Flagstar Financial, Inc. (FLG) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
N/A
—
5yr avg: 93.80
30Y Low10.0·High42.6
P/FCF
↑
N/A
—
5yr avg: 30.66
30Y Low4.1·High61.7
P/B Ratio
↓
0.77
↑+21% vs avg
5yr avg: 0.63
30Y Low0.4·High4.0
ROE
↓
-2.2%
↑-6725% vs avg
5yr avg: 0.0%
30Y Low-14%·High22%
Debt/EBITDA
↑
N/A
—
5yr avg: 103.66
30Y Low2.0·High37.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
FLG Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Flagstar Financial, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $6.3B | $5.2B | $3.1B | $7.3B | $4.2B | $5.7B | $4.9B | $5.6B | $4.6B | $6.3B | $7.7B |
| Enterprise Value | $17.9B | $16.9B | $2.1B | $24.4B | $33.8B | $24.0B | $19.3B | $19.7B | $17.3B | $16.7B | $20.8B |
| P/E Ratio → | -29.47 | — | — | — | 6.84 | 10.20 | 10.34 | 15.61 | 11.91 | 14.47 | 15.70 |
| P/S Ratio | 1.33 | 1.11 | 0.48 | 1.21 | 1.92 | 3.24 | 2.76 | 2.96 | 2.57 | 3.49 | 4.23 |
| P/B Ratio | 0.77 | 0.64 | 0.38 | 0.87 | 0.47 | 0.80 | 0.71 | 0.83 | 0.69 | 0.93 | 1.26 |
| P/FCF | — | — | 61.71 | 37.06 | 4.08 | 19.81 | 14.63 | 10.98 | 8.64 | 4.88 | 11.50 |
| P/OCF | — | — | 35.88 | 27.76 | 4.07 | 19.54 | 14.63 | 10.98 | 8.49 | 4.78 | 10.21 |
P/E links to full P/E history page with 30-year chart
FLG EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.59 | 0.33 | 4.04 | 15.52 | 13.72 | 10.90 | 10.43 | 9.72 | 9.20 | 11.41 |
| EV / EBITDA | — | — | — | 212.54 | 39.81 | 29.04 | 31.52 | 35.82 | 29.35 | 23.85 | 25.65 |
| EV / EBIT | — | — | — | — | 40.92 | 29.80 | 32.81 | 37.67 | 31.05 | 25.03 | 26.81 |
| EV / FCF | — | — | 41.63 | 124.07 | 33.04 | 83.97 | 57.76 | 38.63 | 32.64 | 12.88 | 31.03 |
FLG Profitability
Margins and return-on-capital ratios measuring operating efficiency
Flagstar Financial, Inc. earns an operating margin of -4.2%, below the Financial Services sector average of 20.0%. Operating margins have compressed from -0.8% to -4.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -2.2% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 37.6% | 37.6% | 23.4% | 46.3% | 61.9% | 77.0% | 62.1% | 54.7% | 62.0% | 73.1% | 78.6% |
| Operating Margin | -4.2% | -4.2% | -21.6% | -0.8% | 37.9% | 46.1% | 33.2% | 27.7% | 31.3% | 36.8% | 42.5% |
| Net Profit Margin | -3.8% | -3.8% | -17.5% | -1.3% | 29.8% | 34.1% | 28.9% | 20.9% | 23.7% | 25.6% | 27.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -2.2% | -2.2% | -13.5% | -0.9% | 8.2% | 8.6% | 7.5% | 5.9% | 6.3% | 7.2% | 8.2% |
| ROA | -0.2% | -0.2% | -1.0% | -0.1% | 0.9% | 1.0% | 0.9% | 0.7% | 0.8% | 1.0% | 1.0% |
| ROIC | -0.7% | -0.7% | -3.5% | -0.1% | 1.8% | 2.4% | 2.0% | 1.8% | 2.1% | 2.5% | 2.8% |
| ROCE | -0.5% | -0.5% | -6.0% | -0.2% | 4.0% | 3.8% | 2.7% | 2.5% | 2.8% | 3.5% | 4.1% |
FLG Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $11.6B ($12.2B total debt minus $553M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.50 | 1.50 | 1.77 | 3.42 | 3.59 | 2.92 | 2.39 | 2.21 | 2.13 | 1.90 | 2.23 |
| Debt / EBITDA | — | — | — | 248.84 | 37.29 | 24.86 | 26.72 | 26.99 | 24.08 | 18.42 | 16.83 |
| Net Debt / Equity | — | 1.43 | -0.12 | 2.05 | 3.36 | 2.61 | 2.11 | 2.10 | 1.91 | 1.53 | 2.14 |
| Net Debt / EBITDA | — | — | — | 149.06 | 34.89 | 22.19 | 23.53 | 25.64 | 21.58 | 14.81 | 16.15 |
| Debt / FCF | — | — | -20.08 | 87.02 | 28.96 | 64.16 | 43.12 | 27.65 | 24.00 | 8.00 | 19.53 |
| Interest Coverage | -0.07 | -0.07 | -0.36 | -0.02 | 1.19 | 2.02 | 0.97 | 0.62 | 0.85 | 1.48 | 2.01 |
FLG Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.54x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.27x to 0.54x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.54 | 0.54 | 0.35 | 0.27 | 0.18 | 0.22 | 0.25 | 0.20 | 0.21 | 0.18 | 0.05 |
| Quick Ratio | 0.54 | 0.54 | 0.35 | 0.27 | 0.18 | 0.22 | 0.25 | 0.20 | 0.21 | 0.18 | 0.05 |
| Cash Ratio | 0.02 | 0.02 | 0.19 | 0.13 | 0.03 | 0.06 | 0.06 | 0.02 | 0.05 | 0.09 | 0.02 |
| Asset Turnover | — | 0.05 | 0.06 | 0.05 | 0.02 | 0.03 | 0.03 | 0.04 | 0.03 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
FLG Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Flagstar Financial, Inc. returns 0.2% to shareholders annually primarily through dividends.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.2% | 0.3% | 1.7% | 6.7% | 7.6% | 5.6% | 6.5% | 5.7% | 7.3% | 5.2% | 4.3% |
| Payout Ratio | — | — | — | — | 48.8% | 53.0% | 61.8% | 80.3% | 78.8% | 71.2% | 66.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | 14.6% | 9.8% | 9.7% | 6.4% | 8.4% | 6.9% | 6.4% |
| FCF Yield | — | — | 1.6% | 2.7% | 24.5% | 5.0% | 6.8% | 9.1% | 11.6% | 20.5% | 8.7% |
| Buyback Yield | 0.0% | 0.0% | 0.4% | 0.2% | 0.6% | 0.3% | 1.2% | 1.3% | 3.6% | 0.3% | 0.1% |
| Total Shareholder Yield | 0.2% | 0.3% | 2.1% | 6.8% | 8.2% | 5.9% | 7.7% | 7.0% | 10.8% | 5.5% | 4.4% |
| Shares Outstanding | — | $415M | $331M | $238M | $162M | $155M | $154M | $155M | $162M | $162M | $162M |
Peer Comparison
Compare FLG with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 FLGYou | $6B | -29.5 | — | — | 37.6% | -4.2% | -2.2% | -0.7% | — |
 WAL | $9B | 9.2 | 8.7 | — | 61.1% | 22.9% | 13.2% | 6.5% | 4.8 |
 BANC | $3B | 17.4 | 9.7 | 13.5 | 58.7% | 18.0% | 6.5% | 3.9% | 7.6 |
 COLB | $7B | 13.6 | 12.2 | 10.5 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
 PFSI | $4B | 8.6 | 17.8 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 RKT | $38B | -489.8 | 39.7 | — | 91.6% | 8.7% | -0.4% | 2.0% | — |
 UWMC | $316M | 16.9 | 7.6 | — | 85.6% | 58.0% | 1.5% | 8.9% | 7.7 |
 LDI | $382M | -3.8 | 22.2 | — | 88.3% | 13.2% | -14.0% | 2.7% | 22.0 |
 GHLD | $439M | 12.8 | 21.4 | — | 90.6% | 10.1% | 8.0% | 2.4% | 19.4 |
 FHN | $12B | 13.3 | 11.6 | 12.4 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
 ICE | $75B | 23.1 | 14.7 | 17.5 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
| Financial Services Median | — | 13.9 | 11.1 | 11.2 | 64.0% | 20.0% | 8.9% | 5.3% | 4.2 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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FLG — Frequently Asked Questions
Quick answers to the most common questions about buying FLG stock.
What is Flagstar Financial, Inc.'s P/E ratio?
Flagstar Financial, Inc.'s current P/E ratio is -29.5x. The historical average is 17.1x.
What is Flagstar Financial, Inc.'s ROE?
Flagstar Financial, Inc.'s return on equity (ROE) is -2.2%. The historical average is 8.2%.
Is FLG stock overvalued?
Based on historical data, Flagstar Financial, Inc. is trading at a P/E of -29.5x. Compare with industry peers and growth rates for a complete picture.
What is Flagstar Financial, Inc.'s dividend yield?
Flagstar Financial, Inc.'s current dividend yield is 0.24%.
What are Flagstar Financial, Inc.'s profit margins?
Flagstar Financial, Inc. has 37.6% gross margin and -4.2% operating margin.