WTFC (Wintrust Financial) LT-Debt-to-Total-Asset: 0.06 (As of Mar. 2026)

What is Wintrust Financial LT-Debt-to-Total-Asset?

Wintrust Financial WTFC -1.00% 79 LT-Debt-to-Total-Asset is 0.06 as of Mar. 2026. GuruFocus rates WTFC with a GF Score™ of 79/100 and a GF Value™ of $124.22 (Modestly Overvalued). The stock has 9 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Wintrust Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.06.

Wintrust Financial's long-term debt to total assets ratio declined from Mar. 2025 (0.06) to Mar. 2026 (0.06). It may suggest that Wintrust Financial is progressively becoming less dependent on debt to grow their business.

Wintrust Financial (NAS:WTFC) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Wintrust Financial LT-Debt-to-Total-Asset Related Terms

Wintrust Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Wintrust Financial's LT-Debt-to-Total-Asset 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.

Wintrust Financial LT-Debt-to-Total-Asset Chart

Wintrust Financial Annual Data

Trend

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Dec22

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Dec25

LT-Debt-to-Total-Asset

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0.05

0.06

0.07

0.06

Wintrust Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.06	0.06	0.06	0.06	0.06

79GF Score

Wintrust Financial Corp WTFC

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Wintrust Financial LT-Debt-to-Total-Asset Calculation

Wintrust Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	4481.477	/	71142.046
	=	0.06

Wintrust Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	4003.592	/	72157.433
	=	0.06

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.06 mean?

Wintrust Financial (WTFC) has a LT-Debt-to-Total-Asset of 0.06 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Wintrust Financial and its competitors.

Is Wintrust Financial's LT-Debt-to-Total-Asset too high?

Wintrust Financial's current LT-Debt-to-Total-Asset is 0.06. Overall, Wintrust Financial has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Wintrust Financial's LT-Debt-to-Total-Asset compare to UMBF and BPOP?

Wintrust Financial's LT-Debt-to-Total-Asset of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Wintrust Financial and its competitors. Wintrust Financial's current LT-Debt-to-Total-Asset is 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Wintrust Financial stock overvalued right now?

Based on GuruFocus' analysis, Wintrust Financial (WTFC) is currently considered Modestly Overvalued. The stock's GF Value™ is $124.22, compared to a current price of $161.22 — trading 29.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.06. Wintrust Financial's overall GF Score™ is 79/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Wintrust Financial (WTFC), the current LT-Debt-to-Total-Asset is 0.06 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Wintrust Financial (WTFC) Overvalued in 2026?

Based on GuruFocus' analysis, Wintrust Financial stock appears to be overvalued. The current stock price of $161.22 is trading 29.8% above its estimated GF Value™ of $124.22. GuruFocus considers Wintrust Financial to be Modestly Overvalued.

Key valuation signals for WTFC:

LT-Debt-to-Total-Asset: 0.06
GF Value™: $124.22 vs. price of $161.22 (29.8% above fair value)
GF Score™: 79/100 with 9 warning signs

No single metric tells the full story. See the WTFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Wintrust Financial Business Description

Industry Financial Services Banks

Comparable Companies UMBF BPOP ZION ONB SSB CFR FHN WBS COLB WAL SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges WF2:Germany

Address 9700 West Higgins Road, Suite 800, Rosemont, IL, USA, 60018

Website https://www.wintrust.com

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. Its 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.

79GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$161.22

Price

$124.22

GF Value

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