$4.1 B

WTFC Mkt cap, 17-Jan-2019

$379.3 M

Wintrust Revenue Q2, 2018
Wintrust Gross profit (Q2, 2018)333.4 M
Wintrust Gross profit margin (Q2, 2018), %87.9%
Wintrust Net income (Q2, 2018)89.6 M
Wintrust EBIT (Q2, 2018)238.2 M
Wintrust Cash, 30-Jun-2018304.6 M
Wintrust EV4.5 B

Wintrust Revenue Breakdown

Embed Graph

Wintrust revenue breakdown by business segment: 14.0% from Specialty Finance, 83.0% from Community Banking and 3.0% from Other

Wintrust Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

630.7m886.5m990.1m1.1b1.3b

Revenue growth, %

41%12%15%

Cost of goods sold

76.9m90.3m114.4m

Gross profit

913.1m1.0b1.2b

Gross profit Margin, %

92%92%91%

R&D expense

26.9m28.8m31.5m

Operating expense total

628.4m681.7m731.8m

EBIT

224.4m246.4m641.5m722.2m832.1m

EBIT margin, %

36%28%65%63%66%

Pre tax profit

251.8m331.9m390.0m

Income tax expense

95.0m125.0m132.3m

Net Income

137.2m151.4m156.7m206.9m257.7m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018

Revenue

252.3m250.3m261.0m281.9m294.8m284.5m321.2m327.4m346.9m379.3m

Cost of goods sold

18.3m19.8m20.7m21.8m23.5m23.2m26.8m31.7m36.1m45.9m

Gross profit

233.9m230.5m240.3m260.1m271.2m261.3m294.4m295.7m310.8m333.4m

Gross profit Margin, %

93%92%92%92%92%92%92%90%90%88%

Sales and marketing expense

94.4m97.7m103.7m99.3m106.5m

R&D expense

6.1m8.1m6.5m7.1m7.4m7.9m7.8m7.9m8.5m8.8m

Operating expense total

154.3m160.0m153.7m171.0m176.6m168.1m183.5m183.6m194.3m206.8m

EBIT

156.9m165.5m171.5m175.3m184.6m192.6m204.4m216.0m225.1m238.2m

EBIT margin, %

62%66%66%62%63%68%64%66%65%63%

Pre tax profit

70.1m62.2m78.5m80.0m85.1m88.0m101.9m104.2m108.1m121.6m

Income tax expense

26.3m23.8m29.4m29.9m31.9m29.6m37.0m38.6m26.1m32.0m

Net Income

35.6m34.5m38.5m40.2m39.1m43.8m38.4m49.1m50.0m53.1m58.4m64.9m65.6m82.0m89.6m

Wintrust Balance Sheet

Annual

USDFY, 2013FY, 2015FY, 2016FY, 2017

Cash

253.4m271.5m267.2m277.5m

PP&E

531.9m592.3m597.3m621.9m

Goodwill

374.5m471.8m498.6m501.9m

Total Assets

18.1b22.9b25.7b27.9b

Accounts Payable

14.7b18.6b21.7b23.2b

Short-term debt

364.0k

Long-term debt

364.0k859.9m153.8m559.7m

Total Debt

728.0k859.9m153.8m559.7m

Total Liabilities

16.2b20.6b23.0b24.9b

Retained Earnings

676.9m928.2m1.1b1.3b

Total Equity

1.9b2.4b2.7b3.0b

Debt to Equity Ratio

0 x0.2 x

Debt to Assets Ratio

0 x0 x

Financial Leverage

9.5 x9.7 x9.5 x9.4 x

Quarterly

USDQ1, 2016Q2, 2016Q3, 2017Q1, 2018Q2, 2018

Cash

208.5m267.6m251.9m231.4m304.6m

PP&E

591.6m595.8m610.0m626.7m639.3m

Goodwill

484.3m486.1m502.0m511.5m510.0m

Total Assets

23.5b24.4b27.4b28.5b29.5b

Accounts Payable

19.2b20.0b22.9b23.3b24.4b

Long-term debt

799.5m588.1m469.0m915.0m667.0m

Total Debt

799.5m588.1m469.0m915.0m667.0m

Total Liabilities

21.1b21.8b24.4b25.4b26.4b

Retained Earnings

967.9m1.0b1.3b1.4b1.5b

Total Equity

2.4b2.6b2.9b3.0b3.1b

Debt to Equity Ratio

0.3 x0.2 x

Debt to Assets Ratio

0 x0 x

Financial Leverage

9.7 x9.3 x9.4 x9.4 x9.5 x

Wintrust Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

137.2m151.4m156.7m206.9m257.7m

Depreciation and Amortization

26.2m32.1m36.7m

Accounts Receivable

Inventories

Accounts Payable

Cash From Operating Activities

321.8m235.8m38.0m309.1m401.0m

Cash From Investing Activities

(240.8m)(1.9b)(1.6b)(2.5b)(2.3b)

Dividends Paid

(13.9m)(24.9m)(29.9m)(38.6m)(40.5m)

Cash From Financing Activities

(132.2m)1.6b1.6b2.2b1.9b

Interest Paid

83.4m73.3m77.7m91.4m112.8m

Income Taxes Paid

97.7m94.7m94.9m76.8m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018

Net Income

101.9m34.5m73.0m113.3m39.1m82.9m121.2m49.1m99.2m152.3m58.4m123.3m188.9m82.0m171.6m

Depreciation and Amortization

21.1m7.8m15.5m24.0m7.9m15.8m25.0m

Cash From Operating Activities

220.4m162.3m126.8m158.7m(118.3m)(54.5m)37.1m66.4m(92.7m)(83.0m)129.7m124.7m148.4m22.4m102.7m

Cash From Investing Activities

(177.5m)(487.2m)(999.7m)(990.4m)37.7m(429.2m)(847.5m)(517.7m)(1.1b)(2.0b)(306.3m)(1.2b)(1.7b)(499.0m)(1.3b)

Dividends Paid

(12.1m)(6.2m)(12.4m)(18.7m)(6.8m)(13.6m)(20.5m)(9.4m)(18.9m)(28.7m)(11.0m)(20.8m)(30.7m)(12.7m)(25.5m)

Cash From Financing Activities

(27.3m)403.8m965.9m855.3m140.8m505.2m830.4m387.8m1.1b2.1b123.7m1.1b1.5b430.5m1.3b

Wintrust Ratios

USDY, 2018

EV/EBIT

18.9 x

EV/CFO

43.9 x

Debt/Equity

0.2 x

Financial Leverage

9.5 x
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Wintrust Operating Metrics

Wintrust's Total Loans was reported to be $20.8b in Q2, 2017.
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Wintrust Employee Rating

3.5109 votes
Culture & Values
3.8
Work/Life Balance
3.5
Senior Management
3.2
Salary & Benefits
3.3
Career Opportunities
3.4
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