Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $32.7M | $31.8M | $29.8M | $29.0M | $22.0M | $23.0M | $27.0M | — | — | — |
| Revenue growth | — | -2.8% | -6.3% | -2.6% | -24.1% | 4.5% | 17.4% | — | — | — |
| Net income | $495M | $466M | $422M | $395M | $511M | $596M | $650M | -$79.0M | -$1.12B | -$177M |
| Net margin | 1516.6% | 1467.9% | 1419.2% | 1362.1% | 2322.7% | 2591.3% | 2407.4% | — | — | — |
| EPS (diluted) | $1.01 | $0.90 | $0.79 | $0.77 | $1.02 | $1.20 | $3.77 | -$0.49 | -$3.49 | -$0.50 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $756M | $1.33B | $540M | $510M | $334M | $290M | $1.03B | $263M | $86.0M | -$181M |
| Capital expenditures | $84.2M | $27.8M | $9.85M | — | — | — | — | — | — | — |
| Free cash flow | $671M | $1.30B | $531M | — | — | — | — | — | — | — |
| Share buybacks | $8.68M | $18.5M | $161M | $67.0M | $50.0M | $0.00 | $7.00M | $0.00 | $0.00 | — |
| Dividends paid | $331M | $332M | $333M | $317M | $316M | $316M | $317M | $486M | $53.0M | $15.0M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $558M | $2.53B | $1.47B | $742M | $1.95B | $2.21B | $2.08B | $11.6B | $15.6B | $5.98B |
| Total assets | $48.9B | $49.1B | $51.9B | $53.6B | $56.3B | $59.5B | $90.1B | $114B | $100B | $87.5B |
| Total liabilities | $42.8B | $42.3B | $45.2B | $46.9B | $49.5B | $52.5B | $81.3B | $106B | $92.0B | $79.4B |
| Long-term debt | — | — | — | — | — | — | $21.3B | $21.3B | $11.7B | $8.18B |
| Shareholders' equity | $6.12B | $6.80B | $6.66B | $6.71B | $6.84B | $7.04B | $8.82B | $8.37B | $8.17B | $8.14B |
| Retained earnings | $128M | $238M | $297M | $342M | $494M | $741M | $1.04B | $443M | -$763M | -$988M |
| Shares (wtd avg diluted) | 485M | 487M | 487M | 466M | 463M | 465M | 162M | 238M | 331M | 415M |
Every figure is extracted from FLAGSTAR BANK, NATIONAL ASSOCIATION’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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