Wintrust Financial Corporation Defensive Interval Ratio
Wintrust Financial Corporation 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. See WTFC current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Wintrust Financial Corporation (1996–2025)
Defensive interval ratio of Wintrust Financial Corporation from 1996 to 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. Check Wintrust Financial Corporation (WTFC) liquid assets ratio to evaluate the company's liquid asset resilience ratio.
Wintrust Financial Corporation Defensive Interval Ratio by Year (1996–2025)
Wintrust Financial Corporation defensive interval ratio by year from 1996 to 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 the complete balance sheet picture, see WTFC current and non-current assets.
| 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 | $- | $- | — |