InsiderClue
Stocks · Financials · National Commercial Banks

WEBSTER FINANCIAL CORP

WBS Clue Score61
United States Fiscal year ends December CIK 0000801337
$77.57 +0.00% Close, 20 Aug 2026
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Price $77.57 +59.28% Close, 20 Aug 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue0.17Net income0.21EPS, diluted2.16Fiscal year 2017Revenue0.19 +7.2%Operating income0.39Net income0.26 +23.3%EPS, diluted2.67Fiscal year 2018Revenue0.20 +7.9%Operating income0.48Net income0.36 +41.1%EPS, diluted3.81Fiscal year 2019Revenue0.21 +3.8%Operating income0.52Net income0.38 +6.2%EPS, diluted4.06Fiscal year 2020Revenue0.20 −4.6%Operating income0.42Net income0.22 −42.4%EPS, diluted2.35Fiscal year 2021Revenue0.21 +6.9%Operating income0.48Net income0.41 +85.3%EPS, diluted4.42Fiscal year 2022Revenue0.27 +26.5%Operating income1.08Net income0.64 +57.6%EPS, diluted3.72Fiscal year 2023Revenue0.23 −13.1%Operating income1.24Net income0.87 +34.7%EPS, diluted4.91Fiscal year 2024Revenue0.25 +5.3%Operating income1.24Net income0.77 −11.4%EPS, diluted4.37Fiscal year 2025Revenue0.24 −3.1%Operating income1.47Net income1.00 +30.5%EPS, diluted5.90
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.17 0.19 0.20 0.21 0.20 0.21 0.27 0.23 0.25 0.24
Growth +7.2% +7.9% +3.8% −4.6% +6.9% +26.5% −13.1% +5.3% −3.1%
Operating income n/a 0.39 0.48 0.52 0.42 0.48 1.08 1.24 1.24 1.47
Net income 0.21 0.26 0.36 0.38 0.22 0.41 0.64 0.87 0.77 1.00
Growth +23.3% +41.1% +6.2% −42.4% +85.3% +57.6% +34.7% −11.4% +30.5%
EPS, diluted 2.16 2.67 3.81 4.06 2.35 4.42 3.72 4.91 4.37 5.90

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Net margin119.5%Free cash flow margin206.1%Fiscal year 2017Operating margin212.3%Net margin137.4%Free cash flow margin223.9%Fiscal year 2018Operating margin241.0%Net margin179.6%Free cash flow margin217.5%Fiscal year 2019Operating margin251.8%Net margin183.7%Free cash flow margin133.5%Fiscal year 2020Operating margin210.2%Net margin111.0%Free cash flow margin180.8%Fiscal year 2021Operating margin225.7%Net margin192.5%Free cash flow margin316.4%Fiscal year 2022Operating margin401.5%Net margin239.8%Free cash flow margin486.5%Fiscal year 2023Operating margin529.2%Net margin371.8%Free cash flow margin402.0%Fiscal year 2024Operating margin504.3%Net margin312.9%Free cash flow margin557.0%Fiscal year 2025Operating margin617.8%Net margin421.4%Free cash flow margin423.8%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin n/a 212.3% 241.0% 251.8% 210.2% 225.7% 401.5% 529.2% 504.3% 617.8%
Net margin 119.5% 137.4% 179.6% 183.7% 111.0% 192.5% 239.8% 371.8% 312.9% 421.4%
Free cash flow margin 206.1% 223.9% 217.5% 133.5% 180.8% 316.4% 486.5% 402.0% 557.0% 423.8%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.40Capital expenditure−0.04Free cash flow0.36Buybacks−0.01Dividends paid−0.09Fiscal year 2017Operating cash flow0.44Capital expenditure−0.03Free cash flow0.42 +16.5%Buybacks−0.01Dividends paid−0.09Fiscal year 2018Operating cash flow0.47Capital expenditure−0.03Free cash flow0.44 +4.8%Buybacks−0.01Dividends paid−0.11Fiscal year 2019Operating cash flow0.30Capital expenditure−0.03Free cash flow0.28 −36.3%Buybacks−0.01Dividends paid−0.14Fiscal year 2020Operating cash flow0.38Capital expenditure−0.02Free cash flow0.36 +29.2%Buybacks−0.08Dividends paid−0.14Fiscal year 2021Operating cash flow0.69Capital expenditure−0.02Free cash flow0.67 +87.0%Buybacks0.00Dividends paid−0.14Fiscal year 2022Operating cash flow1.34Capital expenditure−0.03Free cash flow1.31 +94.5%Buybacks−0.32Dividends paid−0.25Fiscal year 2023Operating cash flow0.98Capital expenditure−0.04Free cash flow0.94 −28.2%Buybacks−0.11Dividends paid−0.28Fiscal year 2024Operating cash flow1.40Capital expenditure−0.04Free cash flow1.37 +45.8%Buybacks−0.07Dividends paid−0.27Fiscal year 2025Operating cash flow1.06Capital expenditure−0.05Free cash flow1.01 −26.3%Buybacks−0.59Dividends paid−0.27
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.40 0.44 0.47 0.30 0.38 0.69 1.34 0.98 1.40 1.06
Capital expenditure −0.04 −0.03 −0.03 −0.03 −0.02 −0.02 −0.03 −0.04 −0.04 −0.05
Free cash flow 0.36 0.42 0.44 0.28 0.36 0.67 1.31 0.94 1.37 1.01
Growth +16.5% +4.8% −36.3% +29.2% +87.0% +94.5% −28.2% +45.8% −26.3%
Buybacks −0.01 −0.01 −0.01 −0.01 −0.08 0.00 −0.32 −0.11 −0.07 −0.59
Dividends paid −0.09 −0.09 −0.11 −0.14 −0.14 −0.14 −0.25 −0.28 −0.27 −0.27

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.22Total debt0.23Net cash (debt)−0.01Shareholders’ equity2.53Debt to equity0.09Fiscal year 2017Cash0.26Total debt0.23Net cash (debt)0.03Shareholders’ equity2.70Debt to equity0.08Fiscal year 2018Cash0.33Total debt0.23Net cash (debt)0.10Shareholders’ equity2.89Debt to equity0.08Fiscal year 2019Cash0.26Total debt0.54Net cash (debt)−0.28Shareholders’ equity3.21Debt to equity0.17Fiscal year 2020Cash0.26Total debt0.57Net cash (debt)−0.30Shareholders’ equity3.23Debt to equity0.18Fiscal year 2021Cash0.46Total debt0.56Net cash (debt)−0.10Shareholders’ equity3.44Debt to equity0.16Fiscal year 2022Cash0.84Total debt1.07Net cash (debt)−0.23Shareholders’ equity8.06Debt to equity0.13Fiscal year 2023Cash1.72Total debt1.05Net cash (debt)0.67Shareholders’ equity8.69Debt to equity0.12Fiscal year 2024Cash2.07Total debt0.91Net cash (debt)1.17Shareholders’ equity9.13Debt to equity0.10Fiscal year 2025Cash2.45Total debt0.74Net cash (debt)1.71Shareholders’ equity9.49Debt to equity0.08
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.22 0.26 0.33 0.26 0.26 0.46 0.84 1.72 2.07 2.45
Total debt 0.23 0.23 0.23 0.54 0.57 0.56 1.07 1.05 0.91 0.74
Net cash (debt) −0.01 0.03 0.10 −0.28 −0.30 −0.10 −0.23 0.67 1.17 1.71
Shareholders’ equity 2.53 2.70 2.89 3.21 3.23 3.44 8.06 8.69 9.13 9.49
Debt to equity 0.09 0.08 0.08 0.17 0.18 0.16 0.13 0.12 0.10 0.08

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a 212.3% 241.0% 251.8% 210.2% 225.7% 401.5% 529.2% 504.3% 617.8%
175.0% 190.3% 220.1% 233.7% 140.9% 251.3% 297.0% 464.6% 413.9% 529.5%
119.5% 137.4% 179.6% 183.7% 111.0% 192.5% 239.8% 371.8% 312.9% 421.4%
206.1% 223.9% 217.5% 133.5% 180.8% 316.4% 486.5% 402.0% 557.0% 423.8%
Spending
23.5% 15.4% 16.4% 12.3% 10.7% 7.8% 10.7% 17.3% 14.6% 20.8%
31.7% 27.8% 18.4% 21.4% 21.2% 23.4% 19.3% 20.0% 24.4% 20.4%
Returns
8.2% 9.5% 12.5% 11.9% 6.8% 11.9% 8.0% 10.0% 8.4% 10.6%
0.8% 1.0% 1.3% 1.3% 0.7% 1.2% 0.9% 1.2% 1.0% 1.2%
Balance and payout
0.09 0.08 0.08 0.17 0.18 0.16 0.13 0.12 0.10 0.08
90.3% 89.8% 89.5% 89.4% 90.1% 90.2% 88.7% 88.4% 88.4% 88.7%
43.2% 37.0% 31.9% 36.8% 65.7% 35.4% 38.5% 32.1% 35.7% 26.6%
28.2% 25.5% 29.1% 55.3% 61.7% 21.5% 43.6% 41.2% 24.8% 85.3%