What is Wintrust Financial's free cash flow?

Wintrust Financial (WTFC) reported free cash flow of $215.1M in Q4 2025.

How has Wintrust Financial's free cash flow changed year-over-year?

Wintrust Financial's free cash flow decreased by 54.4% year-over-year, from $471.24M to $215.1M.

What is the long-term trend for Wintrust Financial's free cash flow?

Over 3 years (2021 to 2025), Wintrust Financial's free cash flow has grown at a -7.1% compound annual growth rate (CAGR), from $1.07B to $860.4M.

Wintrust Financial WTFC Free cash flow

Discontinued — last reported Q4 '25

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Other financials

Income statement

See full

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%

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

FCF margin23.1%-19.1pp

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.

$251.7Mnet cash from operating−$12.5Mcapital expenditures=$215.1M

The official record: Wintrust Financial’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Wintrust Financial's free cash flow?: Wintrust Financial (WTFC) reported free cash flow of $215.1M in Q4 2025.
How has Wintrust Financial's free cash flow changed year-over-year?: Wintrust Financial's free cash flow decreased by 54.4% year-over-year, from $471.24M to $215.1M.
What is the long-term trend for Wintrust Financial's free cash flow?: Over 3 years (2021 to 2025), Wintrust Financial's free cash flow has grown at a -7.1% compound annual growth rate (CAGR), from $1.07B to $860.4M.