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Wintrust Financial WTFC Free cash flow margin

Free cash flow margin at other companies

Fifth Third Bank logo
Fifth Third BankFITB
16.1%
Old National Bancorp logo
Old National BancorpONB
26.6%-4.4pp
SouthState logo
SouthStateSSB
24.1%
M&T Bank logo
M&T BankMTB
32.2%-5.2pp
Webster Financial Corporation logo
Webster Financial CorporationWBS
41%-5.3pp
First Citizens BancShares logo
First Citizens BancSharesFCNCA
23.5%+0.8pp

Other financials

Income statement

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Revenue$713.2M+10.9%
Net income$227.4M+20.3%
EPS (diluted)$3.22+19.7%

Balance sheet

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Cash & equivalents$543.7M-11.8%
Total debt$3.4B+845%
Total equity$7.4B+11.8%
Total assets$72.2B+9.5%

Cash flow

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Operating cash flow$927.2M+674%
CapEx$12.5M-36.2%
Free cash flow$215.1M-54.4%

Valuation

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Market cap$10.39B+24.6%
P/E12.1×+0.1×
P/S3.8×+1.1×

Profitability

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Net margin26.6%-2.0pp

Returns & leverage

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Return on equity12.3%+0.8pp
Debt / equity0.5×+0.4×

Where this comes from

Calculated from Wintrust Financial’s reported figures.

Based on trailing twelve months.

The official record: Wintrust Financial’s 10-Q, filed August 6, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Wintrust Financial's free cash flow margin?
Wintrust Financial (WTFC) reported free cash flow margin of 23.1% in Q2 2024.
How has Wintrust Financial's free cash flow margin changed year-over-year?
Wintrust Financial's free cash flow margin decreased by 45.2% year-over-year, from 42.2% to 23.1%.
What is the long-term trend for Wintrust Financial's free cash flow margin?
Over 3 years (2020 to 2023), Wintrust Financial's free cash flow margin has grown at a -4.6% compound annual growth rate (CAGR), from -35.4% to 30.7%.
What does free cash flow margin mean?
How much real, spendable cash each sales dollar generates after reinvestment.
How do you interpret free cash flow margin?
A high and rising FCF margin is the hallmark of a cash-generative business. Persistent gaps between net margin and FCF margin warrant a look at working capital or capital intensity.
How does free cash flow margin compare across companies?
Strong cross-company quality signal; capital-light compounders post structurally higher FCF margins than asset-heavy peers.