FLG Valuation

Flagstar Financial Inc

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11.300

+0.11(0.983%)1D

Overview
Forecast
Valuation
Earnings

FLG Relative Valuation

FLG's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, FLG is overvalued; if below, it's undervalued.

Historical Valuation

Flagstar Financial Inc (FLG) is now in the Undervalued zone, suggesting that its current forward PS ratio of 2.03 is considered Undervalued compared with the five-year average of 149.90. The fair price of Flagstar Financial Inc (FLG) is between 13.90 to 15.59 according to relative valuation methord. Compared to the current price of 11.27 USD , Flagstar Financial Inc is Undervalued By 18.94%.

Relative Value

Fair Zone

13.90-15.59

Current Price：11.27

18.94%

Undervalued

69.20

Trailing

Forward

0.00

EV/EBITDA

Flagstar Financial Inc. (FLG) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Flagstar Financial Inc. (FLG) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.04

Flagstar Financial Inc. (FLG) has a current PS of 2.04. The 5-year average PS is 2.05. The thresholds are as follows: Strongly Undervalued below 1.67, Undervalued between 1.67 and 1.86, Fairly Valued between 2.24 and 1.86, Overvalued between 2.24 and 2.42, and Strongly Overvalued above 2.42. The current Forward PS of 2.04 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Flagstar Financial Inc. (FLG) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Flagstar Financial Inc. (FLG) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Flagstar Financial Inc (FLG) has a current Price-to-Book (P/B) ratio of 0.61. Compared to its 3-year average P/B ratio of 0.60 , the current P/B ratio is approximately 2.71% higher. Relative to its 5-year average P/B ratio of 0.60, the current P/B ratio is about 2.71% higher. Flagstar Financial Inc (FLG) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 0.14%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 0.14% , the current FCF yield is about -100.00% lower.

0.61

P/B

Median3y

0.60

Median5y

0.60

0.00

FCF Yield

Median3y

0.14

Median5y

0.14

Competitors Valuation Multiple

The average P/S ratio for FLG's competitors is 4.43, providing a benchmark for relative valuation. Flagstar Financial Inc Corp (FLG) exhibits a P/S ratio of 2.04, which is -53.89% above the industry average. Given its robust revenue growth of -28.66%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

FLG.N

Flagstar Financial Inc

Provident Financial Services Inc

Northwest Bancshares Inc

Columbia Financial Inc

6.43

19.12%

1.50B

Performance Decomposition

Market capitalization of FLG increased by 4.44% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -3.31 to -6.72.

The secondary factor is the Revenue Growth, contributed -28.66%to the performance.

Overall, the performance of FLG in the past 1 year is driven by P/E Change. Which is more unsustainable.

-28.66%

642.00M → 458.00M

Revenue Growth

-69.63%

-50.31 → -15.28

Margin Expansion

102.73%

-3.31 → -6.72

P/E Change

4.44%