Wintrust Fincl Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Wintrust Fincl's revenue grew 13.7% year-over-year to $250.7M, a solid pace of expansion. This earns a growth score of 68/100.
Wintrust Fincl has elevated debt relative to equity (D/E of 9.23), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Wintrust Fincl converts 253.5% of revenue into free cash flow ($635.5M). This strong cash generation earns a score of 100/100.
Wintrust Fincl's ROE of 11.0% shows moderate profitability relative to equity, earning a score of 44/100. This is down from 11.5% the prior year.
Wintrust Fincl passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Wintrust Fincl generates $1.04 in operating cash flow ($721.6M OCF vs $695.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Wintrust Fincl (WTFC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Wintrust Fincl generated $250.7M in revenue in fiscal year 2024. This represents an increase of 13.7% from the prior year.
Wintrust Fincl generated $635.5M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 8.9% from the prior year.
Wintrust Fincl reported $695.0M in net income in fiscal year 2024. This represents an increase of 11.6% from the prior year.
Wintrust Fincl earned $10.31 per diluted share (EPS) in fiscal year 2024. This represents an increase of 7.6% from the prior year.
Wintrust Fincl held $458.5M in cash against $0 in long-term debt as of fiscal year 2024.
Wintrust Fincl paid $1.80 per share in dividends in fiscal year 2024. This represents an increase of 12.5% from the prior year.
Wintrust Fincl had 66M shares outstanding in fiscal year 2024. This represents an increase of 8.6% from the prior year.
Wintrust Fincl's net profit margin was 277.2% in fiscal year 2024, showing the share of revenue converted to profit. This is down 5.2 percentage points from the prior year.
Wintrust Fincl's ROE was 11.0% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the prior year.
Wintrust Fincl invested $86.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 85.4% from the prior year.
WTFC Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $963.8M+4.7% | $920.9M+3.8% | $887.0M+44.1% | $615.7M+4.1% | $591.8M-2.2% | $604.8M | N/A | $574.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $396.8M+6.0% | $374.2M+3.8% | $360.5M-11.2% | $406.0M+7.0% | $379.4M+11.1% | $341.3M | N/A | $300.0M |
| Income Tax | $79.8M+11.5% | $71.6M+11.8% | $64.0M+2.1% | $62.7M+6.4% | $59.0M-5.9% | $62.7M | N/A | $60.7M |
| Net Income | $216.3M+10.6% | $195.5M+3.4% | $189.0M+11.2% | $170.0M+11.6% | $152.4M-18.6% | $187.3M | N/A | $164.2M |
| EPS (Diluted) | $2.780.0% | $2.78+3.3% | $2.69+8.9% | $2.47+6.5% | $2.32-19.7% | $2.89 | N/A | $2.53 |
WTFC Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $69.6B+0.9% | $69.0B+4.7% | $65.9B+1.5% | $64.9B+8.5% | $59.8B+3.8% | $57.6B+2.3% | $56.3B+1.3% | $55.6B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $565.5M-18.7% | $695.6M+12.9% | $616.3M+34.4% | $458.5M+10.4% | $415.5M+9.4% | $379.9M-10.3% | $423.5M+1.3% | $418.1M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | $13.5M | N/A | N/A | $15.2M | N/A |
| Goodwill | $797.6M-0.1% | $798.1M+0.2% | $796.9M0.0% | $796.9M+21.5% | $656.0M0.0% | $656.2M-0.1% | $656.7M+0.1% | $656.1M |
| Total Liabilities | $62.6B+1.3% | $61.8B+4.2% | $59.3B+1.3% | $58.5B+7.9% | $54.2B+4.0% | $52.1B+2.5% | $50.9B+0.6% | $50.5B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $7.0B-2.5% | $7.2B+9.5% | $6.6B+4.0% | $6.3B+14.6% | $5.5B+1.8% | $5.4B+0.7% | $5.4B+7.7% | $5.0B |
| Retained Earnings | $4.4B+3.7% | $4.2B+3.8% | $4.0B+3.8% | $3.9B+7.8% | $3.6B+3.3% | $3.5B+4.6% | $3.3B+2.8% | $3.3B |
WTFC Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $209.8M-36.3% | $329.2M+174.9% | $119.8M-75.6% | $490.8M+121.8% | $221.2M+211.1% | $71.1M-71.3% | $247.9M+180.9% | $88.3M |
| Capital Expenditures | N/A | N/A | N/A | $19.6M-50.0% | $39.2M+269.5% | $10.6M-38.3% | $17.2M-13.6% | $19.9M |
| Free Cash Flow | N/A | N/A | N/A | $471.2M+158.8% | $182.1M+200.8% | $60.5M-73.8% | $230.7M+237.5% | $68.4M |
| Investing Cash Flow | -$740.0M+74.9% | -$2.9B-202.8% | -$973.4M+43.4% | -$1.7B+19.9% | -$2.1B-51.2% | -$1.4B-132.8% | -$609.7M+56.3% | -$1.4B |
| Financing Cash Flow | $400.1M-85.2% | $2.7B+166.7% | $1.0B+5.9% | $955.0M-51.3% | $2.0B+50.2% | $1.3B+255.3% | $367.1M-69.7% | $1.2B |
| Dividends Paid | $46.8M+15.6% | $40.5M+0.3% | $40.3M+9.3% | $36.9M+4.7% | $35.2M+3.0% | $34.2M+8.9% | $31.4M-0.3% | $31.5M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
WTFC Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 22.4%+1.2pp | 21.2%-0.1pp | 21.3%-6.3pp | 27.6%+1.9pp | 25.8%-5.2pp | 31.0% | N/A | 28.6% |
| Return on Equity | 3.1%+0.4pp | 2.7%-0.2pp | 2.9%+0.2pp | 2.7%-0.1pp | 2.8%-0.7pp | 3.5% | N/A | 3.3% |
| Return on Assets | 0.3%+0.0pp | 0.3%0.0pp | 0.3%+0.0pp | 0.3%+0.0pp | 0.3%-0.1pp | 0.3% | N/A | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.88+0.3 | 8.55-0.4 | 8.98-0.2 | 9.23-0.6 | 9.80+0.2 | 9.59+0.2 | 9.42-0.7 | 10.08 |
| FCF Margin | N/A | N/A | N/A | -12.7%-43.5pp | 30.8%+20.8pp | 10.0% | N/A | 11.9% |
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Frequently Asked Questions
What is Wintrust Fincl's annual revenue?
Wintrust Fincl (WTFC) reported $250.7M in total revenue for fiscal year 2024. This represents a 13.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Wintrust Fincl's revenue growing?
Wintrust Fincl (WTFC) revenue grew by 13.7% year-over-year, from $220.4M to $250.7M in fiscal year 2024.
Is Wintrust Fincl profitable?
Yes, Wintrust Fincl (WTFC) reported a net income of $695.0M in fiscal year 2024, with a net profit margin of 277.2%.
What is Wintrust Fincl's earnings per share (EPS)?
Wintrust Fincl (WTFC) reported diluted earnings per share of $10.31 for fiscal year 2024. This represents a 7.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Wintrust Fincl's net profit margin?
Wintrust Fincl (WTFC) had a net profit margin of 277.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Wintrust Fincl pay dividends?
Yes, Wintrust Fincl (WTFC) paid $1.80 per share in dividends during fiscal year 2024.
What is Wintrust Fincl's return on equity (ROE)?
Wintrust Fincl (WTFC) has a return on equity of 11.0% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Wintrust Fincl's free cash flow?
Wintrust Fincl (WTFC) generated $635.5M in free cash flow during fiscal year 2024. This represents a -8.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Wintrust Fincl's operating cash flow?
Wintrust Fincl (WTFC) generated $721.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Wintrust Fincl's total assets?
Wintrust Fincl (WTFC) had $64.9B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Wintrust Fincl's capital expenditures?
Wintrust Fincl (WTFC) invested $86.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Wintrust Fincl have outstanding?
Wintrust Fincl (WTFC) had 66M shares outstanding as of fiscal year 2024.
What is Wintrust Fincl's debt-to-equity ratio?
Wintrust Fincl (WTFC) had a debt-to-equity ratio of 9.23 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Wintrust Fincl's return on assets (ROA)?
Wintrust Fincl (WTFC) had a return on assets of 1.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Wintrust Fincl's Piotroski F-Score?
Wintrust Fincl (WTFC) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Wintrust Fincl's earnings high quality?
Wintrust Fincl (WTFC) has an earnings quality ratio of 1.04x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Wintrust Fincl?
Wintrust Fincl (WTFC) scores 53 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.