Flagstar Financial, Inc. (FLG) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2025, Flagstar Financial reported revenue of $2.06B, down 19.2% from $2.55B the year before. Net income was -$177.0M (a -8.6% net margin), or -$0.50 per diluted share. Net interest income was $1.72B, and the efficiency ratio (noninterest expense / revenue) was 100.7%. Operating activities generated -$181.0M of cash. At fiscal year end, Flagstar Financial held $87.51B in total assets against $79.37B in total liabilities.
Open the full interactive Flagstar Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Flagstar Financial Key Stats
| Share Price | $11.21 |
|---|---|
| Market Cap | $5.31B |
| Revenue YoY Growth | -19.2% |
| 52-Week Range | $10.69 – $15.35 |
| Shares Outstanding | 416.8 million (basic, 2026 Q2) |
Flagstar Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $1.10B | $1.29B | $1.40B | $3.08B | $2.15B | $1.72B |
| Provision for Credit Losses | $62.2M | $3.0M | $133.0M | $833.0M | $1.09B | $184.0M |
| Noninterest Income | $61.1M | $61.0M | $247.0M | $2.69B | $400.0M | $341.0M |
| Noninterest Expense | $511.2M | $541.0M | $684.0M | $4.98B | $2.84B | $2.08B |
| Revenue | $1.16B | $1.35B | $1.64B | $5.76B | $2.55B | $2.06B |
| Pre-Tax Income | $587.8M | $806.0M | $826.0M | -$50.0M | -$1.38B | -$198.0M |
| Income Tax | $76.7M | $210.0M | $176.0M | $29.0M | -$260.0M | -$21.0M |
| Net Income | $511.1M | $596.0M | $650.0M | -$79.0M | -$1.12B | -$177.0M |
| Diluted EPS | $3.06 | $3.60 | $3.78 | -$0.48 | -$3.49 | -$0.50 |
Flagstar Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $519.0M | $557.0M | $498.0M | $516.0M |
| Net Income | -$36.0M | $29.0M | $21.0M | $34.0M |
| Diluted EPS | -$0.11 | $0.07 | $0.03 | $0.06 |
Flagstar Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.95B | $2.21B | $2.03B | $11.47B | $15.43B | — |
| Loans (Net) | $42.69B | $45.54B | $68.61B | $83.63B | $67.07B | $59.70B |
| Total Assets | $56.31B | $59.53B | $90.14B | $114.06B | $100.16B | $87.51B |
| Deposits | $32.44B | $35.06B | $58.72B | $81.53B | $75.87B | $66.00B |
| Total Long-Term Debt | $16.08B | $16.56B | $21.33B | $21.27B | $14.43B | $8.18B |
| Total Liabilities | $49.46B | $52.48B | $81.32B | $105.69B | $91.99B | $79.37B |
| Shareholders' Equity | $6.84B | $7.04B | $8.82B | $8.37B | $8.17B | $8.14B |
Flagstar Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $334.2M | $290.0M | $1.03B | $263.0M | $86.0M | -$181.0M |
| Cash From Investing | -$1.03B | -$2.76B | -$6.32B | $20.67B | $15.45B | $2.69B |
| Cash From Financing | $1.90B | $2.73B | $5.17B | -$11.41B | -$11.59B | -$12.09B |
Figures from Flagstar Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Flagstar Financial financials page for every line item.
Flagstar Financial Company Profile
| Ticker | FLG |
|---|---|
| Exchange | NYSE |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Hicksville, New York |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000910073 |
Frequently Asked Questions
What was Flagstar Financial's revenue in fiscal 2025?
Flagstar Financial (FLG) reported revenue of $2.06B for fiscal 2025.
What is Flagstar Financial's annual revenue history?
Flagstar Financial's annual revenue by fiscal year: 2020: $1.16B; 2021: $1.35B; 2022: $1.64B; 2023: $5.76B; 2024: $2.55B; 2025: $2.06B.
What was Flagstar Financial's net income in fiscal 2025?
Flagstar Financial reported net income of -$177.0M for fiscal 2025.
What was Flagstar Financial's earnings per share (EPS) in fiscal 2025?
Flagstar Financial's diluted EPS was -$0.50 for fiscal 2025 (adjusted for any later stock splits).
What was Flagstar Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Flagstar Financial reported revenue of $516.0M.
How much debt does Flagstar Financial have?
Flagstar Financial reported $8.18B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Flagstar Financial are outstanding?
Flagstar Financial reported a weighted average of 416.8 million basic shares outstanding in 2026 Q2.
What is Flagstar Financial's market cap?
Based on its latest closing price, Flagstar Financial (FLG) has a market capitalization of about $5.31B.
When does Flagstar Financial's fiscal year end?
Flagstar Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Flagstar Financial headquartered?
Flagstar Financial lists its business address in Hicksville, New York in its SEC filings.
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