Stocks · Financial Services · Banks - Regional
Flagstar Financial, Inc. FLG
$11.70 +0.09% Close, Oct 2, 2026 · NYSE · Market cap $4.88B
Weak trendHigh risk
Next earnings report: Oct 23, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 1.9% from -14.0% a year earlier.
- The diluted share count rose 14.1% in a year.
- The shares trade at 629.0× trailing earnings, higher than 91% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 5%
- Revenue growth, 3-year CAGRTop 17%
- Revenue growth accelerationTop 24%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 33%
- Gross marginBottom 18%
- Operating marginBottom 13%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Bottom 41%
- Net debt / EBITDA (lower is better)Bottom 2%
- Interest coverBottom 13%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 14%
- Free-cash-flow yieldBottom 27%
- EBITDA / enterprise valueBottom 28%
- Sales / enterprise valueBottom 44%
- P/E vs own 5-year history (lower is better)Bottom 11%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 43%
- 6-month returnBottom 8%
- 1-year return vs S&P 500Bottom 34%
- Distance from 52-week highBottom 20%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 9%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 34%
- Upside to consensus price targetTop 12%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 42%
- Maximum drawdown, 3 yearsBottom 5%
- Beta vs S&P 500 (lower is better)Bottom 23%
- Net debt / EBITDA (lower is better)Bottom 2%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -24.3% | -21.2% | ↑ |
| Gross margin | 29.1% | 45.0% | ↑ |
| Operating margin | -14.0% | 1.9% | ↑ |
| FCF margin | -11.7% | 1.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -21.2% | -24.3% | ↑ | Bottom 5% |
| Gross margin | 45.0% | 29.1% | ↑ | Bottom 18% |
| Operating margin | 1.9% | -14.0% | ↑ | Bottom 13% |
| Net margin | 1.1% | -11.5% | ↑ | — |
| Free-cash-flow margin | 1.8% | -11.7% | ↑ | — |
| Return on invested capital | 0.3% | — | Bottom 33% | |
| Revenue growth, 3-year CAGR | 29.2% | — | Top 17% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 49.16×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.33%
- Net buyback yield (TTM)
- -0.10%
- Shareholder yield
- 0.23%
- Share count change, 1 year
- +14.1%
- Share count change, 3-year CAGR
- +25.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +32.1%
- Average 2-day reaction, last 8
- -0.0%
- Positive 20 days after report
- 2 of 8
Analysts
- Consensus price target
- $17.07
- Target vs current price
- +45.9%
- Analysts with a rating
- 15
- Share rating Buy or Strong Buy
- 60%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | -21.8% | -5.8% | -3.1% | -8.3% | — |
| Apr 24, 2026 | +33.3% | -2.2% | -2.6% | -5.3% | +3.3% |
| Jan 30, 2026 | +200.0% | -2.4% | +2.7% | -6.3% | +3.4% |
| Oct 24, 2025 | -83.3% | +4.8% | -3.1% | -5.4% | +14.6% |
| Jul 25, 2025 | -58.3% | -5.5% | -6.3% | -2.1% | -6.4% |
| Apr 25, 2025 | +11.5% | +4.1% | +4.5% | +4.3% | +8.1% |
| Jan 30, 2025 | +33.3% | +15.2% | +28.0% | +23.3% | +22.2% |
| Oct 25, 2024 | -72.5% | -8.3% | -12.0% | -6.3% | -18.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $0.05 | $0.06 | -21.8% | $516.0M |
| Apr 24, 2026 | $0.04 | $0.03 | +33.3% | $498.0M |
| Jan 30, 2026 | $0.06 | $0.02 | +200.0% | $557.0M |
| Oct 24, 2025 | -$0.11 | -$0.06 | -83.3% | $519.0M |
| Jul 25, 2025 | -$0.19 | -$0.12 | -58.3% | $496.0M |
| Apr 25, 2025 | -$0.23 | -$0.26 | +11.5% | $490.0M |
| Jan 30, 2025 | -$0.34 | -$0.51 | +33.3% | $536.0M |
| Oct 25, 2024 | -$0.69 | -$0.40 | -72.5% | $623.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 629.0× | 7.3× | 91th | Bottom 14% |
| P/E (forward) | 37.0× | — | — | — |
| EV / EBITDA | 72.0× | — | — | Bottom 28% |
| EV / Sales | 3.53× | — | — | Bottom 44% |
| Free-cash-flow yield | 1.62% | — | — | Bottom 27% |
| Earnings yield | 0.16% | — | — | Bottom 14% |
P/E over the past five years
Range 2.4× – 10.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -6.6%
- 200-day average slope (20 days)
- +0.3%
- Distance from 50-day average
- -12.2%
- Distance from 200-day average
- -14.1%
- RSI (14)
- 19.8
- Relative volume
- 0.91×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.3%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.95
- Correlation with S&P 500
- 0.36
- Current drawdown from 1-year high
- -23.8%
- Maximum drawdown, 3 years
- -76.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Oct 21, 2021 | Apr 30, 2024 | -81.2% | 633 days | Not yet recovered |
| Feb 25, 2021 | Jul 19, 2021 | -15.4% | 99 days | 49 days (Sep 27, 2021) |
| Oct 23, 2020 | Nov 6, 2020 | -10.9% | 10 days | 1 days (Nov 9, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.88B
- P/E (TTM)
- 629.0
- EPS, diluted (TTM)
- $0.02
- Revenue (TTM)
- $4.37B
- Dividend yield
- 0.34%
- 52-week range
- $10.57 – $15.44
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.75B | $2.18B | $6.05B | $6.38B | $4.70B |
| Gross profit | $1.35B | $1.35B | $2.80B | $1.49B | $1.77B |
| Operating income | $806.0M | $826.0M | -$50.0M | -$1.38B | -$198.0M |
| Net income | $596.0M | $650.0M | -$79.0M | -$1.12B | -$177.0M |
| EPS (diluted) | $3.59 | $3.77 | -$0.49 | -$3.49 | -$0.51 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.65B | $1.43B | $1.24B | $1.22B | $1.16B | $1.11B | $1.04B | $1.05B |
| Net income | -$280.0M | -$188.0M | -$100.0M | -$70.0M | -$36.0M | $29.0M | $21.0M | $34.0M |
| EPS (diluted) | -$0.79 | -$0.54 | -$0.26 | -$0.19 | -$0.11 | $0.05 | $0.03 | $0.05 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $290.0M | $1.03B | $263.0M | $86.0M | -$534.0M |
| Capital expenditure | -$4.0M | -$3.0M | -$66.0M | -$36.0M | -$67.0M |
| Free cash flow | $286.0M | $1.02B | $197.0M | $50.0M | -$601.0M |
| Dividends paid | -$316.0M | -$317.0M | -$486.0M | -$53.0M | -$15.0M |
| Net share buybacks | -$16.0M | -$24.0M | -$12.0M | $993.0M | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $16.97B
- Total assets
- $87.71B
- Total liabilities
- $79.57B
- Total debt
- $10.94B
- Net debt
- $10.52B
- Shareholders’ equity
- $8.14B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 4, 2026 | $0.01 | Sep 17, 2026 |
| Jun 5, 2026 | $0.01 | Jun 17, 2026 |
| Mar 6, 2026 | $0.01 | Mar 17, 2026 |
| Dec 5, 2025 | $0.01 | Dec 17, 2025 |
| Sep 5, 2025 | $0.01 | Sep 17, 2025 |
| Jun 6, 2025 | $0.01 | Jun 17, 2025 |
| Mar 7, 2025 | $0.01 | Mar 17, 2025 |
| Dec 6, 2024 | $0.01 | Dec 17, 2024 |
Short interest
- Shares sold short
- 39,795,826
- Days to cover
- 10.02
- Change vs previous report
- +5.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 12, 2024
- 1-for-3
- Feb 18, 2004
- 4-for-3
- May 22, 2003
- 4-for-3
- Sep 21, 2001
- 3-for-2
- Mar 30, 2001
- 3-for-2