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WTFC (Wintrust Financial) Debt-to-Equity : 0.64 (As of Mar. 2025)


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What is Wintrust Financial Debt-to-Equity?

Wintrust Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was $0 Mil. Wintrust Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was $4,233 Mil. Wintrust Financial's Total Stockholders Equity for the quarter that ended in Mar. 2025 was $6,601 Mil. Wintrust Financial's debt to equity for the quarter that ended in Mar. 2025 was 0.64.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Wintrust Financial's Debt-to-Equity or its related term are showing as below:

WTFC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.28   Med: 0.54   Max: 0.78
Current: 0.64

During the past 13 years, the highest Debt-to-Equity Ratio of Wintrust Financial was 0.78. The lowest was 0.28. And the median was 0.54.

WTFC's Debt-to-Equity is ranked worse than
52.23% of 1482 companies
in the Banks industry
Industry Median: 0.59 vs WTFC: 0.64

Wintrust Financial Debt-to-Equity Historical Data

The historical data trend for Wintrust Financial's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Wintrust Financial Debt-to-Equity Chart

Wintrust Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.59 0.54 0.75 0.68 0.67

Wintrust Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.72 0.78 0.68 0.67 0.64

Competitive Comparison of Wintrust Financial's Debt-to-Equity

For the Banks - Regional subindustry, Wintrust Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Wintrust Financial's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Wintrust Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Wintrust Financial's Debt-to-Equity falls into.


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Wintrust Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Wintrust Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2024 is calculated as

Wintrust Financial's Debt to Equity Ratio for the quarter that ended in Mar. 2025 is calculated as

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Wintrust Financial  (NAS:WTFC) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.


Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.


Wintrust Financial Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Wintrust Financial's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


Wintrust Financial Business Description

Traded in Other Exchanges
Address
9700 West Higgins Road, Suite 800, Rosemont, IL, USA, 60018
Wintrust Financial Corp is a financial holding company that provides community-oriented, personal, and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and western Michigan. The company provides specialty finance services, including financing for the payment of property and casualty insurance premiums and life insurance premiums, and wealth management services to customers in its market area. The company's operations consist of three primary segments: community banking, specialty finance, and wealth management. The company generates the majority of its revenue from the community banking segment.
Executives
David Eric Lee officer: EXECUTIVE VICE PRESIDENT 9700 W HIGGINS ROAD 8TH FLOOR, ROSEMONT IL 60018
Jeffrey D Hahnfeld officer: EVP-CONTROLLER & CHIEF ACC OFF WINTRUST FINANCIAL CORP, 9700 W HIGGINS ROAD 8TH FLOOR, ROSEMONT IL 60018
David A Dykstra officer: Senior Vice President & COO
David L Stoehr officer: Chief Financial Officer
Richard B Murphy officer: Executive Vice President 406 HUDSON, CLARENDON HILLS IL 60514
Kathleen M Boege officer: EVP, GENERAL COUNSEL AND SEC 2 NORTH RIVERSIDE PLAZA, SUITE 1300, CHICAGO IL 60606
Edward J Wehmer director, officer: President 454 BUENA ROAD, LAKE FOREST IL 60045
Karin Gustafson Teglia director WINTRUST FINANCIAL CORPORATION, 9700 W HIGGINS RD 8TH FLOOR, ROSEMONT IL 60018
Timothy Crane officer: EXECUTIVE VICE PRESIDENT 1228 OAK STREET, WINNETKA IL 60093
Hackett H Patrick Jr director ONE NORTH WACKER DRIVE, SUITE 4200, CHICAGO IL 60606
Brian A Kenney director GATX CORP, 500 WEST MONROE STREET, CHICAGO IL 60661
Washington Alex E Iii director 9700 W, HIGGINS RD 8TH FLOOR, ROSEMONT IL 60018
Thomas P Zidar officer: EXECUTIVE VICE PRESIDENT 640 WAGNER ROAD, GLENVIEW IL 60025
Elizabeth H. Connelly director 200 N. MILWAUKEE AVENUE, VERNON HILLS IL 60061
Suzet M Mckinney director 9700 W. HIGGINS ROAD, 8TH FLOOR, ROSEMONT IL 60018