Wintrust Financial annual free cash flow
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2025
Wintrust Financial Free Cash Flow (FCF) History (WTFC)
Wintrust Financial reported $860.4M in free cash flow for fiscal 2025, an increase of 35.38% from the previous fiscal year, with a free cash flow margin of 323.90%.
View full Wintrust Financial company overviewWintrust Financial free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $860.4M | $224.9M | +35.38% | +323.90% |
| 2024 | 2024-12-31 | $635.5M | −$62.4M | −8.95% | +253.46% |
| 2023 | 2023-12-31 | $698.0M | −$623.6M | −47.19% | +316.62% |
| 2022 | 2022-12-31 | $1.32B | $247.8M | +23.07% | +607.00% |
| 2021 | 2021-12-31 | $1.07B | $1.66B | — | +518.31% |
| 2020 | 2020-12-31 | −$582.1M | −$766.1M | — | −342.16% |
| 2019 | 2019-12-31 | $184.0M | −$124.9M | −40.44% | +113.94% |
| 2018 | 2018-12-31 | $308.9M | −$33.5M | −9.79% | +202.55% |
| 2017 | 2017-12-31 | $342.4M | $65.4M | +23.60% | +246.36% |
| 2016 | 2016-12-31 | $277.0M | $281.5M | — | +26.44% |
| 2015 | 2015-12-31 | −$4.5M | −$172.7M | — | −0.49% |
| 2014 | 2014-12-31 | $168.2M | −$81.3M | −32.58% | +20.67% |
| 2013 | 2013-12-31 | $249.5M | $55.2M | +28.40% | +32.28% |
| 2012 | 2012-12-31 | $194.3M | $29.2M | +17.68% | +26.06% |
| 2011 | 2011-12-31 | $165.1M | $71.6M | +76.61% | +25.36% |
| 2010 | 2010-12-31 | $93.5M | $952.8M | — | +15.38% |
| 2009 | 2009-12-31 | −$859.3M | −$982.0M | — | −136.50% |
| 2008 | 2008-12-31 | $122.7M | — | — | +35.63% |
Wintrust Financial quarterly free cash flow
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| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q4 2024 | 2024-12-31 | $471.2M | $240.5M | +104.23% | — |
| Q3 2024 | 2024-09-30 | −$78.3M | −$146.7M | — | −12.72% |
| Q2 2024 | 2024-06-30 | $182.1M | −$157.5M | −46.38% | +30.77% |
| Q1 2024 | 2024-03-31 | $60.5M | $1.2M | +2.06% | +10.01% |
| Q4 2023 | 2023-12-31 | $230.7M | −$73.1M | −24.06% | — |
| Q3 2023 | 2023-09-30 | $68.4M | −$149.4M | −68.61% | +11.89% |
| Q2 2023 | 2023-06-30 | $339.6M | −$10.1M | −2.88% | +60.58% |
| Q1 2023 | 2023-03-31 | $59.3M | −$391.0M | −86.83% | +10.48% |
| Q4 2022 | 2022-12-31 | $303.8M | −$62.4M | −17.04% | +582.07% |
| Q3 2022 | 2022-09-30 | $217.8M | $146.8M | +207.05% | +390.78% |
| Q2 2022 | 2022-06-30 | $349.7M | −$74.6M | −17.58% | +632.93% |
| Q1 2022 | 2022-03-31 | $450.3M | $237.9M | +112.01% | +825.45% |
| Q4 2021 | 2021-12-31 | $366.2M | $470.8M | — | +660.45% |
| Q3 2021 | 2021-09-30 | $70.9M | $140.7M | — | +133.26% |
| Q2 2021 | 2021-06-30 | $424.3M | $430.9M | — | +836.25% |
| Q1 2021 | 2021-03-31 | $212.4M | $613.6M | — | +444.63% |
| Q4 2020 | 2020-12-31 | −$104.6M | −$362.9M | — | −231.23% |
| Q3 2020 | 2020-09-30 | −$69.7M | −$4.4M | — | −162.97% |
| Q2 2020 | 2020-06-30 | −$6.6M | $76.5M | — | −17.17% |
| Q1 2020 | 2020-03-31 | −$401.2M | −$475.3M | — | −919.01% |
| Q4 2019 | 2019-12-31 | $258.4M | $157.9M | +157.23% | +627.37% |
| Q3 2019 | 2019-09-30 | −$65.3M | −$203.9M | — | −160.01% |
| Q2 2019 | 2019-06-30 | −$83.1M | −$142.4M | — | −207.53% |
| Q1 2019 | 2019-03-31 | $74.1M | $63.4M | +595.82% | +188.10% |
| Q4 2018 | 2018-12-31 | $100.4M | −$132.6M | −56.90% | +262.95% |
| Q3 2018 | 2018-09-30 | $138.5M | $128.7M | +1306.02% | +357.77% |
| Q2 2018 | 2018-06-30 | $59.3M | $79.7M | — | +158.46% |
| Q1 2018 | 2018-03-31 | $10.6M | −$109.3M | −91.13% | +27.88% |
| Q4 2017 | 2017-12-31 | $233.0M | −$154.9M | −39.93% | +633.78% |
| Q3 2017 | 2017-09-30 | $9.9M | $4.1M | +71.51% | +28.63% |
| Q2 2017 | 2017-06-30 | −$20.4M | $154.1M | — | −59.61% |
| Q1 2017 | 2017-03-31 | $120.0M | $62.1M | +107.29% | +357.86% |
| Q4 2016 | 2016-12-31 | $387.9M | $392.6M | — | +140.53% |
| Q3 2016 | 2016-09-30 | $5.7M | −$74.4M | −92.83% | +2.12% |
| Q2 2016 | 2016-06-30 | −$174.5M | −$225.0M | — | −67.10% |
| Q1 2016 | 2016-03-31 | $57.9M | $188.3M | — | +24.09% |
| Q4 2015 | 2015-12-31 | −$4.7M | −$43.6M | — | −2.03% |
| Q3 2015 | 2015-09-30 | $80.2M | $60.2M | +302.15% | +34.79% |
| Q2 2015 | 2015-06-30 | $50.5M | $95.7M | — | +21.59% |
| Q1 2015 | 2015-03-31 | −$130.4M | −$285.1M | — | −60.27% |
| Q4 2014 | 2014-12-31 | $38.8M | −$14.5M | −27.18% | +18.38% |
| Q3 2014 | 2014-09-30 | $19.9M | −$183.6M | −90.20% | +9.51% |
| Q2 2014 | 2014-06-30 | −$45.2M | $55.3M | — | −22.24% |
| Q1 2014 | 2014-03-31 | $154.7M | $61.5M | +66.00% | +81.60% |
| Q4 2013 | 2013-12-31 | $53.3M | −$143.7M | −72.93% | +28.27% |
| Q3 2013 | 2013-09-30 | $203.5M | −$149.8M | −42.40% | +103.61% |
| Q2 2013 | 2013-06-30 | −$100.5M | $262.0M | — | −50.32% |
| Q1 2013 | 2013-03-31 | $93.2M | $86.7M | +1342.75% | +49.54% |
| Q4 2012 | 2012-12-31 | $197.1M | $269.2M | — | +99.54% |
| Q3 2012 | 2012-09-30 | $353.4M | $443.0M | — | +180.72% |
| Q2 2012 | 2012-06-30 | −$362.5M | −$348.9M | — | −202.31% |
| Q1 2012 | 2012-03-31 | $6.5M | −$334.1M | −98.10% | +3.73% |
| Q4 2011 | 2011-12-31 | −$72.2M | $14.6M | — | −42.56% |
| Q3 2011 | 2011-09-30 | −$89.6M | −$86.6M | — | −48.26% |
| Q2 2011 | 2011-06-30 | −$13.6M | −$38.0M | — | −9.38% |
| Q1 2011 | 2011-03-31 | $340.5M | $181.5M | +114.18% | +226.26% |
| Q4 2010 | 2010-12-31 | −$86.8M | −$22.9M | — | −55.24% |
| Q3 2010 | 2010-09-30 | −$3.0M | — | — | −1.91% |
| Q2 2010 | 2010-06-30 | $24.3M | — | — | +15.72% |
| Q1 2010 | 2010-03-31 | $159.0M | — | — | +114.82% |
| Q3 2009 | 2009-09-30 | −$63.9M | — | — | −26.82% |
Wintrust Financial free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from −$582.1M to $860.4M, a net increase of $1.44B. Wintrust Financial's latest reported quarter, Q4 2024, generated $471.2M in free cash flow, an increase of 104.23% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Wintrust Financial filings at SEC.gov ↗