Wintrust Financial Corporation (WTFC) — Free Cash Flow Generation Index
Wintrust Financial Corporation (WTFC) has a Free Cash Flow Generation Index of 1.03x as of September 2025. Free cash flow of $217.08 Million represents 1% of operating cash flow ($209.78 Million). See WTFC current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Wintrust Financial Corporation Free Cash Flow Generation Index (1997–2024)
Historical FCF Generation Index trend for Wintrust Financial Corporation across 24 annual periods. Explore WTFC operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for Wintrust Financial Corporation (1997–2024)
Year-by-year Free Cash Flow Generation Index for Wintrust Financial Corporation. For the full company profile including market capitalisation, see WTFC stock market capitalisation.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.88x | $635.52 Million | $721.56 Million | $86.03 Million | ▼ -11.9% |
| 2023 | 1.00x | $1.84 Billion | $1.84 Billion | $45.20 Million | ▲ +4.0% |
| 2022 | 0.96x | $1.32 Billion | $1.38 Billion | $53.45 Million | ▲ +1.2% |
| 2021 | 0.95x | $1.07 Billion | $1.13 Billion | $57.08 Million | ▲ +37.3% |
| 2019 | 0.69x | $183.97 Million | $265.99 Million | $82.02 Million | ▼ -15.5% |
| 2018 | 0.82x | $308.91 Million | $377.18 Million | $68.27 Million | ▼ -3.9% |
| 2017 | 0.85x | $342.43 Million | $401.63 Million | $59.19 Million | ▼ -4.3% |
| 2016 | 0.89x | $277.04 Million | $310.97 Million | $33.92 Million | ▲ +872.7% |
| 2015 | -0.12x | $-4.49 Million | $38.97 Million | $43.46 Million | ▼ -114.1% |
| 2014 | 0.82x | $168.23 Million | $206.37 Million | $38.14 Million | ▼ -6.2% |
| 2013 | 0.87x | $249.51 Million | $287.21 Million | $37.69 Million | ▲ +20.1% |
| 2012 | 0.72x | $194.33 Million | $268.65 Million | $74.33 Million | ▲ +7.0% |
| 2011 | 0.68x | $165.13 Million | $244.27 Million | $79.13 Million | ▼ -10.3% |
| 2010 | 0.75x | $93.50 Million | $124.01 Million | $30.51 Million | ▼ -7.0% |
| 2008 | 0.81x | $122.66 Million | $151.29 Million | $28.63 Million | ▲ +28.9% |
| 2007 | 0.63x | $72.55 Million | $115.38 Million | $42.83 Million | ▲ +211.1% |
| 2006 | -0.57x | $-23.43 Million | $41.39 Million | $64.82 Million | ▼ -194.7% |
| 2005 | 0.60x | $69.90 Million | $116.91 Million | $47.01 Million | ▼ -20.7% |
| 2004 | 0.75x | $93.92 Million | $124.53 Million | $30.61 Million | ▲ +7.6% |
| 2003 | 0.70x | $96.34 Million | $137.49 Million | $41.15 Million | ▲ +30.3% |
| 2002 | 0.54x | $31.83 Million | $59.21 Million | $27.37 Million | ▼ -8.0% |
| 2000 | 0.58x | $27.38 Million | $46.84 Million | $19.46 Million | ▲ +62.1% |
| 1999 | 0.36x | $9.71 Million | $26.93 Million | $17.22 Million | ▲ +121.4% |
| 1997 | -1.68x | $-10.10 Million | $6.00 Million | $16.10 Million | — |