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Wintrust Financial WTFC Card related fees — Total revenue from contracts with customers

Discontinued — last reported Q4 '25

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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
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

Reported directly by Wintrust Financial in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.

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 card related fees — total revenue from contracts with customers?
Wintrust Financial (WTFC) reported card related fees — total revenue from contracts with customers of $3.99M in Q4 2025.
How has Wintrust Financial's card related fees — total revenue from contracts with customers changed year-over-year?
Wintrust Financial's card related fees — total revenue from contracts with customers decreased by 10.4% year-over-year, from $4.46M to $3.99M.
What is the long-term trend for Wintrust Financial's card related fees — total revenue from contracts with customers?
Over 4 years (2021 to 2025), Wintrust Financial's card related fees — total revenue from contracts with customers has grown at a 14.8% compound annual growth rate (CAGR), from $9.21M to $15.97M.
What does card related fees — total revenue from contracts with customers mean?
The total income earned from fees associated with customer credit and debit card transactions.
How do you interpret card related fees — total revenue from contracts with customers?
An increase suggests higher card usage, growth in the cardholder base, or improved transaction volume, while a decrease may indicate reduced consumer spending or increased competition in payment services.
How does card related fees — total revenue from contracts with customers compare across companies?
Comparable to interchange and card service fee income reported by other regional and national banking institutions, though it varies based on the specific mix of debit versus credit card portfolios.