WTFC (Wintrust Financial Corporation) Stock Financials & Earnings | Market Cap Arena

WTFC (Wintrust Financial Corporation) Stock Financials & Earnings | Market Cap Arena

WTFCWintrust Financial Corporation

Mkt Cap$9B

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Revenue (TTM)$4.2B

Net Income (TTM)$824M

EPS (TTM)$11.56

Free Cash Flow (TTM)$891M

Gross Margin62.2%

Op. Margin26.4%

Net Margin19.5%

FCF Margin21.1%

P/S Ratio (TTM)2.2x

P/E Ratio (TTM)11.2x

YoY Rev Growth+6.7%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$747M	$543M	$244M
Q2 23	$810M	$532M	$211M
Q3 23	$875M	$555M	$225M
Q4 23	$895M	$528M	$165M
Q1 24	$946M	$583M	$250M
Q2 24	$971M	$552M	$211M
Q3 24	$1.0B	$593M	$233M
Q4 24	$1.0B	$622M	$253M
Q1 25	$1.0B	$619M	$253M
Q2 25	$1.0B	$649M	$267M
Q3 25	$1.1B	$676M	$296M
Q4 25	$1.1B	$687M	$302M

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	3.7x	16.4x
Q2 23	3.3x	14.8x
Q3 23	3.0x	14.3x
Q4 23	2.8x	14.8x
Q1 24	2.6x	14.6x
Q2 24	2.5x	14.7x
Q3 24	2.4x	14.6x
Q4 24	2.3x	13.3x
Q1 25	2.3x	13.2x
Q2 25	2.3x	12.5x
Q3 25	2.2x	11.7x
Q4 25	2.2x	11.2x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	$68M	$59M
Q2 23	$340M	$340M
Q3 23	$88M	$68M
Q4 23	$248M	$231M
Q1 24	$71M	$61M
Q2 24	$221M	$182M
Q3 24	-$62M	-$78M
Q4 24	$491M	$471M
Q1 25	$120M	$127M
Q2 25	$329M	$322M
Q3 25	$210M	$217M
Q4 25	$248M	$225M

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$9M
Q2 23	$179K
Q3 23	$20M
Q4 23	$17M
Q1 24	$11M
Q2 24	$39M
Q3 24	$17M
Q4 24	$20M
Q1 25	$7M
Q2 25	$7M
Q3 25	$7M
Q4 25	$23M

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	+52.2%	+58.8%
Q2 23	+70.6%	+74.4%
Q3 23	+54.0%	+76.7%
Q4 23	+32.1%	+51.4%
Q1 24	+26.6%	+38.1%
Q2 24	+19.9%	+26.9%
Q3 24	+16.8%	+21.4%
Q4 24	+14.8%	+6.1%
Q1 25	+6.1%	+7.8%
Q2 25	+7.6%	+2.4%
Q3 25	+7.1%	+1.2%
Q4 25	+5.8%	+1.4%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$8M	1.1%
Q2 23	$8M	1.0%
Q3 23	$8M	0.9%
Q4 23	$9M	1.0%
Q1 24	$9M	1.0%
Q2 24	$9M	0.9%
Q3 24	$9M	0.9%
Q4 24	$11M	1.0%
Q1 25	$10M	1.0%
Q2 25	$10M	1.0%
Q3 25	$10M	0.9%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 23	$185M	$12M
Q2 23	$194M	$18M
Q3 23	$202M	$18M
Q4 23	$238M	$17M
Q1 24	$205M	$13M
Q2 24	$209M	$17M
Q3 24	$222M	$18M
Q4 24	$223M	$13M
Q1 25	$222M	$12M
Q2 25	$231M	$19M
Q3 25	$264M	$19M
Q4 25	$223M	$14M

Revenue Segments

Quarter

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$2.0B	$3.0B	$5.1B
Q2 23	$2.7B	$3.3B	$6.0B
Q3 23	$2.9B	$3.4B	$6.3B
Q4 23	$2.5B	$3.3B	$5.8B
Q1 24	$2.5B	$4.2B	$6.7B
Q2 24	$3.2B	$4.1B	$7.4B
Q3 24	$4.4B	$3.6B	$8.0B
Q4 24	$4.9B	$3.9B	$8.8B
Q1 25	$4.9B	$4.0B	$8.8B
Q2 25	$5.3B	$4.7B	$9.9B
Q3 25	$4.0B	$5.0B	$9.0B
Q4 25	$468M	$6.2B	$6.7B

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	62M	-0.1%
Q2 23	62M	+0.4%
Q3 23	62M	+0.1%
Q4 23	62M	+0.4%
Q1 24	62M	+0.0%
Q2 24	63M	+0.6%
Q3 24	66M	+5.1%
Q4 24	68M	+2.7%
Q1 25	68M	-0.1%
Q2 25	68M	+0.0%
Q3 25	68M	+0.0%
Q4 25	68M	+0.0%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 14	$252K	3K
FY 15	$261K	4K
FY 16	$291K	4K
FY 17	$310K	4K
FY 18	$322K	5K
FY 19	$354K	5K
FY 20	$354K	5K
FY 21	$355K	5K
FY 22	$419K	5K
FY 23	$603K	6K
FY 24	$672K	6K
FY 25	$717K	6K