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STOCKS

Wintrust Financial (WTFC)

NASDAQ:WTFC

WTFC

Wintrust Financial

RESEARCH TOOLSreports

Wintrust Financial (WTFC) Ratios

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214 Followers

Wintrust Financial Ratios

WTFC's free cash flow for Q3 2025 was $0.62. For the 2025 fiscal year, WTFC's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.14	0.17	0.14	6.15	9.51
Quick Ratio	0.14	0.17	0.14	6.15	15.42
Cash Ratio	<0.01	0.09	0.05	3.18	5.15
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.02	0.01	0.02	1.76	1.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	55.43	4.74	15.08
Net Current Asset Value	$ -57.18B	$ -49.75B	$ -44.36B	$ -43.36B	$ -34.97B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.07	0.07	0.07	0.05
Debt-to-Equity Ratio	0.62	0.67	0.68	0.81	0.54
Debt-to-Capital Ratio	0.38	0.40	0.40	0.45	0.35
Long-Term Debt-to-Capital Ratio	0.38	0.40	0.40	0.41	0.34
Financial Leverage Ratio	9.80	10.23	10.42	11.04	11.15
Debt Service Coverage Ratio	0.61	0.52	0.66	-0.35	2.33
Interest Coverage Ratio	0.74	0.63	0.80	0.49	4.24
Debt to Market Cap	0.45	0.53	0.65	0.72	0.47
Interest Debt Per Share	89.38	90.34	77.17	70.02	45.20
Net Debt to EBITDA	3.32	-0.60	1.24	0.00	-4.82
Profitability Margins
Gross Profit Margin	62.19%	59.25%	64.85%	100.00%	100.00%
EBIT Margin	26.43%	23.88%	25.40%	-4.20%	34.86%
EBITDA Margin	28.54%	26.40%	27.95%	0.00%	40.82%
Operating Profit Margin	26.44%	23.88%	25.40%	6.37%	37.35%
Pretax Profit Margin	26.44%	23.88%	25.40%	35.82%	37.35%
Net Profit Margin	19.48%	17.53%	18.71%	26.06%	27.30%
Continuous Operations Profit Margin	19.48%	17.53%	18.71%	26.06%	27.30%
Net Income Per EBT	73.66%	73.39%	73.68%	72.75%	73.09%
EBT Per EBIT	100.00%	100.00%	100.00%	562.63%	100.00%
Return on Assets (ROA)	1.16%	1.07%	1.11%	0.96%	0.93%
Return on Equity (ROE)	11.71%	10.96%	11.53%	10.63%	10.36%
Return on Capital Employed (ROCE)	4.93%	7.66%	9.34%	0.24%	1.30%
Return on Invested Capital (ROIC)	3.63%	5.62%	6.87%	1.55%	2.79%
Return on Tangible Assets	1.17%	1.09%	1.12%	0.98%	0.94%
Earnings Yield	8.34%	8.75%	10.98%	10.19%	9.01%
Efficiency Ratios
Receivables Turnover	0.00	219.09	4.74	2.09	0.67
Payables Turnover	0.00	0.00	0.65	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.41	3.75	3.23	1.92	1.69
Asset Turnover	0.06	0.06	0.06	0.04	0.03
Working Capital Turnover Ratio	-0.10	-0.09	-0.08	0.29	0.19
Cash Conversion Cycle	0.00	1.67	-484.75	175.05	548.12
Days of Sales Outstanding	0.00	1.67	76.93	175.05	548.12
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	561.69	0.00	0.00
Operating Cycle	0.00	1.67	76.93	175.05	548.12
Cash Flow Ratios
Operating Cash Flow Per Share	17.16	11.33	12.17	23.22	19.84
Free Cash Flow Per Share	16.98	9.98	11.41	22.32	18.84
CapEx Per Share	0.18	1.35	0.76	0.90	1.00
Free Cash Flow to Operating Cash Flow	0.99	0.88	0.94	0.96	0.95
Dividend Paid and CapEx Coverage Ratio	6.50	3.15	4.33	8.51	7.26
Capital Expenditure Coverage Ratio	93.64	8.39	16.04	25.73	19.81
Operating Cash Flow Coverage Ratio	0.26	0.17	0.20	0.35	0.47
Operating Cash Flow to Sales Ratio	0.27	0.18	0.22	0.70	0.66
Free Cash Flow Yield	11.51%	8.00%	12.31%	26.41%	20.74%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.99	11.43	9.11	9.82	11.10
Price-to-Sales (P/S) Ratio	2.34	2.00	1.70	2.56	3.03
Price-to-Book (P/B) Ratio	1.36	1.25	1.05	1.04	1.15
Price-to-Free Cash Flow (P/FCF) Ratio	8.69	12.50	8.13	3.79	4.82
Price-to-Operating Cash Flow Ratio	8.59	11.01	7.62	3.64	4.58
Price-to-Earnings Growth (PEG) Ratio	2.50	1.48	0.47	1.68	0.18
Price-to-Fair Value	1.36	1.25	1.05	1.04	1.15
Enterprise Value Multiple	11.51	6.99	7.34	0.00	2.61
Enterprise Value	13.89B	7.32B	6.83B	6.42B	1.82B
EV to EBITDA	11.51	6.99	7.34	0.00	2.61
EV to Sales	3.28	1.85	2.05	3.28	1.06
EV to Free Cash Flow	12.21	11.52	9.78	4.86	1.69
EV to Operating Cash Flow	12.08	10.14	9.17	4.67	1.61
Tangible Book Value Per Share	95.01	85.20	77.19	69.61	66.94
Shareholders’ Equity Per Share	108.39	99.62	88.30	81.02	78.93
Tax and Other Ratios
Effective Tax Rate	0.26	0.27	0.26	0.27	0.27
Revenue Per Share	63.16	62.27	54.41	33.04	29.96
Net Income Per Share	12.30	10.91	10.18	8.61	8.18
Tax Burden	0.74	0.73	0.74	0.73	0.73
Interest Burden	1.00	1.00	1.00	-8.54	1.07
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.22	0.22	0.24	0.37	0.42
Stock-Based Compensation to Revenue	<0.01	<0.01	0.01	0.02	<0.01
Income Quality	1.46	1.04	1.20	2.70	2.43

Currency in USD