Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -22.94 | 68.03 | 118.01 | 68.72 | — | — | — | — | — | — | — | — | 10.37 | 5.08 | 0.79 | 7.17 | 7.03 | 6.65 | 8.65 | 10.06 | 10.85 |
| — | — | — | — | — | — | — | — | — | — | — | — | +47.5% | -23.6% | -90.9% | -28.8% | -35.2% | -26.8% | -20.5% | +47.5% | +20.7% | |
| P/S Ratio | 2.50 | 3.43 | 3.08 | 2.76 | 2.47 | 2.22 | 2.46 | 1.52 | 1.65 | 1.05 | 0.79 | 2.10 | 1.97 | 1.92 | 2.39 | 2.79 | 2.90 | 2.83 | 3.61 | 4.19 | 4.49 |
| — | +54.6% | +25.4% | +81.9% | +49.6% | +110.2% | +211.3% | -27.9% | -16.2% | -45.0% | -66.9% | -24.6% | -31.9% | -32.2% | -33.9% | -33.4% | -35.5% | -23.4% | -18.1% | +10.9% | +39.0% | |
| P/B Ratio | 0.60 | 0.87 | 0.76 | 0.71 | 0.59 | 0.54 | 0.59 | 0.40 | 0.48 | 0.34 | 0.28 | 0.88 | 0.75 | 0.74 | 0.58 | 0.53 | 0.59 | 0.62 | 0.72 | 0.80 | 0.86 |
| — | +59.9% | +28.0% | +78.1% | +23.1% | +61.2% | +108.2% | -54.9% | -35.8% | -54.2% | -50.8% | +67.9% | +26.9% | +17.8% | -20.2% | -34.6% | -31.4% | -15.7% | -16.1% | +12.8% | +51.2% | |
| P/FCF | — | 8.23 | — | — | 5.14 | 3.16 | — | 1.31 | — | 0.91 | — | 2.45 | 1.93 | — | 0.51 | 2.96 | 4.28 | 4.96 | 6.79 | 6.62 | 24.93 |
| — | +160.3% | — | — | — | +245.6% | — | -46.4% | — | — | — | -17.3% | -55.0% | — | -92.4% | -55.3% | -82.8% | — | -42.5% | -49.0% | +145.0% | |
| EV / EBITDA | — | 61.96 | 63.17 | 54.39 | — | — | — | — | — | — | — | — | 12.60 | 4.05 | 0.66 | 44.16 | 19.50 | 16.59 | 20.84 | 29.43 | 23.46 |
| — | — | — | — | — | — | — | — | — | — | — | — | -35.4% | -75.6% | -96.9% | +50.0% | -16.9% | -23.2% | -12.1% | +12.2% | -18.6% | |
| EV / EBIT | — | 91.65 | 132.26 | 96.70 | — | — | — | — | — | — | — | — | 14.81 | 4.44 | 0.66 | 46.56 | 19.88 | 16.87 | 21.35 | 30.17 | 24.05 |
| — | — | — | — | — | — | — | — | — | — | — | — | -25.5% | -73.7% | -96.9% | +54.3% | -17.4% | -23.7% | -12.6% | +11.6% | -19.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 37.6% | 47.3% | 47.9% | 46.7% | 38.5% | 35.4% | 33.0% | 27.3% | 23.1% | 16.9% | 26.7% | 20.6% | 58.6% | 61.0% | 42.6% | 40.7% | 64.8% | 74.9% | 78.6% | 76.6% | 77.7% |
| — | +33.7% | +45.1% | +71.1% | +66.4% | +109.4% | +23.7% | +32.7% | -60.5% | -72.3% | -37.3% | -49.4% | -9.6% | -18.6% | -45.7% | -46.9% | -16.5% | -4.6% | +4.7% | +8.3% | +18.6% | |
| Operating Margin | -4.2% | 4.6% | 3.1% | 4.0% | -3.5% | -6.6% | -9.7% | -16.6% | -20.3% | -25.5% | -23.2% | -177.7% | 16.0% | 29.7% | 177.5% | 25.6% | 39.0% | 46.8% | 46.7% | 45.6% | 46.3% |
| — | +168.7% | +131.7% | +124.3% | +82.6% | +74.0% | +58.1% | +90.7% | -226.9% | -186.0% | -113.1% | -793.5% | -58.9% | -36.7% | +279.8% | -43.9% | -15.8% | -1.2% | +4.2% | +12.8% | +29.8% | |
| Net Margin | -3.8% | 3.2% | 2.0% | 2.6% | -3.1% | -5.7% | -8.0% | -13.1% | -17.0% | -19.4% | -19.9% | -170.7% | 12.4% | 24.9% | 177.4% | 24.0% | 28.9% | 34.8% | 35.0% | 34.4% | 34.7% |
| — | +156.3% | +125.1% | +119.8% | +81.8% | +70.5% | +59.6% | +92.3% | -237.3% | -178.1% | -111.2% | -812.4% | -57.2% | -28.5% | +406.9% | -30.4% | -16.6% | +2.4% | +5.4% | -20.0% | +29.0% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -2.2% | 0.4% | 0.3% | 0.4% | -0.4% | -0.9% | -1.2% | -2.2% | -3.3% | -3.8% | -3.9% | -27.9% | 1.9% | 3.8% | 20.5% | 2.2% | 2.2% | 2.5% | 2.2% | 2.1% | 2.1% |
| — | +148.5% | +121.1% | +115.9% | +86.5% | +77.6% | +68.6% | +92.0% | -275.8% | -201.8% | -119.1% | -1364.8% | -16.2% | +51.9% | +821.1% | +3.2% | +4.4% | +12.3% | +4.5% | -23.4% | +24.2% | |
| ROA | -0.2% | 0.0% | 0.0% | 0.0% | -0.0% | -0.1% | -0.1% | -0.2% | -0.2% | -0.3% | -0.3% | -2.4% | 0.2% | 0.3% | 1.9% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +152.8% | +123.7% | +118.5% | +83.7% | +73.5% | +64.9% | +92.7% | -233.3% | -181.8% | -115.4% | -1168.7% | -25.4% | +23.6% | +629.4% | -12.1% | -6.6% | +4.4% | +1.1% | -25.1% | +21.5% | |
| ROIC | -0.7% | 0.2% | 0.1% | 0.2% | -0.1% | -0.3% | -0.4% | -0.7% | -0.8% | -0.9% | -0.8% | -6.8% | 0.8% | 1.2% | 4.1% | 0.5% | 0.7% | 0.8% | 0.6% | 0.6% | 0.7% |
| — | +167.3% | +130.0% | +123.4% | +81.0% | +68.3% | +49.0% | +89.7% | -200.2% | -171.0% | -119.1% | -1598.9% | +3.8% | +57.4% | +568.8% | -24.1% | +10.7% | +12.4% | -3.0% | +1.9% | +27.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.50 | 1.34 | 1.38 | 1.50 | 1.63 | 1.63 | 1.74 | 1.77 | 2.37 | 3.44 | 3.19 | 3.42 | 1.33 | 1.48 | 1.98 | 3.59 | 2.08 | 2.13 | 2.26 | 2.92 | 2.25 |
| — | -17.5% | -20.8% | -15.3% | -31.5% | -52.7% | -45.4% | -48.4% | +78.8% | +131.9% | +60.8% | -4.7% | -36.2% | -30.4% | -12.1% | +22.9% | -7.7% | -6.2% | -4.3% | +22.1% | -5.0% | |
| Debt / EBITDA | — | 154.04 | 166.96 | 152.30 | — | — | — | — | — | — | — | — | 46.30 | 30.45 | 10.51 | 163.18 | 67.11 | 62.13 | 73.49 | 100.79 | 76.89 |
| — | — | — | — | — | — | — | — | — | — | — | — | -31.0% | -51.0% | -85.7% | +61.9% | -12.7% | -14.2% | -7.3% | +13.3% | -23.4% | |
| Current Ratio | 0.54 | — | — | 0.54 | 0.12 | 0.11 | 0.36 | 0.35 | 0.31 | 0.29 | 0.22 | 0.27 | 0.21 | 0.29 | 0.38 | 0.18 | 0.23 | 0.23 | 0.24 | 0.22 | 0.25 |
| — | — | — | +52.9% | -61.8% | -61.2% | +65.0% | +31.0% | +48.3% | +1.0% | -43.3% | +49.9% | -7.7% | +25.3% | +60.5% | -17.9% | -10.3% | -7.8% | -13.5% | -12.0% | +14.6% | |
| Quick Ratio | 0.54 | — | — | 0.54 | 0.12 | 0.11 | 0.36 | 0.35 | 0.31 | 0.29 | 0.22 | 0.27 | 0.21 | 0.29 | 0.38 | 0.18 | 0.23 | 0.23 | 0.24 | 0.22 | 0.25 |
| — | — | — | +52.9% | -61.8% | -61.2% | +65.0% | +31.0% | +48.3% | +1.0% | -43.3% | +49.9% | -7.7% | +25.3% | +60.5% | -17.9% | -10.3% | -7.8% | -13.5% | -12.0% | +14.6% | |
| Interest Coverage | -0.07 | 0.09 | 0.06 | 0.08 | -0.06 | -0.11 | -0.16 | -0.27 | -0.33 | -0.43 | -0.43 | -3.98 | 0.43 | 0.82 | 4.19 | 0.61 | 1.12 | 2.02 | 2.13 | 2.03 | 2.05 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying FLG stock.
Flagstar Financial, Inc.'s current P/E is -22.9x. The average P/E over the last 3 quarters is 84.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Flagstar Financial, Inc.'s current operating margin is -4.2%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Flagstar Financial, Inc.'s business trajectory between earnings reports.