Is WINTRUST FINANCIAL CORP (WTFC) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 46.5% | |
| Net Margin | 31.3% | |
| Return on Equity (ROE) | 12.1% | |
| Return on Assets (ROA) | 1.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $910M |
| Free Cash Flow | $860M |
| Total Debt | $4.5B |
| Total Assets | $71.1B |
Price & Trading
| Last Close | $135.29 |
| 50-Day MA | $145.24 |
| 200-Day MA | $135.52 |
| Avg Volume | 499K |
| Beta | 0.9 |
|
52-Week Range
$89.10
| |
About WINTRUST FINANCIAL CORP (WTFC)
Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest-bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine, online and mobile banking, and other services. This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies. In addition, it provides loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
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Frequently Asked Questions
Is WINTRUST FINANCIAL CORP (WTFC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), WINTRUST FINANCIAL CORP is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is WINTRUST FINANCIAL CORP's debt ratio?
WINTRUST FINANCIAL CORP's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are WINTRUST FINANCIAL CORP's key financial metrics?
WINTRUST FINANCIAL CORP has a market capitalization of $8.9B, trailing P/E ratio of 11.6, and revenue of $2.7B. Return on equity stands at 12.1%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.