What is Flagstar Bank, National Association's earnings per share (EPS)?

Flagstar Bank, National Association (FLG) reported diluted earnings per share of $-0.50 for fiscal year 2025. This represents a 85.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Flagstar Bank, National Association Financials

FLG

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Flagstar Bank, National Association (FLG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Weak

2/9

Flagstar Bank, National Association passes 2 of 9 financial strength tests. 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Low Quality

1.02x

For every $1 of reported earnings, Flagstar Bank, National Association generates $1.02 in operating cash flow (-$181.0M OCF vs -$177.0M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$4.5B

YoY-25.0%

5Y CAGR+189.4%

10Y CAGR+10.2%

Flagstar Bank, National Association generated $4.5B in revenue in fiscal year 2025. This represents a decrease of 25.0% from the prior year.

EBITDA

N/A

Net Income

-$177.0M

YoY+84.2%

Flagstar Bank, National Association reported -$177.0M in net income in fiscal year 2025. This represents an increase of 84.2% from the prior year.

EPS (Diluted)

$-0.50

YoY+85.7%

Flagstar Bank, National Association earned $-0.50 per diluted share (EPS) in fiscal year 2025. This represents an increase of 85.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$6.0B

YoY-61.3%

5Y CAGR+25.1%

10Y CAGR+27.2%

Flagstar Bank, National Association held $6.0B in cash against $8.2B in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.04

YoY-80.0%

Flagstar Bank, National Association paid $0.04 per share in dividends in fiscal year 2025. This represents a decrease of 80.0% from the prior year.

Shares Outstanding

416M

YoY+0.3%

5Y CAGR-2.2%

10Y CAGR-1.5%

Flagstar Bank, National Association had 416M shares outstanding in fiscal year 2025. This represents an increase of 0.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-4.0%

YoY+14.8pp

5Y CAGR-2326.7pp

10Y CAGR-1.2pp

Flagstar Bank, National Association's net profit margin was -4.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 14.8 percentage points from the prior year.

Return on Equity

-2.2%

YoY+11.5pp

5Y CAGR-9.6pp

10Y CAGR-1.4pp

Flagstar Bank, National Association's ROE was -2.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 11.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

FLG Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$4.5B-25.0%	$6.0B+8.4%	$5.5B+20237.0%	$27.0M+17.4%	$23.0M+4.5%	$22.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$307.0M-40.2%	$513.0M+31.9%	$389.0M+146.2%	$158.0M+24.4%	$127.0M+2.4%	$124.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$2.7B-27.8%	$3.8B+57.5%	$2.4B+246.8%	$696.0M+74.0%	$400.0M-34.2%	$608.0M
Income Tax	-$21.0M+91.9%	-$260.0M-996.6%	$29.0M-83.5%	$176.0M-16.2%	$210.0M+172.7%	$77.0M
Net Income	-$177.0M+84.2%	-$1.1B-1315.2%	-$79.0M-112.2%	$650.0M+9.1%	$596.0M+16.6%	$511.0M
EPS (Diluted)	$-0.50+85.7%	$-3.49-612.2%	$-0.49-113.0%	$3.77+214.2%	$1.20+17.6%	$1.02

Metric	Q4'25	Q3'25	Q2'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	N/A	$1.1B-3.7%	$1.1B-15.8%	$1.4B-11.5%	$1.5B-0.9%	$1.5B+2.3%	$1.5B+4.6%	$1.4B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	$153.0M+15.0%	$133.0M+241.5%	-$94.0M-150.0%	$188.0M+2.7%	$183.0M-22.5%	$236.0M+423.3%	-$73.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$676.0M-6.6%	$724.0M-19.3%	$897.0M-12.4%	$1.0B+3.3%	$991.0M+11.5%	$889.0M+25.7%	$707.0M
Income Tax	N/A	-$5.0M+54.5%	-$11.0M+78.0%	-$50.0M+9.1%	-$55.0M+45.5%	-$101.0M-87.0%	-$54.0M+51.8%	-$112.0M
Net Income	N/A	-$36.0M+48.6%	-$70.0M+62.8%	-$188.0M+32.9%	-$280.0M+13.3%	-$323.0M+1.2%	-$327.0M+87.9%	-$2.7B
EPS (Diluted)	N/A	$-0.11+42.1%	$-0.19	N/A	$-0.79+30.7%	$-1.14-153.3%	$-0.45	N/A

FLG Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$87.5B-12.6%	$100.2B-12.2%	$114.1B+26.5%	$90.1B+51.4%	$59.5B+5.7%	$56.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$6.0B-61.3%	$15.4B+34.5%	$11.5B+464.7%	$2.0B-8.1%	$2.2B+13.5%	$1.9B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$0	$0-100.0%	$2.4B0.0%	$2.4B0.0%	$2.4B
Total Liabilities	$79.4B-13.7%	$92.0B-13.0%	$105.7B+30.0%	$81.3B+54.9%	$52.5B+6.1%	$49.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$8.2B-29.9%	$11.7B-45.1%	$21.3B-0.3%	$21.3B	N/A	N/A
Total Equity	$8.1B-0.3%	$8.2B-2.4%	$8.4B-5.2%	$8.8B+25.3%	$7.0B+3.0%	$6.8B
Retained Earnings	-$988.0M-29.5%	-$763.0M-272.2%	$443.0M-57.4%	$1.0B+40.5%	$741.0M+50.0%	$494.0M

Metric	Q4'25	Q3'25	Q2'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$87.5B-4.5%	$91.7B-0.6%	$92.2B-7.9%	$100.2B-12.4%	$114.4B-3.9%	$119.1B+5.5%	$112.9B-1.0%	$114.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$6.0B-29.5%	$8.5B+4.8%	$8.1B-47.5%	$15.4B-33.1%	$23.1B+21.5%	$19.0B+47.3%	$12.9B+12.3%	$11.5B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	$0	N/A	N/A	N/A	$0
Total Liabilities	$79.4B-5.0%	$83.6B-0.7%	$84.1B-8.5%	$92.0B-13.0%	$105.8B-4.2%	$110.4B+6.2%	$103.9B-1.7%	$105.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$8.2B-37.9%	$13.2B0.0%	$13.2B+12.9%	$11.7B-42.6%	$20.3B-29.6%	$28.9B+8.1%	$26.7B+25.7%	$21.3B
Total Equity	$8.1B+0.4%	$8.1B+0.2%	$8.1B-0.9%	$8.2B-4.7%	$8.6B+2.1%	$8.4B+0.1%	$8.4B+0.3%	$8.4B
Retained Earnings	-$988.0M+1.8%	-$1.0B-5.1%	-$957.0M-25.4%	-$763.0M-35.8%	-$562.0M-108.1%	-$270.0M-469.9%	$73.0M-83.5%	$443.0M

FLG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$181.0M-310.5%	$86.0M-67.3%	$263.0M-74.4%	$1.0B+253.8%	$290.0M-13.2%	$334.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$2.7B-82.6%	$15.5B-25.3%	$20.7B+426.9%	-$6.3B-128.9%	-$2.8B-169.5%	-$1.0B
Financing Cash Flow	-$12.1B-4.3%	-$11.6B-1.6%	-$11.4B-320.8%	$5.2B+89.0%	$2.7B+44.2%	$1.9B
Dividends Paid	$15.0M-71.7%	$53.0M-89.1%	$486.0M+53.3%	$317.0M+0.3%	$316.0M0.0%	$316.0M
Share Buybacks	N/A	$0	$0-100.0%	$7.0M	$0-100.0%	$50.0M

Metric	Q4'25	Q3'25	Q2'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	-$189.0M-177.8%	$243.0M	N/A	$623.0M+160.0%	-$1.0B-230.5%	$796.0M+370.7%	-$294.0M-137.7%	$779.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$1.8B+133.3%	$757.0M	N/A	$4.5B-54.7%	$9.8B+1347.1%	-$788.0M-140.2%	$2.0B+213.0%	-$1.7B
Financing Cash Flow	-$4.2B-579.6%	-$612.0M	N/A	-$12.7B-170.0%	-$4.7B-178.0%	$6.0B+2537.2%	-$247.0M-104.5%	$5.4B
Dividends Paid	$3.0M-25.0%	$4.0M	N/A	$5.0M+66.7%	$3.0M-91.9%	$37.0M+362.5%	$8.0M-93.4%	$122.0M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0

FLG Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-4.0%+14.8pp	-18.8%-17.3pp	-1.4%-2408.8pp	2407.4%-183.9pp	2591.3%+268.6pp	2322.7%
Return on Equity	-2.2%+11.5pp	-13.7%-12.8pp	-0.9%-8.3pp	7.4%-1.1pp	8.5%+1.0pp	7.5%
Return on Assets	-0.2%+0.9pp	-1.1%-1.1pp	-0.1%-0.8pp	0.7%-0.3pp	1.0%+0.1pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.00-0.4	1.43-1.1	2.54+0.1	2.42-5.0	7.45+0.2	7.23
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	-3.3%+2.8pp	-6.1%+7.7pp	-13.8%+4.4pp	-18.3%+2.6pp	-20.9%+0.7pp	-21.6%+165.3pp	-186.9%
Return on Equity	N/A	-0.4%+0.4pp	-0.9%+1.4pp	-2.3%+1.0pp	-3.3%+0.6pp	-3.9%+0.1pp	-3.9%+28.4pp	-32.3%
Return on Assets	N/A	-0.0%+0.0pp	-0.1%+0.1pp	-0.2%+0.0pp	-0.2%+0.0pp	-0.3%+0.0pp	-0.3%+2.1pp	-2.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.00-0.6	1.630.0	1.63+0.2	1.43-0.9	2.37-1.1	3.44+0.3	3.19+0.6	2.54
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Flagstar Bank, National Association's annual revenue?

Flagstar Bank, National Association (FLG) reported $4.5B in total revenue for fiscal year 2025. This represents a -25.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Flagstar Bank, National Association's revenue growing?

Flagstar Bank, National Association (FLG) revenue declined by 25% year-over-year, from $6.0B to $4.5B in fiscal year 2025.

Is Flagstar Bank, National Association profitable?

No, Flagstar Bank, National Association (FLG) reported a net income of -$177.0M in fiscal year 2025, with a net profit margin of -4.0%.

How much debt does Flagstar Bank, National Association have?

As of fiscal year 2025, Flagstar Bank, National Association (FLG) had $6.0B in cash and equivalents against $8.2B in long-term debt.

What is Flagstar Bank, National Association's net profit margin?

Flagstar Bank, National Association (FLG) had a net profit margin of -4.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Flagstar Bank, National Association pay dividends?

Yes, Flagstar Bank, National Association (FLG) paid $0.04 per share in dividends during fiscal year 2025.

What is Flagstar Bank, National Association's return on equity (ROE)?

Flagstar Bank, National Association (FLG) has a return on equity of -2.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Flagstar Bank, National Association's operating cash flow?

Flagstar Bank, National Association (FLG) generated -$181.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Flagstar Bank, National Association's total assets?

Flagstar Bank, National Association (FLG) had $87.5B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Flagstar Bank, National Association have outstanding?

Flagstar Bank, National Association (FLG) had 416M shares outstanding as of fiscal year 2025.

What is Flagstar Bank, National Association's debt-to-equity ratio?

Flagstar Bank, National Association (FLG) had a debt-to-equity ratio of 1.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Flagstar Bank, National Association's return on assets (ROA)?

Flagstar Bank, National Association (FLG) had a return on assets of -0.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Flagstar Bank, National Association's cash runway?

Based on fiscal year 2025 data, Flagstar Bank, National Association (FLG) had $6.0B in cash against an annual operating cash burn of $181.0M. This gives an estimated cash runway of approximately 396 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is Flagstar Bank, National Association's Piotroski F-Score?

Flagstar Bank, National Association (FLG) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Flagstar Bank, National Association's earnings high quality?

Flagstar Bank, National Association (FLG) has an earnings quality ratio of 1.02x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.