{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "0ce1c43c-a57a-40d4-9204-fe7236879a11",
    "symbol": "FLG",
    "name": "Flagstar Financial, Inc.",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "0ce1c43c-a57a-40d4-9204-fe7236879a11",
      "symbol": "FLG",
      "name": "Flagstar Financial, Inc.",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "FLG",
    "market_cap": 6227217920.0,
    "market_cap_usd": 5843748010.44,
    "price": 14.94,
    "currency": "USD",
    "dividend_yield": 0.0028,
    "dividend_years": 32,
    "dividend_growth_5y": -0.54450253,
    "dividend_cut_5y": true,
    "payout_ratio": 0.20989999,
    "net_income": -177000000.0,
    "free_cash_flow": -248000000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 1.49625445,
    "revenue_growth_5y": 0.21557442,
    "net_margin": -0.0285,
    "roe": -0.00688,
    "pe_ratio": null,
    "price_vs_ma": 0.12272684,
    "return_3y": -0.4999872,
    "return_5y": -0.47459375,
    "max_drawdown": -0.7835667,
    "scores": {
      "dividend_reliability": 13.0,
      "dividend_sustainability": 8.5,
      "business_quality": 11.5,
      "valuation": 8.0,
      "trend": 5.0,
      "total": 46.0,
      "confidence": 96.0
    },
    "rating": "avoid",
    "rating_label": "Avoid",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/",
      "chart": "https://sharemaestro.com/terminal/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 13.0,
    "dividend_sustainability": 8.5,
    "business_quality": 11.5,
    "valuation": 8.0,
    "trend": 5.0,
    "total": 46.0,
    "confidence": 96.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2026-06-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.01 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.01,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2026-03-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.01 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.01,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2025-12-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.01 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.01,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2025-09-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.01 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.01,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2025-06-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.01 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.01,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2025-03-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.01 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.01,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2024-12-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.01 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.01,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2024-09-06",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "Dividend cut -66.7%",
      "detail": "Payment changed from 0.03 to 0.01.",
      "amount": 0.01,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2024-09-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.01 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.01,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2024-06-07",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "Dividend cut -80.0%",
      "detail": "Payment changed from 0.15 to 0.03.",
      "amount": 0.03,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2024-06-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.03 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.03,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2024-02-13",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "Dividend cut -70.6%",
      "detail": "Payment changed from 0.51 to 0.15.",
      "amount": 0.15,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2024-02-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.15 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.15,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2023-11-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.51 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.51,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2023-08-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "FLG dividend payment 0.51 USD",
      "detail": "Recorded dividend payment for Flagstar Financial, Inc..",
      "amount": 0.51,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2016-02-04",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "Dividend decreased -32.0%",
      "detail": "Payment changed from 0.75 to 0.51.",
      "amount": 0.51,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2004-04-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "Dividend increased 19.0%",
      "detail": "Payment changed from 0.63 to 0.75.",
      "amount": 0.75,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    },
    {
      "event_date": "2004-01-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FLG",
      "exchange": "NYSE",
      "headline": "Dividend increased 12.0%",
      "detail": "Payment changed from 0.5625 to 0.63.",
      "amount": 0.63,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/0ce1c43c-a57a-40d4-9204-fe7236879a11/"
    }
  ]
}