Webster Financial (WBS) Financials

$51.57 -0.53 (-1.02%)

Closing price 03:59 PM Eastern

Extended Trading

$51.50 -0.07 (-0.14%)

As of 04:49 PM Eastern

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

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

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

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

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

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

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

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

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

Frequently Asked Questions About Webster Financial's Financials

When does Webster Financial's fiscal year end?

According to the most recent income statement we have on file, Webster Financial's financial year ends in December. Their financial 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. Find out what analysts predict for Webster Financial in the coming months.

How has Webster Financial 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 5/30/2025 by MarketBeat.com Staff

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Webster Financial (WBS) Financials

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Webster Financial (WBS) Financials

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