Wintrust Financial Corporation (WTFC) — Cash Flow Reinvestment Rate
Wintrust Financial Corporation (WTFC) has a Cash Flow Reinvestment Rate of 3.56x as of September 2025, reinvesting $747.26 Million (capex $7.30 Million plus investments $-739.96 Million) from operating cash flow of $209.78 Million. See Wintrust Financial Corporation free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Wintrust Financial Corporation Cash Flow Reinvestment Rate (1997–2024)
Historical reinvestment intensity for Wintrust Financial Corporation across 24 annual periods. For the full cash flow conversion analysis, see WTFC operating cash flow.
Annual Cash Flow Reinvestment Rate for Wintrust Financial Corporation (1997–2024)
Year-by-year capital reinvestment analysis for Wintrust Financial Corporation. See financial flexibility index of Wintrust Financial Corporation to measure the company's free cash flow as a share of total liabilities.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2024 | 8.36x | $6.03 Billion | $721.56 Million | $86.03 Million | ▲ +379.3% |
| 2023 | 1.74x | $3.22 Billion | $1.84 Billion | $45.20 Million | ▼ -32.3% |
| 2022 | 2.58x | $3.54 Billion | $1.38 Billion | $53.45 Million | ▼ -37.4% |
| 2021 | 4.12x | $4.65 Billion | $1.13 Billion | $57.08 Million | ▼ -72.1% |
| 2019 | 14.75x | $3.92 Billion | $265.99 Million | $82.02 Million | ▲ +103.4% |
| 2018 | 7.25x | $2.73 Billion | $377.18 Million | $68.27 Million | ▲ +20.5% |
| 2017 | 6.02x | $2.42 Billion | $401.63 Million | $59.19 Million | ▼ -29.6% |
| 2016 | 8.54x | $2.66 Billion | $310.97 Million | $33.92 Million | ▼ -80.1% |
| 2015 | 42.91x | $1.67 Billion | $38.97 Million | $43.46 Million | ▲ +300.8% |
| 2014 | 10.71x | $2.21 Billion | $206.37 Million | $38.14 Million | ▲ +1232.2% |
| 2013 | 0.80x | $230.81 Million | $287.21 Million | $37.69 Million | ▼ -73.6% |
| 2012 | 3.05x | $818.55 Million | $268.65 Million | $74.33 Million | ▲ +840.5% |
| 2011 | 0.32x | $79.13 Million | $244.27 Million | $79.13 Million | ▼ -93.8% |
| 2010 | 5.20x | $644.46 Million | $124.01 Million | $30.51 Million | ▲ +2645.9% |
| 2008 | 0.19x | $28.63 Million | $151.29 Million | $28.63 Million | ▼ -49.0% |
| 2007 | 0.37x | $42.83 Million | $115.38 Million | $42.83 Million | ▼ -76.3% |
| 2006 | 1.57x | $64.82 Million | $41.39 Million | $64.82 Million | ▲ +289.5% |
| 2005 | 0.40x | $47.01 Million | $116.91 Million | $47.01 Million | ▲ +63.6% |
| 2004 | 0.25x | $30.61 Million | $124.53 Million | $30.61 Million | ▼ -17.9% |
| 2003 | 0.30x | $41.15 Million | $137.49 Million | $41.15 Million | ▼ -35.3% |
| 2002 | 0.46x | $27.37 Million | $59.21 Million | $27.37 Million | ▲ +11.3% |
| 2000 | 0.42x | $19.46 Million | $46.84 Million | $19.46 Million | ▼ -35.0% |
| 1999 | 0.64x | $17.22 Million | $26.93 Million | $17.22 Million | ▼ -76.2% |
| 1997 | 2.68x | $16.10 Million | $6.00 Million | $16.10 Million | — |