Demonstrações financeiras detalhadas de Flagstar Financial, Inc. (FLG): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Flagstar Financial, Inc. registou receitas de $4.70B no último exercício, com um CAGR de 5 anos de 21.6%.
Margens dos últimos 12 meses: margem bruta 45.0%, margem operacional 1.9%, margem líquida 1.1%.
Ao preço atual de $12.58, FLG negocia a um P/L de 359.81 e um ROE de 0.59%. A capitalização de mercado é de $5.2B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $1.83B | $1.82B | $1.78B | $1.89B | $1.77B | $1.75B | $2.18B | $6.05B | $6.38B | $4.70B |
| Custo da Receita | $391.7M | $489.5M | $676.9M | $855.0M | $670.0M | $403.0M | $829.0M | $3.25B | $4.89B | $2.93B |
| Lucro Bruto | $1.43B | $1.33B | $1.10B | $1.03B | $1.10B | $1.35B | $1.35B | $2.80B | $1.49B | $1.77B |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $545.7M | $561.2M | $446.5M | $422.0M | $425.0M | $430.0M | $512.0M | $1.90B | $2.38B | $1.18B |
| Despesas Operacionais | $657.8M | $660.4M | $546.6M | $511.0M | $511.0M | $541.0M | $523.0M | $2.85B | $2.87B | $1.96B |
| Lucro Operacional | $777.1M | $668.2M | $557.7M | $523.0M | $588.0M | $806.0M | $826.0M | -$50.0M | -$1.38B | -$198.0M |
| EBITDA | $812.3M | $701.2M | $590.0M | $550.0M | $612.0M | $827.0M | $849.0M | $115.0M | -$1.19B | -$50.0M |
| Despesas com Juros | $387.5M | $452.2M | $658.7M | $848.0M | $608.0M | $400.0M | $696.0M | $2.41B | $3.80B | $2.75B |
| Lucro Antes de Impostos | $777.1M | $668.2M | $557.7M | $523.0M | $588.0M | $806.0M | $826.0M | -$50.0M | -$1.38B | -$198.0M |
| Imposto | $281.7M | $202.0M | $135.3M | $128.0M | $77.0M | $210.0M | $176.0M | $29.0M | -$260.0M | -$21.0M |
| Lucro Líquido | $495.4M | $466.2M | $422.4M | $395.0M | $511.0M | $596.0M | $650.0M | -$79.0M | -$1.12B | -$177.0M |
| LPA | $3.04 | $2.70 | $2.37 | $2.31 | $3.06 | $3.59 | $3.78 | $-0.49 | $-3.49 | $-0.51 |
| LPA Diluído | $3.04 | $2.70 | $2.37 | $2.31 | $3.06 | $3.59 | $3.77 | $-0.49 | $-3.49 | $-0.51 |
| Ações em Circulação (Diluídas) | $161.7M | $162.4M | $162.4M | $155.2M | $154.4M | $154.7M | $161.7M | $237.9M | $330.7M | $415.3M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $1.16B | $1.11B | $1.04B | $1.05B |
| Lucro Bruto | $447.0M | $520.0M | $498.0M | $498.0M |
| Lucro Operacional | -$41.0M | $45.0M | $32.0M | $48.0M |
| EBITDA | -$4.0M | $80.0M | $67.0M | $71.0M |
| Lucro Líquido | -$36.0M | $29.0M | $21.0M | $34.0M |
| LPA | $-0.11 | $0.05 | $0.03 | $0.06 |
| LPA Diluído | $-0.11 | $0.05 | $0.03 | $0.05 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $557.9M | $2.53B | $1.47B | $741.9M | $1.95B | $2.21B | $2.03B | $11.47B | $15.43B | $553.0M |
| Investimentos de Curto Prazo | $104.3M | $2.27B | $4.38B | $4.48B | $4.54B | $4.61B | $8.63B | $9.14B | $10.40B | $15.70B |
| Contas a Receber | $802.9M | $662.6M | $683.1M | $1.27B | $1.74B | $1.80B | $1.68B | $3.19B | $2.12B | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.47B | $5.46B | $6.54B | $6.49B | $8.22B | $8.62B | $12.34B | $23.81B | $27.95B | $16.25B |
| Imobilizado | $373.7M | $368.7M | $346.2M | $598.8M | $554.0M | $270.0M | $491.0M | $652.0M | $562.0M | $477.0M |
| Ágio | $2.44B | $2.44B | $2.44B | $2.43B | $2.43B | $2.43B | $2.43B | 0 | 0 | 0 |
| Ativos Intangíveis | $234.2M | $6.1M | $780000 | 0 | 0 | 0 | $1.32B | $1.74B | $514.0M | $381.0M |
| Ativos Totais | $48.93B | $49.12B | $51.90B | $53.64B | $56.31B | $59.53B | $90.14B | $114.06B | $100.16B | $87.51B |
| Contas a Pagar | 0 | 0 | 0 | 0 | $19.0M | $18.0M | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $1.65B | $450.0M | $500.0M | $800.0M | $800.0M | $4.55B | $10.32B | $7.35B | $3.75B | 0 |
| Passivos Circulantes | $30.54B | $29.55B | $31.26B | $32.46B | $33.26B | $39.63B | $69.05B | $88.88B | $79.62B | $30.29B |
| Dívida de Longo Prazo | $12.02B | $12.46B | $13.71B | $13.76B | $15.28B | $15.76B | $21.33B | $21.27B | $10.68B | $12.18B |
| Passivos Totais | $42.80B | $42.33B | $45.24B | $46.93B | $49.46B | $52.48B | $81.32B | $105.69B | $91.99B | $79.37B |
| Reservas | $128.4M | $237.9M | $297.2M | $342.0M | $494.0M | $741.0M | $1.04B | $443.0M | -$763.0M | -$988.0M |
| Patrimônio Líquido | $6.12B | $6.80B | $6.66B | $6.71B | $6.84B | $7.04B | $8.82B | $8.37B | $8.17B | $8.14B |
| Dívida Total | $13.67B | $12.91B | $14.21B | $14.84B | $16.35B | $20.56B | $31.66B | $28.62B | $14.43B | $12.18B |
| Dívida Líquida | $13.01B | $8.12B | $8.35B | $9.62B | $9.87B | $13.74B | $21.00B | $8.00B | -$11.41B | -$4.07B |
| Capital de Giro | -$29.07B | -$24.09B | -$24.72B | -$25.96B | -$25.04B | -$31.01B | -$56.71B | -$65.07B | -$51.67B | -$14.04B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $8.48B | $553.0M | $401.0M | $416.0M |
| Ativos Totais | $91.67B | $87.51B | $87.13B | $87.71B |
| Passivos Totais | $83.56B | $79.37B | $79.01B | $79.57B |
| Patrimônio Líquido | $8.11B | $8.14B | $8.12B | $8.14B |
| Dívida Total | $13.18B | $12.18B | $11.19B | $10.94B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $495.4M | $466.2M | $422.4M | $395.0M | $511.0M | $596.0M | $650.0M | -$79.0M | -$1.12B | -$177.0M |
| Depreciação e Amortização | $35.2M | $33.0M | $32.3M | $27.0M | $24.0M | $21.0M | $23.0M | $165.0M | $184.0M | 0 |
| Compensação em Ações | $32.7M | $36.0M | $36.3M | $32.0M | $29.0M | $31.0M | $29.0M | $47.0M | $54.0M | 0 |
| Variação Capital de Giro | -$4.32B | -$1.20B | -$23.4M | -$45.0M | -$521.0M | -$342.0M | $395.0M | -$944.0M | $43.0M | -$437.0M |
| Fluxo de Caixa Operacional | $755.7M | $1.33B | $540.4M | $510.0M | $334.0M | $290.0M | $1.03B | $263.0M | $86.0M | -$534.0M |
| CapEx | -$84.2M | -$27.8M | -$9.8M | 0 | 0 | -$4.0M | -$3.0M | -$66.0M | -$36.0M | -$67.0M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | $331.0M | $24.90B | 0 | 0 |
| Recompra de Ações | -$8.7M | -$18.5M | -$163.2M | -$75.0M | -$59.0M | -$16.0M | -$24.0M | -$12.0M | -$11.0M | 0 |
| Dividendos Pagos | -$330.8M | -$356.8M | -$365.9M | -$350.0M | -$349.0M | -$349.0M | -$350.0M | -$519.0M | -$88.0M | -$48.0M |
| Fluxo de Caixa Livre | $671.5M | $1.30B | $530.5M | $510.0M | $334.0M | $286.0M | $1.02B | $197.0M | $50.0M | -$601.0M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $243.0M | -$178.0M | -$133.0M | $241.0M |
| CapEx | -$10.0M | -$38.0M | -$20.0M | -$26.0M |
| Fluxo de Caixa Livre | $233.0M | -$216.0M | -$153.0M | $215.0M |
| Dividendos Pagos | -$13.0M | -$11.0M | -$13.0M | -$12.0M |
| Compensação em Ações | $17.0M | 0 | 0 | $33.0M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | -0.5% | -2.0% | +6.1% | -6.4% | -1.1% | +24.5% | +177.6% | +5.6% | -26.5% |
| Crescimento Lucro Líquido (anual) | | -5.9% | -9.4% | -6.5% | +29.4% | +16.6% | +9.1% | -112.2% | -1315.2% | +84.2% |
| Crescimento LPA (anual) | | -11.2% | -12.2% | -2.5% | +32.5% | +17.3% | +5.3% | -113.0% | -612.2% | +85.4% |
| Variação de Ações (anual) | | +0.4% | +0.0% | -4.4% | -0.5% | +0.2% | +4.5% | +47.1% | +39.0% | +25.6% |
| Crescimento FCF (anual) | | +93.4% | -59.2% | -3.9% | -34.5% | -14.4% | +257.7% | -80.7% | -74.6% | -1302.0% |
| Margem Bruta | 78.6% | 73.1% | 62.0% | 54.7% | 62.1% | 77.0% | 61.9% | 46.3% | 23.4% | 37.6% |
| Margem Operacional | 42.5% | 36.8% | 31.3% | 27.7% | 33.2% | 46.1% | 37.9% | -0.8% | -21.6% | -4.2% |
| Margem EBITDA | 44.5% | 38.6% | 33.1% | 29.1% | 34.6% | 47.3% | 39.0% | 1.9% | -18.7% | -1.1% |
| Margem Líquida | 27.1% | 25.6% | 23.7% | 20.9% | 28.9% | 34.1% | 29.8% | -1.3% | -17.5% | -3.8% |
| Margem FCF | 36.8% | 71.4% | 29.8% | 27.0% | 18.9% | 16.3% | 47.0% | 3.3% | 0.8% | -12.8% |
| Taxa Efetiva de Imposto | 36.3% | 30.2% | 24.3% | 24.5% | 13.1% | 26.1% | 21.3% | -58.0% | 18.9% | 10.6% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $4.15 | $8.00 | $3.27 | $3.29 | $2.16 | $1.85 | $6.33 | $0.83 | $0.15 | $-1.45 |
| Dividendo por Ação | $2.05 | $2.20 | $2.25 | $2.25 | $2.26 | $2.26 | $2.16 | $2.18 | $0.27 | $0.12 |
| Ações em Circulação (Básicas) | $161.7M | $162.4M | $162.4M | $155.1M | $154.2M | $154.7M | $161.2M | $237.9M | $320.3M | $415.3M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 0.59% |
| Retorno sobre capital investido | 0.27% |
| Retorno sobre ativos | 0.05% |
| Margem bruta | 44.96% |
| Margem operacional | 1.92% |
| Margem líquida | 1.10% |
Saúde financeira
| Dívida / Patrimônio | 1.34 |
| Liquidez corrente | 0.00 |
| Piotroski F-Score | 3 |
| Altman Z-Score | -0.12 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 15.70 | 14.47 | 11.91 | 15.61 | 10.34 | 10.20 | 6.83 | -63.73 | -2.67 | -24.69 |
| P/VP | 1.26 | 0.93 | 0.69 | 0.83 | 0.71 | 0.80 | 0.47 | 0.89 | 0.37 | 0.64 |
| P/V | 4.23 | 3.49 | 2.57 | 2.96 | 2.76 | 3.24 | 1.91 | 1.23 | 0.47 | 1.11 |
| Margem Bruta | 78.6% | 73.1% | 62.0% | 54.7% | 62.1% | 77.0% | 61.9% | 46.3% | 23.4% | 37.6% |
| Margem Operacional | 42.5% | 36.8% | 31.3% | 27.7% | 33.2% | 46.1% | 37.9% | -0.8% | -21.6% | -4.2% |
| Margem Líquida | 27.1% | 25.6% | 23.7% | 20.9% | 28.9% | 34.1% | 29.8% | -1.3% | -17.5% | -3.8% |