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FLAGSTAR FINANCIAL INC (FLG) Stock Fundamental Analysis

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

12.2  -0.67 (-5.21%)

After market: 12.3 +0.1 (+0.82%)

Fundamental Rating

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Taking everything into account, FLG scores 1 out of 10 in our fundamental rating. FLG was compared to 405 industry peers in the Banks industry. FLG has a bad profitability rating. Also its financial health evaluation is rather negative. FLG is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

FLG had negative earnings in the past year.
FLG had a positive operating cash flow in the past year.
In multiple years FLG reported negative net income over the last 5 years.
Of the past 5 years FLG 4 years had a positive operating cash flow.
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 0 500M 1B

1.2 Ratios

FLG's Return On Assets of -3.19% is on the low side compared to the rest of the industry. FLG is outperformed by 99.50% of its industry peers.
With a Return On Equity value of -42.56%, FLG is not doing good in the industry: 99.25% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -3.19%
ROE -42.56%
ROIC N/A
ROA(3y)0.5%
ROA(5y)0.6%
ROE(3y)4.47%
ROE(5y)5.13%
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 0 2 4 6 8

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 0 10 20 30 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.
There is no outstanding debt for FLG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FLG Yearly Shares OutstandingFLG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M
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 20B 40B 60B 80B 100B

2.2 Solvency

The Debt to FCF ratio of FLG is 11.26, which is on the high side as it means it would take FLG, 11.26 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 11.26, FLG is doing worse than 73.18% of the companies in the same industry.
A Debt/Equity ratio of 0.24 indicates that FLG is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.24, FLG is in line with its industry, outperforming 43.36% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 11.26
Altman-Z N/A
ROIC/WACCN/A
WACC9.91%
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 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

FLG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -219.41%.
EPS 1Y (TTM)-219.41%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.02%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-46.83%

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 34.99% on average per year.
The Revenue is expected to grow by 10.78% on average over the next years. This is quite good.
EPS Next Y87.66%
EPS Next 2Y49.73%
EPS Next 3Y34.99%
EPS Next 5YN/A
Revenue Next Year-10.84%
Revenue Next 2Y4.28%
Revenue Next 3Y10.78%
Revenue Next 5YN/A

3.3 Evolution

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.
Also next year FLG is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
FLG Price Earnings VS Forward Price EarningsFLG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FLG is valued a bit more expensive than 74.19% of the companies in the same industry.
Industry RankSector Rank
P/FCF 27.37
EV/EBITDA N/A
FLG Per share dataFLG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

4.3 Compensation for Growth

FLG's earnings are expected to grow with 34.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.73%
EPS Next 3Y34.99%

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5. Dividend

5.1 Amount

With a yearly dividend of 0.31%, FLG is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.19, FLG's dividend is way lower than its industry peers. On top of this 86.97% of the companies listed in the same industry pay a better dividend than FLG!
With a Dividend Yield of 0.31, FLG pays less dividend than the S&P500 average, which is at 2.27.
Industry RankSector Rank
Dividend Yield 0.31%

5.2 History

The dividend of FLG decreases each year by -0.56%.
FLG has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-0.56%
Div Incr YearsN/A
Div Non Decr YearsN/A
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-5.62%
EPS Next 2Y49.73%
EPS Next 3Y34.99%
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 0 500M 1B

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FLAGSTAR FINANCIAL INC

NYSE:FLG (2/21/2025, 8:18:34 PM)

After market: 12.3 +0.1 (+0.82%)

12.2

-0.67 (-5.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/bmo
Earnings (Next)04-29 2025-04-29/bmo
Inst Owners96.06%
Inst Owner ChangeN/A
Ins Owners0.28%
Ins Owner Change99.27%
Market Cap5.06B
Analysts69
Price Target13.2 (8.2%)
Short Float %12.02%
Short Ratio6.79
Dividend
Industry RankSector Rank
Dividend Yield 0.31%
Yearly Dividend2.22
Dividend Growth(5Y)-0.56%
DP-5.62%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date03-07 2025-03-07 (0.01)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-108.96%
Min EPS beat(2)-148.19%
Max EPS beat(2)-69.74%
EPS beat(4)0
Avg EPS beat(4)-119.09%
Min EPS beat(4)-194.01%
Max EPS beat(4)-64.44%
EPS beat(8)3
Avg EPS beat(8)-53.9%
EPS beat(12)5
Avg EPS beat(12)-35.65%
EPS beat(16)8
Avg EPS beat(16)-22.95%
Revenue beat(2)0
Avg Revenue beat(2)-4.88%
Min Revenue beat(2)-8.23%
Max Revenue beat(2)-1.53%
Revenue beat(4)1
Avg Revenue beat(4)-1.93%
Min Revenue beat(4)-8.23%
Max Revenue beat(4)5.84%
Revenue beat(8)5
Avg Revenue beat(8)64.94%
Revenue beat(12)8
Avg Revenue beat(12)44.68%
Revenue beat(16)11
Avg Revenue beat(16)34.65%
PT rev (1m)5.8%
PT rev (3m)N/A
EPS NQ rev (1m)-6.3%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.02%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-1.53%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.81
P/FCF 27.37
P/OCF 20.93
P/B 0.59
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)-2.83
EYN/A
EPS(NY)-0.35
Fwd EYN/A
FCF(TTM)0.45
FCFY3.65%
OCF(TTM)0.58
OCFY4.78%
SpS6.73
BVpS20.65
TBVpS19.4
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -3.19%
ROE -42.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 6.62%
ROA(3y)0.5%
ROA(5y)0.6%
ROE(3y)4.47%
ROE(5y)5.13%
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-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 11.26
Debt/EBITDA N/A
Cap/Depr 30.81%
Cap/Sales 2.04%
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-Score3
WACC9.91%
ROIC/WACCN/A
Cap/Depr(3y)25.24%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.54%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-219.41%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.02%
EPS Next Y87.66%
EPS Next 2Y49.73%
EPS Next 3Y34.99%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-46.83%
Revenue Next Year-10.84%
Revenue Next 2Y4.28%
Revenue Next 3Y10.78%
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-78.11%
FCF growth 3Y-16.15%
FCF growth 5Y-17.97%
OCF growth 1Y-71.39%
OCF growth 3Y-7.68%
OCF growth 5Y-13.41%