Discounted Cash Flow
Wintrust Financial Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $722.2m | $206.9m | $275.2m | 28.6% | $3.83 |
| 2017 | $832.1m (15.2%) | $257.7m (24.6%) | $341.8m (24.2%) | 31.0% (8.1%) | $4.53 (18.3%) |
| 2018 | $964.9m (16.0%) | $343.2m (33.2%) | $308.9m (-9.6%) | 35.6% (14.8%) | $5.95 (31.3%) |
| 2019 | $161.5m (-83.3%) | $355.7m (3.7%) | $184.0m (-40.4%) | 220.3% (519.4%) | $6.11 (2.7%) |
| 2020 | $170.1m (5.4%) | $293.0m (-17.6%) | $-582.1m (-416.4%) | 172.2% (-21.8%) | $4.72 (-22.7%) |
| 2021 | $207.2m (21.8%) | $466.2m (59.1%) | $1.1b (284.5%) | 225.0% (30.7%) | $7.69 (62.9%) |
| 2022 | $217.7m (5.1%) | $509.7m (9.3%) | $1.3b (23.1%) | 234.1% (4.0%) | $8.14 (5.9%) |
| 2023 | $220.4m (1.3%) | $622.6m (22.2%) | $698.0m (-47.2%) | 282.4% (20.7%) | $9.72 (19.4%) |
| 2024 | $250.7m (13.7%) | $695.0m (11.6%) | $635.5m (-8.9%) | 277.2% (-1.9%) | $10.47 (7.7%) |
| 2025 | $265.6m (5.9%) | $823.8m (18.5%) | $860.4m (35.4%) | 310.1% (11.9%) | $11.57 (10.5%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.