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Webster Financial cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$371M in Q2 2026 · $1.3B over twelve months

Operating cash flow$386M
Capital spending−$14.5M
Free cash flow+$371M
Cash / net income1.5×

Analysis

In Q2 2026, Webster Financial generated $386M of operating cash flow and spent $14.5M on capital projects, leaving free cash flow of $371M. That is $114M more than in Q2 2025 ($258M).

Over the twelve months to Jun 30, 2026, operating cash flow was $1.4B; the largest uses were other investing ($4.8B), buybacks ($334M), dividends ($260M); besides operations, cash came from other financing ($3.8B), asset & business sales ($3.6M); the cash balance fell by $271M.

Operating cash flow was $386M against net income of $257M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: deferred taxes −$32.1M, depreciation & amortization +$19.9M, stock-based pay +$17.2M.

Free cash flow

Webster Financial: free cash flow by quarterWebster Financial: free cash flow by quarter$35.3MQ3 2024$879MQ4 2024$86.6MQ1 2025$258MQ2 2025$363MQ3 2025$302MQ4 2025$278MQ1 2026$371MQ2 2026
Operating cash flow less capital spending.
Webster Financial: operating cash flow against capital spendingWebster Financial: operating cash flow against capital spendingOperating cash flowCapital spending$45.3M$10.0MQ3 2024$891M$12.3MQ4 2024$94.9M$8.3MQ1 2025$271M$13.2MQ2 2025$375M$12.2MQ3 2025$318M$15.8MQ4 2025$289M$10.5MQ1 2026$386M$14.5MQ2 2026
Latest (Q2 2026): Operating cash flow $386M, Capital spending $14.5M.

Capital allocation, year by year

Webster Financial: where the cash came from (up) and went (down), by fiscal yearWebster Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $689MFY2021: Shares issued $3.5MFY2021: Asset sales $3.2MFY2021: Capital spending −$16.6MFY2021: Dividends −$145M$695MFY2021FY2022: Operating cash flow $1.3BFY2022: Shares issued $703KFY2022: Asset sales $300KFY2022: Capital spending −$28.8MFY2022: Acquisitions −$54.4MFY2022: Buybacks −$322MFY2022: Dividends −$248M$1.3BFY2022FY2023: Operating cash flow $979MFY2023: Shares issued $1.7MFY2023: Asset sales $6.9MFY2023: Capital spending −$40.3MFY2023: Buybacks −$108MFY2023: Dividends −$278M$987MFY2023FY2024: Operating cash flow $1.4BFY2024: Shares issued $254KFY2024: Asset sales $6.8MFY2024: Capital spending −$35.8MFY2024: Buybacks −$65.4MFY2024: Dividends −$275M$1.4BFY2024FY2025: Operating cash flow $1.1BFY2025: Shares issued $67KFY2025: Asset sales $4.3MFY2025: Capital spending −$49.6MFY2025: Buybacks −$594MFY2025: Dividends −$267M$1.1BFY2025
Over these 5 years operating cash flow totalled $5.5B; the largest uses were dividends ($1.2B) and buybacks ($1.1B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$2.7B
Debt$737M
Net cash$2.0B

Webster Financial funds itself: free cash flow was $1.3B over the last twelve months, and $2.7B of cash and investments stands against $737M of debt.

Where the cash came from and went

Webster Financial: sources (+) and uses (−) of cash, Q2 2026Webster Financial: sources (+) and uses (−) of cash, Q2 2026Other investing−$539MOperating cash flow$386MCash drawn (+) / kept (−)$138MOther financing$94.2MDividends−$64.8MCapital spending−$14.5MAsset & business sales$306K
Webster Financial: sources (+) and uses (−) of cash, TTM to Q2 2026Webster Financial: sources (+) and uses (−) of cash, TTM to Q2 2026Other investing−$4.8BOther financing$3.8BOperating cash flow$1.4BBuybacks−$334MCash drawn (+) / kept (−)$271MDividends−$260MCapital spending−$53.0MAsset & business sales$3.6M

From profit to cash

Webster Financial: net income to operating cash flow, Q2 2026Webster Financial: net income to operating cash flow, Q2 2026Net income$257MDepreciation & amortization$19.9MStock-based pay$17.2MDeferred taxes−$32.1MPrepaid and other assets−$13.2MOperating cash flow$386M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026$386M−$14.5M—−$64.8M—$138M$371M
Q1 2026$289M−$10.5M—−$64.5M—−$411M$278M
Q4 2025$318M−$15.8M−$204M−$64.5M—$613M$302M
Q3 2025$375M−$12.2M−$130M−$66.5M—−$68.6M$363M
Q2 2025$271M−$13.2M−$78.6M−$67.3M—−$482M$258M
Q1 2025$94.9M−$8.3M−$181M−$68.5M—−$438M$86.6M
Q4 2024$891M−$12.3M−$1K−$67.8M$254K$1.1B$879M
Q3 2024$45.3M−$10.0M—−$69.1M—−$1.7B$35.3M

Webster Financial: income statement and cash flow

Webster Financial, Q2 2026: revenue $740M (+3% year over year), operating margin 48.0%. The chart follows the revenue to costs, profit and cash.

Webster Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.