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Flagstar Financial (FLG) Financials

Flagstar Financial logo
$11.84 +0.08 (+0.68%)
As of 05/23/2025 03:58 PM Eastern
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Annual Income Statements for Flagstar Financial

Annual Income Statements for Flagstar Financial

This table shows Flagstar Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Income / (Loss) Attributable to Common Shareholders		 -1,153 -112 617 478 362 390 442 495 -47
Consolidated Net Income / (Loss)		 -1,118 -79 650 511 395 422 466 495 -47
Net Income / (Loss) Continuing Operations		 -1,118 -79 650 511 402 422 466 495 -47
Total Pre-Tax Income 		-1,378 -50 826 588 523 558 668 777 -132
Total Revenue		 2,552 5,764 1,643 1,161 1,041 1,123 1,347 1,433 619
Net Interest Income / (Expense)		 2,152 3,077 1,396 1,100 957 1,031 1,130 1,287 408
Total Interest Income		 5,953 5,491 2,092 1,708 1,805 1,690 1,582 1,675 1,692
Loans and Leases Interest Income		 4,369 4,509 1,848 1,542 1,553 1,468 1,417 1,472 1,441
Investment Securities Interest Income		 1,584 982 244 166 252 222 165 203 250
Total Interest Expense		 3,801 2,414 696 608 848 659 452 387 1,284
Deposits Interest Expense		 2,576 1,758 383 306 530 379 230 171 160
Long-Term Debt Interest Expense		 1,225 656 313 302 318 279 222 216 1,123
Total Non-Interest Income		 400 2,687 247 61 84 92 217 146 211
Other Service Charges		 267 239 42 28 19 36 46 42 108
Net Realized & Unrealized Capital Gains on Investments		 18 2,302 167 1.00 8.00 -1.99 112 19 30
Other Non-Interest Income		 115 146 38 32 57 58 78 91 82
Provision for Credit Losses		 1,092 833 133 62 7.00 18 37 4.18 -15
Total Non-Interest Expense		 2,838 4,981 684 511 511 547 641 652 766
Salaries and Employee Benefits		 1,263 1,149 354 301 302 317 364 352 343
Net Occupancy & Equipment Expense		 211 200 92 86 89 100 99 99 102
Property & Liability Insurance Claims		 313 126 0.00 - - - - - -
Other Operating Expenses		 809 624 158 124 120 129 179 188 312
Amortization Expense		 136 126 5.00 0.00 - - 0.21 2.39 5.34
Impairment Charge		 0.00 2,426 0.00 - - - - - -
Restructuring Charge		 106 330 75 0.00 0.00 - - 11 3.70
Income Tax Expense		 -260 29 176 77 121 135 202 282 -85
Preferred Stock Dividends Declared		 35 33 33 33 33 33 25 0.00 -
Basic Earnings per Share		 ($3.49) ($0.49) $3.78 $1.02 $0.77 $0.79 $0.90 $1.01 ($0.11)
Weighted Average Basic Shares Outstanding		 414.72M 797.92M 682.90M 465.70M 467.30M 487.29M 487.07M 485.15M 448.98M
Diluted Earnings per Share		 ($3.49) ($0.49) $3.77 $1.02 $0.77 $0.79 $0.90 $1.01 ($0.11)
Weighted Average Diluted Shares Outstanding		 414.72M 797.92M 682.90M 465.70M 467.30M 487.29M 487.07M 485.15M 448.98M
Weighted Average Basic & Diluted Shares Outstanding		 414.72M 797.92M 682.90M 465.70M 467.30M 487.29M 487.07M 485.15M 448.98M
Cash Dividends to Common per Share		 $0.20 - - - - - - - -

Quarterly Income Statements for Flagstar Financial

This table shows Flagstar Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 -196 -289 -333 -335 -2,714 199 405 1,998 163 144
Consolidated Net Income / (Loss)		 -188 -280 -323 -327 -2,705 207 413 2,006 172 152
Net Income / (Loss) Continuing Operations		 -188 -280 -323 -327 -2,705 207 413 2,006 172 152
Total Pre-Tax Income 		-238 -335 -424 -381 -2,817 268 492 2,007 184 205
Total Revenue		 625 623 671 633 867 1,042 1,202 2,653 577 343
Net Interest Income / (Expense)		 461 510 557 624 740 882 900 555 379 326
Total Interest Income		 1,358 1,534 1,548 1,513 1,447 1,512 1,498 1,034 681 509
Loans and Leases Interest Income		 948 1,061 1,167 1,193 1,230 1,251 1,161 867 589 442
Investment Securities Interest Income		 410 473 381 320 217 261 337 167 92 67
Total Interest Expense		 897 1,024 991 889 707 630 598 479 302 183
Deposits Interest Expense		 691 700 615 570 543 491 441 283 200 110
Long-Term Debt Interest Expense		 206 324 376 319 164 139 157 196 102 73
Total Non-Interest Income		 164 113 114 9.00 127 160 302 2,098 198 17
Other Service Charges		 91 72 70 34 71 79 62 27 15 8.00
Net Realized & Unrealized Capital Gains on Investments		 19 31 32 -64 -47 70 229 2,050 169 -1.00
Other Non-Interest Income		 54 10 12 39 103 11 11 21 14 10
Provision for Credit Losses		 145 242 390 315 552 62 49 170 124 2.00
Total Non-Interest Expense		 718 716 705 699 3,132 712 661 476 269 136
Salaries and Employee Benefits		 302 316 312 333 295 346 289 219 116 79
Net Occupancy & Equipment Expense		 48 59 52 52 58 55 50 37 25 22
Other Operating Expenses		 202 188 183 236 162 165 161 136 63 31
Amortization Expense		 31 37 33 35 36 36 37 17 5.00 0.00
Restructuring Charge		 11 18 34 43 63 91 109 67 60 4.00
Income Tax Expense		 -50 -55 -101 -54 -112 61 79 1.00 12 53
Preferred Stock Dividends Declared		 8.00 9.00 10 8.00 17 8.00 8.00 0.00 9.00 8.00
Basic Earnings per Share		 ($0.47) ($0.79) ($1.14) ($0.45) ($3.40) $0.82 $1.66 $2.88 $0.24 $0.31
Weighted Average Basic Shares Outstanding		 414.72M 415.11M 351.43M 820.72M 797.92M 722.49M 722.48M 722.13M 682.90M 466.14M
Diluted Earnings per Share		 ($0.47) ($0.79) ($1.14) ($0.45) ($3.40) $0.81 $1.66 $2.87 $0.24 $0.30
Weighted Average Diluted Shares Outstanding		 414.72M 415.11M 351.43M 820.72M 797.92M 722.49M 722.48M 722.13M 682.90M 466.14M
Basic & Diluted Earnings per Share		 ($0.47) - - - ($3.40) - - - $0.24 -
Weighted Average Basic & Diluted Shares Outstanding		 414.72M 415.11M 351.43M 820.72M 797.92M 722.49M 722.48M 722.13M 682.90M 466.14M
Cash Dividends to Common per Share		 $0.03 $0.01 $0.01 $0.05 $0.16 - $0.17 $0.17 $0.13 $0.17

Annual Cash Flow Statements for Flagstar Financial

This table details how cash moves in and out of Flagstar Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Change in Cash & Equivalents		 3,950 9,527 -129 263 1,206 -733 -1,053 1,970 20 -26
Net Cash From Operating Activities		 86 263 1,026 290 334 510 540 1,327 756 -420
Net Cash From Continuing Operating Activities		 86 263 1,026 290 333 509 540 1,326 756 -420
Net Income / (Loss) Continuing Operations		 -1,118 -79 650 596 511 395 422 466 495 -47
Consolidated Net Income / (Loss)		 -1,118 -79 650 596 511 395 422 466 495 -47
Provision For Loan Losses		 1,092 833 133 3.00 62 7.00 - 37 4.18 -15
Depreciation Expense		 48 39 18 21 24 27 32 33 33 31
Amortization Expense		 317 347 -32 -5.00 11 8.00 -3.89 -4.35 -24 -2.73
Non-Cash Adjustments to Reconcile Net Income		 -296 67 -138 17 246 117 113 319 -75 -206
Changes in Operating Assets and Liabilities, net		 43 -944 395 -342 -521 -45 -23 475 322 -181
Net Cash From Investing Activities		 15,453 20,673 -6,323 -2,762 -1,025 -2,059 -4,020 1,062 1,218 -1,397
Net Cash From Continuing Investing Activities		 15,453 20,673 -6,323 -2,762 -1,025 -2,059 -4,020 1,062 1,218 -1,397
Purchase of Property, Leasehold Improvements and Equipment		 -36 -66 -3.00 -4.00 - - - - -84 -35
Purchase of Investment Securities		 -3,630 -4,672 -3,243 -2,069 -3,759 -4,495 -5,449 -2,883 -3,848 -5,182
Divestitures		 0.00 24,901 331 0.00 0.00 - - - - -
Sale and/or Maturity of Investments		 4,347 4,841 1,611 1,869 2,734 2,436 1,429 3,945 5,150 3,820
Other Investing Activities, net		 14,772 -4,331 -5,019 -2,558 - - - - - -
Net Cash From Financing Activities		 -11,589 -11,409 5,168 2,735 1,897 816 2,427 -418 -1,954 1,791
Net Cash From Continuing Financing Activities		 -11,589 -11,409 5,168 2,735 1,897 816 2,427 -418 -1,954 1,791
Net Change in Deposits		 -5,671 -10,738 7,662 2,622 780 893 1,662 214 461 98
Issuance of Debt		 28,236 19,850 9,479 2,072 8,075 5,886 5,667 3,000 1,181 12,012
Issuance of Preferred Equity		 1.00 0.00 0.00 - - - - 503 - -
Issuance of Common Equity		 1,004 0.00 0.00 - - - - - - 630
Repayment of Debt		 -35,060 -19,990 -11,599 -1,594 -6,550 -5,538 -4,374 -3,760 -3,256 -10,490
Repurchase of Common Equity		 0.00 0.00 -7.00 0.00 -50 -67 -161 - - -7.02
Payment of Dividends		 -88 -519 -350 -349 -349 -350 -366 -357 -331 -454
Other Financing Activities, Net		 -11 -12 -17 -16 -9.00 -8.00 -2.48 -18 -8.68 2.49
Cash Interest Paid		 3,693 2,290 657 402 633 813 646 447 382 541
Cash Income Taxes Paid		 33 54 17 471 118 76 44 218 180 188

Quarterly Cash Flow Statements for Flagstar Financial

This table details how cash moves in and out of Flagstar Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -7,592 4,095 6,028 1,419 4,480 -8,891 -6,409 20,347 382 -1,577
Net Cash From Operating Activities		 623 -1,039 796 -294 779 1,054 -4,605 3,035 395 232
Net Cash From Continuing Operating Activities		 623 -1,039 796 -294 779 1,054 -4,605 3,035 396 231
Net Income / (Loss) Continuing Operations		 -188 -280 -323 -327 -2,705 207 413 2,006 172 152
Consolidated Net Income / (Loss)		 -188 -280 -323 -327 -2,705 207 413 2,006 172 152
Provision For Loan Losses		 145 242 390 315 552 62 49 170 124 2.00
Depreciation Expense		 14 12 11 11 10 11 10 8.00 5.00 4.00
Amortization Expense		 71 84 78 84 478 -66 -46 -19 -24 -6.00
Non-Cash Adjustments to Reconcile Net Income		 -183 -64 -81 32 2,280 -3.00 -209 -2,001 -160 23
Changes in Operating Assets and Liabilities, net		 764 -1,033 721 -409 164 843 -4,822 2,871 279 56
Net Cash From Investing Activities		 4,454 9,827 -788 1,960 -1,734 -1,733 -965 25,105 -1,581 -1,672
Net Cash From Continuing Investing Activities		 4,454 9,827 -788 1,960 -1,734 -1,733 -965 25,105 -1,581 -1,672
Purchase of Property, Leasehold Improvements and Equipment		 -3.00 27 -22 -38 -24 - - -11 -12 -2.00
Purchase of Investment Securities		 -12,567 9,022 -1,261 1,176 -1,414 1,122 -1,803 -2,577 2,395 -1,980
Sale and/or Maturity of Investments		 2,252 778 495 822 4,177 -2,866 880 2,650 724 310
Net Cash From Financing Activities		 -12,669 -4,693 6,020 -247 5,435 -8,212 -839 -7,793 1,568 -137
Net Cash From Continuing Financing Activities		 -12,669 -4,693 6,020 -247 5,435 -8,212 -839 -7,793 1,568 -137
Net Change in Deposits		 -7,147 3,977 4,171 -6,672 -1,097 -5,832 3,687 -7,496 1,016 461
Issuance of Debt		 15,986 -3,920 2,411 13,759 16,175 5,225 -3,950 2,400 2,549 3,975
Issuance of Common Equity		 1.00 257 333 413 - - - 0.00 - -
Repayment of Debt		 -21,495 -4,737 -537 -8,291 -9,512 -7,471 -443 -2,564 -1,904 -4,485
Payment of Dividends		 -13 -12 -20 -43 -130 -134 -131 -124 -88 -88
Other Financing Activities, Net		 -1.00 -1.00 -1.00 -8.00 -1.00 - -11 0.00 -5.00 -
Cash Interest Paid		 971 1,065 880 777 634 613 554 489 258 170
Cash Income Taxes Paid		 2.00 3.00 19 9.00 22 15 4.00 13 4.00 5.00

Annual Balance Sheets for Flagstar Financial

This table presents Flagstar Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Total Assets		 100,160 114,057 90,144 59,527 56,306 53,641 51,899 49,124 48,927 50,318
Cash and Due from Banks		 15,430 11,475 2,032 2,211 1,948 742 1,475 2,528 558 538
Trading Account Securities		 14 14 9,074 5,780 5,845 5,886 5,644 3,531 3,817 6,174
Loans and Leases, Net of Allowance		 67,071 83,627 68,608 45,539 42,807 41,747 40,006 38,265 39,308 38,012
Loans and Leases		 68,272 84,619 69,001 45,738 43,001 41,894 40,166 38,423 39,490 38,191
Allowance for Loan and Lease Losses		 1,201 992 393 199 194 148 160 158 182 179
Loans Held for Sale		 899 1,182 1,115 - - - - - - -
Premises and Equipment, Net		 562 652 491 270 287 313 346 369 374 322
Intangible Assets		 488 625 287 - - - - - 0.21 2.60
Other Assets		 5,294 7,337 6,111 3,285 2,993 2,528 1,992 1,995 2,434 2,833
Total Liabilities & Shareholders' Equity		 100,160 114,057 90,144 59,527 56,306 53,641 51,899 49,124 48,927 50,318
Total Liabilities		 91,992 105,690 81,320 25,659 49,464 46,929 45,244 42,329 42,803 44,383
Non-Interest Bearing Deposits		 13,484 20,499 12,055 - 3,080 2,432 2,397 2,312 2,635 2,504
Interest Bearing Deposits		 62,386 61,027 46,666 8,892 29,357 29,225 28,368 26,790 26,253 25,923
Long-Term Debt		 14,426 21,267 21,332 15,105 15,284 13,758 13,348 12,105 11,665 13,464
Other Long-Term Liabilities		 1,696 2,897 1,267 862 943 714 631 672 600 567
Redeemable Noncontrolling Interest		 1.00 0.00 - - - - - - - -
Total Equity & Noncontrolling Interests		 8,167 8,367 8,824 7,044 6,842 6,712 6,655 6,795 6,124 5,935
Total Preferred & Common Equity		 8,167 8,367 8,824 7,044 6,842 6,712 6,655 6,795 6,124 5,935
Preferred Stock		 503 503 503 503 503 503 503 503 - 0.00
Total Common Equity		 7,664 7,864 8,321 6,541 6,339 6,209 6,152 6,293 6,124 5,935
Common Stock		 9,286 8,238 8,137 6,131 6,128 6,120 6,105 6,077 6,052 6,029
Retained Earnings		 -763 443 1,041 741 494 342 297 238 128 -37
Treasury Stock		 -219 -218 -237 -246 -258 -221 -162 -7.62 -0.16 -0.45
Accumulated Other Comprehensive Income / (Loss)		 -640 -599 -672 -85 8.00 -34 -88 -15 -57 -57

Quarterly Balance Sheets for Flagstar Financial

This table presents Flagstar Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 114,367 119,055 112,900 111,230 118,796 123,706 62,956
Cash and Due from Banks		 23,080 18,990 12,890 6,929 15,806 22,250 1,700
Trading Account Securities		 10,525 10,549 9,336 8,723 7,796 7,613 6,703
Loans and Leases, Net of Allowance		 69,852 73,284 81,112 83,376 82,684 81,997 48,766
Loans and Leases		 71,116 74,552 82,327 83,995 83,278 82,547 48,984
Allowance for Loan and Lease Losses		 1,264 1,268 1,215 619 594 550 218
Loans Held for Sale		 1,851 7,845 981 1,926 2,194 1,305 -
Premises and Equipment, Net		 649 691 679 638 660 628 250
Intangible Assets		 519 557 590 661 697 734 -
Other Assets		 7,891 7,139 7,312 6,551 6,533 14,366 3,111
Total Liabilities & Shareholders' Equity		 114,367 119,055 112,900 111,230 118,796 123,706 62,956
Total Liabilities		 105,795 110,400 103,915 100,237 107,736 146,657 56,210
Non-Interest Bearing Deposits		 18,572 17,874 17,752 24,863 29,752 107,797 3,839
Interest Bearing Deposits		 64,441 61,158 57,106 57,812 58,745 10,302 37,866
Short-Term Debt		 60 121 1,958 - - - 300
Long-Term Debt		 20,273 28,771 24,769 14,038 16,412 21,794 13,498
Other Long-Term Liabilities		 2,449 2,476 2,330 2,977 2,827 6,764 707
Redeemable Noncontrolling Interest		 1.00 258 595 - - - -
Total Equity & Noncontrolling Interests		 8,571 8,397 8,390 10,993 11,060 10,782 6,746
Total Preferred & Common Equity		 8,571 8,397 8,390 10,993 11,060 10,782 6,746
Preferred Stock		 503 503 503 503 503 503 503
Total Common Equity		 8,068 7,894 7,887 10,490 10,557 10,279 6,243
Common Stock		 9,270 9,001 8,656 8,224 8,211 8,204 6,126
Retained Earnings		 -562 -270 73 3,278 3,205 2,923 957
Treasury Stock		 -219 -223 -225 -217 -217 -219 -238
Accumulated Other Comprehensive Income / (Loss)		 -495 -702 -617 -795 -642 -629 -642
Other Equity Adjustments		 74 88 - - - - 40

Annual Metrics And Ratios for Flagstar Financial

This table displays calculated financial ratios and metrics derived from Flagstar Financial's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -55.73% 250.82% 21.70% 16.28% 11.53% -7.27% -16.66% -6.01% 131.56% -53.89%
EBITDA Growth		 -401.49% -58.62% -1.22% 31.94% 11.65% -4.79% -15.87% -11.37% 861.40% -112.89%
EBIT Growth		 -2,656.00% -106.05% 2.48% 37.07% 12.43% -6.22% -16.54% -14.01% 688.68% -117.08%
NOPAT Growth		 -2,656.00% -105.38% 9.06% 16.63% 27.11% -4.83% -9.39% -5.89% 636.10% -119.04%
Net Income Growth		 -1,315.19% -112.15% 9.06% 16.63% 29.37% -6.49% -9.39% -5.89% 1,150.56% -109.71%
EPS Growth		 -612.24% -112.15% 9.06% 17.65% 32.47% -2.53% -12.22% -10.89% 1,018.18% -110.09%
Operating Cash Flow Growth		 -67.30% -74.37% 253.79% -13.17% -34.51% -5.62% -59.27% 75.57% 279.74% -158.20%
Free Cash Flow Firm Growth		 1,147.52% -97.60% 177.20% -2,191.24% -215.02% 50.27% -280.65% -80.77% 231.51% -207.37%
Invested Capital Growth		 -23.76% -1.73% -39.41% 117.10% 7.79% 3.73% 5.96% 0.32% -7.70% 7.78%
Revenue Q/Q Growth		 -8.66% 5.30% 17.02% 1.15% 5.77% -1.05% -2.26% -3.69% 106.21% -54.60%
EBITDA Q/Q Growth		 68.23% -88.13% -4.47% 2.27% 7.25% 0.39% -1.86% -4.08% 1,053.87% -113.10%
EBIT Q/Q Growth		 65.18% -101.69% -1.78% 2.58% 8.67% -0.15% -2.16% -4.14% 960.86% -117.39%
NOPAT Q/Q Growth		 65.18% -101.25% 3.50% -6.24% 18.99% 1.62% -7.61% 5.14% 883.97% -118.90%
Net Income Q/Q Growth		 69.24% -102.82% 3.50% -6.24% 20.96% -0.15% -7.61% 5.14% 2,240.98% -109.65%
EPS Q/Q Growth		 60.52% -102.82% 3.50% -7.69% 21.43% 1.32% -8.14% 4.65% 876.92% -110.00%
Operating Cash Flow Q/Q Growth		 -64.46% 317.36% 21.28% 72.62% -18.94% -22.66% 133.20% -20.78% 353.45% -183.73%
Free Cash Flow Firm Q/Q Growth		 191.44% 128.83% 715.57% -4,121.88% 43.48% -151.29% 30.59% -52.53% 162.22% -589.39%
Invested Capital Q/Q Growth		 -21.83% 18.39% 46.79% 122.19% 2.27% 6.55% 1.13% 3.12% 0.60% 4.29%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 -39.69% 5.83% 49.42% 60.89% 53.66% 53.60% 52.21% 51.72% 54.86% -16.68%
EBIT Margin		 -54.00% -0.87% 50.27% 59.70% 50.65% 50.24% 49.68% 49.61% 54.23% -21.33%
Profit (Net Income) Margin		 -43.81% -1.37% 39.56% 44.15% 44.01% 37.94% 37.63% 34.61% 34.57% -7.62%
Tax Burden Percent		 81.13% 158.00% 78.69% 73.95% 86.90% 75.53% 75.75% 69.77% 63.75% 35.72%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 21.31% 26.05% 13.10% 23.14% 24.25% 30.23% 36.25% 0.00%
Return on Invested Capital (ROIC)		 -3.69% -0.12% 1.63% 1.64% 2.31% 1.92% 2.12% 2.41% 2.47% -0.46%
ROIC Less NNEP Spread (ROIC-NNEP)		 -4.55% -0.32% 1.63% 1.64% 2.31% 1.88% 2.12% 2.41% 2.47% -0.14%
Return on Net Nonoperating Assets (RNNOA)		 -9.83% -0.80% 6.57% 6.94% 5.23% 3.99% 4.16% 4.80% 5.75% -0.35%
Return on Equity (ROE)		 -13.52% -0.92% 8.19% 8.58% 7.54% 5.91% 6.28% 7.22% 8.22% -0.80%
Cash Return on Invested Capital (CROIC)		 23.26% 1.63% 50.71% -72.22% -5.18% -1.74% -3.67% 2.10% 10.48% -7.95%
Operating Return on Assets (OROA)		 -1.29% -0.05% 1.10% 1.39% 1.07% 0.99% 1.10% 1.36% 1.57% -0.27%
Return on Assets (ROA)		 -1.04% -0.08% 0.87% 1.03% 0.93% 0.75% 0.84% 0.95% 1.00% -0.10%
Return on Common Equity (ROCE)		 -12.70% -0.87% 7.67% 7.96% 6.98% 5.47% 5.81% 6.94% 8.22% -0.80%
Return on Equity Simple (ROE_SIMPLE)		 -13.69% -0.94% 7.37% 8.46% 7.47% 5.89% 6.35% 6.86% 8.09% -0.79%
Net Operating Profit after Tax (NOPAT)		 -965 -35 650 596 511 402 422 466 495 -92
NOPAT Margin		 -37.80% -0.61% 39.56% 44.15% 44.01% 38.62% 37.63% 34.61% 34.57% -14.93%
Net Nonoperating Expense Percent (NNEP)		 0.86% 0.21% 0.00% 0.00% 0.00% 0.05% 0.00% 0.00% 0.00% -0.32%
SG&A Expenses to Revenue		 57.76% 23.40% 27.15% 28.96% 33.33% 37.56% 37.20% 34.35% 31.44% 71.92%
Operating Expenses to Revenue		 111.21% 86.42% 41.63% 40.07% 44.01% 49.09% 48.70% 47.62% 45.48% 123.76%
Earnings before Interest and Taxes (EBIT)		 -1,378 -50 826 806 588 523 558 668 777 -132
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -1,013 336 812 822 623 558 586 697 786 -103
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.51 2.78 1.36 0.76 0.64 0.70 0.55 0.69 0.83 0.83
Price to Tangible Book Value (P/TBV)		 0.54 3.02 2.01 1.21 1.04 1.15 0.90 1.13 1.37 1.41
Price to Revenue (P/Rev)		 1.52 3.79 6.88 3.70 3.49 4.17 3.00 3.24 3.53 7.96
Price to Earnings (P/E)		 0.00 0.00 18.31 8.86 8.49 11.99 8.63 9.89 10.20 0.00
Dividend Yield		 2.14% 6.75% 8.42% 6.34% 7.78% 7.32% 9.92% 7.61% 6.56% 9.85%
Earnings Yield		 0.00% 0.00% 5.46% 11.29% 11.78% 8.34% 11.59% 10.11% 9.80% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.15 1.08 1.03 0.39 0.82 0.88 0.79 0.77 0.92 0.93
Enterprise Value to Revenue (EV/Rev)		 1.32 5.57 18.93 14.21 16.10 17.92 14.47 11.06 12.32 31.27
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 95.63 38.30 23.34 30.01 33.44 27.71 21.39 22.47 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 37.65 23.80 31.80 35.67 29.12 22.30 22.72 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 47.85 32.19 36.59 46.41 38.44 31.96 35.65 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 39.22 122.18 30.31 66.16 55.98 36.58 30.05 11.23 23.37 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.56 65.98 1.53 0.00 0.00 0.00 0.00 36.80 8.39 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.77 2.54 2.42 2.26 2.35 2.17 2.08 1.85 2.15 2.52
Long-Term Debt to Equity		 1.77 2.54 2.42 2.14 2.23 2.05 2.01 1.78 1.90 2.27
Financial Leverage		 2.16 2.48 4.04 4.24 2.26 2.13 1.96 1.99 2.33 2.44
Leverage Ratio		 12.96 11.88 9.43 8.34 8.11 7.90 7.51 7.59 8.23 8.44
Compound Leverage Factor		 12.96 11.88 9.43 8.34 8.11 7.90 7.51 7.59 8.23 8.44
Debt to Total Capital		 63.85% 71.77% 70.74% 69.31% 70.16% 68.44% 67.54% 64.88% 68.25% 71.60%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 3.49% 3.49% 3.76% 2.44% 2.33% 7.78% 7.18%
Long-Term Debt to Total Capital		 63.85% 71.77% 70.74% 65.82% 66.67% 64.68% 65.10% 62.56% 60.47% 64.42%
Preferred Equity to Total Capital		 2.23% 1.70% 1.67% 2.19% 2.19% 2.36% 2.45% 2.60% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 33.92% 26.54% 27.59% 28.50% 27.65% 29.19% 30.01% 32.52% 31.75% 28.40%
Debt to EBITDA		 -14.24 63.29 26.27 19.35 25.82 26.09 23.63 18.02 16.75 -144.94
Net Debt to EBITDA		 0.99 29.14 23.77 16.66 22.69 24.76 21.11 14.39 16.04 -139.73
Long-Term Debt to EBITDA		 -14.24 63.29 26.27 18.38 24.53 24.66 22.77 17.37 14.84 -130.41
Debt to NOPAT		 -14.96 -607.63 32.82 26.69 31.48 36.21 32.78 26.93 26.57 -161.93
Net Debt to NOPAT		 1.04 -279.77 29.69 22.98 27.66 34.37 29.29 21.51 25.45 -156.11
Long-Term Debt to NOPAT		 -14.96 -607.63 32.82 25.34 29.91 34.22 31.60 25.96 23.55 -145.70
Noncontrolling Interest Sharing Ratio		 6.09% 5.85% 6.34% 7.24% 7.42% 7.52% 7.48% 3.89% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 6,075 487 20,267 -26,251 -1,146 -364 -731 405 2,105 -1,601
Operating Cash Flow to CapEx		 238.89% 398.48% 34,200.00% 7,250.00% 0.00% 0.00% 0.00% 0.00% 897.67% -1,208.05%
Free Cash Flow to Firm to Interest Expense		 1.60 0.20 29.12 -65.63 -1.88 -0.43 -1.11 0.90 5.43 -1.25
Operating Cash Flow to Interest Expense		 0.02 0.11 1.47 0.73 0.55 0.60 0.82 2.93 1.95 -0.33
Operating Cash Flow Less CapEx to Interest Expense		 0.01 0.08 1.47 0.72 0.55 0.60 0.82 2.93 1.73 -0.35
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.02 0.06 0.02 0.02 0.02 0.02 0.02 0.03 0.03 0.01
Fixed Asset Turnover		 4.20 10.09 4.32 4.85 3.87 3.16 3.14 3.63 4.12 1.93
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 22,594 29,634 30,156 49,773 22,926 21,269 20,504 19,350 19,288 20,898
Invested Capital Turnover		 0.10 0.19 0.04 0.04 0.05 0.05 0.06 0.07 0.07 0.03
Increase / (Decrease) in Invested Capital		 -7,040 -522 -19,617 26,847 1,657 766 1,154 61 -1,610 1,509
Enterprise Value (EV)		 3,373 32,132 31,102 19,185 18,696 18,658 16,239 14,898 17,659 19,351
Market Capitalization		 3,873 21,837 11,299 4,988 4,057 4,339 3,363 4,369 5,053 4,925
Book Value per Share		 $18.46 $10.88 $17.85 $14.07 $13.66 $13.29 $12.55 $12.87 $12.57 $12.24
Tangible Book Value per Share		 $17.29 $10.02 $12.03 $8.85 $8.43 $8.09 $7.58 $7.89 $7.57 $7.21
Total Capital		 22,594 29,634 30,156 22,949 22,926 21,269 20,504 19,350 19,288 20,898
Total Debt		 14,426 21,267 21,332 15,905 16,084 14,558 13,848 12,555 13,165 14,964
Total Long-Term Debt		 14,426 21,267 21,332 15,105 15,284 13,758 13,348 12,105 11,665 13,464
Net Debt		 -1,004 9,792 19,300 13,694 14,136 13,816 12,373 10,026 12,607 14,426
Capital Expenditures (CapEx)		 36 66 3.00 4.00 0.00 0.00 0.00 0.00 84 35
Net Nonoperating Expense (NNE)		 153 44 0.00 0.00 0.00 7.00 0.00 0.00 0.00 -45
Net Nonoperating Obligations (NNO)		 14,426 21,267 21,332 42,729 16,084 14,558 13,848 12,555 13,165 14,964
Total Depreciation and Amortization (D&A)		 365 386 -14 16 35 35 28 28 8.94 29
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($3.49) $0.00 $1.26 $3.60 $3.06 $2.31 $2.37 $2.70 $3.03 ($0.33)
Adjusted Weighted Average Basic Shares Outstanding		 414.72M 0.00 682.90M 155.66M 155.23M 155.77M 155.78M 163.40M 162.82M 162.12M
Adjusted Diluted Earnings per Share		 ($3.49) $0.00 $1.26 $3.60 $3.06 $2.31 $2.37 $2.70 $3.03 ($0.33)
Adjusted Weighted Average Diluted Shares Outstanding		 414.72M 0.00 682.90M 155.66M 155.23M 155.77M 155.78M 163.40M 162.82M 162.12M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $2.31 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 414.72M 0.00 682.90M 155.66M 155.23M 155.77M 155.78M 163.40M 162.82M 162.12M
Normalized Net Operating Profit after Tax (NOPAT)		 -890 1,894 709 613 511 402 422 466 503 -90
Normalized NOPAT Margin		 -34.89% 32.86% 43.15% 45.41% 44.01% 38.62% 37.63% 34.61% 35.07% -14.51%
Pre Tax Income Margin		 -54.00% -0.87% 50.27% 59.70% 50.65% 50.24% 49.68% 49.61% 54.23% -21.33%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 -0.36 -0.02 1.19 2.02 0.97 0.62 0.85 1.48 2.01 -0.10
NOPAT to Interest Expense		 -0.25 -0.01 0.93 1.49 0.84 0.47 0.64 1.03 1.28 -0.07
EBIT Less CapEx to Interest Expense		 -0.37 -0.05 1.18 2.01 0.97 0.62 0.85 1.48 1.79 -0.13
NOPAT Less CapEx to Interest Expense		 -0.26 -0.04 0.93 1.48 0.84 0.47 0.64 1.03 1.06 -0.10
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 -7.87% -656.96% 53.85% 58.56% 68.30% 88.61% 86.62% 76.53% 66.78% -962.72%
Augmented Payout Ratio		 -7.87% -656.96% 54.92% 58.56% 78.08% 105.57% 124.68% 76.53% 66.78% -977.61%

Quarterly Metrics And Ratios for Flagstar Financial

This table displays calculated financial ratios and metrics derived from Flagstar Financial's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -27.91% -40.21% -44.18% -76.14% 50.26% 203.79% 218.83% 666.76% 70.71% 3.00%
EBITDA Growth		 93.43% -212.21% -173.46% -114.33% -1,511.52% 4.93% 95.71% 845.97% -18.72% 0.00%
EBIT Growth		 91.55% -225.00% -186.18% -118.98% -1,630.98% 30.73% 113.91% 869.57% -7.54% 3.02%
NOPAT Growth		 91.55% -213.29% -171.86% -113.30% -1,246.45% 36.18% 141.52% 1,194.19% 14.67% 2.01%
Net Income Growth		 93.05% -235.27% -178.21% -116.30% -1,672.67% 36.18% 141.52% 1,194.19% 14.67% 2.01%
EPS Growth		 86.18% -197.53% -178.21% -115.68% -1,672.67% 36.18% 141.52% 825.81% 14.67% 0.00%
Operating Cash Flow Growth		 -20.03% -198.58% 117.29% -109.69% 97.22% 354.31% -2,251.87% 1,540.54% 83.72% 280.33%
Free Cash Flow Firm Growth		 574.06% 4.01% -74.96% -246.15% -107.33% -313.04% -518.94% 5,373.40% 174.12% 1,110.00%
Invested Capital Growth		 -23.76% 15.48% 36.67% 3,186.60% -1.73% 21.84% 30.01% -105.20% -39.41% -8.29%
Revenue Q/Q Growth		 0.32% -7.15% 6.00% -26.99% -16.79% -13.31% -54.69% 359.79% 68.22% -9.02%
EBITDA Q/Q Growth		 35.98% 28.66% -17.13% 87.72% -1,193.43% -53.29% -77.15% 1,109.70% -18.72% -12.88%
EBIT Q/Q Growth		 28.96% 20.99% -11.29% 86.48% -1,151.12% -45.53% -75.49% 990.76% -10.24% -10.87%
NOPAT Q/Q Growth		 28.96% 20.99% -11.29% 86.48% -1,052.61% -49.88% -79.41% 1,066.28% 13.16% -11.11%
Net Income Q/Q Growth		 32.86% 13.31% 1.22% 87.91% -1,406.76% -49.88% -79.41% 1,066.28% 13.16% -11.11%
EPS Q/Q Growth		 40.51% 30.70% 1.22% 86.76% -1,406.76% -49.88% -79.41% 1,095.83% 13.16% -11.76%
Operating Cash Flow Q/Q Growth		 159.96% -230.53% 370.75% -137.74% -26.09% 122.89% -251.73% 668.35% 70.26% 8.41%
Free Cash Flow Firm Q/Q Growth		 267.30% 60.39% 72.07% -2,461.26% 66.12% 27.80% -123.33% 28.40% 885.02% 41.98%
Invested Capital Q/Q Growth		 -21.83% -23.02% 5.14% 20.51% 18.39% -8.89% 2,474.42% -103.84% 46.79% -2.78%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 -24.48% -38.36% -49.93% -45.18% -268.63% 20.44% 37.94% 75.24% 28.60% 59.18%
EBIT Margin		 -38.08% -53.77% -63.19% -60.19% -324.91% 25.72% 40.93% 75.65% 31.89% 59.77%
Profit (Net Income) Margin		 -30.08% -44.94% -48.14% -51.66% -312.00% 19.87% 34.36% 75.61% 29.81% 44.31%
Tax Burden Percent		 78.99% 83.58% 76.18% 85.83% 96.02% 77.24% 83.94% 99.95% 93.48% 74.15%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% 0.00% 22.76% 16.06% 0.05% 6.52% 25.85%
Return on Invested Capital (ROIC)		 -2.61% -3.90% -4.37% -9.13% -43.85% 4.77% 6.75% 28.32% 1.23% 2.90%
ROIC Less NNEP Spread (ROIC-NNEP)		 -2.72% -4.16% -4.49% -9.95% -47.29% 4.77% 6.75% 28.32% 1.23% 2.90%
Return on Net Nonoperating Assets (RNNOA)		 -5.88% -7.32% -10.31% -7.44% -117.19% 7.49% 11.60% 5.44% 4.95% 6.18%
Return on Equity (ROE)		 -8.49% -11.22% -14.68% -16.57% -161.05% 12.26% 18.35% 33.77% 6.17% 9.07%
Cash Return on Invested Capital (CROIC)		 23.26% -24.64% -38.21% -108.02% 1.63% -7.41% -14.81% 0.00% 50.71% 11.57%
Operating Return on Assets (OROA)		 -0.91% -1.33% -1.71% -1.90% -18.34% 1.62% 2.15% 3.24% 0.70% 1.39%
Return on Assets (ROA)		 -0.72% -1.11% -1.30% -1.63% -17.61% 1.25% 1.80% 3.23% 0.65% 1.03%
Return on Common Equity (ROCE)		 -7.97% -10.64% -13.74% -15.23% -151.62% 11.57% 17.32% 31.85% 5.78% 8.41%
Return on Equity Simple (ROE_SIMPLE)		 0.00% -42.41% -37.49% -28.75% 0.00% 25.45% 24.80% 23.20% 0.00% 9.31%
Net Operating Profit after Tax (NOPAT)		 -167 -235 -297 -267 -1,972 207 413 2,006 172 152
NOPAT Margin		 -26.66% -37.64% -44.23% -42.13% -227.44% 19.87% 34.36% 75.61% 29.81% 44.31%
Net Nonoperating Expense Percent (NNEP)		 0.12% 0.26% 0.12% 0.82% 3.44% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 56.00% 60.19% 54.25% 60.82% 40.72% 38.48% 28.20% 9.65% 24.44% 29.45%
Operating Expenses to Revenue		 114.88% 114.93% 105.07% 110.43% 361.25% 68.33% 54.99% 17.94% 46.62% 39.65%
Earnings before Interest and Taxes (EBIT)		 -238 -335 -424 -381 -2,817 268 492 2,007 184 205
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -153 -239 -335 -286 -2,329 213 456 1,996 165 203
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.51 0.49 0.33 0.32 2.78 2.31 0.75 0.57 1.36 0.59
Price to Tangible Book Value (P/TBV)		 0.54 0.52 0.36 0.35 3.02 3.27 1.06 0.83 2.01 0.96
Price to Revenue (P/Rev)		 1.52 1.41 0.82 0.68 3.79 4.43 1.66 1.50 6.88 2.61
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 8.76 2.92 2.39 18.31 6.16
Dividend Yield		 2.14% 1.69% 7.14% 12.15% 6.75% 6.08% 6.21% 7.86% 8.42% 8.63%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 11.41% 34.27% 41.78% 5.46% 16.23%
Enterprise Value to Invested Capital (EV/IC)		 0.15 0.06 0.35 0.49 1.08 1.27 0.33 0.00 1.03 0.79
Enterprise Value to Revenue (EV/Rev)		 1.32 0.61 4.14 4.67 5.57 5.82 1.89 1.51 18.93 11.59
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 95.63 11.25 3.20 2.29 38.30 19.14
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 10.79 3.12 2.27 37.65 19.35
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 11.38 3.29 2.38 47.85 25.91
Enterprise Value to Operating Cash Flow (EV/OCF)		 39.22 7.04 5.70 0.00 122.18 0.00 0.00 1.54 30.31 19.23
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.56 0.00 0.00 0.00 65.98 0.00 0.00 0.23 1.53 6.55
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.77 2.37 3.34 2.97 2.54 1.28 1.48 2.02 2.42 2.05
Long-Term Debt to Equity		 1.77 2.37 3.32 2.76 2.54 1.28 1.48 2.02 2.42 2.00
Financial Leverage		 2.16 1.76 2.30 0.75 2.48 1.57 1.72 0.19 4.04 2.13
Leverage Ratio		 12.96 11.53 12.06 11.97 11.88 9.82 10.17 10.44 9.43 8.81
Compound Leverage Factor		 12.96 11.53 12.06 11.97 11.88 9.82 10.17 10.44 9.43 8.81
Debt to Total Capital		 63.85% 70.34% 76.95% 74.84% 71.77% 56.08% 59.74% 66.90% 70.74% 67.16%
Short-Term Debt to Total Capital		 0.00% 0.21% 0.32% 5.48% 0.00% 0.00% 0.00% 0.00% 0.00% 1.46%
Long-Term Debt to Total Capital		 63.85% 70.14% 76.63% 69.36% 71.77% 56.08% 59.74% 66.90% 70.74% 65.70%
Preferred Equity to Total Capital		 2.23% 1.74% 1.34% 1.41% 1.70% 2.01% 1.83% 1.54% 1.67% 2.45%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.69% 1.67% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 33.92% 27.91% 21.02% 22.09% 26.54% 41.91% 38.43% 31.55% 27.59% 30.39%
Debt to EBITDA		 -14.24 -6.38 -10.56 -13.73 63.29 4.96 5.82 8.39 26.27 16.23
Net Debt to EBITDA		 0.99 0.86 -3.62 -7.11 29.14 2.51 0.21 -0.18 23.77 14.23
Long-Term Debt to EBITDA		 -14.24 -6.36 -10.51 -12.73 63.29 4.96 5.82 8.39 26.27 15.88
Debt to NOPAT		 -14.96 -7.34 -12.31 -15.66 -607.63 5.02 5.98 8.71 32.82 21.97
Net Debt to NOPAT		 1.04 0.99 -4.22 -8.11 -279.77 2.54 0.22 -0.18 29.69 19.26
Long-Term Debt to NOPAT		 -14.96 -7.32 -12.25 -14.51 -607.63 5.02 5.98 8.71 32.82 21.49
Noncontrolling Interest Sharing Ratio		 6.09% 5.15% 6.41% 8.10% 5.85% 5.67% 5.63% 5.69% 6.34% 7.34%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 6,873 -4,109 -10,372 -37,136 -1,450 -4,280 -5,928 25,409 19,789 2,009
Operating Cash Flow to CapEx		 20,766.67% 0.00% 3,618.18% -773.68% 3,245.83% 0.00% 0.00% 27,590.91% 3,291.67% 11,600.00%
Free Cash Flow to Firm to Interest Expense		 7.66 -4.01 -10.47 -41.77 -2.05 -6.79 -9.91 53.05 65.53 10.98
Operating Cash Flow to Interest Expense		 0.69 -1.01 0.80 -0.33 1.10 1.67 -7.70 6.34 1.31 1.27
Operating Cash Flow Less CapEx to Interest Expense		 0.69 -0.99 0.78 -0.37 1.07 1.67 -7.70 6.31 1.27 1.26
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.03 0.03 0.06 0.06 0.05 0.04 0.02 0.02
Fixed Asset Turnover		 4.20 4.34 4.76 5.73 10.09 12.33 10.47 8.84 4.32 5.36
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 22,594 28,905 37,547 35,712 29,634 25,031 27,472 -1,157 30,156 20,544
Invested Capital Turnover		 0.10 0.10 0.10 0.22 0.19 0.24 0.20 0.37 0.04 0.07
Increase / (Decrease) in Invested Capital		 -7,040 3,874 10,075 36,869 -522 4,487 6,341 -23,403 -19,617 -1,857
Enterprise Value (EV)		 3,373 1,704 13,306 17,496 32,132 31,840 9,017 5,954 31,102 16,272
Market Capitalization		 3,873 3,947 2,643 2,561 21,837 24,228 7,908 5,907 11,299 3,671
Book Value per Share		 $18.46 $22.96 $9.62 $9.88 $10.88 $14.52 $14.62 $15.05 $17.85 $13.39
Tangible Book Value per Share		 $17.29 $21.48 $8.94 $9.15 $10.02 $10.25 $10.29 $10.42 $12.03 $8.19
Total Capital		 22,594 28,905 37,547 35,712 29,634 25,031 27,472 32,576 30,156 20,544
Total Debt		 14,426 20,333 28,892 26,727 21,267 14,038 16,412 21,794 21,332 13,798
Total Long-Term Debt		 14,426 20,273 28,771 24,769 21,267 14,038 16,412 21,794 21,332 13,498
Net Debt		 -1,004 -2,747 9,902 13,837 9,792 7,109 606 -456 19,300 12,098
Capital Expenditures (CapEx)		 3.00 -27 22 38 24 0.00 0.00 11 12 2.00
Net Nonoperating Expense (NNE)		 21 46 26 60 733 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 14,426 20,333 28,892 26,727 21,267 14,038 16,412 -11,939 21,332 13,798
Total Depreciation and Amortization (D&A)		 85 96 89 95 488 -55 -36 -11 -19 -2.00
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.47) ($0.79) ($1.14) ($1.35) ($3.40) $0.27 $1.65 $8.64 $0.24 $0.93
Adjusted Weighted Average Basic Shares Outstanding		 414.72M 415.11M 351.43M 273.57M 797.92M 722.49M 240.83M 240.71M 682.90M 155.38M
Adjusted Diluted Earnings per Share		 ($0.47) ($0.79) ($1.14) ($1.35) ($3.40) $0.27 $1.65 $8.61 $0.24 $0.90
Adjusted Weighted Average Diluted Shares Outstanding		 414.72M 415.11M 351.43M 273.57M 797.92M 722.49M 240.83M 240.71M 682.90M 155.38M
Adjusted Basic & Diluted Earnings per Share		 ($0.47) $0.00 $0.00 $0.00 ($3.40) $0.00 $0.00 $0.00 $0.24 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 414.72M 415.11M 351.43M 273.57M 797.92M 722.49M 240.83M 240.71M 682.90M 155.38M
Normalized Net Operating Profit after Tax (NOPAT)		 -159 -222 -273 -237 -1,928 277 504 2,073 228 155
Normalized NOPAT Margin		 -25.42% -35.62% -40.69% -37.38% -222.35% 26.61% 41.97% 78.14% 39.53% 45.18%
Pre Tax Income Margin		 -38.08% -53.77% -63.19% -60.19% -324.91% 25.72% 40.93% 75.65% 31.89% 59.77%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 -0.27 -0.33 -0.43 -0.43 -3.98 0.43 0.82 4.19 0.61 1.12
NOPAT to Interest Expense		 -0.19 -0.23 -0.30 -0.30 -2.79 0.33 0.69 4.19 0.57 0.83
EBIT Less CapEx to Interest Expense		 -0.27 -0.30 -0.45 -0.47 -4.02 0.43 0.82 4.17 0.57 1.11
NOPAT Less CapEx to Interest Expense		 -0.19 -0.20 -0.32 -0.34 -2.82 0.33 0.69 4.16 0.53 0.82
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 -7.87% -5.64% -10.39% -18.16% -656.96% 17.05% 15.71% 15.47% 53.85% 55.57%
Augmented Payout Ratio		 -7.87% -5.64% -10.39% -17.79% -656.96% 17.05% 15.71% 16.11% 54.92% 56.69%

Frequently Asked Questions About Flagstar Financial's Financials

When does Flagstar Financial's financial year end?

According to the most recent income statement we have on file, Flagstar Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Flagstar Financial's net income changed over the last 8 years?

Flagstar Financial's net income appears to be on a downward trend, with a most recent value of -$1.12 billion in 2024, rising from -$47.16 million in 2015. The previous period was -$79 million in 2023. Find out what analysts predict for Flagstar Financial in the coming months.

How has Flagstar Financial revenue changed over the last 8 years?

Over the last 8 years, Flagstar Financial's total revenue changed from $618.84 million in 2015 to $2.55 billion in 2024, a change of 312.4%.

How much debt does Flagstar Financial have?

Flagstar Financial's total liabilities were at $91.99 billion at the end of 2024, a 13.0% decrease from 2023, and a 107.3% increase since 2015.

How much cash does Flagstar Financial have?

In the past 9 years, Flagstar Financial's cash and equivalents has ranged from $537.67 million in 2015 to $15.43 billion in 2024, and is currently $15.43 billion as of their latest financial filing in 2024.

How has Flagstar Financial's book value per share changed over the last 9 years?

Over the last 9 years, Flagstar Financial's book value per share changed from 12.24 in 2015 to 18.46 in 2024, a change of 50.9%.


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This page (NYSE:FLG) was last updated on 5/25/2025 by MarketBeat.com Staff
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