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FLAGSTAR FINANCIAL INC (FLG) Stock Fundamental Analysis

NYSE:FLG - New York Stock Exchange, Inc. - US6494454001 - Common Stock - Currency: USD

11.2  -0.09 (-0.8%)

After market: 11.21 +0.01 (+0.09%)

Fundamental Rating

2

Taking everything into account, FLG scores 2 out of 10 in our fundamental rating. FLG was compared to 393 industry peers in the Banks industry. FLG has a bad profitability rating. Also its financial health evaluation is rather negative. FLG is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

FLG had negative earnings in the past year.
In the past year FLG has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: FLG reported negative net income in multiple years.
In the past 5 years FLG always reported a positive cash flow from operatings.
FLG Yearly Net Income VS EBIT VS OCF VS FCFFLG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B

1.2 Ratios

FLG's Return On Assets of -0.95% is on the low side compared to the rest of the industry. FLG is outperformed by 97.20% of its industry peers.
FLG's Return On Equity of -11.36% is on the low side compared to the rest of the industry. FLG is outperformed by 97.20% of its industry peers.
Industry RankSector Rank
ROA -0.95%
ROE -11.36%
ROIC N/A
ROA(3y)-0.19%
ROA(5y)0.24%
ROE(3y)-2.87%
ROE(5y)1.24%
ROIC(3y)N/A
ROIC(5y)N/A
FLG Yearly ROA, ROE, ROICFLG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for FLG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FLG Yearly Profit, Operating, Gross MarginsFLG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

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2. Health

2.1 Basic Checks

FLG does not have a ROIC to compare to the WACC, probably because it is not profitable.
FLG has more shares outstanding than it did 1 year ago.
FLG has more shares outstanding than it did 5 years ago.
FLG has a better debt/assets ratio than last year.
FLG Yearly Shares OutstandingFLG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
FLG Yearly Total Debt VS Total AssetsFLG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

FLG has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FLG (0.13) is better than 63.10% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.91%
FLG Yearly LT Debt VS Equity VS FCFFLG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FLG Yearly Current Assets VS Current LiabilitesFLG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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3. Growth

3.1 Past

FLG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.50%, which is quite good.
FLG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -30.47%.
The Revenue has been growing by 19.63% on average over the past years. This is quite good.
EPS 1Y (TTM)8.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%86.67%
Revenue 1Y (TTM)-30.47%
Revenue growth 3Y23.65%
Revenue growth 5Y19.63%
Sales Q2Q%-24.78%

3.2 Future

FLG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.05% yearly.
The Revenue is expected to grow by 9.35% on average over the next years. This is quite good.
EPS Next Y88.9%
EPS Next 2Y49.95%
EPS Next 3Y38.05%
EPS Next 5YN/A
Revenue Next Year-16.54%
Revenue Next 2Y4.39%
Revenue Next 3Y9.35%
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
FLG Yearly Revenue VS EstimatesFLG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
FLG Yearly EPS VS EstimatesFLG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4

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4. Valuation

4.1 Price/Earnings Ratio

FLG reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 15.92 indicates a correct valuation of FLG.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FLG indicates a slightly more expensive valuation: FLG is more expensive than 76.59% of the companies listed in the same industry.
FLG is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 15.92
FLG Price Earnings VS Forward Price EarningsFLG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FLG Per share dataFLG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as FLG's earnings are expected to grow with 38.05% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.95%
EPS Next 3Y38.05%

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5. Dividend

5.1 Amount

FLG has a yearly dividend return of 0.35%, which is pretty low.
Compared to an average industry Dividend Yield of 3.40, FLG's dividend is way lower than its industry peers. On top of this 87.79% of the companies listed in the same industry pay a better dividend than FLG!
With a Dividend Yield of 0.35, FLG pays less dividend than the S&P500 average, which is at 2.35.
Industry RankSector Rank
Dividend Yield 0.35%

5.2 History

The dividend of FLG decreases each year by -34.54%.
FLG has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-34.54%
Div Incr Years0
Div Non Decr Years0
FLG Yearly Dividends per shareFLG Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

The earnings of FLG are negative and hence is the payout ratio. FLG will probably not be able to sustain this dividend level.
DP-6.16%
EPS Next 2Y49.95%
EPS Next 3Y38.05%
FLG Yearly Income VS Free CF VS DividendFLG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B

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FLAGSTAR FINANCIAL INC

NYSE:FLG (8/1/2025, 8:04:01 PM)

After market: 11.21 +0.01 (+0.09%)

11.2

-0.09 (-0.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-25 2025-07-25/bmo
Earnings (Next)10-23 2025-10-23/bmo
Inst Owners79.14%
Inst Owner ChangeN/A
Ins Owners0.39%
Ins Owner Change99.27%
Market Cap4.65B
Analysts72.38
Price Target13.68 (22.14%)
Short Float %16.34%
Short Ratio8.99
Dividend
Industry RankSector Rank
Dividend Yield 0.35%
Yearly Dividend0.27
Dividend Growth(5Y)-34.54%
DP-6.16%
Div Incr Years0
Div Non Decr Years0
Ex-Date09-05 2025-09-05 (0.01)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)28.25%
Min EPS beat(2)18.59%
Max EPS beat(2)37.91%
EPS beat(4)2
Avg EPS beat(4)-40.36%
Min EPS beat(4)-148.19%
Max EPS beat(4)37.91%
EPS beat(8)4
Avg EPS beat(8)-46.17%
EPS beat(12)6
Avg EPS beat(12)-30.95%
EPS beat(16)8
Avg EPS beat(16)-22.85%
Revenue beat(2)0
Avg Revenue beat(2)-8.04%
Min Revenue beat(2)-10.7%
Max Revenue beat(2)-5.37%
Revenue beat(4)0
Avg Revenue beat(4)-6.46%
Min Revenue beat(4)-10.7%
Max Revenue beat(4)-1.53%
Revenue beat(8)3
Avg Revenue beat(8)6.81%
Revenue beat(12)6
Avg Revenue beat(12)42.81%
Revenue beat(16)9
Avg Revenue beat(16)32.88%
PT rev (1m)-1.7%
PT rev (3m)3.01%
EPS NQ rev (1m)5.4%
EPS NQ rev (3m)0.9%
EPS NY rev (1m)-0.94%
EPS NY rev (3m)9.98%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-5.75%
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)-5.23%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 15.92
P/S 1.93
P/FCF N/A
P/OCF N/A
P/B 0.57
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)-1.4
EYN/A
EPS(NY)0.7
Fwd EY6.28%
FCF(TTM)-0.53
FCFYN/A
OCF(TTM)-0.51
OCFYN/A
SpS5.8
BVpS19.63
TBVpS18.52
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.95%
ROE -11.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-0.19%
ROA(5y)0.24%
ROE(3y)-2.87%
ROE(5y)1.24%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 5.65%
Cap/Sales 0.42%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.91%
ROIC/WACCN/A
Cap/Depr(3y)25.41%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.91%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%86.67%
EPS Next Y88.9%
EPS Next 2Y49.95%
EPS Next 3Y38.05%
EPS Next 5YN/A
Revenue 1Y (TTM)-30.47%
Revenue growth 3Y23.65%
Revenue growth 5Y19.63%
Sales Q2Q%-24.78%
Revenue Next Year-16.54%
Revenue Next 2Y4.39%
Revenue Next 3Y9.35%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-105.69%
FCF growth 3Y-44.08%
FCF growth 5Y-37.15%
OCF growth 1Y-105.42%
OCF growth 3Y-33.31%
OCF growth 5Y-29.95%