Wintrust Financial Corporation (WTFC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
11.67
↑+61% vs avg
5yr avg: 7.24
30Y Low1.8·High24.4
P/FCF
↑
11.07
↑+38% vs avg
5yr avg: 8.01
30Y Low3.8·High22.2
P/B Ratio
↑
1.40
+20% vs avg
5yr avg: 1.17
30Y Low0.5·High2.6
ROE
↑
12.1%
↓+5% vs avg
5yr avg: 11.6%
30Y Low-2%·High15%
Debt/EBITDA
↑
3.71
↓-5% vs avg
5yr avg: 3.92
30Y Low2.1·High21.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
WTFC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Wintrust Financial Corporation trades at 13.0x earnings, 15% above its 5-year average of 11.3x, sitting at the 28th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.3x. On a free-cash-flow basis, the stock trades at 11.1x P/FCF, 38% above the 5-year average of 8.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $10.1B | $9.5B | $8.1B | $5.8B | $5.1B | $5.2B | $3.5B | $4.1B | $3.8B | $4.7B | $3.9B |
| Enterprise Value | $14.1B | $13.5B | $7.4B | $6.9B | $6.2B | $1.9B | $857M | $3.4B | $3.5B | $4.5B | $3.5B |
| P/E Ratio → | 13.02 | 12.10 | 12.10 | 9.68 | 10.54 | 11.98 | 13.05 | 11.76 | 11.35 | 18.72 | 19.83 |
| P/S Ratio | 2.38 | 2.24 | 2.03 | 1.73 | 2.30 | 2.82 | 1.87 | 2.28 | 2.50 | 3.70 | 3.49 |
| P/B Ratio | 1.40 | 1.30 | 1.27 | 1.07 | 1.06 | 1.17 | 0.86 | 1.11 | 1.16 | 1.57 | 1.46 |
| P/FCF | 11.07 | 10.39 | 12.70 | 8.25 | 3.84 | 4.89 | — | 22.21 | 12.31 | 13.64 | 14.22 |
| P/OCF | 11.07 | 10.39 | 11.18 | 7.74 | 3.69 | 4.64 | — | 15.36 | 10.08 | 11.63 | 12.67 |
P/E links to full P/E history page with 30-year chart
WTFC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Wintrust Financial Corporation's enterprise value stands at 11.7x EBITDA, 61% above its 5-year average of 7.2x. This is roughly in line with the Financial Services sector median of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.18 | 1.88 | 2.08 | 2.81 | 1.02 | 0.45 | 1.91 | 2.31 | 3.61 | 3.10 |
| EV / EBITDA | 11.67 | 11.16 | 7.11 | 7.44 | 7.93 | 2.55 | 1.76 | 6.01 | 6.68 | 10.03 | 9.09 |
| EV / EBIT | 12.60 | 12.05 | 7.86 | 8.18 | 8.85 | 2.96 | 2.20 | 7.12 | 7.66 | 11.66 | 10.55 |
| EV / FCF | — | 14.80 | 11.71 | 9.91 | 4.69 | 1.76 | — | 18.57 | 11.41 | 13.28 | 12.63 |
WTFC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Wintrust Financial Corporation earns an operating margin of 26.4%, above the Financial Services sector average of 21.4%. Operating margins have expanded from 25.4% to 26.4% over the past 3 years, signaling improving operational efficiency. ROE of 12.1% is modest. ROIC of 7.5% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 62.2% | 62.2% | 59.3% | 64.8% | 85.0% | 95.1% | 75.4% | 78.5% | 84.2% | 88.6% | 89.0% |
| Operating Margin | 26.4% | 26.4% | 23.9% | 25.4% | 31.7% | 34.3% | 20.5% | 26.8% | 30.2% | 30.9% | 29.4% |
| Net Profit Margin | 19.5% | 19.5% | 17.5% | 18.7% | 23.1% | 25.0% | 15.4% | 19.9% | 22.5% | 20.4% | 18.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.1% | 12.1% | 11.8% | 12.2% | 11.0% | 10.8% | 7.5% | 10.2% | 11.0% | 9.1% | 8.2% |
| ROA | 1.2% | 1.2% | 1.1% | 1.1% | 1.0% | 1.0% | 0.7% | 1.0% | 1.2% | 1.0% | 0.9% |
| ROIC | 7.5% | 7.5% | 7.2% | 7.3% | 6.9% | 7.1% | 4.9% | 7.2% | 8.0% | 7.6% | 6.7% |
| ROCE | 6.4% | 6.4% | 8.8% | 9.9% | 9.4% | 8.8% | 5.9% | 9.7% | 11.1% | 10.8% | 9.2% |
WTFC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Wintrust Financial Corporation carries a Debt/EBITDA ratio of 3.7x, which is moderately leveraged (10% below the sector average of 4.1x). Net debt stands at $4.0B ($4.5B total debt minus $468M cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.62 | 0.62 | 0.67 | 0.68 | 0.75 | 0.54 | 0.59 | 0.48 | 0.37 | 0.41 | 0.30 |
| Debt / EBITDA | 3.71 | 3.71 | 4.05 | 3.94 | 4.60 | 3.28 | 5.01 | 3.14 | 2.30 | 2.69 | 2.10 |
| Net Debt / Equity | — | 0.55 | -0.10 | 0.21 | 0.23 | -0.75 | -0.65 | -0.18 | -0.09 | -0.04 | -0.16 |
| Net Debt / EBITDA | 3.32 | 3.32 | -0.60 | 1.24 | 1.44 | -4.54 | -5.53 | -1.18 | -0.53 | -0.27 | -1.14 |
| Debt / FCF | — | 4.41 | -0.98 | 1.66 | 0.85 | -3.13 | — | -3.63 | -0.90 | -0.36 | -1.58 |
| Interest Coverage | 0.74 | 0.74 | 0.63 | 0.80 | 2.78 | 4.24 | 1.54 | 1.45 | 2.23 | 3.41 | 3.68 |
WTFC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.14x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.14 | 0.14 | 0.17 | 0.14 | 0.14 | 0.18 | 0.21 | 0.18 | 0.15 | 0.14 | 0.13 |
| Quick Ratio | 0.14 | 0.14 | 0.17 | 0.14 | 0.14 | 0.18 | 0.21 | 0.18 | 0.15 | 0.14 | 0.13 |
| Cash Ratio | 0.01 | 0.01 | 0.09 | 0.05 | 0.06 | 0.13 | 0.14 | 0.08 | 0.06 | 0.06 | 0.06 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
WTFC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Wintrust Financial Corporation does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 7.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | 1.8% | 2.2% | 2.1% | 1.9% | 2.4% | 1.6% | 1.3% | 0.9% | 1.0% |
| Payout Ratio | — | — | 20.6% | 20.2% | 21.2% | 21.2% | 29.3% | 18.3% | 14.9% | 15.7% | 18.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.7% | 8.3% | 8.3% | 10.3% | 9.5% | 8.3% | 7.7% | 8.5% | 8.8% | 5.3% | 5.0% |
| FCF Yield | 9.0% | 9.6% | 7.9% | 12.1% | 26.0% | 20.5% | — | 4.5% | 8.1% | 7.3% | 7.0% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.2% | 2.6% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 0.0% | 0.0% | 1.8% | 2.2% | 2.1% | 2.1% | 5.1% | 1.6% | 1.4% | 0.9% | 1.0% |
| Shares Outstanding | — | $68M | $65M | $62M | $60M | $58M | $58M | $58M | $57M | $57M | $54M |
Peer Comparison
Compare WTFC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 WTFCYou | $10B | 13.0 | 11.7 | 11.1 | 62.2% | 26.4% | 12.1% | 7.5% | 3.7 |
 IBCP | $690M | 10.3 | 9.3 | 9.8 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FULT | $4B | 10.4 | 9.8 | 14.6 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 UMBF | $10B | 14.4 | 12.1 | 10.2 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 WSFS | $4B | 14.1 | 6.8 | 17.7 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 BOKF | $10B | 16.6 | 17.4 | 7.3 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 CVBF | $3B | 13.5 | 13.0 | 12.8 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 HBAN | $26B | 11.8 | 15.9 | 11.4 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 FFIN | $5B | 20.7 | 14.1 | 15.7 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 TCBI | $4B | 14.8 | 7.3 | 12.8 | 60.6% | 22.2% | 9.4% | 7.0% | 2.0 |
 IBOC | $4B | 10.8 | 8.5 | 9.0 | 78.3% | 49.4% | 13.6% | 10.5% | 1.3 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonWTFC — Frequently Asked Questions
Quick answers to the most common questions about buying WTFC stock.
What is Wintrust Financial Corporation's P/E ratio?
Wintrust Financial Corporation's current P/E ratio is 13.0x. The historical average is 17.4x. This places it at the 28th percentile of its historical range.
What is Wintrust Financial Corporation's EV/EBITDA?
Wintrust Financial Corporation's current EV/EBITDA is 11.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.8x.
What is Wintrust Financial Corporation's ROE?
Wintrust Financial Corporation's return on equity (ROE) is 12.1%. The historical average is 9.1%.
Is WTFC stock overvalued?
Based on historical data, Wintrust Financial Corporation is trading at a P/E of 13.0x. This is at the 28th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Wintrust Financial Corporation's profit margins?
Wintrust Financial Corporation has 62.2% gross margin and 26.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Wintrust Financial Corporation have?
Wintrust Financial Corporation's Debt/EBITDA ratio is 3.7x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.