Flagstar Financial Valuation
| FLG Stock | 13.50 0.60 4.26% |
At this time, the firm appears to be undervalued. Flagstar Financial shows a prevailing Real Value of USD15.19 per share. The current price of the firm is USD13.5. Our model computes the value of Flagstar Financial from reviewing the firm fundamentals such as Operating Margin of 0.22 %, current valuation of 12.69 B, and Profit Margin of (0.09) % as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Flagstar Financial's valuation include:
Price Book 0.7721 | Enterprise Value | Price Sales 3.1409 | Forward PE 23.9808 | Enterprise Value Revenue 9.0134 |
Undervalued
Today
Please note that Flagstar Financial's price fluctuation is not too volatile at this time. Calculation of the real value of Flagstar Financial is based on 3 months time horizon. Increasing Flagstar Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Flagstar stock is determined by what a typical buyer is willing to pay for full or partial control of Flagstar Financial. Since Flagstar Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Flagstar Stock. However, Flagstar Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 13.5 | Real 15.19 | Target 14.75 | Hype 13.87 |
The real value of Flagstar Stock, also known as its intrinsic value, is the underlying worth of Flagstar Financial Company, which is reflected in its stock price. It is based on Flagstar Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Flagstar Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Flagstar Financial helps investors to forecast how Flagstar stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Flagstar Financial more accurately as focusing exclusively on Flagstar Financial's fundamentals will not take into account other important factors: When choosing an evaluation method for Flagstar Financial, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
Flagstar Financial Cash |
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Flagstar Financial Total Value Analysis
Flagstar Financial is currently expected to have company total value of 12.69 B with market capitalization of 5.9 B, debt of 12.18 B, and cash on hands of . Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the Flagstar Financial fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
12.69 B | 5.9 B | 12.18 B |
Flagstar Financial Investor Information
About 91.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.77. Some equities with similar Price to Book (P/B) outperform the market in the long run. Flagstar Financial has Price/Earnings To Growth (PEG) ratio of 0.47. The entity recorded a loss per share of 0.5. The firm last dividend was issued on the 6th of March 2026. Flagstar Financial had 1:3 split on the 12th of July 2024. Flagstar Financial is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March.Flagstar Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of Flagstar implies not a very effective usage of assets in February.Flagstar Financial Profitability Analysis
Taking into consideration Flagstar Financial's profitability measurements, Flagstar Financial may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess Flagstar Financial's ability to earn profits and add value for shareholders.Net Loss | First Reported 1993-03-31 | Previous Quarter -36 M | Current Value 29 M | Quarterly Volatility 311.7 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.63 | 0.3761 |
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For Flagstar Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Flagstar Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Flagstar Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Flagstar Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Flagstar Financial over time as well as its relative position and ranking within its peers.
Flagstar Financial Earnings per Share Projection vs Actual
The next projected EPS of Flagstar Financial is estimated to be 0.049 with future projections ranging from a low of 0.01 to a high of 0.09. Flagstar Financial's most recent 12-month trailing earnings per share (EPS TTM) is at -0.5. Please be aware that the consensus of earnings estimates for Flagstar Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.Flagstar Financial Earnings Estimation Breakdown
The calculation of Flagstar Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Flagstar Financial is estimated to be 0.049 with the future projection ranging from a low of 0.01 to a high of 0.09. Please be aware that this consensus of annual earnings estimates for Flagstar Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.01 Lowest | Expected EPS | 0.09 Highest |
Flagstar Financial Earnings Projection Consensus
Suppose the current estimates of Flagstar Financial's value are higher than the current market price of the Flagstar Financial stock. In this case, investors may conclude that Flagstar Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Flagstar Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 17 | 73.74% | 0.06 | 0.049 | -0.5 |
Flagstar Financial Ownership Allocation
Flagstar Financial holds a total of 415.98 Million outstanding shares. The majority of Flagstar Financial outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to obtain positions in Flagstar Financial to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Flagstar Financial. Please pay attention to any change in the institutional holdings of Flagstar Financial as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.Flagstar Financial Profitability Analysis
The company reported the last year's revenue of 4.7 B. Reported Net Loss for the year was (1.12 B) with profit before taxes, overhead, and interest of 1.88 B.Flagstar Financial Past Distributions to stockholders
| 17th of December 2025 | ||
| 17th of September 2025 | ||
| 17th of June 2025 | ||
| 17th of March 2025 | ||
| 17th of December 2024 | ||
| 17th of September 2024 | ||
| 17th of June 2024 | ||
| 28th of February 2024 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Flagstar Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Flagstar Financial and how it compares across the competition.
About Flagstar Financial Valuation
The stock valuation mechanism determines Flagstar Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of Flagstar Financial. We calculate exposure to Flagstar Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Flagstar Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 1.8 B | 946.7 M | |
| Pretax Profit Margin | (0.04) | (0.04) | |
| Operating Profit Margin | (0.04) | (0.04) | |
| Net Loss | (0.04) | (0.04) | |
| Gross Profit Margin | 0.38 | 0.63 |
A single share of Flagstar Financial represents a small ownership stake in the entity. As a stockholder of Flagstar, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Flagstar Financial Dividends Analysis For Valuation
The current Dividends Paid is estimated to decrease to about 96.1 M. The current Dividend Yield is estimated to decrease to 0. The Flagstar Financial's current Price Earnings To Growth Ratio is estimated to increase to 0.35, while Retained Earnings are forecasted to increase to (938.6 M).
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 101.2 M | 96.1 M | |
| Dividend Payout Ratio | (0.09) | (0.09) | |
| Dividend Paid And Capex Coverage Ratio | 0.80 | 0.76 |
There are various types of dividends Flagstar Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Flagstar shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Flagstar Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Flagstar pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Flagstar Financial by the value of the dividends paid out.
Flagstar Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Flagstar Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 415.3 M | |
| Forward Price Earnings | 23.9808 |
Flagstar Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of Flagstar Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Flagstar we look at many different elements of the entity such as Flagstar's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Flagstar Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Flagstar Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Flagstar Financial's worth.Complementary Tools for Flagstar Stock analysis
When running Flagstar Financial's price analysis, check to measure Flagstar Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Flagstar Financial is operating at the current time. Most of Flagstar Financial's value examination focuses on studying past and present price action to predict the probability of Flagstar Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Flagstar Financial's price. Additionally, you may evaluate how the addition of Flagstar Financial to your portfolios can decrease your overall portfolio volatility.
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