Flagstar Financial, Inc. cash flow to debt ratio of -4.38% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Flagstar Financial, Inc.'s free cash flow has decreased 1.30K% from $50.00M last year to $-601.00M, signaling decreasing performance

Flagstar Financial, Inc.'s debt to equity ratio is 1.34, which means that the company's assets are unhealthy financed, signaling financial risk.

Flagstar Financial, Inc.'s debt has decreased relative to shareholder equity from 1.77 last year to 1.34 today, signaling strengthened financials

Flagstar Financial, Inc. has a net cash position, so leverage is healthy.

Flagstar Financial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Flagstar Financial, Inc.'s profit margin has increased (-106.28%) in the last year from -17.51% to 1.10%, signaling increasing performance

Flagstar Financial, Inc.'s short-term liabilities of $30.29B exceed its short-term assets of $16.25B, signaling financial risk

Flagstar Financial, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

Flagstar Financial, Inc.'s return on equity of 0.59%, is lower than 15.00%, indicating bad performance

Flagstar Financial, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Flagstar Financial, Inc. had positive net income in only 2 out of 5 years, indicating unstable earnings

Flagstar Financial, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

Flagstar Financial, Inc. has negative free cash flow, indicating cash burn

Flagstar Financial, Inc.'s yearly earnings has increased -84.17% since last year from $-1.12B to $-177.00M, signaling increasing performance

Flagstar Financial, Inc.'s yearly revenue has decreased 30.04% since last year from $6.38B to $4.47B, signaling decreasing performance

ROIC 0.27% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Flagstar Financial, Inc.'s 3-year revenue CAGR of 29.18% is positive, indicating growing revenue over the past 3 years

Flagstar Financial, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Flagstar Financial, Inc. had positive ROE in only 2 out of 5 years, indicating inconsistent returns on equity

Flagstar Financial, Inc. has insufficient data to evaluate this check.

Flagstar Financial, Inc. has an earnings yield of 0.82%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

Flagstar Financial, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Flagstar Financial, Inc. has negative or missing EBITDA, making EV/EBITDA ratio unreliable

Flagstar Financial, Inc. is overvalued relative to its fair value price of -1.81 based on Earnings Fair Value model

Flagstar Financial, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Flagstar Financial, Inc. has a price-to-book ratio of 0.72x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Flagstar Financial, Inc. has a price-to-sales ratio of 1.34x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue