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). Explore Wintrust Financial Corporation capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
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. For the full cash flow conversion analysis, see WTFC operating cash flow.
Annual Free Cash Flow Generation for Wintrust Financial Corporation (1997–2024)
Year-by-year Free Cash Flow Generation Index for Wintrust Financial Corporation. Check cash flow reinvestment rate of Wintrust Financial Corporation to assess the company's total reinvestment commitment from operating cash flow.
| 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 | — |