Wintrust Financial Corporation (WTFC) — Defensive Interval Ratio
Wintrust Financial Corporation (WTFC) has a Defensive Interval Ratio of 47 days as of December 2025. Defensive assets of $6.24 Billion (cash $-, short-term investments $6.24 Billion, receivables $-) cover 47 days of daily cash needs of $132.79 Million/day. Check tangible equity quality of Wintrust Financial Corporation to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Wintrust Financial Corporation Defensive Interval Ratio (1996–2025)
This chart shows how Wintrust Financial Corporation's Defensive Interval Ratio has evolved across 30 annual periods from 1996 to 2025. As of December 2025, the ratio stands at 47 days, meaning defensive assets of $6.24 Billion can fund 47 days of operations without new revenue. Also explore Wintrust Financial Corporation net asset momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Wintrust Financial Corporation (1996–2025)
The table below presents the year-by-year Defensive Interval Ratio for Wintrust Financial Corporation from 1996 to 2025, covering 30 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see WTFC market cap.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 47 days | $6.24 Billion | $132.79 Million/day | $- | $6.24 Billion | ▲ +20 days |
| 2024 | 27 days | $3.92 Billion | $143.87 Million/day | $- | $3.90 Billion | ▼ -4 days |
| 2023 | 31 days | $3.99 Billion | $129.34 Million/day | $- | $3.29 Billion | ▼ -1 days |
| 2022 | 32 days | $3.96 Billion | $122.90 Million/day | $- | $3.02 Billion | ▲ +15 days |
| 2021 | 18 days | $2.09 Billion | $118.64 Million/day | $- | $2.07 Billion | ▼ -10 days |
| 2020 | 27 days | $2.80 Billion | $102.38 Million/day | $- | $2.78 Billion | ▼ -9 days |
| 2019 | 37 days | $3.12 Billion | $85.41 Million/day | $- | $3.11 Billion | ▲ +4 days |
| 2018 | 33 days | $2.40 Billion | $73.47 Million/day | $- | $2.13 Billion | ▲ +4 days |
| 2017 | 29 days | $1.92 Billion | $65.98 Million/day | $- | $1.80 Billion | ▲ +0 days |
| 2016 | 29 days | $1.75 Billion | $60.99 Million/day | $- | $1.72 Billion | ▼ -5 days |
| 2015 | 33 days | $1.74 Billion | $52.41 Million/day | $- | $1.72 Billion | ▼ -18 days |
| 2014 | 51 days | $2.30 Billion | $44.75 Million/day | $- | $1.79 Billion | ▼ -2 days |
| 2013 | 53 days | $2.21 Billion | $41.66 Million/day | $- | $2.18 Billion | ▲ +9 days |
| 2012 | 44 days | $1.82 Billion | $41.09 Million/day | $- | $1.80 Billion | ▼ -13 days |
| 2011 | 57 days | $1.95 Billion | $34.38 Million/day | $- | $1.29 Billion | ▲ +6 days |
| 2010 | 51 days | $1.52 Billion | $30.03 Million/day | $- | $1.50 Billion | ▲ +4 days |
| 2009 | 46 days | $1.28 Billion | $27.64 Million/day | $- | $1.26 Billion | ▼ -22 days |
| 2008 | 68 days | $1.59 Billion | $23.29 Million/day | $- | $784.67 Million | ▲ +0 days |
| 2007 | 68 days | $1.41 Billion | $20.75 Million/day | $- | $1.30 Billion | ▼ -17 days |
| 2006 | 85 days | $1.86 Billion | $21.84 Million/day | $- | $1.84 Billion | ▼ -12 days |
| 2005 | 97 days | $1.83 Billion | $18.79 Million/day | $- | $1.80 Billion | ▲ +83 days |
| 2004 | 14 days | $214.37 Million | $14.89 Million/day | $- | $52.82 Million | ▼ -5 days |
| 2003 | 20 days | $219.82 Million | $11.17 Million/day | $- | $62.85 Million | ▼ -13 days |
| 2002 | 32 days | $289.11 Million | $8.98 Million/day | $- | $155.67 Million | ▲ +19 days |
| 2001 | 14 days | $91.58 Million | $6.76 Million/day | $- | $52.65 Million | ▼ -24 days |
| 2000 | 38 days | $199.54 Million | $5.27 Million/day | $- | $164.82 Million | ▲ +29 days |
| 1999 | 8 days | $35.94 Million | $4.24 Million/day | $- | $- | ▼ 0 days |
| 1998 | 9 days | $30.10 Million | $3.40 Million/day | $- | $- | ▲ +3 days |
| 1997 | 6 days | $14.90 Million | $2.64 Million/day | $- | $- | ▼ -4 days |
| 1996 | 10 days | $16.40 Million | $1.71 Million/day | $- | $- | — |