Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Flagstar Financial, Inc.'s quarterly P/E stands at 118.0x.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -29.47 | 118.01 | 68.72 | — | — | — | — | — | — | — | — | 10.37 | 5.08 |
| — | — | — | — | — | — | — | — | — | — | — | +47.5% | -23.6% | |
| P/S Ratio | 1.33 | 1.48 | 1.30 | 1.03 | 0.90 | 0.97 | 0.57 | 0.62 | 0.43 | 0.36 | 1.17 | 1.23 | 1.23 |
| — | +52.6% | +128.4% | +65.2% | +111.7% | +167.2% | -51.3% | -49.2% | -65.3% | -73.6% | -27.9% | -35.0% | -43.5% | |
| P/B Ratio | 0.77 | 0.76 | 0.71 | 0.59 | 0.54 | 0.59 | 0.40 | 0.48 | 0.34 | 0.28 | 0.88 | 0.75 | 0.74 |
| — | +28.0% | +78.1% | +23.1% | +61.2% | +108.2% | -54.9% | -35.8% | -54.2% | -50.8% | +67.9% | +26.9% | +17.8% | |
| P/FCF | — | — | — | 5.14 | 3.16 | — | 1.31 | — | 0.91 | — | 2.45 | 1.93 | — |
| — | — | — | — | +245.6% | — | -46.4% | — | — | — | -17.3% | -55.0% | — | |
| EV / EBITDA | — | 63.17 | 54.39 | — | — | — | — | — | — | — | — | 12.60 | 4.05 |
| — | — | — | — | — | — | — | — | — | — | — | -35.4% | -75.6% | |
| EV / EBIT | — | 132.26 | 96.70 | — | — | — | — | — | — | — | — | 14.81 | 4.44 |
| — | — | — | — | — | — | — | — | — | — | — | -25.5% | -73.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Flagstar Financial, Inc.'s operating margin was 3.1% in Q1 2026, down 1.0 pp QoQ and up 12.8 pp YoY. The trailing four-quarter average of -0.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 45.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 37.6% | 47.9% | 46.7% | 38.5% | 35.4% | 33.0% | 27.3% | 23.1% | 16.9% | 26.7% | 20.6% | 58.6% | 61.0% |
| — | +45.1% | +71.1% | +66.4% | +109.4% | +23.7% | +32.7% | -60.5% | -72.3% | -37.3% | -49.4% | -9.6% | -18.6% | |
| Operating Margin | -4.2% | 3.1% | 4.0% | -3.5% | -6.6% | -9.7% | -16.6% | -20.3% | -25.5% | -23.2% | -177.7% | 16.0% | 29.7% |
| — | +131.7% | +124.3% | +82.6% | +74.0% | +58.1% | +90.7% | -226.9% | -186.0% | -113.1% | -793.5% | -58.9% | -36.7% | |
| Net Margin | -3.8% | 2.0% | 2.6% | -3.1% | -5.7% | -8.0% | -13.1% | -17.0% | -19.4% | -19.9% | -170.7% | 12.4% | 24.9% |
| — | +125.1% | +119.8% | +81.8% | +70.5% | +59.6% | +92.3% | -237.3% | -178.1% | -111.2% | -812.4% | -57.2% | -28.5% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -2.2% | 0.3% | 0.4% | -0.4% | -0.9% | -1.2% | -2.2% | -3.3% | -3.8% | -3.9% | -27.9% | 1.9% | 3.8% |
| — | +121.1% | +115.9% | +86.5% | +77.6% | +68.6% | +92.0% | -275.8% | -201.8% | -119.1% | -1364.8% | -16.2% | +51.9% | |
| ROA | -0.2% | 0.0% | 0.0% | -0.0% | -0.1% | -0.1% | -0.2% | -0.2% | -0.3% | -0.3% | -2.4% | 0.2% | 0.3% |
| — | +123.7% | +118.5% | +83.7% | +73.5% | +64.9% | +92.7% | -233.3% | -181.8% | -115.4% | -1168.7% | -25.4% | +23.6% | |
| ROIC | -0.7% | 0.1% | 0.2% | -0.1% | -0.3% | -0.4% | -0.7% | -0.8% | -0.9% | -0.8% | -6.8% | 0.8% | 1.2% |
| — | +130.0% | +123.4% | +81.0% | +68.3% | +49.0% | +89.7% | -200.2% | -171.0% | -119.1% | -1598.9% | +3.8% | +57.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Flagstar Financial, Inc.'s Debt/EBITDA ratio is 167.0x, up from 152.3x last quarter — elevated, raising questions about debt serviceability. Debt/Equity has declined for 8 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.50 | 1.38 | 1.50 | 1.63 | 1.63 | 1.74 | 1.77 | 2.37 | 3.44 | 3.19 | 3.42 | 1.33 | 1.48 |
| — | -20.8% | -15.3% | -31.5% | -52.7% | -45.4% | -48.4% | +78.8% | +131.9% | +60.8% | -4.7% | -36.2% | -30.4% | |
| Debt / EBITDA | — | 166.96 | 152.30 | — | — | — | — | — | — | — | — | 46.30 | 30.45 |
| — | — | — | — | — | — | — | — | — | — | — | -31.0% | -51.0% | |
| 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 |
| — | — | +52.9% | -61.8% | -61.2% | +65.0% | +31.0% | +48.3% | +1.0% | -43.3% | +49.9% | -7.7% | +25.3% | |
| 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 |
| — | — | +52.9% | -61.8% | -61.2% | +65.0% | +31.0% | +48.3% | +1.0% | -43.3% | +49.9% | -7.7% | +25.3% | |
| Interest Coverage | -0.07 | 0.06 | 0.08 | -0.06 | -0.11 | -0.16 | -0.27 | -0.33 | -0.43 | -0.43 | -3.98 | 0.43 | 0.82 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 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 -29.5x. The average P/E over the last 2 quarters is 93.4x. 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.