Wintrust Financial (WTFC) financial statements
Wintrust Financial reported revenue of $266M in fiscal 2025, down 14.1% a year over 9 years.
Net income was $824M.
Free cash flow was $860M, and the company returned $169M in dividends.
The diluted share count rose 25% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Wintrust Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.0B | $139M | $153M | $161M | $170M | $207M | $218M | $220M | $251M | $266M |
| Interest expense | $90M | $114M | $206M | $330M | $253M | $151M | $252M | $1.1B | $1.5B | $1.5B |
| Pre-tax income | $332M | $390M | $460M | $480M | $390M | $638M | $701M | $845M | $947M | $1.1B |
| Income tax | $125M | $132M | $117M | $124M | $97M | $172M | $191M | $222M | $252M | $295M |
| Net income | $207M | $258M | $343M | $356M | $293M | $466M | $510M | $623M | $695M | $824M |
| EPS (diluted) | $3.66 | $4.40 | $5.86 | $6.03 | $4.68 | $7.58 | $8.02 | $9.58 | $10.31 | $11.40 |
| Diluted shares | 54M | 57M | 57M | 58M | 58M | 58M | 60M | 62M | 65M | 68M |
| Net margin | 19.7% | 185.4% | 225.0% | 220.3% | 172.2% | 225.0% | 234.1% | 282.4% | 277.2% | 310.1% |
Balance sheet
Fiscal years, from Wintrust Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $270M | $278M | $392M | $286M | $322M | $411M | $491M | $423M | $459M | $468M |
| Property, plant and equipment | $597M | $622M | $671M | $754M | $769M | $766M | $765M | $749M | $779M | $782M |
| Goodwill | $499M | $502M | $573M | $645M | $646M | $655M | $654M | $657M | $797M | $798M |
| Total assets | $25.7B | $27.9B | $31.2B | $36.6B | $45.1B | $50.1B | $52.9B | $56.3B | $64.9B | $71.1B |
| Total liabilities | $23.0B | $24.9B | $28.0B | $32.9B | $41.0B | $45.6B | $48.2B | $50.9B | $58.5B | $63.9B |
| Shareholders' equity | $2.7B | $3.0B | $3.3B | $3.7B | $4.1B | $4.5B | $4.8B | $5.4B | $6.3B | $7.3B |
| Net debt | -$270M | -$278M | -$392M | -$286M | -$322M | -$411M | -$491M | -$423M | -$459M | -$468M |
Cash flow
Fiscal years, from Wintrust Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $311M | $402M | $377M | $266M | -$518M | $1.1B | $1.4B | $744M | $722M | $910M |
| Capital spending | $34M | $59M | $68M | $82M | $64M | $57M | $53M | $46M | $86M | $50M |
| Free cash flow | $277M | $342M | $309M | $184M | -$582M | $1.1B | $1.3B | $698M | $636M | $860M |
| Stock-based compensation | $9M | $13M | $13M | $11M | -$5M | $16M | $32M | $33M | $38M | $42M |
| Dividends paid | $39M | $41M | $51M | $65M | $86M | $99M | $108M | $126M | $143M | $169M |
| Share buybacks (net) | -$616,000 | -$397,000 | $0 | $0 | -$92M | -$10M | $0 | $0 | — | — |
| Free cash flow margin | 26.4% | 246.4% | 202.5% | 113.9% | -342.2% | 518.3% | 607.0% | 316.6% | 253.5% | 323.9% |
| Dividends per share | $0.71 | $0.72 | $0.89 | $1.13 | $1.48 | $1.71 | $1.80 | $2.02 | $2.21 | $2.50 |
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Open WTFC in InvestinglyQuestions
What was Wintrust Financial's revenue in 2025?
$266M in fiscal 2025, from its 10-K filing.
How much free cash flow does Wintrust Financial generate?
$860M in fiscal 2025 (operating cash flow minus capital spending).
From Wintrust Financial's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.