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 cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see Wintrust Financial Corporation cash flow conversion.
Annual Financial Flexibility Index for Wintrust Financial Corporation (1996–2024)
Year-by-year free cash flow to debt coverage for Wintrust Financial Corporation. Explore Wintrust Financial Corporation cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| 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 | — |