Wintrust Financial Corporation Financial Ratios — WTFCM

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	7.88	15.92	18.78	19.59	18.44	15.97	18.1	19.69	22.06	19.17	13.26	18.87	17.79	18.83	18.1
Return on Assets (%)	0.48	0.52	0.67	0.77	0.79	0.73	0.85	0.96	1.16	1.05	0.72	0.98	0.99	1.14	1.15
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.25	3.2	3.36	3.41	4.68	4.52	5.12	5.5	5.14	6.06	5.86	5.95	4.19	3.73	4.08
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	18.01	21.01	24.54	29.23	30.52	27.74	31.95	34.01	34.94	32.9	23.71	37.27	35.81	37.2	38.64
Profit Margin (%)	11.31	12.73	15.15	17.87	18.75	17.27	19.92	22.47	26.06	24.38	17.82	27.24	26.05	27.4	28.36
Net Income to Common Margin (%)	5.77	12.05	13.91	16.77	17.97	16.07	18.52	21.62	25.44	23.81	16.52	25.61	24.62	26.17	27.22
Effective Tax Rate (%)	37.18	39.41	38.27	38.87	38.56	37.74	37.66	33.93	25.42	25.91	24.83	26.91	27.25	26.32	26.61
Dvd Payout Ratio (%)	-25.45	8.46	3.98	4.27	12.83	13.04	12.51	12.41	12.77	16.38	23.75	16.13	16.66	16.43	17.29
Sustainable Growth Rate (%)	9.89	14.57	18.03	18.75	16.08	13.89	15.84	17.25	19.24	16.03	10.11	15.82	14.82	15.73	14.97

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	1,586	1,908	717	687	1,270	1,463	747	1,201	1,162	1,762	2,426	2,417	3,586	3,650	4,238
ST Debt	1	53	- -	- -	- -	426	37	345	2	6	63	75	290	- -	- -
LT Debt	1,585	1,856	717	687	1,270	1,037	710	857	1,160	1,756	2,363	2,342	3,296	3,650	4,238
Total Debt/EBITDA	87.29	98.02	29.05	26.24	33.62	35.67	14.06	19.03	17.18	19.94	25.17	23.74	43.69	43.06	42.35
Net Debt/EBITDA	31.18	51.93	-24.47	-2.37	1.24	14.23	-9.42	-2.21	-4.87	-7.79	-28.01	-33.08	13.48	13.47	-6.23
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.06	3.12	3.38	4	4.25	4.26	4.47	4.91	5.34	5.35	4.74	5	5.5	6.06	6.11
Long-Term Debt/Equity (%)	110.31	120.21	39.71	36.15	61.38	44.09	26.34	28.77	35.51	47.56	57.41	52.05	68.71	67.6	66.8
Long-Term Debt/Capital (%)	76.83	75.63	48.26	44.71	56.53	38.55	33.08	31.77	39.28	45.67	47.48	43.89	47.71	48.87	49.2
Long-Term Debt/Total Assets (%)	11.33	11.67	4.09	3.8	6.35	4.53	2.77	3.07	3.71	4.79	5.24	4.67	6.22	6.49	6.53
Total Debt/Equity (%)	110.38	123.64	39.71	36.15	61.38	62.18	27.71	40.35	35.57	47.74	58.94	53.72	74.76	67.6	66.8
Total Debt/Capital (%)	76.88	77.78	48.26	44.71	56.53	54.36	34.8	44.56	39.34	45.83	48.75	45.29	51.91	48.87	49.2
Total Debt/Total Assets (%)	11.34	12.01	4.09	3.8	6.35	6.38	2.91	4.3	3.72	4.81	5.38	4.82	6.77	6.49	6.53
Net Debt to Equity	39.42	65.5	-33.45	-3.26	2.26	24.81	-18.57	-4.69	-10.08	-18.65	-65.57	-74.85	23.07	21.15	-9.83
Net Debt/Capital (%)	54.29	64.97	-366.4	-7.87	4.58	32.21	-55.68	-10.3	-22.52	-49.39	1,824.89	751.09	24.98	23.02	-16.62
EBITDA	18	19	25	26	38	41	53	63	68	88	96	102	82	85	100
EBITDA-CapEx	-12	-60	-50	-12	- -	-2	19	4	-1	6	33	45	29	38	14
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.06	3.12	3.38	4	4.25	4.26	4.47	4.91	5.34	5.35	4.74	5	5.5	6.06	6.11
Long-Term Debt/Equity (%)	110.31	120.21	39.71	36.15	61.38	44.09	26.34	28.77	35.51	47.56	57.41	52.05	68.71	67.6	66.8
Long-Term Debt/Capital (%)	76.83	75.63	48.26	44.71	56.53	38.55	33.08	31.77	39.28	45.67	47.48	43.89	47.71	48.87	49.2
Long-Term Debt/Total Assets (%)	11.33	11.67	4.09	3.8	6.35	4.53	2.77	3.07	3.71	4.79	5.24	4.67	6.22	6.49	6.53
Total Debt/Equity (%)	110.38	123.64	39.71	36.15	61.38	62.18	27.71	40.35	35.57	47.74	58.94	53.72	74.76	67.6	66.8
Total Debt/Capital (%)	76.88	77.78	48.26	44.71	56.53	54.36	34.8	44.56	39.34	45.83	48.75	45.29	51.91	48.87	49.2
Total Debt/Total Assets (%)	11.34	12.01	4.09	3.8	6.35	6.38	2.91	4.3	3.72	4.81	5.38	4.82	6.77	6.49	6.53
CFO/Total Liabilities	0.99	1.7	1.71	1.77	1.15	0.19	1.35	1.61	1.35	0.81	-1.27	2.48	2.86	1.46	1.23
CFO/CapEx	4.06	3.09	3.61	7.62	5.41	0.9	9.17	6.78	5.52	3.24	-8.15	19.81	25.73	16.04	8.39
Altman's Z-Score	0.08	0.08	0.09	0.1	0.1	0.1	0.1	0.11	0.12	0.11	0.1	0.1	0.11	0.13	0.12

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Accounts Receivable Turnover	24.65	23.22	27.81	27.52	29.27	35.01	39.33	44.44	67.46	100.01	96.69	78.66	92.16	168.43	170.83
Days Sales Outstanding	14.81	15.72	13.13	13.26	12.47	10.43	9.28	8.21	5.41	3.65	3.78	4.64	3.96	2.17	2.14
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	1,019	897	1,320	749	1,224	879	1,248	1,341	1,492	2,451	5,125	5,784	2,480	2,508	4,862
+ Preferred Equity and Hybrid Capital	50	50	176	126	126	251	251	125	125	125	412	412	412	412	412
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	1,586	1,908	717	687	1,270	1,463	747	1,201	1,162	1,762	2,426	2,417	3,586	3,650	4,238
Enterprise Value	-880	-231	-2,223	-2,112	-1,619	-882	-1,974	-1,818	-2,330	-3,670	-5,065	-5,022	-1,501	-1,737	-4,113
Total Capital	2,062	2,454	1,485	1,537	2,247	2,691	2,147	2,696	2,954	3,845	4,977	5,335	6,908	7,469	8,614
Total Debt/Capital (%)	76.88	77.78	48.26	44.71	56.53	54.36	34.8	44.56	39.34	45.83	48.75	45.29	51.91	48.87	49.2
Total Debt / EV	-1.8	-8.26	-0.32	-0.33	-0.78	-1.66	-0.38	-0.66	-0.5	-0.48	-0.48	-0.48	-2.39	-2.1	-1.03
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	616	1,061	-427	65	173	835	-249	-15	-204	-564	-2,286	-2,955	1,519	1,555	-211
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	560	609	734	768	807	908	1,039	1,147	1,317	1,459	1,644	1,711	1,956	2,272	2,451
TTM EBITDA	18	19	25	26	38	41	53	63	68	88	96	102	82	85	100
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	124	244	269	287	206	39	311	402	377	266	-518	1,131	1,375	744	722
TTM Free Cash Flow to Firm	155	323	343	325	245	82	345	461	445	348	-455	1,188	1,428	791	808

Multiples (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-880	-231	-2,223	-2,112	-1,619	-882	-1,974	-1,818	-2,330	-3,670	-5,065	-5,022	-1,501	-1,737	-4,113
Low Price	- -	- -	- -	- -	- -	24.48	24.86	25.88	24.1	25	13.27	25.8	23.26	18.4	22.48
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	1.1	1.74	- -	0.08	0.21	0.92	- -	- -	- -	- -	- -	- -	0.78	0.68	- -
EV/Sales High	1.1	1.74	- -	0.08	0.21	0.92	- -	- -	- -	- -	- -	- -	0.78	0.68	- -
EV/Sales Low	1.1	1.74	- -	0.08	0.21	0.92	- -	- -	- -	- -	- -	- -	0.78	0.68	- -
EV/EBITDA Average	33.91	54.49	-17.32	2.46	4.59	20.36	-4.69	-0.23	-3.02	-6.38	-23.73	-29.03	18.51	18.34	-2.11
EV/EBITDA High	33.91	54.49	-17.32	2.46	4.59	20.36	-4.69	-0.23	-3.02	-6.38	-23.73	-29.03	18.51	18.34	-2.11
EV/EBITDA Low	33.91	54.49	-17.32	2.46	4.59	20.36	-4.69	-0.23	-3.02	-6.38	-23.73	-29.03	18.51	18.34	-2.11
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	15.11	15.59	17.87	17.07	20.81	21.54	22.34	20.71	21.05	24.7
High Price	- -	- -	- -	- -	- -	26.93	30.61	29.31	27.95	31.89	31.18	28.84	27.75	26.24	25.5
Enterprise Value Average	616	1,061	-427	65	173	835	-249	-15	-204	-564	-2,286	-2,955	1,519	1,555	-211
Enterprise Value High	616	1,061	-427	65	173	835	-249	-15	-204	-564	-2,286	-2,955	1,519	1,555	-211
Enterprise Value Low	616	1,061	-427	65	173	835	-249	-15	-204	-564	-2,286	-2,955	1,519	1,555	-211

Shares Outstanding	35	36	37	46	47	48	52	56	56	58	57	57	61	61	66
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Wintrust Financial Corporation

Profitability (USD)

Credit (USD)

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Enterprise Value (USD)

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