Wintrust Net Debt from 2010 to 2026

WTFC Stock

USD 154.18 1.89 1.21%

Wintrust Financial's Net Debt is increasing over the years with slightly volatile fluctuation. Overall, Net Debt is expected to go to about 4.2 B this year. Net Debt is the total debt of Wintrust Financial minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. View All Fundamentals

Net Debt

First Reported

1996-12-31

Previous Quarter

294.9 M

Current Value

4 B

Quarterly Volatility

912.1 M

Dot-com Bubble

Housing Crash

Credit Downgrade

Yuan Drop

Covid

Interest Hikes

Check Wintrust Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Wintrust Financial's main balance sheet or income statement drivers, such as Interest Expense of 1.6 B, Total Revenue of 4.4 B or Gross Profit of 2.8 B, as well as many indicators such as Price To Sales Ratio of 2.41, Dividend Yield of 0.0102 or PTB Ratio of 1.5. Wintrust financial statements analysis is a perfect complement when working with Wintrust Financial Valuation or Volatility modules.

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Analyzing Wintrust Financial's Net Debt over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Debt has evolved provides context for assessing Wintrust Financial's current valuation and future prospects.

Latest Wintrust Financial's Net Debt Growth Pattern

Below is the plot of the Net Debt of Wintrust Financial over the last few years. It is the total debt of a company minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. Wintrust Financial's Net Debt historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Wintrust Financial's overall financial position and show how it may be relating to other accounts over time.

Net Debt

10 Years Trend

Slightly volatile

Compare to Others All Fundamentals

Net Debt

Timeline

Wintrust Net Debt Regression Statistics

	Arithmetic Mean	229,581,597
	Geometric Mean	560,159,297
	Coefficient Of Variation	820.73
	Mean Deviation	1,269,233,008
	Median	10,758,000
	Standard Deviation	1,884,242,522
	Sample Variance	3550369.9T
	Range	7.6B
	R-Value	0.30
	Mean Square Error	3455279.5T
	R-Squared	0.09
	Significance	0.25
	Slope	110,443,905
	Total Sum of Squares	56805918.1T

Wintrust Net Debt History

	2026	4.2 B
	2025	4 B
	2024	-623.8 M
	2023	1.2 B
	2022	1.1 B
	2021	-3.4 B
	2020	-2.7 B

Other Fundumenentals of Wintrust Financial

Net Debt To E B I T D A

Wintrust Financial Net Debt component correlations

	Total Assets	Total Stockholder Equity	Net Debt	Total Liab	Retained Earnings	Net Receivables	Total Current Assets	Short Term Debt	Intangible Assets	Accounts Payable	Common Stock	Long Term Debt	Short Term Investments	Treasury Stock	Property Plant Equipment	Good Will	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Net Invested Capital	Current Deferred Revenue	Capital Stock
Total Assets		0.99	0.36	1.0	0.99	0.03	0.9	0.56	0.75	0.92	0.7	0.93	0.9	-0.91	0.54	0.8	0.87	0.74	0.85	0.19	-0.47	0.82	0.88	-0.62	0.88
Total Stockholder Equity	0.99		0.42	0.99	0.99	-0.01	0.86	0.61	0.79	0.93	0.69	0.93	0.93	-0.87	0.54	0.79	0.84	0.7	0.83	0.2	-0.51	0.78	0.87	-0.64	0.84
Net Debt	0.36	0.42		0.35	0.45	0.19	-0.04	0.6	0.43	0.51	-0.05	0.55	0.63	-0.22	-0.12	-0.02	0.09	0.01	0.06	-0.01	-0.08	-0.01	0.38	-0.74	0.17
Total Liab	1.0	0.99	0.35		0.99	0.03	0.9	0.56	0.75	0.92	0.7	0.93	0.89	-0.91	0.54	0.8	0.87	0.75	0.85	0.18	-0.47	0.82	0.88	-0.62	0.89
Retained Earnings	0.99	0.99	0.45	0.99		0.01	0.84	0.6	0.8	0.95	0.63	0.95	0.92	-0.89	0.47	0.74	0.84	0.73	0.81	0.22	-0.49	0.78	0.9	-0.69	0.86
Net Receivables	0.03	-0.01	0.19	0.03	0.01		0.02	-0.28	-0.32	0.15	0.1	0.17	-0.11	-0.11	0.01	0.04	0.14	0.03	0.02	-0.08	0.53	0.06	0.09	-0.36	0.12
Total Current Assets	0.9	0.86	-0.04	0.9	0.84	0.02		0.32	0.62	0.74	0.76	0.76	0.69	-0.87	0.59	0.85	0.85	0.77	0.82	0.17	-0.42	0.86	0.78	-0.34	0.87
Short Term Debt	0.56	0.61	0.6	0.56	0.6	-0.28	0.32		0.68	0.52	0.28	0.61	0.69	-0.42	0.13	0.33	0.29	0.16	0.29	-0.19	-0.25	0.19	0.52	-0.61	0.39
Intangible Assets	0.75	0.79	0.43	0.75	0.8	-0.32	0.62	0.68		0.71	0.39	0.75	0.81	-0.59	0.28	0.53	0.53	0.49	0.53	0.3	-0.57	0.5	0.73	-0.55	0.55
Accounts Payable	0.92	0.93	0.51	0.92	0.95	0.15	0.74	0.52	0.71		0.57	0.95	0.86	-0.82	0.42	0.67	0.81	0.68	0.75	0.26	-0.31	0.72	0.87	-0.76	0.78
Common Stock	0.7	0.69	-0.05	0.7	0.63	0.1	0.76	0.28	0.39	0.57		0.5	0.52	-0.53	0.92	0.97	0.81	0.54	0.85	0.19	-0.38	0.75	0.6	-0.25	0.57
Long Term Debt	0.93	0.93	0.55	0.93	0.95	0.17	0.76	0.61	0.75	0.95	0.5		0.87	-0.89	0.28	0.62	0.76	0.67	0.67	0.08	-0.31	0.69	0.91	-0.8	0.86
Short Term Investments	0.9	0.93	0.63	0.89	0.92	-0.11	0.69	0.69	0.81	0.86	0.52	0.87		-0.73	0.4	0.61	0.65	0.54	0.66	0.2	-0.49	0.61	0.78	-0.64	0.69
Treasury Stock	-0.91	-0.87	-0.22	-0.91	-0.89	-0.11	-0.87	-0.42	-0.59	-0.82	-0.53	-0.89	-0.73		-0.31	-0.66	-0.84	-0.82	-0.75	-0.01	0.3	-0.81	-0.88	0.58	-0.99
Property Plant Equipment	0.54	0.54	-0.12	0.54	0.47	0.01	0.59	0.13	0.28	0.42	0.92	0.28	0.4	-0.31		0.88	0.7	0.46	0.81	0.44	-0.41	0.68	0.39	-0.03	0.33
Good Will	0.8	0.79	-0.02	0.8	0.74	0.04	0.85	0.33	0.53	0.67	0.97	0.62	0.61	-0.66	0.88		0.9	0.7	0.92	0.27	-0.45	0.86	0.73	-0.31	0.69
Net Tangible Assets	0.87	0.84	0.09	0.87	0.84	0.14	0.85	0.29	0.53	0.81	0.81	0.76	0.65	-0.84	0.7	0.9		0.9	0.96	0.32	-0.36	0.97	0.88	-0.47	0.86
Long Term Debt Total	0.74	0.7	0.01	0.75	0.73	0.03	0.77	0.16	0.49	0.68	0.54	0.67	0.54	-0.82	0.46	0.7	0.9		0.84	0.39	-0.36	0.95	0.83	-0.33	0.85
Capital Surpluse	0.85	0.83	0.06	0.85	0.81	0.02	0.82	0.29	0.53	0.75	0.85	0.67	0.66	-0.75	0.81	0.92	0.96	0.84		0.4	-0.45	0.94	0.78	-0.34	0.76
Long Term Investments	0.19	0.2	-0.01	0.18	0.22	-0.08	0.17	-0.19	0.3	0.26	0.19	0.08	0.2	-0.01	0.44	0.27	0.32	0.39	0.4		-0.3	0.4	0.14	0.08	-0.01
Short Long Term Debt	-0.47	-0.51	-0.08	-0.47	-0.49	0.53	-0.42	-0.25	-0.57	-0.31	-0.38	-0.31	-0.49	0.3	-0.41	-0.45	-0.36	-0.36	-0.45	-0.3		-0.39	-0.36	0.05	-0.29
Earning Assets	0.82	0.78	-0.01	0.82	0.78	0.06	0.86	0.19	0.5	0.72	0.75	0.69	0.61	-0.81	0.68	0.86	0.97	0.95	0.94	0.4	-0.39		0.83	-0.31	0.84
Net Invested Capital	0.88	0.87	0.38	0.88	0.9	0.09	0.78	0.52	0.73	0.87	0.6	0.91	0.78	-0.88	0.39	0.73	0.88	0.83	0.78	0.14	-0.36	0.83		-0.72	0.9
Current Deferred Revenue	-0.62	-0.64	-0.74	-0.62	-0.69	-0.36	-0.34	-0.61	-0.55	-0.76	-0.25	-0.8	-0.64	0.58	-0.03	-0.31	-0.47	-0.33	-0.34	0.08	0.05	-0.31	-0.72		-0.55
Capital Stock	0.88	0.84	0.17	0.89	0.86	0.12	0.87	0.39	0.55	0.78	0.57	0.86	0.69	-0.99	0.33	0.69	0.86	0.85	0.76	-0.01	-0.29	0.84	0.9	-0.55

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About Wintrust Financial Financial Statements

Wintrust Financial stakeholders use historical fundamental indicators, such as Wintrust Financial's Net Debt, to determine how well the company is positioned to perform in the future. Although Wintrust Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in Wintrust Financial's assets and liabilities are reflected in the revenues and expenses on Wintrust Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Wintrust Financial. Please read more on our technical analysis and fundamental analysis pages.

	Last Reported	Projected for Next Year
Net Debt	4 B	4.2 B
Net Debt To EBITDA	3.32	3.16

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When determining whether Wintrust Financial offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Wintrust Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Wintrust Financial Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Wintrust Financial Stock:

How To Invest In Wintrust

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Is Wintrust Stock a good investment?

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What is Wintrust Financial's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out the analysis of Wintrust Financial Correlation against competitors.

For information on how to trade Wintrust Stock refer to our How to Trade Wintrust Stock guide.

You can also try the Crypto Correlations module to use cryptocurrency correlation module to diversify your cryptocurrency portfolio across multiple coins.

Will Regional Banks sector continue expanding? Could Wintrust diversify its offerings? Factors like these will boost the valuation of Wintrust Financial. Anticipated expansion of Wintrust directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Wintrust Financial data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.

Quarterly Earnings Growth

0.194

Dividend Share

Earnings Share

11.27

Revenue Per Share

39.287

Quarterly Revenue Growth

0.105

Investors evaluate Wintrust Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Wintrust Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause Wintrust Financial's market price to deviate significantly from intrinsic value.

Please note, there is a significant difference between Wintrust Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Wintrust Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, Wintrust Financial's market price signifies the transaction level at which participants voluntarily complete trades.

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Wintrust Net Debt from 2010 to 2026

Latest Wintrust Financial's Net Debt Growth Pattern

Wintrust Net Debt Regression Statistics

Wintrust Net Debt History

Other Fundumenentals of Wintrust Financial

Wintrust Financial Net Debt component correlations

About Wintrust Financial Financial Statements

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