$1.7 B

FBC Mkt cap, 15-Oct-2018

$553 M

Flagstar Bancorp Revenue Q2, 2018
Flagstar Bancorp Gross profit (Q2, 2018)455 M
Flagstar Bancorp Gross profit margin (Q2, 2018), %82.3%
Flagstar Bancorp Net income (Q2, 2018)85 M
Flagstar Bancorp EBIT (Q2, 2018)222 M
Flagstar Bancorp Cash, 30-Jun-2018359 M

Flagstar Bancorp Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

839.0m646.6m355.0m904.0m

Revenue growth, %

(23%)(45%)155%

Cost of goods sold

144.0m39.3m68.0m94.0m137.0m

Gross profit

695.0m607.4m287.0m810.0m

Gross profit Margin, %

83%94%81%90%

Sales and marketing expense

299.0m

General and administrative expense

103.0m

Operating expense total

643.0m

EBIT

(149.3m)114.7m240.0m323.0m390.0m

EBIT margin, %

(18%)18%68%36%

Pre tax profit

(149.3m)240.0m258.0m211.0m

Income tax expense

(416.2m)(34.0m)82.0m87.0m148.0m

Net Income

267.0m(69.5m)158.0m171.0m63.0m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018Q2, 2018

Revenue

213.1m141.3m174.4m160.3m216.0m219.0m206.0m227.0m262.0m210.0m245.0m263.0m553.0m

Cost of goods sold

36.1m8.2m9.5m10.7m14.4m17.0m18.0m22.0m22.0m26.0m27.0m32.0m46.0m98.0m

Gross profit

177.0m133.2m164.9m149.6m199.0m201.0m184.0m205.0m236.0m183.0m213.0m217.0m455.0m

Gross profit Margin, %

83%94%95%93%92%92%89%90%90%87%87%83%82%

Sales and marketing expense

61.6m65.6m55.2m53.5m60.8m59.0m58.0m68.0m66.0m69.0m72.0m71.0m80.0m160.0m

General and administrative expense

18.6m20.4m19.4m20.5m19.9m20.0m20.0m22.0m21.0m21.0m22.0m25.0m30.0m60.0m

Operating expense total

158.4m139.3m121.4m179.4m137.0m138.0m131.0m137.0m139.0m142.0m140.0m154.0m173.0m350.0m

EBIT

42.7m58.2m56.3m56.3m64.9m86.0m74.0m79.0m77.0m80.0m83.0m97.0m106.0m222.0m

EBIT margin, %

20%41%32%35%40%34%38%34%31%40%40%40%40%

Pre tax profit

(118.4m)74.0m71.0m60.0m69.0m87.0m40.0m60.0m44.0m106.0m

Income tax expense

(40.0m)11.9m(10.3m)18.2m28.0m24.0m21.0m22.0m30.0m13.0m19.0m9.0m21.0m

Net Income

14.3m(78.4m)25.5m(27.6m)31.5m46.0m47.0m39.0m47.0m57.0m27.0m41.0m35.0m85.0m

Flagstar Bancorp Balance Sheet

Annual

USDFY, 2015FY, 2016FY, 2017

Cash

208.0m158.0m204.0m

Accounts Receivable

Inventories

PP&E

250.0m275.0m330.0m

Total Assets

13.7b14.1b16.9b

Accounts Payable

8.8b8.9b

Short-term debt

Long-term debt

247.0m

Total Liabilities

12.7b15.5b

Additional Paid-in Capital

1.5b1.5b1.5b

Retained Earnings

(227.0m)(161.0m)(98.0m)

Total Equity

1.5b1.3b1.4b

Financial Leverage

9 x10.5 x12.1 x

Quarterly

USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018Q2, 2018

Cash

246.0m195.0m724.0m184.0m174.0m161.0m183.0m243.0m359.0m

PP&E

240.0m243.0m256.0m259.0m271.0m277.0m299.0m348.0m355.0m

Total Assets

12.1b12.5b13.7b13.7b14.3b15.4b16.0b17.7b18.1b

Accounts Payable

7.6b8.1b8.5b8.6b9.4b8.6b8.7b10.0b10.6b

Long-term debt

283.0m279.0m2.9b

Total Debt

283.0m279.0m2.9b

Total Liabilities

10.7b11.0b12.2b12.1b13.0b14.0b14.6b16.3b16.7b

Additional Paid-in Capital

1.5b1.5b1.5b1.5b1.5b1.5b1.5b1.5b1.5b

Retained Earnings

(307.0m)(260.0m)(188.0m)(141.0m)(189.0m)(134.0m)(93.0m)(58.0m)(8.0m)

Total Equity

1.5b1.5b1.6b1.6b1.3b1.4b1.4b1.4b1.5b

Financial Leverage

8.4 x8.3 x8.8 x8.6 x11.1 x11.2 x11.3 x12.4 x12.3 x

Flagstar Bancorp Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

267.0m(69.5m)158.0m171.0m63.0m

Depreciation and Amortization

24.0m32.0m40.0m

Accounts Receivable

(1.0m)(11.0m)

Inventories

Accounts Payable

Cash From Operating Activities

(672.3m)(9.5b)(16.4b)

Cash From Investing Activities

5.9b16.2b22.5b

Cash From Financing Activities

3.7b109.0m2.8b

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018Q2, 2018

Net Income

25.5m(27.6m)31.5m78.0m125.0m39.0m86.0m143.0m27.0m

Depreciation and Amortization

11.0m17.0m7.0m16.0m24.0m

Accounts Receivable

2.0m1.0m1.0m

Cash From Operating Activities

(5.0b)(7.1b)(1.9b)(5.2b)(10.1b)(5.2b)(12.0b)(6.2b)(11.8b)

Cash From Investing Activities

2.9b4.6b2.5b5.3b9.7b3.9b10.1b6.1b11.5b

Short-term Borrowings

(666.0m)(1.0b)

Long-term Borrowings

(55.0m)

Cash From Financing Activities

2.2b2.5b(94.0m)(205.0m)345.0m1.4b1.9b201.0m519.0m

Flagstar Bancorp Ratios

USDY, 2018

Financial Leverage

12.3 x
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Flagstar Bancorp Operating Metrics

Flagstar Bancorp's Total Loans was reported to be $9.5b in FY, 2016.
FY, 2014FY, 2015FY, 2016

Bank Branches

130 114 120

Non-performing Loans

$74 m$31 m$22 m

Total Loans

$6.52 b$9.23 b$9.47 b
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