WTFC Wintrust Financial margins

Relative Growth: Rel. Growth: 88

Relative Strength: Rel. Strength: 57

Relative Valuation: Rel. Valuation: 78

Relative Profitability: Rel. Profitability: 83

Gross margin

100%

Operating margin

44.3%

EBITDA margin

48.5%

Net margin

32.8%

Using the latest TTM figures, Wintrust Financial shows a gross margin of 100%, an operating margin of 44.3%, an EBITDA margin of 48.5%, and a net margin of 32.8%. Operating margin led the available margin gains with 2.6 percentage points, while the other margins were unchanged.

WTFC margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Wintrust Financial recorded average margins of 100% gross, 40.91% operating, 45.23% EBITDA, and 30.16% net. Wintrust Financial's current performance shows that operating, EBITDA, and net margins are above their three-year averages.

WTFC margin expansion

Year-over-year margin changes in percentage points

From the same period last year, operating margin expanded by 2.6 percentage points, EBITDA margin by 2.2 percentage points, and net margin by 2.2 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

2.6pp

EBITDA margin expansion

2.2pp

Net margin expansion

2.2pp

WTFC Gross margin

Looking back over the last 3 years, Wintrust Financial recorded an average gross margin of 100%. Against its three-year average, Wintrust Financial's gross margin is currently 100%, in line with its three-year average. The highest gross margin for Wintrust Financial was 100% in Sep 2026, while the lowest was 100% in Dec 2023.

WTFC Operating margin

Over the last 3 years, the average operating margin for Wintrust Financial was 40.91%. The current operating margin stands at 44.3%, 3.4 percentage points above its three-year average. Wintrust Financial's operating margin ranged from a low of 38.1% in Sep 2024 to a high of 44.3% in Sep 2026.

WTFC EBITDA margin

Wintrust Financial's EBITDA margin averaged 45.23% over the last 3 years. The current EBITDA margin stands at 48.5%, 3.3 percentage points above its three-year average. Over the last 3 years, Wintrust Financial's EBITDA margin peaked at 48.5% in Sep 2026 and reached a low of 42.2% in Sep 2024.

WTFC Net margin

Across the last 3 years, Wintrust Financial recorded an average net margin of 30.16%. Wintrust Financial's current net margin is 32.8% and is 2.6 percentage points above its three-year average. The highest net margin for Wintrust Financial was 32.8% in Sep 2026, while the lowest was 28.1% in Sep 2024.

WTFC margin group comparison

Margins compared with peer-group, industry and sector averages

Wintrust Financial's gross margin of 100% is higher than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 83.5%, Wintrust Financial's gross margin is 20% higher.

WTFC margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Wintrust Financial's gross margin?

The current gross margin for WTFC is 100% as of Sep 30, 2026.

What is Wintrust Financial's operating margin?

As of Sep 30, 2026, WTFC has an operating margin of 44.3%.

What is Wintrust Financial's EBITDA margin?

For the period ending Sep 30, 2026, WTFC recorded an EBITDA margin of 48.5%.

What is Wintrust Financial's net margin?

As of Sep 30, 2026, WTFC has a net margin of 32.8%.

What are the average margins of WTFC?

Across the last 3 years, WTFC averaged 100.0% gross, 40.9% operating, 45.2% EBITDA, and 30.2% net.

What are the highest historical margins of WTFC?

Over this 5-year history, WTFC peaked at 100% gross in Sep 2026, 44.3% operating in Sep 2026, 48.5% EBITDA in Sep 2026, and 32.8% net in Sep 2026.

What are the lowest historical margins of WTFC?

Wintrust Financial's lowest recorded margins during the past 5 years were 100% gross in Dec 2021, 34.2% operating in Jun 2022, 39.7% EBITDA in Jun 2022, and 24.8% net in Jun 2022.