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Wintrust Financial Corp (WTFC)
NASDAQ:WTFC
US Market
WTFC
Wintrust Financial
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Wintrust Financial (WTFC) Ratios

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Wintrust Financial Ratios

WTFC's free cash flow for Q4 2025 was $0.63. For the 2025 fiscal year, WTFC's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.27 0.14 0.17 0.14 0.14
Quick Ratio
 0.27 0.14 0.17 0.14 0.14
Cash Ratio
 0.06 <0.01 0.09 0.05 0.06
Solvency Ratio
 0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.03 0.02 0.01 0.02 0.03
Short-Term Operating Cash Flow Coverage
 5.04 0.00 0.00 55.43 4.47
Net Current Asset Value
$ -48.63B$ -57.18B$ -49.75B$ -44.36B$ -41.71B
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.06 0.07 0.07 0.07
Debt-to-Equity Ratio
 0.59 0.62 0.67 0.68 0.75
Debt-to-Capital Ratio
 0.37 0.38 0.40 0.40 0.43
Long-Term Debt-to-Capital Ratio
 0.35 0.38 0.40 0.40 0.41
Financial Leverage Ratio
 9.78 9.80 10.23 10.42 11.04
Debt Service Coverage Ratio
 0.50 0.61 0.52 0.66 1.06
Interest Coverage Ratio
 0.78 0.74 0.63 0.80 2.78
Debt to Market Cap
 0.43 0.48 0.53 0.65 0.72
Interest Debt Per Share
 86.79 89.38 90.34 77.17 65.12
Net Debt to EBITDA
 0.61 3.33 -0.60 1.24 1.44
Profitability Margins
Gross Profit Margin
62.85%62.19%59.25%64.85%85.03%
EBIT Margin
27.19%26.43%23.88%25.40%31.72%
EBITDA Margin
28.58%28.53%26.40%27.95%35.44%
Operating Profit Margin
27.20%26.44%23.88%25.40%31.72%
Pretax Profit Margin
27.20%26.44%23.88%25.40%31.72%
Net Profit Margin
20.11%19.48%17.53%18.71%23.08%
Continuous Operations Profit Margin
20.11%19.48%17.53%18.71%23.08%
Net Income Per EBT
73.93%73.66%73.39%73.68%72.75%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.19%1.16%1.07%1.11%0.96%
Return on Equity (ROE)
11.93%11.35%10.96%11.53%10.63%
Return on Capital Employed (ROCE)
9.04%4.93%7.66%9.34%8.66%
Return on Invested Capital (ROIC)
6.51%3.63%5.62%6.87%6.07%
Return on Tangible Assets
1.21%1.17%1.09%1.12%0.98%
Earnings Yield
8.48%8.80%8.75%10.98%10.19%
Efficiency Ratios
Receivables Turnover
 2.69 0.00 219.09 4.74 2.35
Payables Turnover
 0.00 0.00 0.00 0.65 0.20
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 5.51 5.41 3.75 3.23 2.17
Asset Turnover
 0.06 0.06 0.06 0.06 0.04
Working Capital Turnover Ratio
 -0.10 -0.10 -0.09 -0.08 -0.06
Cash Conversion Cycle
 135.90 0.00 1.67 -484.75 -1.66K
Days of Sales Outstanding
 135.90 0.00 1.67 76.93 155.04
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 561.69 1.82K
Operating Cycle
 135.90 0.00 1.67 76.93 155.04
Cash Flow Ratios
Operating Cash Flow Per Share
 25.54 13.59 11.33 12.17 23.22
Free Cash Flow Per Share
 25.20 12.85 9.98 11.41 22.32
CapEx Per Share
 0.34 0.75 1.35 0.76 0.90
Free Cash Flow to Operating Cash Flow
 0.99 0.95 0.88 0.94 0.96
Dividend Paid and CapEx Coverage Ratio
 8.70 4.15 3.15 4.33 8.51
Capital Expenditure Coverage Ratio
 74.59 18.22 8.39 16.04 25.73
Operating Cash Flow Coverage Ratio
 0.40 0.20 0.17 0.20 0.38
Operating Cash Flow to Sales Ratio
 0.40 0.22 0.18 0.22 0.62
Free Cash Flow Yield
16.62%9.19%8.00%12.31%26.41%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.79 11.37 11.43 9.11 9.82
Price-to-Sales (P/S) Ratio
 2.38 2.21 2.00 1.70 2.27
Price-to-Book (P/B) Ratio
 1.38 1.29 1.25 1.05 1.04
Price-to-Free Cash Flow (P/FCF) Ratio
 6.02 10.88 12.50 8.13 3.79
Price-to-Operating Cash Flow Ratio
 5.92 10.29 11.01 7.62 3.64
Price-to-Earnings Growth (PEG) Ratio
 0.66 1.07 1.48 0.47 1.68
Price-to-Fair Value
 1.38 1.29 1.25 1.05 1.04
Enterprise Value Multiple
 8.93 11.08 6.99 7.34 7.83
Enterprise Value
 10.94B 13.38B 7.32B 6.83B 6.13B
EV to EBITDA
 8.93 11.08 6.99 7.34 7.83
EV to Sales
 2.55 3.16 1.85 2.05 2.77
EV to Free Cash Flow
 6.46 15.55 11.52 9.78 4.64
EV to Operating Cash Flow
 6.37 14.69 10.14 9.17 4.46
Tangible Book Value Per Share
 96.47 95.01 85.20 77.19 69.61
Shareholders’ Equity Per Share
 109.72 108.39 99.62 88.30 81.02
Tax and Other Ratios
Effective Tax Rate
 0.26 0.26 0.27 0.26 0.27
Revenue Per Share
 63.77 63.16 62.27 54.41 37.30
Net Income Per Share
 12.82 12.30 10.91 10.18 8.61
Tax Burden
 0.74 0.74 0.73 0.74 0.73
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.25 0.24 0.23 0.24 0.33
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 0.01 0.01
Income Quality
 1.99 1.11 1.04 1.20 2.70
Currency in USD