Wintrust Financial Corporation (WTFC) — Financial Flexibility Index
Wintrust Financial Corporation (WTFC) has a Financial Flexibility Index of 0.00x as of September 2025. Free cash flow of $217.08 Million (operating CF $209.78 Million minus capex $7.30 Million) represents 0% of total liabilities ($62.58 Billion). Check WTFC strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Wintrust Financial Corporation Financial Flexibility Index (1996–2024)
Historical Financial Flexibility Index trend for Wintrust Financial Corporation across 29 annual periods. See Wintrust Financial Corporation short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Wintrust Financial Corporation (1996–2024)
Year-by-year free cash flow to debt coverage for Wintrust Financial Corporation. For the full company profile including market capitalisation, see market value of Wintrust Financial Corporation.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.01x | $807.59 Million | $721.56 Million | $58.54 Billion | ▼ -62.8% |
| 2023 | 0.04x | $1.89 Billion | $1.84 Billion | $50.86 Billion | ▲ +25.2% |
| 2022 | 0.03x | $1.43 Billion | $1.38 Billion | $48.15 Billion | ▲ +14.0% |
| 2021 | 0.03x | $1.19 Billion | $1.13 Billion | $45.64 Billion | ▲ +334.4% |
| 2020 | -0.01x | $-454.82 Million | $-518.47 Million | $40.96 Billion | ▼ -205.1% |
| 2019 | 0.01x | $348.01 Million | $265.99 Million | $32.93 Billion | ▼ -33.6% |
| 2018 | 0.02x | $445.45 Million | $377.18 Million | $27.97 Billion | ▼ -13.8% |
| 2017 | 0.02x | $460.82 Million | $401.63 Million | $24.94 Billion | ▲ +23.1% |
| 2016 | 0.02x | $344.89 Million | $310.97 Million | $22.97 Billion | ▲ +274.6% |
| 2015 | 0.00x | $82.42 Million | $38.97 Million | $20.56 Billion | ▼ -70.6% |
| 2014 | 0.01x | $244.50 Million | $206.37 Million | $17.94 Billion | ▼ -32.1% |
| 2013 | 0.02x | $324.90 Million | $287.21 Million | $16.20 Billion | ▼ -8.1% |
| 2012 | 0.02x | $342.98 Million | $268.65 Million | $15.71 Billion | ▼ -3.2% |
| 2011 | 0.02x | $323.40 Million | $244.27 Million | $14.35 Billion | ▲ +82.9% |
| 2010 | 0.01x | $154.52 Million | $124.01 Million | $12.54 Billion | ▲ +116.6% |
| 2009 | -0.07x | $-822.75 Million | $-841.03 Million | $11.08 Billion | ▼ -496.0% |
| 2008 | 0.02x | $179.92 Million | $151.29 Million | $9.59 Billion | ▲ +2.3% |
| 2007 | 0.02x | $158.21 Million | $115.38 Million | $8.63 Billion | ▲ +51.9% |
| 2006 | 0.01x | $106.22 Million | $41.39 Million | $8.80 Billion | ▼ -44.4% |
| 2005 | 0.02x | $163.91 Million | $116.91 Million | $7.55 Billion | ▼ -16.8% |
| 2004 | 0.03x | $155.14 Million | $124.53 Million | $5.95 Billion | ▼ -35.8% |
| 2003 | 0.04x | $178.64 Million | $137.49 Million | $4.40 Billion | ▲ +64.0% |
| 2002 | 0.02x | $86.58 Million | $59.21 Million | $3.49 Billion | ▲ +1251.1% |
| 2001 | 0.00x | $-5.52 Million | $-25.45 Million | $2.56 Billion | ▼ -106.5% |
| 2000 | 0.03x | $66.30 Million | $46.84 Million | $2.00 Billion | ▲ +19.1% |
| 1999 | 0.03x | $44.14 Million | $26.93 Million | $1.59 Billion | ▲ +391.9% |
| 1998 | 0.01x | $7.20 Million | $-8.30 Million | $1.27 Billion | ▼ -74.8% |
| 1997 | 0.02x | $22.10 Million | $6.00 Million | $984.60 Million | ▲ +223.7% |
| 1996 | 0.01x | $4.60 Million | $-3.30 Million | $663.40 Million | — |