MEDIUM confidence: 100% data completeness, but the composite (59) sits in the indecisive 30–70 range — strong-buy and short calls require a more decisive composite. What does confidence mean?
Technical context for active traders — derived from price, the 50/200-day moving averages, the 52-week range, and recent volume. Not part of the QScore.
Fama-French 5-factor (2×3) + Momentum, monthly OLS with Newey-West errors. Bars show signed factor betas; faded bars/figures aren't statistically significant.
Avg target $0 (last qtr, 0 analysts) → $0 (last mo, 0).
Buy-rated share 80% → 75% over ~3 months (-5pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Apr 2026 | $2.96 | $3.22 | +8.8% |
| Jan 2026 | $2.93 | $3.15 | +7.5% |
| Oct 2025 | $2.63 | $3.06 | +16.3% |
| Jul 2025 | $2.60 | $2.78 | +6.9% |
| Apr 2025 | $2.49 | $2.69 | +8.0% |
| Jan 2025 | $2.52 | $2.63 | +4.4% |
| Oct 2024 | $2.51 | $2.47 | -1.6% |
| Jul 2024 | $2.42 | $2.32 | -4.1% |
| Metric (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $1.9B— | $2.2B+18.6% | $3.3B+50.7% | $4.0B+19.2% | $4.2B+6.7% |
| EPS (dil.) | $7.58— | $8.02+5.8% | $9.58+19.5% | $10.31+7.6% | $11.56+12.1% |
| Free Cash Flow | $1.1B— | $1.3B+23.1% | $698M-47.2% | $636M-8.9% | $860M+35.4% |
| Gross Margin | 95.1% | 85.0%-10.1pp | 64.8%-20.2pp | 59.3%-5.6pp | 62.2%+2.9pp |
| Operating Margin | 34.3% | 31.7%-2.5pp | 25.4%-6.3pp | 23.9%-1.5pp | 26.4%+2.6pp |
| Net Margin | 25.0% | 23.1%-2.0pp | 18.7%-4.4pp | 17.5%-1.2pp | 19.5%+2.0pp |
Absolute figures with year-over-year change. Margins show the level with the change in percentage points (pp). “n/m” = not meaningful (prior ≤ 0); ⚠ marks a large percentage off a small base — read the dollar figure.
Net insider -$5.1M over 180 days (0 open-market buys, 12 sells). Insider buying is the informative signal; routine selling is normal.
Short interest, days-to-cover, and institutional-ownership change require a data-plan upgrade (not yet available).
Forward-return IC, quintile spread & hit rate publish on /performance as the tracking panel accrues enough no-look-ahead history.
Net buyback (repurchases less issuance) ÷ market cap, plus trailing dividend yield.
The QScore of 59 for Wintrust Financial Corporation suggests a moderately attractive stock, with the short-term score of 62 being slightly more favorable than the long-term score of 57. The stock scores high on momentum, driven by a 12-month return of 32.9% and a bullish 50-day versus 200-day moving average. In contrast, the value category is a relative weakness, with a P/E of 13.3 and P/B of 1.5 indicating a moderate valuation, while the growth and profitability categories are middling, with revenue growth of 6.7% and ROE near 12%.