 285 285 323 441 314 252
Service Charges on Deposit Accounts		 - - 151 162 - 156 163 198 169 161
Other Service Charges		 184 206 53 69 232 63 100 180 123 166
Net Realized & Unrealized Capital Gains on Investments		 8.29 15 9.81 4.42 6.14 18 6.22 -6.75 -34 -136
Investment Banking Income		 32 29 31 33 33 33 40 40 29 33
Other Non-Interest Income		 13 15 15 15 15 15 14 29 26 28
Provision for Credit Losses		 49 56 41 42 38 138 -55 281 151 222
Total Non-Interest Expense		 555 623 661 706 716 759 745 1,396 1,416 1,351
Salaries and Employee Benefits		 298 326 357 381 395 428 420 724 712 763
Net Occupancy & Equipment Expense		 130 141 150 157 162 183 168 300 275 267
Marketing Expense		 16 20 17 17 16 14 12 16 19 19
Property & Liability Insurance Claims		 24 26 26 35 18 18 16 27 98 69
Other Operating Expenses		 82 105 107 111 120 111 125 298 276 198
Amortization Expense		 6.34 5.65 4.06 3.85 3.85 4.16 4.51 32 36 36
Income Tax Expense		 93 96 98 81 104 59 125 154 217 248
Preferred Stock Dividends Declared		 9.37 8.70 8.61 8.72 7.88 7.88 7.88 16 17 17
Basic Earnings per Share		 $2.15 $2.17 $2.68 $3.83 $4.07 $2.35 $4.43 $3.72 $4.91 $4.38
Weighted Average Basic Shares Outstanding		 90.97M 91.37M 91.97M 92.29M 91.63M 90.29M 179.59M 174.01M 171.75M 171.35M
Diluted Earnings per Share		 $2.13 $2.16 $2.67 $3.81 $4.06 $2.35 $4.42 $3.72 $4.91 $4.37
Weighted Average Diluted Shares Outstanding		 90.97M 91.37M 91.97M 92.29M 91.63M 90.29M 179.59M 174.01M 171.75M 171.35M
Weighted Average Basic & Diluted Shares Outstanding		 90.97M 91.37M 91.97M 92.29M 91.63M 90.29M 179.59M 174.01M 171.75M 171.35M
Cash Dividends to Common per Share		 $0.89 $0.98 $1.03 $1.25 - - - $1.60 $1.60 $1.60

Quarterly Income Statements for Webster Financial

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

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 230 241 217 231 222 181 212 177 189 174
Consolidated Net Income / (Loss)		 234 245 221 235 226 185 216 182 193 178
Net Income / (Loss) Continuing Operations		 234 245 221 235 226 185 216 182 193 178
Total Pre-Tax Income 		298 313 287 298 278 222 286 230 245 257
Total Revenue		 665 705 666 673 678 635 667 615 648 661
Net Interest Income / (Expense)		 551 602 595 584 587 571 568 572 590 608
Total Interest Income		 618 744 831 933 931 933 952 976 1,004 995
Loans and Leases Interest Income		 526 643 716 772 794 790 792 804 815 786
Investment Securities Interest Income		 92 82 99 109 113 129 148 161 177 190
Other Interest Income		 - - 15 52 24 15 12 12 13 19
Total Interest Expense		 67 141 236 350 344 362 384 404 414 387
Deposits Interest Expense		 37 81 150 251 294 326 336 361 371 359
Long-Term Debt Interest Expense		 23 51 78 98 50 35 46 42 43 27
Federal Funds Purchased and Securities Sold Interest Expense		 6.24 9.18 7.83 0.06 0.05 1.16 2.11 1.11 0.04 0.85
Total Non-Interest Income		 114 102 71 89 90 64 99 42 58 53
Service Charges on Deposit Accounts		 51 48 45 45 41 37 43 41 39 39
Other Service Charges		 46 45 29 30 36 29 53 36 22 55
Net Realized & Unrealized Capital Gains on Investments		 -2.15 -5.13 -17 -0.05 0.00 -17 -9.83 -50 -20 -57
Investment Banking Income		 11 7.02 6.59 7.39 7.25 7.77 7.92 8.56 8.37 8.39
Other Non-Interest Income		 7.72 6.54 6.73 6.29 6.62 6.59 5.95 6.36 8.02 7.39
Provision for Credit Losses		 37 43 47 31 37 36 46 59 54 64
Total Non-Interest Expense		 330 348 332 344 363 377 336 326 349 340
Salaries and Employee Benefits		 174 178 173 173 180 185 189 187 195 193
Net Occupancy & Equipment Expense		 69 64 65 72 74 65 65 60 76 66
Marketing Expense		 3.92 5.57 3.48 5.16 4.81 5.18 4.28 4.11 4.22 6.14
Property & Liability Insurance Claims		 8.03 6.58 12 14 13 59 24 15 14 16
Other Operating Expenses		 67 86 69 71 81 55 44 51 52 50
Amortization Expense		 8.51 8.24 9.50 9.19 8.90 8.62 9.19 8.72 8.49 9.68
Income Tax Expense		 64 68 66 63 52 36 69 48 52 79
Preferred Stock Dividends Declared		 4.16 4.16 4.16 4.16 4.16 4.16 4.16 4.16 4.16 4.16
Basic Earnings per Share		 $1.31 $1.55 $1.24 $1.32 $1.29 $1.06 $1.23 $1.03 $1.10 $1.02
Weighted Average Basic Shares Outstanding		 174.01M 174.01M 174.74M 173.25M 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M
Diluted Earnings per Share		 $1.31 $1.55 $1.24 $1.32 $1.28 $1.07 $1.23 $1.03 $1.10 $1.01
Weighted Average Diluted Shares Outstanding		 174.01M 174.01M 174.74M 173.25M 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M
Weighted Average Basic & Diluted Shares Outstanding		 174.01M 174.01M 174.74M 173.25M 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M

Annual Cash Flow Statements for Webster Financial

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -14 -9.03 37 73 -72 5.21 198 378 876 359
Net Cash From Operating Activities		 303 398 445 469 304 381 689 1,336 979 1,404
Net Cash From Continuing Operating Activities		 303 398 445 469 304 381 689 1,336 979 1,404
Net Income / (Loss) Continuing Operations		 205 207 255 360 383 221 409 644 868 769
Consolidated Net Income / (Loss)		 205 207 255 360 383 221 409 644 868 769
Provision For Loan Losses		 49 56 41 - 38 138 -55 281 151 222
Depreciation Expense		 35 36 37 39 38 37 36 82 76 72
Amortization Expense		 55 57 45 51 60 88 143 18 49 -14
Non-Cash Adjustments to Reconcile Net Income		 -23 -22 23 43 -34 -15 -9.35 30 38 125
Changes in Operating Assets and Liabilities, net		 -18 63 43 -24 -180 -87 165 281 -203 232
Net Cash From Investing Activities		 -774 -1,635 -531 -1,318 -2,550 -2,289 -2,405 -7,186 -2,596 -3,869
Net Cash From Continuing Investing Activities		 -774 -1,635 -531 -1,318 -2,550 -2,289 -2,405 -7,186 -2,596 -3,869
Purchase of Property, Leasehold Improvements and Equipment		 -36 -41 -29 -33 -26 -21 -17 -29 -40 -36
Purchase of Investment Securities		 -3,551 -3,494 -2,253 -2,365 -3,769 -3,911 -4,705 -10,029 -4,956 -7,824
Sale of Property, Leasehold Improvements and Equipment		 0.65 1.55 3.36 0.57 0.00 0.87 3.22 0.30 6.89 6.77
Sale and/or Maturity of Investments		 1,416 1,772 1,739 1,080 1,245 1,643 2,313 2,871 2,394 3,983
Net Cash From Financing Activities		 457 1,228 123 921 2,174 1,913 1,915 6,229 2,493 2,824
Net Cash From Continuing Financing Activities		 457 1,228 123 921 2,174 1,913 1,915 6,229 2,493 2,824
Net Change in Deposits		 854 1,352 1,690 980 1,465 4,006 2,511 936 6,721 3,698
Issuance of Debt		 13,505 19,635 12,255 8,960 9,500 3,850 -122 2.55 0.00 0.00
Repayment of Debt		 -13,700 -19,451 -13,421 -8,810 -9,082 -5,665 0.00 5,450 -3,117 -382
Repurchase of Common Equity		 -18 -23 -12 -12 -20 -77 0.00 -346 -124 -83
Payment of Dividends		 -90 -98 -103 -123 -149 -153 -153 -261 -295 -291
Other Financing Activities, Net		 -94 -187 -310 -73 459 -48 -321 448 -692 -118

Quarterly Cash Flow Statements for Webster Financial

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

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -289 227 1,594 -1,073 812 -457 -171 -9.58 1,662 -1,123
Net Cash From Operating Activities		 422 275 214 249 427 88 244 224 45 891
Net Cash From Continuing Operating Activities		 422 275 216 248 427 88 266 202 45 891
Net Income / (Loss) Continuing Operations		 234 245 221 235 226 185 216 182 193 178
Consolidated Net Income / (Loss)		 234 245 221 235 226 185 216 182 193 178
Provision For Loan Losses		 37 43 47 31 37 36 46 59 54 64
Depreciation Expense		 22 19 21 20 18 18 19 17 16 19
Amortization Expense		 4.01 11 17 8.28 13 10 8.52 0.88 -5.35 -18
Non-Cash Adjustments to Reconcile Net Income		 12 43 37 -10 -18 29 35 -8.22 18 80
Changes in Operating Assets and Liabilities, net		 113 -86 -127 -36 151 -190 -58 -49 -231 570
Net Cash From Investing Activities		 -1,990 -1,853 -2,023 -308 1,511 -1,775 -1,348 -669 -716 -1,136
Net Cash From Continuing Investing Activities		 -1,990 -1,853 -2,023 -308 1,511 -1,775 -1,348 -669 -716 -1,136
Purchase of Property, Leasehold Improvements and Equipment		 -8.63 -10 -10 -9.37 -14 -6.32 -5.06 -8.43 -10 -12
Purchase of Investment Securities		 -2,827 -2,385 -2,733 -910 1,169 -2,482 -2,029 -1,950 -1,806 -2,038
Sale and/or Maturity of Investments		 846 1,056 720 611 357 706 687 1,289 1,100 907
Net Cash From Financing Activities		 1,280 1,805 3,403 -1,014 -1,126 1,231 933 435 2,333 -878
Net Cash From Continuing Financing Activities		 1,280 1,805 3,403 -1,014 -1,126 1,231 933 435 2,333 -878
Net Change in Deposits		 931 46 1,236 3,447 1,584 453 -27 1,529 2,245 -50
Issuance of Debt		 8,003 -13,150 3,100 -4,250 -2,500 3,650 1,300 -850 300 -750
Repayment of Debt		 -7,000 15,100 0.00 -17 - -3,101 -133 - - -250
Repurchase of Common Equity		 -76 -26 0.00 -73 -50 -0.51 -20 -45 -17 -0.35
Payment of Dividends		 -75 -74 -74 -74 -73 -73 -73 -73 -73 -72
Other Financing Activities, Net		 -503 -91 -859 -47 -86 301 -114 -125 -123 244

Annual Balance Sheets for Webster Financial

This table presents Webster 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 24,641 26,073 26,488 27,610 30,389 32,591 34,916 71,278 74,945 79,025
Cash and Due from Banks		 200 191 231 260 185 194 137 264 429 388
Interest Bearing Deposits at Other Banks		 156 29 26 69 73 70 324 576 1,286 1,686
Trading Account Securities		 6,908 7,152 7,125 7,224 8,220 8,895 6,198 7,893 8,960 9,007
Loans and Leases, Net of Allowance		 15,497 16,832 17,324 18,253 19,828 21,282 21,971 49,170 50,090 51,816
Loans and Leases		 15,672 17,027 17,524 18,465 20,037 21,641 22,272 49,764 50,726 52,505
Allowance for Loan and Lease Losses		 175 194 200 212 209 359 301 595 636 690
Loans Held for Sale		 37 68 21 12 36 14 21,975 1.99 6.54 28
Premises and Equipment, Net		 129 137 130 125 270 227 205 430 430 407
Goodwill		 538 538 538 538 538 538 538 2,514 2,631 2,868
Intangible Assets		 39 34 30 26 22 22 18 199 203 334
Other Assets		 1,137 1,091 1,063 1,103 1,217 1,350 5,520 10,230 10,909 12,491
Total Liabilities & Shareholders' Equity		 24,641 26,073 26,488 27,610 30,389 32,591 34,916 71,278 74,945 79,025
Total Liabilities		 22,227 23,546 23,786 24,724 27,182 29,356 31,477 63,221 66,255 69,892
Non-Interest Bearing Deposits		 3,713 4,021 4,191 4,162 4,446 6,156 7,060 12,975 10,733 10,317
Interest Bearing Deposits		 14,240 15,283 16,802 17,696 18,878 21,180 22,787 41,079 50,052 54,437
Federal Funds Purchased and Securities Sold		 1,151 950 643 582 1,040 995 675 1,152 458 344
Long-Term Debt		 2,889 3,068 1,903 2,053 2,489 701 574 6,534 3,409 3,019
Other Long-Term Liabilities		 234 224 246 230 328 324 381 1,481 1,604 1,775
Total Equity & Noncontrolling Interests		 2,414 2,527 2,702 2,887 3,208 3,235 3,438 8,056 8,690 9,133
Total Preferred & Common Equity		 2,414 2,404 2,557 2,887 3,208 3,235 3,438 8,056 8,690 9,133
Preferred Stock		 123 - - 145 145 145 145 284 284 284
Total Common Equity		 2,291 2,404 2,557 2,741 3,063 3,090 3,293 7,772 8,406 8,849
Common Stock		 1,125 1,127 1,123 1,115 1,114 1,110 1,110 6,175 6,182 6,183
Retained Earnings		 1,316 1,425 1,596 1,828 2,061 2,078 2,333 2,714 3,283 3,759
Treasury Stock		 -72 -71 -70 -72 -77 -141 -127 -432 -508 -537
Accumulated Other Comprehensive Income / (Loss)		 -78 -77 -92 -131 -36 42 -23 -685 -551 -556

Quarterly Balance Sheets for Webster Financial

This table presents Webster 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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 69,053 74,844 74,038 73,131 76,162 76,838 79,454
Cash and Due from Banks		 286 202 284 406 322 333 721
Interest Bearing Deposits at Other Banks		 327 2,232 1,077 1,766 1,223 1,203 2,476
Trading Account Securities		 14,591 14,862 14,703 7,653 8,601 7,809 17,161
Loans and Leases, Net of Allowance		 47,250 50,313 50,997 49,453 50,457 50,904 51,259
Loans and Leases		 47,824 50,927 51,626 50,088 51,099 51,573 51,947
Allowance for Loan and Lease Losses		 574 614 629 635 641 669 688
Loans Held for Sale		 0.90 211 11 46 240 248 118
Premises and Equipment, Net		 435 431 426 432 423 418 411
Goodwill		 2,514 2,631 2,631 2,631 2,868 2,868 2,868
Intangible Assets		 207 230 221 212 383 374 344
Other Assets		 3,442 54,045 3,688 10,531 11,644 12,681 4,095
Total Liabilities & Shareholders' Equity		 69,053 74,844 74,038 73,131 76,162 76,838 79,454
Total Liabilities		 61,226 66,550 65,759 64,932 67,414 68,029 70,256
Non-Interest Bearing Deposits		 13,850 12,007 11,157 11,410 10,213 9,996 10,745
Interest Bearing Deposits		 40,159 43,290 47,590 48,922 50,535 52,280 53,770
Short-Term Debt		 1,265 306 244 157 362 240 100
Long-Term Debt		 4,586 9,632 5,363 2,861 4,574 3,723 4,021
Other Long-Term Liabilities		 1,366 1,315 1,405 1,582 1,730 1,790 1,620
Total Equity & Noncontrolling Interests		 7,826 8,294 8,280 8,199 8,747 8,809 9,198
Total Preferred & Common Equity		 7,826 8,294 8,280 8,199 8,747 8,809 9,198
Preferred Stock		 284 284 284 284 284 284 284
Total Common Equity		 7,542 8,010 7,996 7,915 8,464 8,525 8,914
Common Stock		 6,163 6,140 6,153 6,167 6,141 6,155 6,168
Retained Earnings		 2,543 2,857 3,017 3,170 3,426 3,534 3,654
Treasury Stock		 -427 -398 -455 -506 -487 -536 -535
Accumulated Other Comprehensive Income / (Loss)		 -737 -588 -719 -916 -616 -628 -373

Annual Metrics And Ratios for Webster Financial

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 8.65% 8.93% 7.40% 12.64% 4.30% -5.14% 4.06% 102.14% 7.13% -2.31%
EBITDA Growth		 3.74% 2.65% 9.86% 21.76% 10.00% -30.82% 76.17% 26.03% 34.72% -11.19%
EBIT Growth		 2.08% 1.91% 16.59% 24.83% 10.20% -42.47% 90.68% 49.47% 35.91% -6.22%
NOPAT Growth		 2.50% 1.17% 23.32% 41.10% 6.19% -42.35% 85.32% 57.58% 34.70% -11.42%
Net Income Growth		 2.50% 1.17% 23.32% 41.10% 6.19% -42.35% 85.32% 57.58% 34.70% -11.42%
EPS Growth		 2.40% 1.41% 23.61% 42.70% 6.56% -42.12% 88.09% -15.84% 31.99% -11.00%
Operating Cash Flow Growth		 24.61% 31.49% 11.76% 5.49% -35.27% 25.24% 80.95% 94.01% -26.75% 43.49%
Free Cash Flow Firm Growth		 143.11% -127.42% 1,566.83% -97.92% -1,545.89% 629.12% -83.24% -3,091.40% 133.81% -78.71%
Invested Capital Growth		 -1.94% 5.51% -17.70% 7.26% 15.33% -30.92% 1.95% 263.63% -17.07% 0.44%
Revenue Q/Q Growth		 2.07% 2.42% 1.45% 3.42% -0.65% -0.72% 1.93% 18.57% -2.56% 1.02%
EBITDA Q/Q Growth		 0.31% 2.17% 0.70% 7.97% 0.35% -5.71% 8.98% 21.71% -7.29% 0.66%
EBIT Q/Q Growth		 0.12% 2.15% 1.55% 9.58% -1.83% -12.85% 14.33% 27.29% -7.78% 3.62%
NOPAT Q/Q Growth		 0.29% 3.02% 5.03% 8.73% -2.14% -12.12% 14.25% 26.19% -6.40% -0.98%
Net Income Q/Q Growth		 0.29% 3.02% 5.03% 8.73% -2.14% -12.12% 14.25% 26.19% -6.40% -0.98%
EPS Q/Q Growth		 0.47% 3.35% 5.53% 8.55% -2.17% -11.65% 14.81% 10.06% -8.91% -1.35%
Operating Cash Flow Q/Q Growth		 32.66% 29.26% -12.90% -26.78% 189.14% 14.18% 0.79% 3.96% -16.08% 133.74%
Free Cash Flow Firm Q/Q Growth		 249.92% -174.46% 4.18% -88.20% -70.81% 1,212.42% -71.42% -17.59% -0.83% 153.94%
Invested Capital Q/Q Growth		 1.25% 5.08% 5.32% 10.15% 11.82% -28.75% -14.99% 6.67% 7.86% -8.76%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 42.88% 40.41% 41.34% 44.68% 47.12% 34.37% 58.18% 36.27% 45.61% 41.47%
EBIT Margin		 33.00% 30.87% 33.51% 37.14% 39.24% 23.79% 43.60% 32.24% 40.90% 39.26%
Profit (Net Income) Margin		 22.69% 21.07% 24.19% 30.31% 30.85% 18.75% 33.39% 26.03% 32.73% 29.68%
Tax Burden Percent		 68.76% 68.26% 72.20% 81.61% 78.64% 78.80% 76.59% 80.74% 80.02% 75.59%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 31.24% 31.74% 27.80% 18.39% 21.36% 21.20% 23.41% 19.26% 19.98% 24.41%
Return on Invested Capital (ROIC)		 3.82% 3.80% 5.01% 7.55% 7.20% 4.58% 10.29% 6.93% 6.50% 6.34%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.82% 3.80% 5.01% 7.55% 7.20% 4.58% 10.29% 6.93% 6.50% 6.34%
Return on Net Nonoperating Assets (RNNOA)		 4.82% 4.58% 4.76% 5.35% 5.36% 2.27% 1.97% 4.28% 3.86% 2.29%
Return on Equity (ROE)		 8.64% 8.38% 9.77% 12.90% 12.56% 6.85% 12.25% 11.21% 10.36% 8.63%
Cash Return on Invested Capital (CROIC)		 5.79% -1.56% 24.43% 0.54% -7.04% 41.15% 8.36% -106.80% 25.17% 5.90%
Operating Return on Assets (OROA)		 1.26% 1.20% 1.35% 1.63% 1.68% 0.89% 1.58% 1.50% 1.48% 1.32%
Return on Assets (ROA)		 0.87% 0.82% 0.97% 1.33% 1.32% 0.70% 1.21% 1.21% 1.19% 1.00%
Return on Common Equity (ROCE)		 8.14% 7.97% 9.27% 12.23% 11.96% 6.54% 11.72% 10.79% 10.01% 8.35%
Return on Equity Simple (ROE_SIMPLE)		 8.48% 8.61% 9.99% 13.15% 11.93% 6.82% 11.89% 8.00% 9.99% 8.42%
Net Operating Profit after Tax (NOPAT)		 205 207 255 360 383 221 409 644 868 769
NOPAT Margin		 22.69% 21.07% 24.19% 30.31% 30.85% 18.75% 33.39% 26.03% 32.73% 29.68%
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%
SG&A Expenses to Revenue		 49.12% 49.51% 49.62% 46.72% 46.29% 53.19% 49.02% 42.03% 37.93% 40.49%
Operating Expenses to Revenue		 61.54% 63.40% 62.62% 59.33% 57.72% 64.50% 60.85% 56.42% 53.42% 52.17%
Earnings before Interest and Taxes (EBIT)		 298 303 354 442 487 280 534 798 1,085 1,017
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 387 397 436 531 584 404 712 898 1,210 1,074
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.13 1.62 1.59 1.35 1.34 1.08 1.40 0.98 1.00 1.06
Price to Tangible Book Value (P/TBV)		 1.51 2.12 2.04 1.70 1.64 1.32 1.68 1.50 1.51 1.67
Price to Revenue (P/Rev)		 2.87 3.95 3.84 3.11 3.31 2.85 3.75 3.08 3.16 3.63
Price to Earnings (P/E)		 13.25 19.57 16.43 10.50 10.97 15.74 11.46 12.11 9.86 12.50
Dividend Yield		 3.15% 2.31% 2.34% 3.12% 3.43% 4.31% 3.15% 3.66% 3.28% 2.92%
Earnings Yield		 7.55% 5.11% 6.09% 9.52% 9.12% 6.35% 8.73% 8.25% 10.15% 8.00%
Enterprise Value to Invested Capital (EV/IC)		 0.99 1.23 1.27 1.13 1.14 1.00 1.21 0.93 0.86 0.87
Enterprise Value to Revenue (EV/Rev)		 5.81 6.97 5.54 4.68 5.23 3.34 3.96 5.49 3.91 4.10
Enterprise Value to EBITDA (EV/EBITDA)		 13.55 17.26 13.40 10.47 11.10 9.72 6.81 15.14 8.57 9.90
Enterprise Value to EBIT (EV/EBIT)		 17.61 22.59 16.52 12.59 13.33 14.04 9.09 17.03 9.56 10.45
Enterprise Value to NOPAT (EV/NOPAT)		 25.62 33.10 22.89 15.43 16.95 17.82 11.87 21.09 11.95 13.83
Enterprise Value to Operating Cash Flow (EV/OCF)		 17.32 17.22 13.14 11.85 21.35 10.33 7.05 10.17 10.59 7.57
Enterprise Value to Free Cash Flow (EV/FCFF)		 16.93 0.00 4.69 214.70 0.00 1.98 14.61 0.00 3.09 14.87
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.20 1.21 0.70 0.71 0.78 0.22 0.17 0.81 0.39 0.33
Long-Term Debt to Equity		 1.20 1.21 0.70 0.71 0.78 0.22 0.17 0.81 0.39 0.33
Financial Leverage		 1.26 1.21 0.95 0.71 0.75 0.50 0.19 0.62 0.59 0.36
Leverage Ratio		 9.96 10.26 10.05 9.68 9.52 9.78 10.12 9.24 8.73 8.64
Compound Leverage Factor		 9.96 10.26 10.05 9.68 9.52 9.78 10.12 9.24 8.73 8.64
Debt to Total Capital		 54.48% 54.84% 41.32% 41.56% 43.69% 17.81% 14.30% 44.78% 28.17% 24.85%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 54.48% 54.84% 41.32% 41.56% 43.69% 17.81% 14.30% 44.78% 28.17% 24.85%
Preferred Equity to Total Capital		 2.31% 0.00% 0.00% 0.00% 2.55% 3.69% 3.61% 1.95% 2.35% 2.34%
Noncontrolling Interests to Total Capital		 0.00% 2.19% 3.15% 2.94% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 43.20% 42.97% 55.53% 55.50% 53.76% 78.51% 82.08% 53.27% 69.48% 72.82%
Debt to EBITDA		 7.47 7.72 4.36 3.86 4.26 1.73 0.81 7.28 2.82 2.81
Net Debt to EBITDA		 6.55 7.17 3.77 3.24 3.82 1.08 0.16 6.34 1.40 0.88
Long-Term Debt to EBITDA		 7.47 7.72 4.36 3.86 4.26 1.73 0.81 7.28 2.82 2.81
Debt to NOPAT		 14.11 14.81 7.45 5.70 6.50 3.18 1.40 10.14 3.93 3.93
Net Debt to NOPAT		 12.38 13.75 6.44 4.78 5.83 1.98 0.27 8.84 1.95 1.23
Long-Term Debt to NOPAT		 14.11 14.81 7.45 5.70 6.50 3.18 1.40 10.14 3.93 3.93
Noncontrolling Interest Sharing Ratio		 5.79% 4.97% 5.12% 5.19% 4.76% 4.50% 4.35% 3.73% 3.39% 3.19%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 310 -85 1,246 26 -375 1,982 332 -9,933 3,359 715
Operating Cash Flow to CapEx		 853.78% 1,016.17% 1,766.51% 1,449.19% 1,181.51% 1,864.16% 5,151.05% 4,693.81% 2,929.30% 4,829.92%
Free Cash Flow to Firm to Interest Expense		 3.25 -0.82 10.62 0.17 -1.88 17.91 7.95 -39.66 2.60 0.45
Operating Cash Flow to Interest Expense		 3.17 3.85 3.79 3.16 1.52 3.44 16.49 5.33 0.76 0.88
Operating Cash Flow Less CapEx to Interest Expense		 2.80 3.47 3.58 2.94 1.39 3.25 16.17 5.22 0.73 0.87
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.04 0.03
Fixed Asset Turnover		 7.18 7.37 7.90 9.33 6.28 4.73 5.68 7.80 6.17 6.19
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 5,303 5,595 4,605 4,939 5,697 3,935 4,012 14,590 12,099 12,153
Invested Capital Turnover		 0.17 0.18 0.21 0.25 0.23 0.24 0.31 0.27 0.20 0.21
Increase / (Decrease) in Invested Capital		 -105 292 -991 335 757 -1,761 77 10,578 -2,491 54
Enterprise Value (EV)		 5,245 6,855 5,846 5,562 6,486 3,931 4,852 13,590 10,367 10,632
Market Capitalization		 2,588 3,884 4,055 3,693 4,110 3,349 4,595 7,612 8,390 9,403
Book Value per Share		 $24.99 $26.21 $27.77 $29.72 $33.28 $34.25 $36.35 $44.67 $48.86 $51.63
Tangible Book Value per Share		 $18.69 $19.98 $21.60 $23.61 $27.19 $28.04 $30.21 $29.07 $32.39 $32.94
Total Capital		 5,303 5,595 4,605 4,939 5,697 3,935 4,012 14,590 12,099 12,153
Total Debt		 2,889 3,068 1,903 2,053 2,489 701 574 6,534 3,409 3,019
Total Long-Term Debt		 2,889 3,068 1,903 2,053 2,489 701 574 6,534 3,409 3,019
Net Debt		 2,534 2,848 1,646 1,723 2,231 438 112 5,694 1,693 945
Capital Expenditures (CapEx)		 35 39 25 32 26 20 13 28 33 29
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 2,889 3,068 1,903 2,053 2,489 701 574 6,534 3,409 3,019
Total Depreciation and Amortization (D&A)		 89 94 83 90 98 124 178 100 125 57
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.17 $2.17 $2.68 $3.83 $4.07 $2.35 $4.43 $3.72 $4.91 $4.38
Adjusted Weighted Average Basic Shares Outstanding		 91.42M 92.02M 92.11M 92.29M 91.63M 90.29M 179.59M 174.01M 171.75M 171.35M
Adjusted Diluted Earnings per Share		 $2.15 $2.16 $2.67 $3.81 $4.06 $2.35 $4.42 $3.72 $4.91 $4.37
Adjusted Weighted Average Diluted Shares Outstanding		 91.42M 92.02M 92.11M 92.29M 91.63M 90.29M 179.59M 174.01M 171.75M 171.35M
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		 91.42M 92.02M 92.11M 92.29M 91.63M 90.29M 179.59M 174.01M 171.75M 171.35M
Normalized Net Operating Profit after Tax (NOPAT)		 205 207 255 360 383 221 409 644 868 769
Normalized NOPAT Margin		 22.69% 21.07% 24.19% 30.31% 30.85% 18.75% 33.39% 26.03% 32.73% 29.68%
Pre Tax Income Margin		 33.00% 30.87% 33.51% 37.14% 39.24% 23.79% 43.60% 32.24% 40.90% 39.26%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 3.12 2.93 3.02 2.97 2.44 2.53 12.79 3.19 0.84 0.64
NOPAT to Interest Expense		 2.15 2.00 2.18 2.43 1.92 1.99 9.79 2.57 0.67 0.48
EBIT Less CapEx to Interest Expense		 2.75 2.56 2.80 2.76 2.31 2.35 12.47 3.07 0.81 0.62
NOPAT Less CapEx to Interest Expense		 1.77 1.62 1.96 2.21 1.79 1.81 9.47 2.46 0.65 0.47
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 43.80% 47.13% 40.22% 34.08% 38.84% 69.28% 37.34% 40.59% 33.97% 37.88%
Augmented Payout Ratio		 52.51% 58.25% 44.75% 37.45% 43.97% 103.98% 37.34% 94.25% 48.29% 48.63%

Quarterly Metrics And Ratios for Webster Financial

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

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 112.03% 122.31% 33.67% 10.80% 1.94% -9.90% 0.16% -8.71% -4.41% 4.12%
EBITDA Growth		 87.68% 87.23% 864.46% 19.36% -4.29% -27.43% -3.53% -23.83% -17.57% 3.25%
EBIT Growth		 137.52% 120.43% 669.71% 25.51% -6.58% -29.23% -0.41% -22.86% -12.13% 16.01%
NOPAT Growth		 144.45% 120.42% 727.09% 28.88% -3.20% -24.25% -2.12% -22.70% -14.79% -4.11%
Net Income Growth		 144.45% 120.42% 1,419.66% 28.88% -3.20% -24.25% -2.12% -22.70% -14.79% -4.11%
EPS Growth		 27.18% 28.10% 985.71% 32.00% -2.29% -30.97% -0.81% -21.97% -14.06% -5.61%
Operating Cash Flow Growth		 179.49% 22.66% -0.45% -41.12% 1.26% -68.10% 13.71% -10.18% -89.39% 914.99%
Free Cash Flow Firm Growth		 -1,069.53% -30,280.40% -53.94% 96.26% 130.79% 125.90% 157.92% 502.51% -171.06% -95.36%
Invested Capital Growth		 189.81% 263.63% 86.33% 4.18% -17.99% -17.07% -24.95% -8.03% 18.74% 0.44%
Revenue Q/Q Growth		 9.39% 6.01% -5.47% 1.07% 0.64% -6.30% 5.08% -7.87% 5.37% 2.06%
EBITDA Q/Q Growth		 18.73% 6.17% -5.79% 0.25% -4.80% -19.49% 25.55% -20.84% 3.02% 0.83%
EBIT Q/Q Growth		 25.69% 5.08% -8.41% 3.76% -6.44% -20.41% 28.90% -19.64% 6.57% 5.08%
NOPAT Q/Q Growth		 28.33% 4.61% -9.70% 6.32% -3.61% -18.14% 16.68% -16.04% 6.25% -7.89%
Net Income Q/Q Growth		 28.33% 4.61% -9.70% 6.32% -3.61% -18.14% 16.68% -16.04% 6.25% -7.89%
EPS Q/Q Growth		 31.00% 18.32% -20.00% 6.45% -3.03% -16.41% 14.95% -16.26% 6.80% -8.18%
Operating Cash Flow Q/Q Growth		 -0.40% -34.74% -22.16% 16.37% 71.30% -79.44% 177.49% -8.08% -79.77% 1,867.06%
Free Cash Flow Firm Q/Q Growth		 -1.37% -18.44% 20.39% 96.09% 934.22% -0.37% 114.82% -72.80% -247.28% 106.50%
Invested Capital Q/Q Growth		 2.61% 6.67% 24.97% -23.84% -19.22% 7.86% 8.97% -6.67% 4.29% -8.76%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 48.71% 48.79% 48.75% 48.35% 45.74% 39.30% 46.95% 40.34% 39.44% 38.97%
EBIT Margin		 44.84% 44.45% 43.06% 44.21% 41.10% 34.91% 42.82% 37.35% 37.78% 38.90%
Profit (Net Income) Margin		 35.20% 34.74% 33.18% 34.90% 33.43% 29.20% 32.43% 29.55% 29.80% 26.89%
Tax Burden Percent		 78.50% 78.15% 77.05% 78.95% 81.34% 83.66% 75.73% 79.12% 78.88% 69.14%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.50% 21.85% 22.95% 21.05% 18.66% 16.34% 24.27% 20.88% 21.12% 30.86%
Return on Invested Capital (ROIC)		 7.99% 9.24% 6.26% 6.95% 7.31% 5.80% 5.39% 5.75% 6.23% 5.75%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.99% 9.24% 6.26% 6.95% 7.31% 5.80% 5.39% 5.75% 6.23% 5.75%
Return on Net Nonoperating Assets (RNNOA)		 5.12% 5.72% 4.39% 4.67% 4.04% 3.45% 4.70% 3.22% 2.56% 2.07%
Return on Equity (ROE)		 13.11% 14.96% 10.65% 11.62% 11.35% 9.25% 10.10% 8.97% 8.78% 7.82%
Cash Return on Invested Capital (CROIC)		 -91.83% -106.80% -54.00% 2.78% 27.21% 25.17% 33.91% 14.44% -10.81% 5.90%
Operating Return on Assets (OROA)		 1.79% 2.07% 1.63% 1.69% 1.57% 1.27% 1.50% 1.28% 1.27% 1.31%
Return on Assets (ROA)		 1.41% 1.62% 1.25% 1.33% 1.28% 1.06% 1.14% 1.02% 1.00% 0.90%
Return on Common Equity (ROCE)		 12.61% 14.40% 10.28% 11.21% 10.95% 8.93% 9.76% 8.67% 8.50% 7.57%
Return on Equity Simple (ROE_SIMPLE)		 6.52% 0.00% 10.63% 11.29% 11.31% 0.00% 9.87% 9.19% 8.44% 0.00%
Net Operating Profit after Tax (NOPAT)		 234 245 221 235 226 185 216 182 193 178
NOPAT Margin		 35.20% 34.74% 33.18% 34.90% 33.43% 29.20% 32.43% 29.55% 29.80% 26.89%
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%
SG&A Expenses to Revenue		 37.12% 35.19% 36.22% 37.22% 38.23% 40.18% 38.69% 40.90% 42.39% 40.05%
Operating Expenses to Revenue		 49.66% 49.45% 49.92% 51.11% 53.52% 59.42% 50.36% 53.05% 53.88% 51.50%
Earnings before Interest and Taxes (EBIT)		 298 313 287 298 278 222 286 230 245 257
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 324 344 325 325 310 249 313 248 255 258
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.98 0.98 0.81 0.79 0.84 1.00 1.01 0.87 0.89 1.06
Price to Tangible Book Value (P/TBV)		 1.53 1.50 1.26 1.23 1.32 1.51 1.65 1.40 1.39 1.67
Price to Revenue (P/Rev)		 3.54 3.08 2.45 2.33 2.46 3.16 3.24 2.86 3.09 3.63
Price to Earnings (P/E)		 14.88 12.11 7.49 6.87 7.34 9.86 10.14 9.35 10.44 12.50
Dividend Yield		 3.80% 3.66% 4.30% 4.43% 4.15% 3.28% 3.21% 3.70% 3.46% 2.92%
Earnings Yield		 6.72% 8.25% 13.36% 14.55% 13.62% 10.15% 9.86% 10.70% 9.58% 8.00%
Enterprise Value to Invested Capital (EV/IC)		 0.94 0.93 0.78 0.78 0.70 0.86 0.90 0.79 0.69 0.87
Enterprise Value to Revenue (EV/Rev)		 6.19 5.49 5.40 4.00 2.87 3.91 4.62 3.90 3.56 4.10
Enterprise Value to EBITDA (EV/EBITDA)		 17.51 15.14 11.27 8.22 5.99 8.57 10.23 9.03 8.56 9.90
Enterprise Value to EBIT (EV/EBIT)		 20.60 17.03 12.57 9.06 6.64 9.56 11.32 9.97 9.31 10.45
Enterprise Value to NOPAT (EV/NOPAT)		 25.30 21.09 16.17 11.59 8.43 11.95 14.20 12.50 11.77 13.83
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.05 10.17 10.69 9.34 6.70 10.59 12.16 10.30 15.21 7.57
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 28.69 2.31 3.09 2.27 5.26 0.00 14.87
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.75 0.81 1.20 0.68 0.37 0.39 0.56 0.45 0.45 0.33
Long-Term Debt to Equity		 0.59 0.81 1.16 0.65 0.35 0.39 0.52 0.42 0.44 0.33
Financial Leverage		 0.64 0.62 0.70 0.67 0.55 0.59 0.87 0.56 0.41 0.36
Leverage Ratio		 9.31 9.24 8.50 8.70 8.87 8.73 8.86 8.83 8.77 8.64
Compound Leverage Factor		 9.31 9.24 8.50 8.70 8.87 8.73 8.86 8.83 8.77 8.64
Debt to Total Capital		 42.78% 44.78% 54.51% 40.37% 26.91% 28.17% 36.07% 31.02% 30.94% 24.85%
Short-Term Debt to Total Capital		 9.25% 0.00% 1.68% 1.75% 1.40% 0.00% 2.64% 1.88% 0.75% 0.00%
Long-Term Debt to Total Capital		 33.53% 44.78% 52.83% 38.62% 25.50% 28.17% 33.43% 29.15% 30.19% 24.85%
Preferred Equity to Total Capital		 2.08% 1.95% 1.56% 2.05% 2.53% 2.35% 2.08% 2.22% 2.13% 2.34%
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		 55.15% 53.27% 43.93% 57.58% 70.56% 69.48% 61.85% 66.75% 66.93% 72.82%
Debt to EBITDA		 7.93 7.28 7.85 4.25 2.31 2.82 4.12 3.53 3.86 2.81
Net Debt to EBITDA		 7.10 6.34 5.93 3.22 0.65 1.40 2.83 2.16 0.87 0.88
Long-Term Debt to EBITDA		 6.22 7.28 7.61 4.07 2.19 2.82 3.81 3.32 3.77 2.81
Debt to NOPAT		 11.46 10.14 11.27 6.00 3.26 3.93 5.72 4.89 5.31 3.93
Net Debt to NOPAT		 10.26 8.84 8.51 4.54 0.91 1.95 3.93 3.00 1.19 1.23
Long-Term Debt to NOPAT		 8.98 10.14 10.92 5.74 3.09 3.93 5.30 4.60 5.18 3.93
Noncontrolling Interest Sharing Ratio		 3.83% 3.73% 3.45% 3.49% 3.54% 3.39% 3.33% 3.32% 3.26% 3.19%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -8,724 -10,333 -8,226 -322 2,686 2,676 4,765 1,296 -1,909 124
Operating Cash Flow to CapEx		 4,887.73% 2,689.40% 2,081.94% 2,661.91% 2,983.25% 1,388.82% 4,818.69% 2,658.33% 452.13% 7,223.57%
Free Cash Flow to Firm to Interest Expense		 -131.06 -73.17 -34.91 -0.92 7.82 7.39 12.40 3.21 -4.61 0.32
Operating Cash Flow to Interest Expense		 6.34 1.95 0.91 0.71 1.24 0.24 0.63 0.55 0.11 2.31
Operating Cash Flow Less CapEx to Interest Expense		 6.21 1.88 0.87 0.69 1.20 0.23 0.62 0.53 0.09 2.27
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03
Fixed Asset Turnover		 6.48 7.80 5.74 6.18 6.28 6.17 6.21 6.15 6.09 6.19
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 13,677 14,590 18,232 13,886 11,217 12,099 13,684 12,771 13,319 12,153
Invested Capital Turnover		 0.23 0.27 0.19 0.20 0.22 0.20 0.17 0.19 0.21 0.21
Increase / (Decrease) in Invested Capital		 8,958 10,578 8,447 557 -2,460 -2,491 -4,548 -1,115 2,102 54
Enterprise Value (EV)		 12,916 13,590 14,266 10,837 7,813 10,367 12,261 10,125 9,136 10,632
Market Capitalization		 7,394 7,612 6,478 6,308 6,683 8,390 8,586 7,414 7,928 9,403
Book Value per Share		 $42.90 $44.67 $46.03 $45.76 $45.69 $48.86 $49.35 $49.71 $52.00 $51.63
Tangible Book Value per Share		 $27.42 $29.07 $29.59 $29.44 $29.27 $32.39 $30.40 $30.81 $33.26 $32.94
Total Capital		 13,677 14,590 18,232 13,886 11,217 12,099 13,684 12,771 13,319 12,153
Total Debt		 5,851 6,534 9,938 5,606 3,018 3,409 4,936 3,962 4,121 3,019
Total Long-Term Debt		 4,586 6,534 9,632 5,363 2,861 3,409 4,574 3,723 4,021 3,019
Net Debt		 5,238 5,694 7,504 4,245 846 1,693 3,391 2,426 924 945
Capital Expenditures (CapEx)		 8.63 10 10 9.37 14 6.32 5.06 8.43 10 12
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 5,851 6,534 9,938 5,606 3,018 3,409 4,936 3,962 4,121 3,019
Total Depreciation and Amortization (D&A)		 26 31 38 28 31 28 28 18 11 0.47
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.31 $1.55 $1.24 $1.32 $1.29 $1.06 $1.23 $1.03 $1.10 $1.02
Adjusted Weighted Average Basic Shares Outstanding		 174.01M 174.01M 174.74M 173.25M 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M
Adjusted Diluted Earnings per Share		 $1.31 $1.55 $1.24 $1.32 $1.28 $1.07 $1.23 $1.03 $1.10 $1.01
Adjusted Weighted Average Diluted Shares Outstanding		 174.01M 174.01M 174.74M 173.25M 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M
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		 174.01M 174.01M 174.74M 173.25M 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M
Normalized Net Operating Profit after Tax (NOPAT)		 234 245 221 235 226 185 216 182 193 178
Normalized NOPAT Margin		 35.20% 34.74% 33.18% 34.90% 33.43% 29.20% 32.43% 29.55% 29.80% 26.89%
Pre Tax Income Margin		 44.84% 44.45% 43.06% 44.21% 41.10% 34.91% 42.82% 37.35% 37.78% 38.90%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 4.48 2.22 1.22 0.85 0.81 0.61 0.74 0.57 0.59 0.67
NOPAT to Interest Expense		 3.51 1.73 0.94 0.67 0.66 0.51 0.56 0.45 0.47 0.46
EBIT Less CapEx to Interest Expense		 4.35 2.15 1.17 0.82 0.77 0.59 0.73 0.55 0.57 0.63
NOPAT Less CapEx to Interest Expense		 3.39 1.66 0.89 0.65 0.62 0.49 0.55 0.43 0.44 0.43
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 44.25% 40.59% 33.74% 31.77% 31.88% 33.97% 33.98% 36.11% 37.64% 37.88%
Augmented Payout Ratio		 105.94% 94.25% 56.40% 48.07% 45.53% 48.29% 50.74% 50.47% 48.30% 48.63%

Financials Breakdown Chart

Key Financial Trends

Webster Financial Corp (NYSE: WBS) - Financial Summary & Trends Analysis

Analyzing the quarterly financial data for Webster Financial Corp over the past four years reveals several key trends in income, expenses, cash flow, and balance sheet strength.

  • Consistent Net Interest Income Growth: Despite some quarterly fluctuations, net interest income has generally increased from $551 million in Q3 2022 to over $608 million in Q4 2024, indicating stable core earnings from loans and securities.
  • Strong Net Income Performance: The company reported net income attributable to common shareholders rising from approximately $230 million in Q2 2023 to about $174 million in Q4 2024 with quarterly variations but solid profitability throughout the period.
  • Robust Operating Cash Flow: Webster’s net cash from continuing operating activities remains strong, reaching $891 million in Q4 2024, reflecting healthy core operations and efficient working capital management.
  • Stable Provision for Credit Losses: Provisions have fluctuated but maintained moderate levels (approximately $43 million to $63 million per quarter), suggesting effective credit risk management amid varying economic conditions.
  • Moderate Dividend Stability: The company consistently paid quarterly dividends of $0.40 per share, indicating a stable return to shareholders and a commitment to income distribution.
  • Investment Securities Activity: Significant purchases and sales of investment securities each quarter imply active portfolio management, impacting investing cash flows notably (e.g., $-2 billion purchases vs. $900 million sales in recent quarters).
  • Share Repurchases Variable: Repurchase of common equity fluctuated with some quarters showing minimal repurchases and others with more substantial activity, affecting financing cash flows and equity structure.
  • Long-Term Debt Fluctuations: Issuance and repayment of long-term debt have varied widely each quarter, reflecting active debt management to optimize capital structure and fund growth or manage liquidity.
  • Non-Interest Income Volatility: Items such as investment banking income and realized/unrealized capital gains have been variable, sometimes negative, which can influence quarterly earnings volatility.
  • Rising Non-Interest Expenses: Total non-interest expenses have gradually increased, with notable items such as salaries, employee benefits, and occupancy costs trending upward (e.g., $335 million in Q4 2024), which could pressure future margins.

Overall Assessment: Webster Financial has demonstrated solid net interest income growth and stable profitability with strong operational cash flows, supported by active balance sheet and capital management. While non-interest expenses are rising and investment income can be volatile, the company remains well-positioned with consistent dividends and manageable credit loss provisions. Investors should monitor expense trends and capital deployment strategies but can view the company’s recent performance as fundamentally sound.

10/03/25 06:14 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Webster Financial's Financials

When does Webster Financial's financial year end?

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

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

Webster Financial's net income appears to be on an upward trend, with a most recent value of $768.71 million in 2024, rising from $204.73 million in 2015. The previous period was $867.84 million in 2023. Check out Webster Financial's forecast to explore projected trends and price targets.

How has Webster Financial's revenue changed over the last 9 years?

Over the last 9 years, Webster Financial's total revenue changed from $902.40 million in 2015 to $2.59 billion in 2024, a change of 187.0%.

How much debt does Webster Financial have?

Webster Financial's total liabilities were at $69.89 billion at the end of 2024, a 5.5% increase from 2023, and a 214.4% increase since 2015.

How much cash does Webster Financial have?

In the past 9 years, Webster Financial's cash and equivalents has ranged from $137.39 million in 2021 to $429.32 million in 2023, and is currently $388.06 million as of their latest financial filing in 2024.

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

Over the last 9 years, Webster Financial's book value per share changed from 24.99 in 2015 to 51.63 in 2024, a change of 106.6%.


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This page (NYSE:WBS) was last updated on 10/3/2025 by MarketBeat.com Staff
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