Discounted Cash Flow
Flagstar Bank, National Association
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $1.4b | $495.4m | $671.5m | 34.6% | $1.01 |
| 2017 | $1.3b (-6.0%) | $466.2m (-5.9%) | $1.3b (93.4%) | 34.6% (0.1%) | $0.90 (-10.9%) |
| 2018 | $1.1b (-16.7%) | $422.4m (-9.4%) | $530.5m (-59.2%) | 37.6% (8.7%) | $0.79 (-12.2%) |
| 2019 | $1.0b (-7.2%) | $395.0m (-6.5%) | $500.5m (-5.7%) | 37.9% (0.8%) | $0.77 (-2.5%) |
| 2020 | $1.2b (11.5%) | $511.1m (29.4%) | $332.9m (-33.5%) | 44.0% (16.1%) | $1.02 (32.5%) |
| 2021 | $1.4b (16.3%) | $596.0m (16.6%) | $286.0m (-14.1%) | 44.1% (0.3%) | $1.20 (17.6%) |
| 2022 | $1.6b (21.7%) | $650.0m (9.1%) | $1.0b (257.7%) | 39.6% (-10.4%) | $1.26 (5.0%) |
| 2023 | $5.8b (250.8%) | $-79.0m (-112.2%) | $197.0m (-80.7%) | -1.4% (-103.5%) | $-0.16 (-112.7%) |
| 2024 | $2.6b (-55.7%) | $-1.1b (-1315.2%) | $50.0m (-74.6%) | -43.8% (-3096.4%) | $-3.49 (-2081.2%) |
| 2025 | $2.1b (-19.2%) | $-177.0m (84.2%) | $-248.0m (-596.0%) | -8.6% (80.4%) | $-0.50 (85.7%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.