Wintrust Financial Corporation
Wintrust Financial Corporation operates as a financial holding company. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest bearing deposits, non-brokered interest-…
Banks - Regional
US, Rosemont [HQ]
Ratios
15 Sheets · Starting from 2023Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 100.00 | 92.07 | 93.58 | 100.00 | 100.00 | 100.00 | 99.86 | 99.97 | 99.95 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 86.94 | |
| Profit Margin | 15.53 | 10.42 | 11.91 | 15.15 | 17.87 | 18.75 | 17.25 | 19.91 | 22.46 | 26.06 | 24.38 | 17.85 | 27.30 | 26.06 | 18.71 | |
| Operating Margin | 70.84 | 48.27 | 44.31 | 41.96 | 42.46 | 42.92 | 0.30 | 1.58 | 2.58 | 50.58 | 32.90 | 23.75 | 37.35 | 6.37 | 1.60 | |
|
EPS Growth
|
249.43 | -30.59 | 3.79 | 39.73 | 16.01 | -8.45 | 0.92 | 25.31 | 14.60 | 29.51 | 0.16 | -22.75 | 62.92 | 5.85 | 19.41 | |
| EPS USD | 304.00 | 211.00 | 219.00 | 306.00 | 355.00 | 325.00 | 328.00 | 411.00 | 471.00 | 610.00 | 611.00 | 472.00 | 769.00 | 814.00 | 972.00 | |
| Return on Assets (ROA) | 0.60 | 0.45 | 0.49 | 0.63 | 0.76 | 0.76 | 0.68 | 0.81 | 0.92 | 1.10 | 0.97 | 0.65 | 0.93 | 0.96 | 1.11 | |
| Return on Equity (ROE) | 6.42 | 4.41 | 5.03 | 6.16 | 7.22 | 7.31 | 6.66 | 7.67 | 8.66 | 10.50 | 9.64 | 7.12 | 10.36 | 10.63 | 11.53 | |
| Return on Invested Capital (ROIC) | 9.74 | 6.12 | 5.14 | 6.89 | 7.06 | 6.28 | 0.04 | 0.29 | 0.43 | 11.08 | 6.49 | 4.43 | 6.66 | 1.04 | 0.43 | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 8.10 | 11.29 | 11.68 | 5.45 | 5.10 | 6.59 | 6.72 | 3.30 | 5.60 | 3.89 | 4.89 | 5.55 | 4.99 | 7.35 | 6.58 | |
| Debt/Equity | 86.94 | 109.76 | 120.21 | 52.92 | 48.53 | 63.73 | 65.45 | 31.38 | 52.51 | 37.18 | 48.47 | 60.75 | 55.59 | 81.17 | 68.57 | |
| Debt/EBITDA | -48.59 | 188.19 | 328.26 | -116.98 | 52.43 | 27.17 | 179.33 | -92.33 | -21.56 | -38.00 | -126.59 | -612.59 | -489.22 | 838.49 | 2,168.17 | |
|
Debt/Capitalization
|
46.51 | 52.33 | 54.59 | 34.61 | 32.67 | 38.92 | 39.56 | 23.88 | 34.43 | 27.10 | 32.65 | 37.79 | 35.73 | 44.80 | 40.68 | |
| Long-Term Debt/Capitalization | 46.48 | 52.31 | 53.87 | 34.61 | 32.67 | 38.92 | 39.48 | 23.08 | 29.04 | 27.07 | 32.57 | 37.19 | 35.03 | 42.90 | 40.42 | |
| Interest Debt per Share USD | 50.21 | 58.36 | 56.57 | 29.22 | 25.90 | 29.91 | 33.79 | 18.62 | 30.67 | 25.24 | 37.28 | 47.87 | 46.52 | 70.02 | 62.98 | |
| Debt Growth | -9.54 | 59.44 | 17.68 | -48.53 | -3.43 | 43.00 | 16.33 | -47.29 | 50.64 | -0.45 | 46.97 | 36.73 | -0.48 | 60.52 | -5.92 | |
| Liquidity | ||||||||||||||||
| Current Ratio | 851.18 | 1,084.83 | 599.34 | 628.18 | 801.99 | 599.96 | 502.92 | 367.25 | 235.99 | 683.50 | 634.31 | 736.42 | 951.37 | 615.12 | 8.64 | |
| Quick Ratio | 1,701.94 | 1,903.04 | 1,371.99 | 1,102.82 | 1,163.81 | 1,197.80 | 816.72 | 662.14 | 434.09 | 683.50 | 634.31 | 736.42 | 951.37 | 1,269.73 | 21.55 | |
| Cash Ratio | 674.92 | 670.14 | 373.51 | 398.64 | 247.22 | 363.91 | 222.45 | 230.03 | 152.03 | 222.11 | 234.30 | 395.21 | 515.41 | 318.25 | 6.71 | |
| Operating Cash Flow Ratio | -400 | 100 | 100 | - - | 100 | - - | - - | - - | - - | - - | - - | - - | 100 | 100 | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | -0.01 | -0.02 | - - | - - | - - | - - | - - | -23.74 | |
| Receivables Turnover | 107.51 | 160.46 | 58.82 | 136.81 | 127.87 | 79.82 | 143.69 | 167.84 | 167.79 | 135.36 | 135.40 | 119.88 | 66.59 | 46.90 | 147.68 | |
| Payables Turnover | - - | 31.92 | 22.31 | - - | - - | - - | 0.32 | 0.06 | 0.11 | - - | - - | - - | - - | - - | 24.14 | |
|
Asset Turnover
|
3.85 | 4.35 | 4.10 | 4.19 | 4.24 | 4.04 | 3.97 | 4.05 | 4.11 | 4.21 | 3.98 | 3.64 | 3.41 | 3.69 | 5.91 | |
| Fixed Turnover | 134.27 | 167.17 | 150.88 | 146.44 | 144.37 | 145.42 | 138.67 | 142.96 | 137.54 | 145.60 | 148.06 | 162.28 | 169.32 | 192.01 | 444.29 | |
| Coverage | ||||||||||||||||
| Interest Coverage | 154.47 | 165.57 | 199.77 | 286.49 | 407.18 | 476.73 | 3.55 | 18.21 | 25.92 | 323.47 | 145.39 | 153.99 | 423.71 | 49.39 | 35.82 | |
| Asset Coverage | 1,200 | 800 | 800 | 1,700 | 1,900 | 1,400 | 1,400 | 3,100 | 2,200 | 2,500 | 1,900 | 1,700 | 2,000 | 1,300 | 500 | |
| Cash Flow Coverage (CFGR) | -84.96 | 13.03 | 19.71 | 28.13 | 34.89 | 17.88 | 2.47 | 36.54 | 25.66 | 31.05 | 14.87 | -20.74 | 45.22 | 35.31 | 20.11 | |
| EBITDA Coverage | 100 | 100 | 200 | 200 | 400 | 400 | 400 | 500 | 400 | 300 | 100 | 100 | 400 | - - | - - | |
| Dividend Coverage | -300 | -200 | -700 | -800 | -900 | -600 | -500 | -500 | -600 | -600 | -500 | -300 | -400 | -400 | -400 | |
| Time Interest Earned (TIE) | 2,500 | 2,400 | 2,400 | 2,900 | 2,900 | 2,700 | 2,200 | 2,200 | 1,900 | -200 | -100 | -100 | -100 | 1,000 | 800 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 2.95 | 2.29 | 1.04 | 0.99 | 0.78 | 1.15 | 1.29 | 1.06 | 0.90 | 1.36 | 1.62 | 2.44 | 1.91 | 2.16 | 2.22 | |
| Earnings Yield | 9.88 | 6.38 | 7.82 | 8.33 | 7.69 | 6.96 | 6.75 | 5.67 | 5.72 | 9.17 | 8.82 | 8.34 | 9.01 | 10.19 | 10.98 | |
|
Price/Earnings (P/E)
|
1,011.74 | 1,567.66 | 1,278.39 | 1,200.22 | 1,300.78 | 1,436.92 | 1,480.77 | 1,763.71 | 1,748.62 | 1,090.84 | 1,133.31 | 1,199.39 | 1,110.41 | 981.79 | 910.91 | |
| Price/Earnings Growth (PEG) | 4.06 | -51.24 | 337.17 | 30.21 | 81.23 | -170.04 | 1,604.17 | 69.70 | 119.78 | 36.96 | 6,913.21 | -52.72 | 17.65 | 167.78 | 46.93 | |
|
Price/Book (P/B)
|
64.93 | 69.11 | 64.25 | 73.95 | 93.91 | 105.10 | 98.67 | 135.36 | 151.36 | 114.56 | 109.21 | 85.38 | 115.06 | 104.32 | 105.04 | |
| Price/Tangible Book (P/TB) | 64.93 | 69.11 | 64.25 | 73.95 | 93.91 | 105.10 | 98.67 | 135.36 | 151.36 | 114.56 | 109.21 | 85.38 | 115.06 | 104.32 | 105.04 | |
| Price/Sales (P/S) | 157.15 | 163.29 | 152.32 | 181.83 | 232.41 | 269.43 | 255.38 | 351.21 | 392.70 | 284.28 | 276.26 | 214.14 | 303.13 | 255.83 | 170.44 | |
|
Price/Cash Flow (P/CF)
|
-87.90 | 483.24 | 271.19 | 496.77 | 554.66 | 922.43 | 6,115.88 | 1,180.49 | 1,123.55 | 992.46 | 1,515.51 | -677.79 | 457.72 | 363.93 | 761.92 | |
| Price/Free CF (P/FCF) | -86.03 | 567.52 | 346.08 | 686.77 | 628.25 | 1,100.36 | -42,148.17 | 1,326.03 | 1,318.10 | 1,211.81 | 2,191.18 | -603.68 | 482.05 | 378.65 | 812.58 | |
| Price/Operating CF (P/OCF) | -87.90 | 483.24 | 271.19 | 496.77 | 554.66 | 922.43 | 6,115.88 | 1,180.49 | 1,123.55 | 992.46 | 1,515.51 | -677.79 | 457.72 | 363.93 | 761.92 |