Wintrust Financial Corporation Financial Flexibility Index
Wintrust Financial Corporation 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). See free cash flow generation of Wintrust Financial Corporation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Wintrust Financial Corporation (1996–2024)
Financial flexibility index of Wintrust Financial Corporation from 1996 to 2024. Historical Financial Flexibility Index trend for Wintrust Financial Corporation across 29 annual periods. Check earnings quality score of Wintrust Financial Corporation to evaluate the quality of earnings relative to operating cash generation.
Wintrust Financial Corporation Financial Flexibility Index by Year (1996–2024)
Wintrust Financial Corporation financial flexibility index by year from 1996 to 2024. Year-by-year free cash flow to debt coverage for Wintrust Financial Corporation. For the full cash flow conversion analysis, see WTFC operating cash flow.
| 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 | — |