FLAGSTAR BANK NA (FLG) Stock Fundamental Analysis
USA - NYSE:FLG - US6494454001 - Common Stock
10.88 USD
-0.02 (-0.18%)
10.95 USD
+0.07 (+0.64%)
FLG gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. FLG has a bad profitability rating. Also its financial health evaluation is rather negative. FLG is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year FLG has reported negative net income.
FLG had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: FLG reported negative net income in multiple years.
Each year in the past 5 years FLG had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of -0.73%, FLG is not doing good in the industry: 95.64% of the companies in the same industry are doing better.
FLG has a Return On Equity of -8.29%. This is amonst the worse of the industry: FLG underperforms 95.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.73% | ||
| ROE | -8.29% | ||
| 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
1.3 Margins
FLG does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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.
Compared to 5 years ago, FLG has more shares outstanding
The debt/assets ratio for FLG has been reduced compared to a year ago.
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 62.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FLG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 76.36%, which is quite impressive.
Looking at the last year, FLG shows a very negative growth in Revenue. The Revenue has decreased by -23.77% in the last year.
Measured over the past years, FLG shows a quite strong growth in Revenue. The Revenue has been growing by 19.63% on average per year.
EPS 1Y (TTM)76.36%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%89.86%
Revenue 1Y (TTM)-23.77%
Revenue growth 3Y23.65%
Revenue growth 5Y19.63%
Sales Q2Q%-16.67%
3.2 Future
FLG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.03% yearly.
FLG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.99% yearly.
EPS Next Y85.84%
EPS Next 2Y49.43%
EPS Next 3Y38.03%
EPS Next 5YN/A
Revenue Next Year-18.31%
Revenue Next 2Y1.58%
Revenue Next 3Y8.99%
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for FLG. In the last year negative earnings were reported.
FLG is valuated correctly with a Price/Forward Earnings ratio of 16.51.
76.92% of the companies in the same industry are cheaper than FLG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FLG to the average of the S&P500 Index (32.68), we can say FLG is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 16.51 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FLG's 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 38.03% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.43%
EPS Next 3Y38.03%
5. Dividend
5.1 Amount
With a yearly dividend of 0.36%, FLG is not a good candidate for dividend investing.
With a Dividend Yield of 0.36, FLG pays less dividend than the industry average, which is at 3.42. 85.90% of the companies listed in the same industry pay a better dividend than FLG!
With a Dividend Yield of 0.36, FLG pays less dividend than the S&P500 average, which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.36% |
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
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-7.3%
EPS Next 2Y49.43%
EPS Next 3Y38.03%
10.88
-0.02 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.83%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner Change0%
Market Cap4.52B
Revenue(TTM)2.13B
Net Income(TTM)-671.00M
Analysts71.82
Price Target14.12 (29.78%)
Short Float %16.7%
Short Ratio9.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.36% |
Yearly Dividend0.27
Dividend Growth(5Y)-34.54%
DP-7.3%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.72%
Min EPS beat(2)-7.14%
Max EPS beat(2)18.59%
EPS beat(4)2
Avg EPS beat(4)-5.1%
Min EPS beat(4)-69.74%
Max EPS beat(4)37.91%
EPS beat(8)3
Avg EPS beat(8)-53.04%
EPS beat(12)5
Avg EPS beat(12)-32.11%
EPS beat(16)7
Avg EPS beat(16)-23.94%
Revenue beat(2)0
Avg Revenue beat(2)-9.34%
Min Revenue beat(2)-10.7%
Max Revenue beat(2)-7.98%
Revenue beat(4)0
Avg Revenue beat(4)-6.4%
Min Revenue beat(4)-10.7%
Max Revenue beat(4)-1.53%
Revenue beat(8)2
Avg Revenue beat(8)-0.77%
Revenue beat(12)5
Avg Revenue beat(12)41.26%
Revenue beat(16)8
Avg Revenue beat(16)31.97%
PT rev (1m)1.38%
PT rev (3m)3.19%
EPS NQ rev (1m)-23.21%
EPS NQ rev (3m)-99.66%
EPS NY rev (1m)0.16%
EPS NY rev (3m)-27.64%
Revenue NQ rev (1m)-0.33%
Revenue NQ rev (3m)-4.2%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)-2.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 16.51 | ||
| P/S | 2.02 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.56 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.78
EYN/A
EPS(NY)0.66
Fwd EY6.06%
FCF(TTM)-1.55
FCFYN/A
OCF(TTM)-1.57
OCFYN/A
SpS5.38
BVpS19.48
TBVpS18.44
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.73% | ||
| ROE | -8.29% | ||
| 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 2.94% | ||
| Cap/Sales | 0.22% | ||
| 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
WACC16.22%
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)76.36%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%89.86%
EPS Next Y85.84%
EPS Next 2Y49.43%
EPS Next 3Y38.03%
EPS Next 5YN/A
Revenue 1Y (TTM)-23.77%
Revenue growth 3Y23.65%
Revenue growth 5Y19.63%
Sales Q2Q%-16.67%
Revenue Next Year-18.31%
Revenue Next 2Y1.58%
Revenue Next 3Y8.99%
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 1Y35.34%
FCF growth 3Y-44.08%
FCF growth 5Y-37.15%
OCF growth 1Y30.97%
OCF growth 3Y-33.31%
OCF growth 5Y-29.95%
FLAGSTAR BANK NA / FLG FAQ
Can you provide the ChartMill fundamental rating for FLAGSTAR BANK NA?
ChartMill assigns a fundamental rating of 2 / 10 to FLG.
What is the valuation status for FLG stock?
ChartMill assigns a valuation rating of 3 / 10 to FLAGSTAR BANK NA (FLG). This can be considered as Overvalued.
Can you provide the profitability details for FLAGSTAR BANK NA?
FLAGSTAR BANK NA (FLG) has a profitability rating of 1 / 10.
What is the financial health of FLAGSTAR BANK NA (FLG) stock?
The financial health rating of FLAGSTAR BANK NA (FLG) is 1 / 10.