NASDAQ
WTFC
Last Price
US $162.36
KEY FIGURES
MKT CAP
$11.0B
EPS
TTM
$12.82
PEG
TTM
0.74x
P/E
TTM
12.66x
P/S
TTM
2.55x
YIELD
1.29%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
11.93%
Return on equity
ROIC: 6.51%
Valuation History
13.3X
Price to Earnings
EV/EBITDA: 9.1X
Cash flow
Profit margin
17.39%
(FY vs FY)
EBITDA Y/Y
19.94%
(FY vs FY)
Cash flow Y/Y
-
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $162.36
—
Default assumptions
EBITDA Multiple
Fair Value
Market $162.36
-59.49%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Wintrust Financial Corporation cash flow to debt ratio of 20.31% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Wintrust Financial Corporation's free cash flow has increased 35.38% from $635.52M last year to $860.40M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Wintrust Financial Corporation's debt to equity ratio is 0.59, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Wintrust Financial Corporation's debt has decreased relative to shareholder equity from 0.67 last year to 0.59 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
Wintrust Financial Corporation has a net debt to EBITDA ratio of 3.33x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Wintrust Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Wintrust Financial Corporation's profit margin has increased (14.73%) in the last year from 17.53% to 20.11%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Wintrust Financial Corporation's short-term liabilities of $48.47G exceed its short-term assets of $6.70G, signaling financial risk
Decreasing performance - ROA.
Wintrust Financial Corporation's return on assets of 1.19% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Wintrust Financial Corporation's return on equity of 11.93%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Wintrust Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Wintrust Financial Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Wintrust Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Wintrust Financial Corporation has a free cash flow yield of 7.86%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Wintrust Financial Corporation's yearly earnings has increased 18.53% since last year from $695.04M to $823.84M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Wintrust Financial Corporation's yearly revenue has increased 6.66% since last year from $3.97G to $4.23G, signaling increasing performance
Increasing performance - ROIC.
ROIC 6.51% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
Wintrust Financial Corporation's 3-year revenue CAGR of 24.19% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Wintrust Financial Corporation had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Wintrust Financial Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Wintrust Financial Corporation has insufficient data to evaluate this check.
Undervalued - Earnings yield.
Wintrust Financial Corporation has an earnings yield of 7.90%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Wintrust Financial Corporation is overvalued relative to its fair value price of 65.77 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Wintrust Financial Corporation has an EV/EBITDA ratio of 12.40x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Wintrust Financial Corporation has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Wintrust Financial Corporation has a price-to-book ratio of 1.48x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Wintrust Financial Corporation has a price-to-sales ratio of 2.55x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue