Financials Flagstar Financial, Inc.

Equities

FLG

US6494454001

Banks

Market Closed - Nyse Other stock markets 04:00:02 2024-12-06 pm EST			5-day change	1st Jan Change
11.43 ^USD	+0.62%		-4.51%	-62.76%

Nov. 08	Tranche Update on Flagstar Financial, Inc.'s Equity Buyback Plan announced on October 24, 2018.	CI
Oct. 29	Deteriorating office loans stress US regional banks' CRE portfolios	RE

Projected Income Statement: Flagstar Financial, Inc.

income-statement-evolution-chart FLAGSTAR-FINANCIAL-INC

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net sales ¹	1,034	1,160	1,350	1,643	5,783	2,560	2,354	2,782
Change	-	12.19%	16.38%	21.7%	251.98%	-55.73%	-8.06%	18.19%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	540.8	646	832	875	3,239	-164.4	186.2	842.6
Change	-	19.45%	28.79%	5.17%	270.17%	-	-	352.54%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	523.3	587.8	806	826	2,406	-1,365	-91.31	549.1
Change	-	12.32%	37.12%	2.48%	191.28%	-	93.31%	-
Net income ¹	362.2	478.3	563	617	2,341	-1,167	-139.9	316.4
Change	-	32.04%	17.71%	9.59%	279.42%	-	88.02%	-
Announcement Date	1/29/20	1/27/21	1/26/22	1/31/23	1/31/24	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2019 Q4	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3
Net sales ¹	260	261.4	281.3	295.7	322.8	332.5	347	333	338	346	377	343	577	2,653	1,202	1,042	886	633	671	623	562.3	556.2	575.8	599.6	616.9	663.2	696.1	722.8
Change	-	0.54%	7.61%	5.12%	9.19%	3.01%	4.35%	-4.03%	1.5%	2.37%	8.96%	-9.02%	68.22%	359.79%	-54.69%	-13.31%	-14.97%	-28.56%	6%	-7.15%	-9.75%	-1.07%	3.51%	4.14%	2.88%	7.52%	4.95%	3.84%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	133.8	131.4	157.7	167.1	189.4	199.7	218	204	210	212	243	211	209	263	509	421	191	98	-	-43	-44.54	-10.28	29.51	65.34	101.3	157.6	195	224.2
Change	-	-1.79%	19.94%	6.02%	13.3%	5.43%	9.18%	-6.42%	2.94%	0.95%	14.62%	-13.17%	-0.95%	25.84%	93.54%	-17.29%	-54.63%	-48.69%	-100%	-	-3.58%	76.92%	-	121.46%	55.02%	55.58%	23.76%	14.94%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	132.1	115.2	140.1	154.1	178.3	196.1	212	199	199	207	230	205	184	2,007	492	268	-361	-381	-424	-335	-233.9	-81.11	-39.33	1.151	31.13	74.86	113.7	160.4
Change	-	-12.78%	21.56%	10.03%	15.71%	9.95%	8.11%	-6.13%	0%	4.02%	11.11%	-10.87%	-10.24%	990.76%	-75.49%	-45.53%	-	5.54%	11.29%	-20.99%	30.18%	65.32%	51.51%	-	2,604.91%	140.49%	51.87%	41.13%
Net income ¹	92.97	92.12	97.14	107.6	181.5	137.4	144	140	142	147	163	144	164	1,998	405	199	-260	-335	-333	-289	-220.3	-99.12	-58.34	-9.814	26.04	41.77	66.58	95.78
Change	-	-0.91%	5.45%	10.73%	68.7%	-24.29%	4.81%	-2.78%	1.43%	3.52%	10.88%	-11.66%	13.89%	1,118.29%	-79.73%	-50.86%	-	28.85%	-0.6%	-13.21%	23.77%	55.01%	41.14%	83.18%	-	60.42%	59.37%	43.87%
Announcement Date	1/29/20	4/29/20	7/29/20	10/28/20	1/27/21	4/26/21	7/28/21	10/27/21	1/26/22	4/27/22	7/27/22	10/26/22	1/31/23	4/28/23	7/27/23	10/26/23	1/31/24	5/1/24	7/25/24	10/25/24	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: Flagstar Financial, Inc.

balance-sheet-analysis-chart FLAGSTAR-FINANCIAL-INC

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	1/29/20	1/27/21	1/26/22	1/31/23	1/31/24	-	-	-

Estimates

Cash Flow Forecast: Flagstar Financial, Inc.

Fiscal Period: December	2018	2021	2022	2023
CAPEX ¹	9.847	4	3	66
Change	-	-	-25%	2,100%
Free Cash Flow (FCF) ¹	-	-	-	-
Change	-	-	-	-
Announcement Date	3/1/19	2/25/22	3/1/23	3/14/24

¹USD in Million

Estimates

Forecast Financial Ratios: Flagstar Financial, Inc.

Fiscal Period: December	2018	2019	2020	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	52.31%	55.69%	61.63%	53.26%	56.01%	-6.42%	7.91%	30.29%
EBT Margin (%)	-	50.61%	50.67%	59.7%	50.27%	41.6%	-53.31%	-3.88%	19.74%
Net margin (%)	-	35.03%	41.23%	41.7%	37.55%	40.48%	-45.6%	-5.94%	11.37%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.76%	0.94%	1.04%	1.01%	2.15%	-0.89%	-0.12%	0.3%
ROE	-	5.88%	7.71%	8.75%	9.38%	23.21%	-12.94%	-1.67%	4.2%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	2.04	2.04	2.04	2.04	1.68	0.112	0.06	0.0578
Change	-	-	0%	0%	0%	-17.65%	-93.33%	-46.43%	-3.7%
Book Value Per Share ¹	-	39.87	40.98	42.21	36.63	42.84	18.93	18.76	19.45
Change	-	-	2.78%	3%	-13.22%	16.95%	-55.82%	-0.88%	3.68%
EPS ¹	-	2.31	3.06	3.6	3.78	9.72	-3.714	-0.3599	0.713
Change	-	-	32.47%	17.65%	5%	157.14%	-138.21%	-90.31%	-298.11%
Nbr of stocks (in thousands)	-	155,784	154,635	155,007	227,045	240,829	415,115	415,115	415,115
Announcement Date	-	1/29/20	1/27/21	1/26/22	1/31/23	1/31/24	-	-	-