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FLAGSTAR FINANCIAL INC (FLG) Stock Fundamental Analysis

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

11.64  +0.09 (+0.78%)

After market: 11.64 0 (0%)

Fundamental Rating

2

FLG gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 504 industry peers in the Banks industry. FLG may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, FLG is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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1

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.
In multiple years FLG reported negative net income over the last 5 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 has a Return On Assets of -0.95%. This is amonst the worse of the industry: FLG underperforms 97.22% of its industry peers.
With a Return On Equity value of -11.36%, FLG is not doing good in the industry: 97.22% of the companies in the same industry are doing better.
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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1

2. Health

2.1 Basic Checks

FLG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FLG has more shares outstanding
The number of shares outstanding for FLG has been increased compared to 5 years ago.
Compared to 1 year ago, FLG has an improved debt to assets ratio.
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.
With a decent Debt to Equity ratio value of 0.13, FLG is doing good in the industry, outperforming 63.38% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.27%
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 500M 1B 1.5B

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3. Growth

3.1 Past

The earnings per share for FLG have decreased strongly by -348.39% in the last year.
The Revenue for FLG has decreased by -35.66% in the past year. This is quite bad
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)-348.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%69.33%
Revenue 1Y (TTM)-35.66%
Revenue growth 3Y23.65%
Revenue growth 5Y19.63%
Sales Q2Q%-35.23%

3.2 Future

Based on estimates for the next years, FLG will show a very strong growth in Earnings Per Share. The EPS will grow by 38.08% on average per year.
Based on estimates for the next years, FLG will show a quite strong growth in Revenue. The Revenue will grow by 8.58% on average per year.
EPS Next Y89.12%
EPS Next 2Y49.97%
EPS Next 3Y38.08%
EPS Next 5YN/A
Revenue Next Year-15.4%
Revenue Next 2Y3.65%
Revenue Next 3Y8.58%
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

The Price/Earnings Ratio is negative for FLG. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 16.52, the valuation of FLG can be described as correct.
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 76.52% of the companies listed in the same industry.
FLG is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 16.52
FLG Price Earnings VS Forward Price EarningsFLG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

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

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 38.08% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.97%
EPS Next 3Y38.08%

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5. Dividend

5.1 Amount

FLG has a yearly dividend return of 0.34%, which is pretty low.
With a Dividend Yield of 0.34, FLG pays less dividend than the industry average, which is at 2.38. 87.63% of the companies listed in the same industry pay a better dividend than FLG!
With a Dividend Yield of 0.34, FLG pays less dividend than the S&P500 average, which is at 2.38.
Industry RankSector Rank
Dividend Yield 0.34%

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

FLG has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-6.16%
EPS Next 2Y49.97%
EPS Next 3Y38.08%
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 (6/5/2025, 8:04:01 PM)

After market: 11.64 0 (0%)

11.64

+0.09 (+0.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-25 2025-04-25/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners96.06%
Inst Owner ChangeN/A
Ins Owners0.28%
Ins Owner Change99.27%
Market Cap4.83B
Analysts71.58
Price Target13.69 (17.61%)
Short Float %13.51%
Short Ratio8.11
Dividend
Industry RankSector Rank
Dividend Yield 0.34%
Yearly Dividend0.27
Dividend Growth(5Y)-34.54%
DP-6.16%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-06 2025-06-06 (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)3.05%
PT rev (3m)3.67%
EPS NQ rev (1m)-0.6%
EPS NQ rev (3m)-6.68%
EPS NY rev (1m)11.73%
EPS NY rev (3m)11.8%
Revenue NQ rev (1m)-5.2%
Revenue NQ rev (3m)-6.04%
Revenue NY rev (1m)-4.82%
Revenue NY rev (3m)-5.11%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 16.52
P/S 2.01
P/FCF N/A
P/OCF N/A
P/B 0.59
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)-2.31
EYN/A
EPS(NY)0.7
Fwd EY6.05%
FCF(TTM)-0.53
FCFYN/A
OCF(TTM)-0.51
OCFYN/A
SpS5.8
BVpS19.64
TBVpS18.54
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
WACC16.27%
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)-348.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%69.33%
EPS Next Y89.12%
EPS Next 2Y49.97%
EPS Next 3Y38.08%
EPS Next 5YN/A
Revenue 1Y (TTM)-35.66%
Revenue growth 3Y23.65%
Revenue growth 5Y19.63%
Sales Q2Q%-35.23%
Revenue Next Year-15.4%
Revenue Next 2Y3.65%
Revenue Next 3Y8.58%
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%