Flagstar Financial, Inc. logo FLG - Flagstar Financial, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 7
HOLD 7
SELL 0
STRONG
SELL
0
| PRICE TARGET: $15.58 DETAILS
HIGH: $17.00
LOW: $14.00
MEDIAN: $15.50
CONSENSUS: $15.58
UPSIDE: 12.49%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 4,695 6,384 6,047 2,178 1,750 1,769 1,889 1,781.2 1,818.1 1,826.6 1,898.4 1,899.5 1,916.7 2,076.4 2,074.5 2,234.5 1,642.6 1,603.7 1,614.8 1,499.5 1,267.1 1,122.1 913.1 701.3 513.9 196.5 145.6 136.9 120 104.7 94.5 85.1 77
Cost of Revenue 2,929 4,893 3,247 829 403 670 855 676.9 489.5 391.7 1,268.5 524.1 572.2 694.1 766.7 836.7 792.3 937.3 950.2 847.1 583.7 390.9 244.2 226.3 217.5 101.8 71.8 65.8 55.3 42.8 39.8 29.7 33.4
Gross Profit 1,766 1,491 2,800 1,349 1,347 1,099 1,034 1,104.3 1,328.6 1,434.9 629.9 1,375.4 1,344.5 1,382.3 1,307.9 1,397.8 850.3 666.4 664.6 652.4 683.5 731.2 669.0 475.1 296.4 94.7 73.8 71.1 64.7 61.9 54.7 55.4 43.6
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 1,178 2,385 1,899 512 430 425 422 446.5 561.2 545.7 522.5 495.0 478.3 488.7 470.1 435.4 305.1 250.2 230.0 199.6 192.2 145.8 102.7 72.1 63.1 44.4 13.5 18.5 18.9 16.2 17.8 17.7 16.3
Other Expenses 786 484 951 11 111 86 89 100.1 99.2 112.1 239.4 107.3 119.0 112.7 103.1 124.9 (47.9) 362.4 32.5 104.1 46.5 53.4 73.6 67.0 58.0 5.4 7.8 7.5 8.1 7 5 5.3 5.2
Operating Expenses 1,964 2,869 2,850 523 541 511 511 546.6 660.4 657.8 761.9 602.3 597.4 601.4 573.3 560.3 257.2 612.6 262.5 303.7 238.8 199.2 176.3 139.1 121.2 49.8 21.3 26 27 23.2 22.8 23 21.5
Operating Income
Operating Income (198) (1,378) (50) 826 806 588 523 557.7 668.2 777.1 (132.0) 773.1 747.1 780.9 734.6 837.5 593.1 53.8 402.1 348.7 444.7 532.0 492.7 336.0 175.2 44.9 52.5 45.1 37.7 38.7 31.9 32.4 22.1
Interest Expense 2,745 3,801 2,414 696 400 608 848 658.7 452.2 387.5 1,283.5 542.7 541.5 631.1 666.2 733.8 729.3 929.6 950.2 847.1 583.7 390.9 244.2 226.3 217.5 101.8 74.2 65.8 55.3 44.8 39.6 28.5 28.7
Interest Income 4,466 5,952 5,491 2,092 1,689 1,708 1,805 1,689.7 1,582.2 1,674.9 1,691.6 1,683.1 1,708.1 1,791.1 1,866.7 1,913.8 1,634.6 1,605.1 1,566.7 1,408.7 1,179.0 1,190.2 749.2 599.5 423.3 174.8 143.1 134.3 117.7 102.3 91.5 83.1 75.1
Profitability
EBITDA (198) (1,194) 115 849 827 612 550 590.0 701.2 812.3 (95.2) 809.2 791.0 826.0 784.2 888.8 635.9 96.9 443.8 382.0 469.8 556.7 524.3 359.6 188.3 51.7 54.8 46.4 39 40.2 32.8 33.5 24.1
EBIT (198) (1,378) (50) 826 806 588 523 557.7 668.2 777.1 (132.0) 773.1 747.1 780.9 734.6 837.5 593.1 53.8 402.1 348.7 444.7 532.0 492.7 336.0 175.2 44.9 52.5 45.1 37.7 38.7 31.9 32.4 22.1
Income Before Tax (198) (1,378) (50) 826 806 588 523 557.7 668.2 777.1 (132.0) 773.1 747.1 780.9 734.6 837.5 593.1 53.8 402.1 348.7 444.7 532.0 492.7 336.0 175.2 44.9 52.5 45.1 37.7 38.7 31.9 32.4 22.1
Income Tax Expense (21) (260) 29 176 210 77 128 135.3 202.0 281.7 (84.9) 287.7 271.6 279.8 254.5 296.5 194.5 (24.1) 123.0 116.1 152.6 176.9 169.3 106.8 70.8 20.4 20.8 18.2 14.4 17.8 11.7 13.6 10
Net Income (177) (1,118) (79) 650 596 511 395 422.4 466.2 495.4 (47.2) 485.4 475.5 501.1 480.0 541.0 398.6 77.9 279.1 232.6 292.1 355.1 323.4 229.2 104.5 24.5 31.7 26.9 23.3 20.9 20.2 18.8 12.1
Per Share Data
EPS (Basic) -0.51 -3.49 -0.49 3.78 3.59 3.06 2.31 2.37 2.70 3.04 -0.33 3.28 3.23 3.40 3.28 3.72 3.38 0.69 2.70 2.45 3.36 4.10 5.10 3.81 2.30 0.98 1.28 1.06 0.86 0.68 0.61 0.53 0.36
EPS (Diluted) -0.51 -3.49 -0.49 3.77 3.59 3.06 2.31 2.37 2.70 3.04 -0.33 3.28 3.23 3.40 3.28 3.72 3.38 0.69 2.69 2.44 3.34 3.99 4.95 3.75 2.26 0.95 1.25 1.01 0.80 0.64 0.57 0.51 0.36
Shares Outstanding 415.3 320.3 237.9 161.2 154.7 154.2 155.1 162.4 162.4 161.7 149.7 147.0 146.4 145.9 145.3 144.6 117.3 111.6 103.2 95.0 86.8 86.6 63.4 60.2 45.5 25.0 24.7 25.4 27.2 30.9 33.2 35.5 33.6
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 553 15,430 11,475 2,032 2,211 1,948 741.9 1,475.0 2,528.2 557.9 2,670.9 203.2 187.7 285.9 97.6 178.6 257.7 31.2 46.6 22.8 21 39 12 55
Short-Term Investments 15,701 10,402 9,145 8,626 4,612 4,535 4,480.8 4,384.8 2,268.2 104.3 1,518.6 1,010.5 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 2,116 3,189 1,679 1,796 1,735 1,272.0 683.1 662.6 802.9 743.3 1.4 0 0 0 0 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 16,254 27,948 23,809 12,337 8,619 8,218 6,494.7 6,542.9 5,459.0 1,465.0 4,932.8 1,215.2 187.7 285.9 97.6 178.6 257.7 31.2 46.6 22.8 21 39 12 55
Non-Current Assets
Property, Plant & Equipment 477 562 652 491 270 554 598.8 346.2 368.7 373.7 205.2 217.8 148.3 152.6 74.5 69.0 39.2 10.1 10.4 10.8 11.1 10.5 10.8 11.4
Goodwill 0 0 0 2,426 2,426 2,426 2,426.4 2,436.1 2,436.1 2,436.1 2,436.4 2,436.4 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 381 514 1,736 1,320 0 0 0 0.8 6.1 234.2 105.8 87.8 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 0 65,868 81,634 68,058 43,759 41,104 40,507.3 39,353.5 37,602.6 40,531.0 32,488.8 26,987.4 20,399.9 19,923.2 10,132.1 7,990.0 4,144.6 1,806.6 1,663.1 1,542.3 1,306.4 1,165.7 1,124.1 1,002.5
Other Non-Current Assets 0 5,268 6,226 5,512 4,453 4,004 3,613.6 3,220.7 3,251.8 3,886.5 1,985.0 1,522.4 1,263.0 1,062.3 332.8 350.3 151.2 58.9 26.8 27.4 20.2 25.7 23.9 20.8
Total Non-Current Assets 858 72,212 90,248 77,807 50,908 48,088 47,146.1 45,356.5 43,665.2 47,461.5 37,221.1 31,251.8 23,617.9 22,984.5 11,215.4 9,024.0 4,453.1 1,875.6 1,700.3 1,580.5 1,337.7 1,201.9 1,158.8 1,034.7
Total Assets 87,512 100,160 114,057 90,144 59,527 56,306 53,640.8 51,899.4 49,124.2 48,926.6 42,153.9 32,466.9 24,037.8 23,441.3 11,313.1 9,202.6 4,710.8 1,906.8 1,746.9 1,603.3 1,358.7 1,240.9 1,170.8 1,089.7
Current Liabilities
Account Payables 0 0 0 0 18 19 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 0 3,750 7,350 10,325 4,550 800 800 500 450 1,650 4,781.5 4,635 16.8 78.1 11.5 87.6 41.2 636.4 439.1 309.7 81.4 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 30,293 75,870 81,526 58,721 35,059 32,437 31,657.1 30,764.4 29,102.2 28,887.9 22,316.4 14,375.6 10,402.1 10,329.1 5,256.0 5,450.6 3,257.2 1,076.1 1,102.3 1,069.2 1,023.9 932.2 850.8 827.2
Total Current Liabilities 30,293 79,620 88,876 69,046 39,627 33,256 32,457.1 31,264.4 29,552.2 30,537.9 27,098.0 19,010.6 10,418.9 10,407.2 5,267.6 5,538.2 3,298.4 1,712.5 1,541.4 1,378.9 1,105.3 932.2 850.8 827.2
Non-Current Liabilities
Long-Term Debt 12,184 10,676 21,267 21,332 15,762 15,284 13,757.6 13,707.9 12,463.7 12,023.4 10,039.7 8,861.7 10,142.5 9,931.0 4,592.1 2,506.8 1,037.5 0 0 0 0 46.1 83.3 10.8
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 36,891 1,697 (4,453) (9,058) (3,155) 657 428.4 271.8 313.0 241.3 (350.7) 375.3 289.9 234.4 129.9 174.4 67.4 57.2 56.1 53.9 42 45 31.4 58.9
Total Non-Current Liabilities 49,075 12,373 16,814 12,274 12,856 16,208 14,472.0 13,979.7 12,776.7 12,264.7 9,689.0 9,237.0 10,432.5 10,165.5 4,722.0 2,681.3 1,104.9 57.2 56.1 53.9 42 91.1 114.7 69.7
Total Liabilities 79,368 91,993 105,690 81,320 52,483 49,464 46,929.1 45,244.1 42,328.8 42,802.6 36,787.0 28,247.7 20,851.4 20,572.7 9,989.6 8,219.5 4,403.4 1,769.7 1,597.5 1,432.8 1,147.3 1,023.3 965.5 896.9
Stockholders' Equity
Common Stock 4 4 2 7 5 5 4.9 4.9 4.9 4.9 4.3 3.5 2.7 1.9 1.1 1.1 0.3 0.3 0 0 0 0 0 0
Retained Earnings (988) (763) 443 1,041 741 494 342.0 297.2 237.9 128.4 175.2 123.5 452.1 434.6 275.1 167.5 146.5 150.5 165.4 166.2 154.9 141 122.6 104.5
Accumulated Other Comprehensive Income (489) (640) (599) (620) (85) (25) (32.8) (87.7) (15.2) (56.7) (49.9) (87.3) (58.5) (53.7) 11.5 (6.0) (11.5) (16.2) 0 0 0 0 0 0
Total Stockholders' Equity 8,144 8,167 8,367 8,824 7,044 6,842 6,711.7 6,655.2 6,795.4 6,124.0 5,366.9 4,219.2 3,186.4 2,868.7 1,323.5 983.1 307.4 137.1 149.4 170.5 211.4 217.6 205.3 192.8
Total Liabilities & Equity 87,512 100,160 114,057 90,144 59,527 56,306 53,640.8 51,899.4 49,124.2 48,926.6 42,153.9 32,466.9 24,037.8 23,441.3 11,313.1 9,202.6 4,710.8 1,906.8 1,746.9 1,603.3 1,358.7 1,240.9 1,170.8 1,089.7
Debt Metrics
Total Debt 12,184 14,426 28,617 31,657 20,561 16,351 14,843.6 14,207.9 12,913.7 13,673.4 14,821.2 13,496.7 10,159.4 10,009.1 4,603.6 2,594.5 1,078.7 636.4 439.1 309.7 81.4 46.1 83.3 10.8
Net Debt 11,631 (1,004) 17,142 29,625 18,350 14,403 14,101.7 12,732.9 10,385.5 13,115.5 12,150.4 13,293.5 9,971.7 9,723.2 4,506.0 2,415.9 821.0 605.2 392.5 286.9 60.4 7.1 71.3 (44.2)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income (177) (1,118) (79) 650 596 511 395 422.4 466.2 495.4 292.1 355.1 323.4 229.2 104.5 24.5 31.7 26.9 23.3 20.9 20.2 18.8 12.1
Depreciation & Amortization 0 184 165 23 21 24 27 32.3 33.0 35.2 25.1 24.7 31.6 23.6 13.1 6.8 2.3 1.3 1.3 1.5 0.9 1.1 2
Stock-Based Compensation 0 54 47 29 31 29 32 36.3 36.0 32.7 43.7 9.6 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (437) 43 (944) 395 (342) (521) (45) (23.4) (1,198.9) (4,324.3) 23.6 (291.3) (157.6) (183.7) (0.4) (5.1) (28.6) 0.9 3.6 1.4 4.5 (29.2) 33
Other Non-Cash Items 80 1,334 1,261 (68) (3) 72 0 49.5 1,968.9 4,472.0 65.5 219.0 (1,341.8) (11.7) (545.0) (92.4) 7.2 13.2 8.9 3.6 4.9 4.5 14.8
Operating Cash Flow (534) 86 263 1,026 290 334 510 540.4 1,326.7 755.7 452.0 358.3 (1,352.2) 88.4 (425.9) (103.1) 13 41.9 34.9 29.9 30 (6.4) 61.9
Investing Activities
Capital Expenditure (67) (36) (66) (3) (4) 0 0 (9.8) (27.8) (84.2) (2.4) (42.1) (85.9) (12.3) (33.8) (30.6) (0.6) (0.5) (0.7) (1.3) (0.4) (0.1) (0.8)
Acquisitions 0 0 24,901 331 0 0 0 0 0 0 23.7 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (7,694) (3,440) (3,046) (2,242) (1,796) (2,514) (2,503) (3,288.2) (1,176.1) (492.6) (6.4) (6,459.5) (13,313.0) (4,217.4) (2,865.6) (763.2) (54.8) (197.9) (83.5) (96) (57.5) (67.5) (177.3)
Sales/Maturities of Investments 2,612 2,472 3,260 960 1,728 2,546 2,323 1,096.4 1,565.0 2,872.7 1,678.0 8,783.3 8,233.0 2,774.2 797.6 615.8 31.9 168.5 96.5 106.1 73.6 103.9 186.4
Other Investing Activities 8,189 16,457 (4,376) (5,369) (2,690) (1,058) (1,888) (1,818.8) 700.6 (1,077.8) (3,445.2) (2,980.6) (5,007.4) (655.0) (1,758.3) (2,021.6) (113.4) (91.6) (248.7) (150.7) (59.2) (157.8) (126.9)
Investing Cash Flow 3,040 15,453 20,673 (6,323) (2,762) (1,025) (2,059) (4,020.5) 1,061.7 1,218.2 (1,752.2) (665.8) (10,173.3) (2,110.5) (3,860.1) (2,199.6) (136.9) (121.5) (236.4) (141.9) (43.5) (121.5) (118.6)
Financing Activities
Net Debt Issuance (2,250) (6,851) (74) (1,931) 478 1,525 348 1,293.8 (760) (2,075.3) 306.6 195.0 5,338.9 2,085.2 1,469.3 401.1 197.3 129.4 228.3 35.3 (37.2) 81.6 (15.7)
Stock Repurchased 0 (11) (12) (24) (16) (59) (75) (163.2) (18.5) (8.7) (1.2) (275.5) 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (48) (88) (519) (350) (349) (349) (350) (365.9) (356.8) (330.8) (261.1) (250.7) (163.9) (121.6) (83.5) (28.5) (46.5) (27.8) (11.9) (7) (1.9) (0.6) 0
Other Financing Activities (9,790) (5,644) (10,804) 7,473 2,622 780 893 1,662.3 214.3 461.1 1,298.8 140.9 5,127.9 (202.3) 2,203.6 2,182.2 (29.1) 35.6 48.6 91.4 89.1 11.1 2.9
Financing Cash Flow (12,088) (11,589) (11,409) 5,168 2,735 1,897 816 2,426.9 (418.1) (1,953.6) 1,343.2 209.2 11,714.9 1,941.2 4,206.9 2,523.2 114.5 103.4 203.2 94.1 40.6 84.9 92.4
Cash Position
Net Change in Cash (9,582) 3,950 9,527 (129) 263 1,206 (733) (1,053.2) 1,970.3 20.2 43.0 (98.2) 189.4 (81.0) (79.1) 220.5 (9.4) 23.9 (21) (39) (12) (55) (19.2)
Cash at Beginning 15,559 11,609 2,082 2,211 1,948 742 1,475 2,528.2 557.9 537.7 188.8 287.1 97.6 178.6 257.7 37.2 46.6 22.7 21 39 12 55 19.2
Cash at End 5,977 15,559 11,609 2,082 2,211 1,948 742 1,475.0 2,528.2 557.9 231.8 188.8 287.1 97.6 178.6 257.7 37.2 46.6 0 0 0 0 0
Free Cash Flow (601) 50 197 1,023 286 334 510 530.5 1,298.9 671.5 449.6 316.3 (1,438.1) 76.1 (459.7) (133.7) 12.4 41.4 34.2 28.6 29.6 (6.5) 61.1
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 4,695 6,384 6,047 2,178 1,750 1,769 1,889 1,781.2 1,818.1 1,826.6 1,898.4 1,899.5 1,916.7 2,076.4 2,074.5 2,234.5 1,642.6 1,603.7 1,614.8 1,499.5 1,267.1 1,122.1 913.1 701.3 513.9 196.5 145.6 136.9 120 104.7 94.5 85.1 77
Gross Profit 1,766 1,491 2,800 1,349 1,347 1,099 1,034 1,104.3 1,328.6 1,434.9 629.9 1,375.4 1,344.5 1,382.3 1,307.9 1,397.8 850.3 666.4 664.6 652.4 683.5 731.2 669.0 475.1 296.4 94.7 73.8 71.1 64.7 61.9 54.7 55.4 43.6
Operating Income (198) (1,378) (50) 826 806 588 523 557.7 668.2 777.1 (132.0) 773.1 747.1 780.9 734.6 837.5 593.1 53.8 402.1 348.7 444.7 532.0 492.7 336.0 175.2 44.9 52.5 45.1 37.7 38.7 31.9 32.4 22.1
Net Income (177) (1,118) (79) 650 596 511 395 422.4 466.2 495.4 (47.2) 485.4 475.5 501.1 480.0 541.0 398.6 77.9 279.1 232.6 292.1 355.1 323.4 229.2 104.5 24.5 31.7 26.9 23.3 20.9 20.2 18.8 12.1
EPS (Diluted) -0.51 -3.49 -0.49 3.77 3.59 3.06 2.31 2.37 2.70 3.04 -0.33 3.28 3.23 3.40 3.28 3.72 3.38 0.69 2.69 2.44 3.34 3.99 4.95 3.75 2.26 0.95 1.25 1.01 0.80 0.64 0.57 0.51 0.36
Balance Sheet
Cash & Equivalents 553 15,430 11,475 2,032 2,211 1,948 741.9 1,475.0 2,528.2 557.9 2,670.9 203.2 187.7 285.9 97.6 178.6 257.7 31.2 46.6 22.8 21 39 12 55
Total Assets 87,512 100,160 114,057 90,144 59,527 56,306 53,640.8 51,899.4 49,124.2 48,926.6 42,153.9 32,466.9 24,037.8 23,441.3 11,313.1 9,202.6 4,710.8 1,906.8 1,746.9 1,603.3 1,358.7 1,240.9 1,170.8 1,089.7
Total Debt 12,184 14,426 28,617 31,657 20,561 16,351 14,843.6 14,207.9 12,913.7 13,673.4 14,821.2 13,496.7 10,159.4 10,009.1 4,603.6 2,594.5 1,078.7 636.4 439.1 309.7 81.4 46.1 83.3 10.8
Stockholders' Equity 8,144 8,167 8,367 8,824 7,044 6,842 6,711.7 6,655.2 6,795.4 6,124.0 5,366.9 4,219.2 3,186.4 2,868.7 1,323.5 983.1 307.4 137.1 149.4 170.5 211.4 217.6 205.3 192.8
Cash Flow
Operating Cash Flow (534) 86 263 1,026 290 334 510 540.4 1,326.7 755.7 452.0 358.3 (1,352.2) 88.4 (425.9) (103.1) 13 41.9 34.9 29.9 30 (6.4) 61.9
Capital Expenditure (67) (36) (66) (3) (4) 0 0 (9.8) (27.8) (84.2) (2.4) (42.1) (85.9) (12.3) (33.8) (30.6) (0.6) (0.5) (0.7) (1.3) (0.4) (0.1) (0.8)
Free Cash Flow (601) 50 197 1,023 286 334 510 530.5 1,298.9 671.5 449.6 316.3 (1,438.1) 76.1 (459.7) (133.7) 12.4 41.4 34.2 28.6 29.6 (6.5) 61.1