FLG Flagstar Bank National Association margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 63

Gross margin

100%

Operating margin

4.1%

EBITDA margin

11%

Net margin

2.4%

The Flagstar Bank National Association reports a gross margin of 100%, an operating margin of 4.1%, an EBITDA margin of 11%, and a net margin of 2.4%. Operating margin improved by 49.6 percentage points, while other available margins were unchanged.

FLG margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Flagstar Bank National Association's margins averaged 100% gross, -74.46% operating, -65.48% EBITDA, and -67.15% net. For Flagstar Bank National Association, operating, EBITDA, and net margins are above their three-year averages.

FLG margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 49.6 percentage points, EBITDA margin by 46.5 percentage points, and net margin by 39.8 percentage points. Gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

49.6pp

EBITDA margin expansion

46.5pp

Net margin expansion

39.8pp

FLG Gross margin

Flagstar Bank National Association's gross margin averaged 100% over the last 3 years. Compared with its three-year average, Flagstar Bank National Association's current gross margin is 100% and is in line with its three-year average. Over the last 3 years, Flagstar Bank National Association's gross margin peaked at 100% in Jun 2026 and reached a low of 100% in Dec 2023.

FLG Operating margin

Across the last 3 years, Flagstar Bank National Association's operating margin stood at -74.46%. The current operating margin stands at 4.1%, 78.6 percentage points above its three-year average. Operating margin was highest at 4.1% in Jun 2026 and lowest at -305.6% in Sep 2024.

FLG EBITDA margin

Flagstar Bank National Association's EBITDA margin averaged -65.48% over the last 3 years. Flagstar Bank National Association's current EBITDA margin is 11% and is 76.5 percentage points above its three-year average. Over the last 3 years, Flagstar Bank National Association's EBITDA margin peaked at 11% in Jun 2026 and reached a low of -291.3% in Sep 2024.

FLG Net margin

Flagstar Bank National Association's net margin averaged -67.15% over the last 3 years. Against its three-year average, Flagstar Bank National Association's net margin is currently 2.4%, 69.6 percentage points above its three-year average. Over the last 3 years, Flagstar Bank National Association's net margin peaked at 2.4% in Jun 2026 and reached a low of -280.7% in Sep 2024.

FLG margin group comparison

Margins compared with peer-group, industry and sector averages

Flagstar Bank National Association's gross margin of 100% is higher than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 83.4%, Flagstar Bank National Association's gross margin is 20% higher.

FLG margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Flagstar Bank National Association's gross margin?

The current gross margin for FLG is 100% as of Jun 30, 2026.

What is Flagstar Bank National Association's operating margin?

As of Jun 30, 2026, FLG has an operating margin of 4.1%.

What is Flagstar Bank National Association's EBITDA margin?

As of Jun 30, 2026, FLG has an EBITDA margin of 11%.

What is Flagstar Bank National Association's net margin?

The current net margin for FLG is 2.4% as of Jun 30, 2026.

What are the average margins of FLG?

Over the past 3 years, FLG reported average margins of 100.0% gross, -74.5% operating, -65.5% EBITDA, and -67.2% net.

What are the highest historical margins of FLG?

Within the 5-year period, FLG recorded its highest margins at 100% gross in Jun 2026, 72% operating in Mar 2023, 73.2% EBITDA in Mar 2023, and 68.6% net in Mar 2023.

What are the lowest historical margins of FLG?

Over the last 5 years, Flagstar Bank National Association's lowest margins were 100% gross in Dec 2021, -305.6% operating in Sep 2024, -291.3% EBITDA in Sep 2024, and -280.7% net in Sep 2024.