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.

Wintrust Financial Corporation's free cash flow has increased 35.38% from $635.52M last year to $860.40M, signaling increasing performance

Wintrust Financial Corporation's debt to equity ratio is 0.58, which means that the company's assets are healthy financed, signaling financial stability.

Wintrust Financial Corporation's debt has decreased relative to shareholder equity from 0.67 last year to 0.58 today, signaling strengthened financials

Wintrust Financial Corporation has a net cash position, so leverage is healthy.

Wintrust Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Wintrust Financial Corporation's profit margin has increased (18.22%) in the last year from 17.53% to 20.72%, signaling increasing performance

Wintrust Financial Corporation's short-term liabilities of $48.47B exceed its short-term assets of $6.70B, signaling financial risk

Wintrust Financial Corporation's return on assets of 1.21% is lower than the 5.00% threshold, indicating inefficient asset utilization

Wintrust Financial Corporation's return on equity of 12.33%, is lower than 15.00%, indicating bad performance

Wintrust Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Wintrust Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Wintrust Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Wintrust Financial Corporation has a free cash flow yield of 8.01%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Wintrust Financial Corporation's yearly earnings has increased 18.53% since last year from $695.04M to $823.84M, signaling increasing performance

Wintrust Financial Corporation's yearly revenue has increased 6.66% since last year from $3.97B to $4.23B, signaling increasing performance

ROIC 6.71% (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.

Wintrust Financial Corporation's 3-year revenue CAGR of 24.19% is positive, indicating growing revenue over the past 3 years

Wintrust Financial Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Wintrust Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Wintrust Financial Corporation has insufficient data to evaluate this check.

Wintrust Financial Corporation has an earnings yield of 8.39%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Wintrust Financial Corporation is overvalued relative to its fair value price of 65.77 based on EBITDA multiple model

Wintrust Financial Corporation has an EV/EBITDA ratio of 7.06x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Wintrust Financial Corporation is undervalued relative to its fair value price of 297.25 based on Earnings Fair Value model

Wintrust Financial Corporation has a PEG-ratio under 1 which is considered undervalued

Wintrust Financial Corporation has a price-to-book ratio of 1.43x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Wintrust Financial Corporation has a price-to-sales ratio of 2.47x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue