FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG)
Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014
Balance Sheet Date2025-Dec-312025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302019-Dec-312019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q4-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue557,000,000$519,000,000$496,000,000$490,000,000$625,000,000$623,000,000$671,000,000$633,000,000$867,000,000$1,042,000,000$1,202,000,000$2,653,000,000$577,000,000$343,000,000$377,000,000$346,000,000$338,000,000$333,000,000$347,000,000$332,000,000$323,000,000$296,000,000$281,000,000$261,366,000$259,302,000$260,301,000$255,287,000$266,110,000$270,309,000$272,428,000$286,661,000$293,155,000$296,317,000$385,271,000$338,206,000$327,089,000$347,894,000$359,018,000$362,939,000$363,103,000$(390,161,000$)316,999,000$346,998,000$345,002,000$354,161,000$330,315,000$336,085,000$321,385,000$
QoQ%7.32%4.64%1.22%(21.60%).32%(7.15%)6.00%(26.99%)(16.80%)(13.31%)(54.69%)359.79%68.22%(9.02%)8.96%2.37%1.50%(4.04%)4.52%2.79%9.12%5.34%7.51%.80%(.38%)1.96%(4.07%)(1.55%)(.78%)(4.97%)(2.22%)(1.07%)(23.09%)13.92%3.40%(5.98%)(3.10%)(1.08%)(.05%)193.07%(223.08%)(8.65%).58%(2.59%)7.22%(1.72%)4.57%(4.39%)
YoY%(10.88%)(16.69%)(26.08%)(22.59%)(27.91%)(40.21%)(44.18%)(76.14%)50.26%203.79%218.83%666.76%70.71%3.00%8.65%4.22%4.64%12.50%23.49%27.03%24.57%13.72%10.07%(1.78%)(4.07%)(4.45%)(10.95%)(9.23%)(8.78%)(29.29%)(15.24%)(10.38%)(14.83%)7.31%(6.82%)(9.92%)189.17%13.26%4.59%5.25%(210.17%)(4.03%)3.25%7.35%5.36%(4.24%)(4.96%)(8.37%)
Cost Of Revenue3,000,000$38,000,000$64,000,000$79,000,000$145,000,000$242,000,000$390,000,000$315,000,000$552,000,000$62,000,000$49,000,000$170,000,000$124,000,000$2,000,000$9,000,000$(2,000,000$)4,000,000$(1,000,000$)(4,000,000$)4,000,000$11,000,000$13,000,000$18,000,000$20,601,000$1,597,000$4,781,000$1,844,000$(1,222,000$)2,770,000$1,201,000$4,714,000$9,571,000$2,926,000$0$(6,261,000$)(4,008,000$)3,516,000$0$0$0$0$0$334,000$7,000$0$0$188,000$0$
Gross Profit554,000,000$481,000,000$432,000,000$411,000,000$480,000,000$381,000,000$281,000,000$318,000,000$315,000,000$980,000,000$1,153,000,000$2,483,000,000$453,000,000$341,000,000$368,000,000$348,000,000$334,000,000$334,000,000$351,000,000$328,000,000$312,000,000$283,000,000$263,000,000$240,765,000$257,705,000$255,520,000$253,443,000$267,332,000$267,539,000$271,227,000$281,947,000$283,584,000$293,391,000$385,271,000$344,467,000$331,097,000$344,378,000$359,018,000$362,939,000$363,103,000$(390,161,000$)316,999,000$346,664,000$344,995,000$354,161,000$330,315,000$335,897,000$321,385,000$
Gross Margin99.46%92.68%87.10%83.88%76.80%61.16%41.88%50.24%36.33%94.05%95.92%93.59%78.51%99.42%97.61%100.58%98.82%100.30%101.15%98.80%96.59%95.61%93.59%92.12%99.38%98.16%99.28%100.46%98.98%99.56%98.36%96.74%99.01%100.00%101.85%101.23%98.99%100.00%100.00%100.00%100.00%100.00%99.90%100.00%100.00%100.00%99.94%100.00%
Operating Expenses509,000,000$522,000,000$513,000,000$532,000,000$718,000,000$716,000,000$705,000,000$699,000,000$3,132,000,000$712,000,000$661,000,000$476,000,000$204,000,000$132,000,000$134,000,000$134,000,000$128,000,000$129,000,000$129,000,000$132,000,000$133,000,000$129,000,000$123,000,000$125,522,000$125,879,000$123,302,000$123,052,000$138,767,000$134,946,000$134,433,000$138,142,000$139,107,000$148,484,000$162,210,000$163,735,000$166,789,000$163,733,000$158,932,000$159,055,000$156,389,000$163,735,000$146,028,000$150,585,000$155,252,000$146,238,000$143,176,000$145,754,000$144,002,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses591,000,000$676,000,000$724,000,000$754,000,000$897,000,000$1,024,000,000$991,000,000$889,000,000$707,000,000$630,000,000$598,000,000$479,000,000$302,000,000$183,000,000$114,000,000$97,000,000$98,000,000$97,000,000$100,000,000$105,000,000$118,000,000$136,000,000$157,000,000$196,575,000$208,453,000$218,636,000$216,062,000$204,849,000$195,636,000$175,638,000$153,377,000$134,027,000$119,396,000$117,332,000$111,306,000$104,202,000$99,828,000$97,673,000$94,042,000$95,944,000$873,703,000$137,138,000$136,523,000$136,145,000$139,121,000$138,042,000$134,390,000$131,161,000$
Income Before Tax45,000,000$(41,000,000$)(81,000,000$)(121,000,000$)(238,000,000$)(335,000,000$)(424,000,000$)(381,000,000$)(2,817,000,000$)268,000,000$492,000,000$2,007,000,000$184,000,000$205,000,000$230,000,000$207,000,000$199,000,000$199,000,000$212,000,000$196,000,000$179,000,000$154,000,000$140,000,000$115,243,000$131,826,000$132,218,000$130,391,000$128,565,000$132,593,000$136,794,000$143,805,000$144,477,000$144,907,000$178,452,000$180,702,000$164,154,000$173,776,000$197,388,000$201,133,000$204,831,000$(693,625,000$)178,719,000$194,734,000$188,159,000$206,250,000$189,065,000$188,061,000$189,690,000$
Tax Expenses16,000,000$(5,000,000$)(11,000,000$)(21,000,000$)(50,000,000$)(55,000,000$)(101,000,000$)(54,000,000$)(112,000,000$)61,000,000$79,000,000$1,000,000$12,000,000$53,000,000$59,000,000$52,000,000$49,000,000$50,000,000$60,000,000$51,000,000$(11,000,000$)38,000,000$35,000,000$14,915,000$30,695,000$33,172,000$33,145,000$30,988,000$30,854,000$30,022,000$36,451,000$37,925,000$8,386,000$67,984,000$65,447,000$60,197,000$60,043,000$72,089,000$74,673,000$74,922,000$(288,818,000$)64,031,000$71,030,000$68,900,000$75,053,000$68,807,000$69,373,000$74,436,000$
Net Income29,000,000$(36,000,000$)(70,000,000$)(100,000,000$)(188,000,000$)(280,000,000$)(323,000,000$)(327,000,000$)(2,705,000,000$)207,000,000$413,000,000$2,006,000,000$172,000,000$152,000,000$171,000,000$155,000,000$150,000,000$149,000,000$151,404,000$145,000,000$190,000,000$116,000,000$104,672,000$100,328,000$101,131,000$99,046,000$97,246,000$97,577,000$101,739,000$106,772,000$107,354,000$106,552,000$136,521,000$110,468,000$115,255,000$103,957,000$113,733,000$125,299,000$126,460,000$129,909,000$(404,807,000$)114,688,000$123,704,000$119,259,000$131,197,000$120,258,000$118,688,000$115,254,000$
Profit Margin5.21%(6.94%)(14.11%)(20.41%)(30.08%)(44.94%)(48.14%)(51.66%)(312.00%)19.87%34.36%75.61%29.81%44.32%45.36%44.80%44.38%44.75%43.63%43.68%58.82%39.19%37.25%38.39%39.00%38.05%38.09%36.67%37.64%39.19%37.45%36.35%46.07%28.67%34.08%31.78%32.69%34.90%34.84%35.78%103.75%36.18%35.65%34.57%37.04%36.41%35.32%35.86%
TTM(8.58%)(18.50%)(28.56%)(36.99%)(43.81%)(130.10%)(97.98%)(64.42%)(1.37%)51.11%57.45%63.32%39.56%44.73%44.84%44.38%44.10%47.60%46.41%45.10%44.00%38.46%38.15%38.38%37.94%37.61%37.90%37.74%37.63%39.81%36.54%35.71%34.61%31.71%33.40%33.61%34.57%(3.33%)(5.17%)(5.73%)(7.62%)35.86%35.92%35.84%36.17%35.83%34.99%34.82%
Earnings to Minority8,000,000$9,000,000$8,000,000$8,000,000$8,000,000$9,000,000$10,000,000$8,000,000$8,000,000$8,000,000$8,000,000$8,000,000$8,000,000$8,000,000$8,000,000$8,000,000$8,000,000$9,000,000$7,404,000$8,000,000$8,000,000$9,000,000$7,672,000$8,207,000$8,379,000$8,207,000$8,207,000$8,207,000$8,207,000$8,207,000$8,207,000$8,207,000$8,207,000$8,207,000$8,207,000$819,000$3,795,000$973,000$983,000$979,000$(2,594,000$)834,000$911,000$872,000$925,000$851,000$852,000$796,000$
Earnings to Common Shareholders21,000,000$(45,000,000$)(78,000,000$)(108,000,000$)(196,000,000$)(289,000,000$)(333,000,000$)(335,000,000$)(2,713,000,000$)199,000,000$405,000,000$1,998,000,000$164,000,000$144,000,000$163,000,000$147,000,000$142,000,000$140,000,000$144,000,000$137,000,000$182,000,000$107,000,000$97,000,000$92,121,000$92,752,000$90,839,000$89,039,000$89,370,000$93,532,000$98,565,000$99,147,000$98,345,000$128,314,000$102,261,000$107,048,000$103,957,000$113,733,000$125,299,000$126,460,000$128,930,000$(402,213,000$)113,854,000$122,793,000$118,387,000$130,272,000$119,407,000$117,836,000$114,458,000$
QoQ%146.67%42.31%27.78%44.90%32.18%13.21%.60%87.65%(1,463.32%)(50.86%)(79.73%)1,118.29%13.89%(11.66%)10.88%3.52%1.43%(2.78%)5.11%(24.73%)70.09%10.31%5.30%(.68%)2.11%2.02%(.37%)(4.45%)(5.11%)(.59%).82%(23.36%)25.48%(4.47%)2.97%(8.60%)(9.23%)(.92%)(1.92%)132.06%(453.27%)(7.28%)3.72%(9.12%)9.10%1.33%2.95%(4.14%)
YoY%110.71%84.43%76.58%67.76%92.78%(245.23%)(182.22%)(116.77%)(1,754.27%)38.19%148.47%1,259.18%15.49%2.86%13.19%7.30%(21.98%)30.84%48.45%48.72%96.22%17.79%8.94%3.08%(.83%)(7.84%)(10.20%)(9.13%)(27.11%)(3.61%)(7.38%)(5.40%)12.82%(18.39%)(15.35%)(19.37%)128.28%10.05%2.99%8.91%(408.75%)(4.65%)4.21%3.43%9.11%5.23%(3.20%)(2.56%)
Earnings Per Share, Basic0.05$(0.11$)(0.19$)(0.26$)(0.47$)(0.79$)(1.14$)(1.36$)12.50$0.83$1.68$2.91$(0.22$)0.31$0.35$0.32$0.31$0.30$0.31$0.30$0.39$0.23$0.21$0.20$0.20$0.20$0.19$0.19$0.19$0.20$0.20$0.20$0.26$0.21$0.22$0.21$0.23$0.26$0.26$0.27$(0.86$)0.26$0.28$0.27$0.30$0.27$0.27$0.26$
Earnings Per Share, Diluted0.05$(0.11$)(0.19$)(0.26$)(0.47$)(0.79$)(1.14$)(1.36$)12.35$0.82$1.68$2.90$(0.22$)0.31$0.35$0.32$0.31$0.30$0.31$0.30$0.39$0.23$0.21$0.20$0.20$0.20$0.19$0.19$0.19$0.20$0.20$0.20$0.26$0.21$0.22$0.21$0.23$0.26$0.26$0.27$(0.86$)0.26$0.28$0.27$0.30$0.27$0.27$0.26$
Unlevered FCF Per Share, Basic(0.45$)0.58$0.86$(1.42$)1.50$(2.83$)2.72$(1.19$)(3.59$)4.38$(19.13$)4.40$(0.53$)0.50$0.46$0.40$0.46$0.13$(0.24$)0.27$0.20$0.20$0.04$0.28$0.37$0.17$0.22$0.34$0.66$(0.26$)0.30$0.02$1.59$
Unlevered FCF Per Share, Diluted(0.45$)0.58$0.86$(1.42$)1.50$(2.83$)2.72$(1.19$)(3.55$)4.36$(19.09$)4.39$(0.53$)0.50$0.46$0.39$0.46$0.13$(0.24$)0.27$0.20$0.20$0.04$0.28$0.37$0.17$0.22$0.34$0.66$(0.26$)0.30$0.02$1.59$
Average Shares, Basic415,797,458415,563,380415,125,228414,824,158416,411,478366,637,882293,122,116246,682,592-216,970,515240,828,836240,754,856686,911,555-751,259,986465,115,180465,811,096465,138,238464,029,454464,047,337464,092,947463,292,906461,712,902461,780,959461,933,533464,993,970465,317,426465,357,326465,351,586465,493,702484,004,519488,476,340488,530,527488,140,102487,227,341487,274,303487,282,404486,511,756485,339,224485,352,998485,303,073484,605,397468,509,682442,707,699442,721,173441,990,338441,099,197441,127,550441,155,063440,570,598
Average Shares, Diluted415,797,458415,563,380415,125,228414,824,158416,411,478366,637,882293,122,116246,682,592-219,626,840241,637,630241,242,331688,271,611-751,995,396466,094,357466,800,072465,946,763464,867,452464,881,949464,894,538463,886,937462,577,657462,645,814462,489,493465,412,644465,742,189465,776,000465,641,437465,493,702484,004,519488,476,340488,530,527488,140,102487,227,341487,274,303487,282,404486,511,756485,339,224485,352,998485,303,073484,605,397468,509,682442,707,699442,721,173441,990,338441,099,197441,127,550441,155,063440,570,598
EBIT636,000,000$635,000,000$643,000,000$633,000,000$659,000,000$689,000,000$567,000,000$508,000,000$(2,110,000,000$)898,000,000$1,090,000,000$2,486,000,000$486,000,000$388,000,000$344,000,000$304,000,000$297,000,000$296,000,000$312,000,000$301,000,000$297,000,000$290,000,000$297,000,000$311,818,000$340,279,000$350,854,000$346,453,000$333,414,000$328,229,000$312,432,000$297,182,000$278,504,000$264,303,000$295,784,000$292,008,000$268,356,000$273,604,000$295,061,000$295,175,000$300,775,000$180,078,000$315,857,000$331,257,000$324,304,000$345,371,000$327,107,000$322,451,000$320,851,000$
EBITDA636,000,000$635,000,000$643,000,000$633,000,000$659,000,000$689,000,000$567,000,000$508,000,000$(2,110,000,000$)898,000,000$1,090,000,000$2,486,000,000$486,000,000$388,000,000$344,000,000$304,000,000$297,000,000$296,000,000$312,000,000$301,000,000$297,000,000$290,000,000$297,000,000$311,818,000$340,279,000$350,854,000$346,453,000$333,414,000$328,229,000$312,432,000$297,182,000$278,504,000$264,303,000$295,784,000$292,008,000$268,356,000$273,604,000$295,061,000$295,175,000$300,775,000$180,078,000$315,857,000$331,257,000$324,304,000$345,371,000$327,107,000$322,451,000$320,851,000$