Flagstar Financial Inc.
FLG | NYSE
$12.62
+$0.03 (+0.24%)
Sep 22, 2026, 12:28 PM ET · Market open
Market Data
Market Cap $5.25B
Enterprise Value $-11.72B
Beta 0.99
Average Volume 4.46M
Shares Outstanding (Diluted) N/A
Shares Change YoY 12.39%
Institutional Ownership 93.58%
Exchange NYSE
ISIN US6494454001
Price Performance
Price Change 1M -6.5%
Price Change 3M -16.2%
Price Change 6M -5.1%
Price Change YTD 0.3%
Price Change 1Y 5.7%
Price Change 3Y -62.3%
Price Change 5Y -66.9%
1M CAGR (ann.) -9.7%
1Y CAGR (ann.) 1.8%
5Y CAGR (ann.) -17.3%
All-Time CAGR -1.2%
Valuation
PE Ratio 796.84
Forward PE 9.42
PEG Ratio 0.60
Forward PEG 1.25
PS Ratio 1.24
Forward PS 1.90
PB Ratio 0.64
P/FCF Ratio 24.75
P/Adj. FCF Ratio 28.99
P/OCF Ratio 29.98
EV/Sales -2.77
EV/EBIT -325.59
EV/EBITDA -17.34
EV/FCF -55.29
Earnings Yield 0.1%
FCF Yield 4.0%
Adj. FCF Yield 3.5%
Financial Health
Net Cash $16.97B
Total Debt $0
Cash & Short-Term Investments $16.97B
Total Assets $87.71B
Current Ratio 0.00
Quick Ratio 0.00
Debt / Equity Ratio 1.34
Debt / EBITDA 0.00
Debt / FCF 0.00
OCF / Debt N/A
Interest Coverage 0.04
Altman Z-Score 0.31
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 45.0%
Operating Profit Margin 25.9%
EBITDA Margin 4.9%
Net Profit Margin 1.1%
FCF Margin 5.0%
Adj. FCF Margin 4.3%
SBC / Revenue 1.1%
SBC Impact (per share) -14.6%
Returns
Return on Assets 0.1%
Return on Equity 0.6%
Return on Invested Capital 0.3%
Return on Capital Employed 0.1%
Return on Tangible Assets 0.1%
Historical Growth (CAGR)
Revenue CAGR 3Y 1.6%
Revenue CAGR 5Y 19.2%
Revenue CAGR 10Y 8.6%
EPS CAGR 3Y -89.1%
EPS CAGR 5Y -66.3%
EPS CAGR 10Y -41.7%
FCF CAGR 3Y -62.0%
FCF CAGR 5Y -8.4%
FCF CAGR 10Y -31.9%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 15
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Oct 22, 2026
EPS Estimate (next Q) $0.09
EPS Growth Est (next Q) -181.8%
Revenue Est (next Q) $563.17M
Revenue Growth Est (next Q) 8.5%
Fair Value Estimates
Graham Number $2.63
Graham Upside -79.1%
Lynch Fair Value $0.10
Lynch Upside -99.2%
Price Target $17.21
Price Target Upside 36.7%
Cash Flow
Operating Cash Flow $287M
Free Cash Flow $212M
Adj. Free Cash Flow $181M
FCF Per Share $0.19
OCF Per Share $0.42
OCF/S Ratio 4.0%
Income Statement
Revenue $4.24B
Gross Profit $2.44B
Operating Income $1.1B
EBITDA $676M
Net Income $32M
EPS (Diluted) $0.02
Revenue / Employee $752.09K
Profit / Employee $5.68K
Employees 5,631
Dividends
Annual Dividend $0.04
Dividend Yield 0.32%
Payout Ratio 253.2%
FCF Payout Ratio 23.1%
Adj. FCF Payout Ratio 27.1%
Dividend Growth (YoY) 0.0%
Pay Frequency Quarterly
Ex-Dividend Date Sep 3, 2026
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