WTFC FY 2025 Earnings Report — Wintrust Financial Corporation Revenue & Financial Results | Market Cap Arena

Wintrust Financial CorporationWTFC

FY 2025 Earnings

Reported February 26, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$4.2B	—	$4.0B	—	6.7%
Op. Income	$1.1B	—	$947M	—	18.1%
Gross Margin	62.2%	—	59.3%	—	2.9pp
Net Margin	19.5%	—	17.5%	—	2.0pp
EPS (Diluted)	$11.56	—	$10.31	—	12.1%
Free Cash Flow	$860M	—	$636M	—	35.4%

Revenue Flow

Item	Amount
REVENUE	$4.2B
Cost of Revenue	$1.6B
GROSS PROFIT	$2.6B
R&D Expenses	$0
Selling & Marketing	$64M
General & Administrative	$940M
SG&A Expenses	$1.0B
Other Expenses	$508M
Operating Expenses	$1.5B
Cost & Expenses	$3.1B
OPERATING INCOME	$1.1B
Interest Income	$3.7B
Interest Expense	$1.5B
Other Income/Expenses	$0
INCOME BEFORE TAX	$1.1B
Income Tax Expense	$295M
Net Income from Continuing Ops	$824M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$824M
Net Income Deductions	$14M
BOTTOM LINE NET INCOME	$783M
D&A	$89M
EBIT	$1.1B
EBITDA	$1.2B
EPS	$12
EPS Diluted	$12

Income Statement

Item	Amount
REVENUE	$4.2B
Cost of Revenue	$1.6B
GROSS PROFIT	$2.6B
R&D Expenses	$0
Selling & Marketing	$64M
General & Administrative	$940M
SG&A Expenses	$1.0B
Other Expenses	$508M
Operating Expenses	$1.5B
Cost & Expenses	$3.1B
OPERATING INCOME	$1.1B
Interest Income	$3.7B
Interest Expense	$1.5B
Other Income/Expenses	$0
INCOME BEFORE TAX	$1.1B
Income Tax Expense	$295M
Net Income from Continuing Ops	$824M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$824M
Net Income Deductions	$14M
BOTTOM LINE NET INCOME	$783M
D&A	$89M
EBIT	$1.1B
EBITDA	$1.2B
EPS	$12
EPS Diluted	$12

Cash Flow Statement

Item	Amount
Net Income	$824M
Depreciation & Amortization	$119M
Stock-Based Compensation	$42M
Deferred Income Tax	$45M
Other Non-Cash Items	-$14M
Change in Working Capital	-$104M
OPERATING CASH FLOW	$910M
Capital Expenditure	-$50M
Acquisitions (Net)	$0
Purchases of Investments	-$5.1B
Sales/Maturities of Investments	$2.8B
Other Investing Activities	-$3.8B
NET CASH FROM INVESTING	-$6.2B
Net Debt Issuance	$226M
Common Stock Repurchased	-$413M
Common Dividends Paid	-$169M
Other Financing Activities	$5.2B
NET CASH FROM FINANCING	$5.3B
FREE CASH FLOW	$860M
Net Change in Cash	$9M

Balance Sheet

Item	Amount
Cash & Equivalents	$468M
Short-Term Investments	$6.2B
Net Receivables	$0
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$6.7B
PP&E (Net)	$782M
Goodwill	$798M
Intangible Assets	$98M
Long-Term Investments	$53.1B
Tax Assets	$0
Other Non-Current Assets	$9.7B
TOTAL NON-CURRENT ASSETS	$64.4B
TOTAL ASSETS	$71.1B
Account Payables	$0
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	$48.5B
TOTAL CURRENT LIABILITIES	$48.5B
Long-Term Debt	$4.5B
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$10.9B
TOTAL NON-CURRENT LIABILITIES	$15.4B
TOTAL LIABILITIES	$63.9B
Common Stock	$67M
Additional Paid-In Capital	$2.5B
Retained Earnings	$4.5B
Treasury Stock	-$9M
Accum. Other Comp. Income	-$296M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$7.3B
Minority Interest	$0
TOTAL EQUITY	$7.3B
TOTAL LIABILITIES & EQUITY	$71.1B
Total Debt	$4.5B
Net Debt	$4.0B