Wintrust Financial Corporation logo WTFC - Wintrust Financial Corporation

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
1
BUY 14
HOLD 7
SELL 0
STRONG
SELL
0
| PRICE TARGET: $174.57 DETAILS
HIGH: $185.00
LOW: $160.00
MEDIAN: $175.00
CONSENSUS: $174.57
UPSIDE: 16.47%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue
Revenue 4,230.0 3,965.9 3,327.2 2,208.5 1,861.6 1,897.2 1,789.4 1,522.7 1,261.2 1,128.8 984.6 880.1 848.0 841.5 753.7 737.0 686.2 610.6 685.1 645.3 496.8 342.5 276.6 242.9 195.3 166.5 119.1 96.1 70 46.6 9.7
Cost of Revenue 1,599.5 1,616.1 1,169.6 330.7 91.3 467.3 384.1 240.7 144.2 124.3 109.9 93.2 126.1 183.9 247.1 301.9 383.7 327.6 364.9 316.1 197.0 110.2 94.5 94.4 100.3 92.2 65.3 55.5 41.7 26.1 0
Gross Profit 2,630.4 2,349.8 2,157.6 1,877.8 1,770.3 1,429.9 1,405.3 1,282.0 1,117.1 1,004.5 874.7 786.9 721.9 657.5 506.6 435.1 302.5 283.0 320.2 329.2 299.8 232.3 182.1 148.5 94.9 74.3 53.8 40.6 28.3 20.5 9.7
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 1,003.8 919.9 849.8 784.2 766.0 687.4 604.2 538.4 477.1 446.0 416.4 361.2 332.6 311.4 260.3 240.1 213.4 156.0 150.8 143.0 124.0 97.5 77.0 65.7 37.2 29.4 22.2 20.5 15.5 12.7 0
Other Expenses 508.2 482.8 462.7 393.1 366.6 352.7 321.0 283.4 249.9 226.6 206.6 179.2 164.9 165.9 118.3 94.2 (28.5) 96.4 85.6 82.0 70.9 54.0 45.8 40.2 28.6 28.4 17.5 15.4 11.8 10.1 8.7
Operating Expenses 1,512.0 1,402.7 1,312.5 1,177.3 1,132.5 1,040.1 925.2 821.8 727.1 672.6 622.9 540.5 497.5 477.4 378.6 334.3 185.0 252.4 236.4 225.0 194.9 151.4 122.7 106.0 65.8 57.8 39.7 35.9 27.3 22.8 8.7
Operating Income
Operating Income 1,118.4 947.1 845.1 700.6 637.8 389.8 480.1 460.1 390.0 331.9 251.8 246.4 224.4 180.1 128.0 100.8 117.5 30.6 83.8 104.2 105.0 80.9 59.3 42.5 29.1 16.4 14.2 4.7 1 (2.3) 1.0
Interest Expense 1,504.0 1,515.1 1,055.2 252.1 150.5 253.1 330.2 205.9 114.4 90.3 76.9 72.7 80.1 107.5 144.4 177.3 215.7 270.2 350.0 309.1 190.3 103.9 83.5 84.1 92.4 87.2 61.6 51.2 38.3 24.2 0
Interest Income 3,728.0 3,477.6 2,893.1 1,747.4 1,275.5 1,293.0 1,385.1 1,170.8 946.5 812.5 718.5 671.3 630.7 627.0 605.8 593.1 527.6 514.7 611.6 557.9 407.0 261.7 204.0 182.2 166.5 148.2 109.3 88 65.1 39.1 9.7
Profitability
EBITDA 1,206.9 1,047.2 929.8 782.6 739.6 486.1 568.5 527.8 453.1 385.0 292.8 284.2 250.6 204.8 147.5 119.0 138.0 51.2 103.8 121.9 119.1 90.7 70.4 54.2 36.6 24.8 17.9 7.3 2.7 (0.2) 1.0
EBIT 1,118.0 947.1 845.1 700.6 637.8 389.8 480.1 460.1 390.0 331.9 251.8 246.4 224.4 180.1 128.0 100.8 117.5 30.6 83.8 104.2 105.0 80.9 59.3 42.5 29.1 16.4 14.2 4.7 1 (2.3) 1.0
Income Before Tax 1,118.4 947.1 845.1 700.6 637.8 389.8 480.1 460.1 390.0 331.9 251.8 246.4 224.4 180.1 128.0 100.8 117.5 30.6 83.8 104.2 105.0 80.9 59.3 42.5 29.1 16.4 14.2 4.7 1 (2.3) 1.0
Income Tax Expense 294.6 252.0 222.5 190.9 171.6 96.8 124.4 117.0 132.3 125.0 95.0 95.0 87.2 68.9 50.5 37.5 44.4 10.2 28.2 37.7 37.9 29.6 21.2 14.6 10.4 5.3 4.7 (1.5) (3.8) (1.3) (0.5)
Net Income 823.8 695.0 622.6 509.7 466.2 293.0 355.7 343.2 257.7 206.9 156.7 151.4 137.2 111.2 77.6 63.3 73.1 20.5 55.7 66.5 67.0 51.3 38.1 27.9 18.4 11.2 9.4 6.2 4.8 (1) 1.5
Per Share Data
EPS (Basic) 11.58 10.47 9.72 8.14 7.69 4.72 6.11 5.95 4.53 3.83 3.05 3.12 3.33 2.81 2.08 1.08 2.23 0.78 2.31 2.66 2.89 2.49 2.11 1.71 1.34 0.85 0.76 0.51 0.41 -0.11 0.18
EPS (Diluted) 11.56 10.31 9.58 8.02 7.58 4.68 6.03 5.86 4.40 3.66 2.93 2.98 2.75 2.31 1.67 1.02 2.18 0.76 2.24 2.56 2.75 2.34 1.98 1.60 1.27 0.83 0.73 0.49 0.40 -0.11 0.16
Shares Outstanding 67.0 63.7 61.1 59.2 57.0 57.5 56.9 56.3 54.7 50.3 47.8 46.5 38.7 36.4 35.4 30.1 24.0 23.6 24.1 25.0 23.2 20.6 18.1 16.3 13.8 13.1 12.4 12.1 11.6 9.2 8.3
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Current Assets
Cash & Cash Equivalents 467.9 4,861.8 2,507.7 2,479.6 5,783.8 5,124.9 2,450.7 1,491.7 1,340.8 1,247.7 1,160.8 342.8 133.1 118.2 110.1 72.3 65.6 83.8 60.4 178.1 94.1 0
Short-Term Investments 6,236.3 3,901.2 3,291.4 3,020.1 2,066.8 2,779.0 3,106.2 2,126.1 1,803.7 1,724.7 1,255.1 784.7 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 18.1 701.3 938.1 26.1 17.4 16.6 276.1 116.4 25.2 20.9 806.5 161.5 157.0 133.4 38.9 34.7 35.9 30.1 14.9 16.4 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 6,704.1 8,781.1 6,500.5 6,437.8 7,876.6 7,921.4 5,573.5 3,893.9 3,260.9 2,997.5 2,436.7 1,933.9 294.7 275.1 243.5 111.2 100.3 119.8 90.5 193 110.5 0
Non-Current Assets
Property, Plant & Equipment 781.6 1,057.4 1,030.2 1,018.7 1,008.5 1,011.2 985.5 904.4 834.2 726.7 350.3 349.9 185.9 156.7 119.0 99.1 86.4 72.9 57 44.2 30.3 0
Goodwill 798.0 796.9 656.7 653.5 655.1 645.7 645.2 573.1 501.9 498.6 278.0 276.3 0 0 0 0 0 0 0 0 0 0
Intangible Assets 98.0 121.7 22.9 22.2 28.3 36.0 47.1 49.4 17.6 21.9 13.6 14.6 161.5 157.0 133.4 38.9 34.7 35.9 30.1 14.9 16.4 0
Long-Term Investments 53,105.1 52,091.2 46,288.0 43,200.1 38,653.0 33,978.6 28,206.0 25,034.1 22,642.9 20,691.8 8,589.2 7,612.4 5,762.3 4,203.2 3,175.8 2,433.0 1,740.7 1,475.3 1,199.1 814.4 563.3 258.2
Other Non-Current Assets 9,655.2 2,031.3 1,761.7 1,617.3 1,920.6 1,487.8 1,163.3 789.8 658.4 732.1 547.7 471.2 51.5 60.3 156.8 52.0 164.6 0 (0.1) 0 0 212.7
Total Non-Current Assets 64,437.9 56,098.6 49,759.4 46,511.8 42,265.5 37,159.4 31,047.1 27,350.9 24,655.1 22,671.1 9,778.9 8,724.4 6,124.4 4,472.3 3,478.0 2,594.2 2,002.5 1,559.6 1,257.5 860.4 595.5 470.9
Total Assets 71,142.0 64,879.7 56,259.9 52,949.6 50,142.1 45,080.8 36,620.6 31,244.8 27,916.0 25,668.6 12,215.6 10,658.3 6,419.0 4,747.4 3,721.6 2,705.4 2,102.8 1,679.4 1,348.0 1,053.4 706 470.9
Current Liabilities
Account Payables 0 0 1,799.9 1,646.6 1,122.2 0 1,039.5 669.6 537.2 505.4 171.0 121.7 79.5 126.0 98.8 33.8 51.7 23.6 12.6 11 0 0
Short-Term Debt 0 0 13.4 307.6 84.2 74.4 27.0 52.6 361.9 98.7 1 1 250.3 75.7 90.7 118.1 43.6 59.8 0 35.5 7.1 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 48,469.4 52,512.3 45,397.2 42,902.5 42,095.6 37,092.7 30,107.1 26,094.7 23,183.3 21,658.6 9,917.1 8,376.8 5,104.7 3,876.6 3,089.1 2,314.6 1,826.6 1,463.6 1,229.1 917.7 618.1 405.7
Total Current Liabilities 48,469.4 52,512.3 47,210.5 44,856.8 43,301.9 37,367.9 31,173.6 26,816.9 24,082.5 22,262.8 10,089.1 8,499.5 5,434.5 4,078.3 3,278.7 2,466.5 1,921.9 1,547.0 1,241.7 964.2 625.2 405.7
Non-Current Liabilities
Long-Term Debt 4,481.5 4,238.0 3,649.9 3,296.0 2,341.5 2,363.1 1,755.7 1,160.4 856.6 710.1 988.9 1,093.3 510.6 319.2 215.9 97.6 78.6 39.4 31.1 20.4 22.1 10.8
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 10,932.4 1,785.1 0 0 0 1,233.8 0 0 0 0 (1) (1) 0 0 0 0 0 0 0.0 0 16.1 14.0
Total Non-Current Liabilities 15,413.9 6,023.0 3,649.9 3,296.0 2,341.5 3,596.9 1,755.7 1,160.4 856.6 710.1 987.9 1,092.3 510.6 319.2 215.9 97.6 78.6 39.4 31.1 20.4 38.2 24.7
Total Liabilities 63,883.3 58,535.4 50,860.4 48,152.8 45,643.5 40,964.8 32,929.3 27,974.0 24,939.0 22,972.9 11,077.0 9,591.8 5,945.1 4,397.6 3,494.6 2,564.1 2,000.5 1,586.4 1,272.8 984.6 663.4 430.4
Stockholders' Equity
Common Stock 67.1 66.6 61.3 60.8 58.9 58.5 58.0 56.5 56.1 52.0 27.1 26.6 21.7 20.1 17.2 14.5 8.9 8.8 0 0 0 0
Retained Earnings 4,537.5 3,897.2 3,345.4 2,849.0 2,447.5 2,080.0 1,899.6 1,610.6 1,313.7 1,096.5 366.2 318.8 139.6 92.3 57.0 31.0 13.8 3.6 (5.9) (12.1) (17) 0
Accumulated Other Comprehensive Income (295.8) (508.3) (361.2) (427.6) 4.1 15.4 (34.7) (76.9) (41.8) (65.3) (6.6) (10.3) (6.5) (6.2) (0.8) (2.2) (0.3) (2.2) 0 0 0 0
Total Stockholders' Equity 7,258.7 6,344.3 5,399.5 4,796.8 4,498.7 4,116.0 3,691.2 3,267.6 2,976.9 2,695.6 1,138.6 1,066.6 473.9 349.8 227.0 141.3 102.3 92.9 75.2 68.8 42.6 40.5
Total Liabilities & Equity 71,142.0 64,879.7 56,259.9 52,949.6 50,142.1 45,080.8 36,620.6 31,241.5 27,916.0 25,668.6 12,215.6 10,658.3 6,419.0 4,747.4 3,721.6 2,705.4 2,102.8 1,679.4 1,348 1,053.4 706 470.9
Debt Metrics
Total Debt 4,481.5 4,238.0 3,663.3 3,603.6 2,425.7 2,437.4 1,782.7 1,213.0 1,218.4 808.9 989.9 1,094.3 760.9 394.9 306.6 215.7 122.3 99.2 31.1 55.9 29.2 10.8
Net Debt 4,013.6 (623.8) 1,155.6 1,124.0 (3,358.0) (2,687.5) (668.0) (278.8) (122.3) (438.8) (170.9) 751.5 627.8 276.7 196.5 143.4 56.7 15.4 (29.3) (122.2) (64.9) 10.8
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Operating Activities
Net Income 823.8 695.0 622.6 509.7 466.2 293.0 355.7 343.2 257.7 206.9 67.0 51.3 38.1 27.9 18.4 11.2 9.4 6.2 4.8 (1)
Depreciation & Amortization 118.8 100.1 84.8 82.1 101.8 96.4 88.4 67.7 63.1 53.1 14.1 9.8 11.0 11.7 7.5 8.4 3.8 2.6 1.7 2.1
Stock-Based Compensation 41.6 38.1 33.5 31.7 16.2 (4.9) 11.3 13.5 12.9 9.3 4.5 0 0 0 0 0 0 0 0 0
Change in Working Capital (104.5) (187.7) (38.6) 295.4 257.2 (85.4) (148.3) (147.4) (95.0) 71.5 0.4 13.4 6.3 57.0 (23.8) 27.7 2.0 (11) 0 (3)
Other Non-Cash Items (14.2) 65.0 61.8 434.0 292.4 (813.4) (85.7) 45.0 99.8 (36.5) 30.6 47.0 81.2 (38.5) (29.4) (1.0) 12.6 (4.1) 3.3 0.1
Operating Cash Flow 910.3 721.6 744.4 1,375 1,130.9 (518.5) 266.0 377.2 401.6 311.0 116.9 124.5 137.5 59.2 (25.5) 46.8 26.9 (8.3) 6 (3.3)
Investing Activities
Capital Expenditure (50.0) (86.0) (46.4) (53.4) (57.1) (63.6) (82.0) (68.3) (59.2) (33.9) (47.0) (30.6) (41.1) (27.4) (19.9) (19.5) (17.2) (15.5) (16.1) (7.9)
Acquisitions 0 531.3 (5.1) 0 (585.4) 0 (108.4) (53.9) (0.3) (613.6) (79.2) (7.4) 19.0 (7.7) 0 0 (4.2) 0 0 0
Purchases of Investments (5,127.8) (1,881.0) (2,711.4) (3,750.1) (3,734.2) (2,174.5) (2,757.3) (1,353.1) (1,076.0) (3,885.3) (1,827.6) (1,477.2) (4,643.3) (3,447.6) (1,938.5) (896.9) (383.7) (588.3) (124.5) (318.5)
Sales/Maturities of Investments 2,825.6 2,655.0 2,481.3 630.3 1,802.8 3,003.5 2,134.5 581.2 729.8 4,177.2 1,453.3 1,102.4 4,302.9 3,285.6 1,745.1 910.7 389.1 481.3 92.7 308.9
Other Investing Activities (3,816.5) (7,165.6) (2,956.1) (317.6) (3,355.0) (7,947.8) (3,205.7) (1,869.5) (1,897.5) (2,136.7) (452.5) (609.9) (606.1) (585.2) (471.7) (274.7) (272.6) (196.6) (288.3) (203.9)
Investing Cash Flow (6,168.6) (5,946.4) (3,237.8) (3,490.8) (5,928.9) (7,182.4) (4,018.9) (2,763.5) (2,303.2) (2,492.3) (953.0) (1,022.7) (968.6) (782.3) (685.1) (280.3) (288.7) (319.1) (336.2) (221.4)
Financing Activities
Net Debt Issuance 226.4 601.6 50.7 1,200.1 (15.2) 642.1 560.5 (10.7) 398.1 (721.7) (95.9) 223.2 74.1 43.4 93.4 23.0 49.6 (55.9) (1.7) 17.5
Stock Repurchased (412.5) (3.9) (1.9) (0.3) (9.5) (93.4) (1.3) (0.6) (0.4) (0.6) 0 0 0 0 0 0 0 0 0 0
Dividends Paid (169.4) (143.3) (125.7) (108.2) (98.6) (85.9) (65.1) (51.0) (40.5) (38.6) (5.4) (4.1) (2.8) (1.9) (1.3) (0.9) 0 0 0 0
Other Financing Activities 5,201.8 4,805.5 2,502.9 818.2 5,010.0 6,996.5 3,153.1 2,563.3 1,552.0 2,783.6 1,047.0 686.5 620.8 774.5 488.1 363.0 234.5 311.4 328.1 212.3
Financing Cash Flow 5,267.7 5,259.9 2,425.9 2,195.5 4,886.7 7,736.9 3,647.2 2,500.9 1,909.2 2,175.6 1,001.5 905.7 742.7 856.5 604.0 382.2 290.6 286.9 347.7 231.7
Cash Position
Net Change in Cash 9.4 35.1 (67.5) 79.8 88.7 36.0 (105.7) 114.6 7.5 (5.8) 165.3 7.5 (88.4) 133.4 (106.5) 148.8 28.8 (40.5) 17.5 (68.4)
Cash at Beginning 458.5 423.5 491.0 411.2 322.5 286.5 392.2 277.6 270.0 275.8 176.0 168.5 256.9 123.5 230.1 81.3 52.5 93 75.4 68.4
Cash at End 467.9 458.5 423.5 491.0 411.2 322.5 286.5 392.2 277.6 270.0 341.4 176.0 168.5 256.9 123.5 230.1 81.3 52.5 92.9 75.4
Free Cash Flow 860.4 635.5 698.0 1,321.6 1,073.8 (582.1) 184.0 308.9 342.4 277.0 69.9 93.9 96.3 31.8 (45.4) 27.4 9.7 (23.8) (10.1) (11.2)
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Income Statement
Revenue 4,230.0 3,965.9 3,327.2 2,208.5 1,861.6 1,897.2 1,789.4 1,522.7 1,261.2 1,128.8 984.6 880.1 848.0 841.5 753.7 737.0 686.2 610.6 685.1 645.3 496.8 342.5 276.6 242.9 195.3 166.5 119.1 96.1 70 46.6 9.7
Gross Profit 2,630.4 2,349.8 2,157.6 1,877.8 1,770.3 1,429.9 1,405.3 1,282.0 1,117.1 1,004.5 874.7 786.9 721.9 657.5 506.6 435.1 302.5 283.0 320.2 329.2 299.8 232.3 182.1 148.5 94.9 74.3 53.8 40.6 28.3 20.5 9.7
Operating Income 1,118.4 947.1 845.1 700.6 637.8 389.8 480.1 460.1 390.0 331.9 251.8 246.4 224.4 180.1 128.0 100.8 117.5 30.6 83.8 104.2 105.0 80.9 59.3 42.5 29.1 16.4 14.2 4.7 1 (2.3) 1.0
Net Income 823.8 695.0 622.6 509.7 466.2 293.0 355.7 343.2 257.7 206.9 156.7 151.4 137.2 111.2 77.6 63.3 73.1 20.5 55.7 66.5 67.0 51.3 38.1 27.9 18.4 11.2 9.4 6.2 4.8 (1) 1.5
EPS (Diluted) 11.56 10.31 9.58 8.02 7.58 4.68 6.03 5.86 4.40 3.66 2.93 2.98 2.75 2.31 1.67 1.02 2.18 0.76 2.24 2.56 2.75 2.34 1.98 1.60 1.27 0.83 0.73 0.49 0.40 -0.11 0.16
Balance Sheet
Cash & Equivalents 467.9 4,861.8 2,507.7 2,479.6 5,783.8 5,124.9 2,450.7 1,491.7 1,340.8 1,247.7 1,160.8 342.8 133.1 118.2 110.1 72.3 65.6 83.8 60.4 178.1 94.1 0
Total Assets 71,142.0 64,879.7 56,259.9 52,949.6 50,142.1 45,080.8 36,620.6 31,244.8 27,916.0 25,668.6 12,215.6 10,658.3 6,419.0 4,747.4 3,721.6 2,705.4 2,102.8 1,679.4 1,348.0 1,053.4 706 470.9
Total Debt 4,481.5 4,238.0 3,663.3 3,603.6 2,425.7 2,437.4 1,782.7 1,213.0 1,218.4 808.9 989.9 1,094.3 760.9 394.9 306.6 215.7 122.3 99.2 31.1 55.9 29.2 10.8
Stockholders' Equity 7,258.7 6,344.3 5,399.5 4,796.8 4,498.7 4,116.0 3,691.2 3,267.6 2,976.9 2,695.6 1,138.6 1,066.6 473.9 349.8 227.0 141.3 102.3 92.9 75.2 68.8 42.6 40.5
Cash Flow
Operating Cash Flow 910.3 721.6 744.4 1,375 1,130.9 (518.5) 266.0 377.2 401.6 311.0 116.9 124.5 137.5 59.2 (25.5) 46.8 26.9 (8.3) 6 (3.3)
Capital Expenditure (50.0) (86.0) (46.4) (53.4) (57.1) (63.6) (82.0) (68.3) (59.2) (33.9) (47.0) (30.6) (41.1) (27.4) (19.9) (19.5) (17.2) (15.5) (16.1) (7.9)
Free Cash Flow 860.4 635.5 698.0 1,321.6 1,073.8 (582.1) 184.0 308.9 342.4 277.0 69.9 93.9 96.3 31.8 (45.4) 27.4 9.7 (23.8) (10.1) (11.2)