New York Community Bancorp, Inc.

NYSE

NYCB_PA

Stock

Yield per half year: 0%
Dividend yield: 8.77%
Sector: Financials

Reporting New York Community Bancorp, Inc.

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	LTM	Average for 5 years	CAGR 5
Revenue, bln $	1.36	1.12	1.03	1.16	1.35	1.48	5.49	5.49	2.10	39.75
Net profit, bln $	0.4662	0.4224	0.395	0.5111	0.596	0.65	2.37	2.37	0.9044	43.10
EV, bln $		16.72	19.66	19.18	20.28	31.14	12.17	12.17	20.49	-9.15
EBIT, bln $		1.22	1.37	1.2	1.21	0.826	2.25	2.25	1.37	10.43
EBITDA, bln $	1.15	1.25	1.4	1.22	1.23	0.849	2.25	2.25	1.39	9.95
OIBDA $			0.6787	0.6886	1.04	1.71	2.13		1.25	25.70
Book value, bln $	0.2379	6.66	6.71	6.84	7.04	8.82	10.82	10.82	8.05	10.03
FCF, bln $	1.3	0.5305	0.5098	0.3342	0.286	1.02	0.165	0.165	0.4630	-20.20
Operating Cash Flow, bln $	1.33	0.5404	0.5098	0.3342	0.29	1.03	0.231	0.231	0.4790	-14.64
Operating profit, bln $	0.6682	0.5577	1.37	1.2	1.21	1.51	2.25	2.25	1.51	10.43
Operating expenses, bln $	1.13	1.22	1.37	0.1244	0.518	0.604	2.09	2.09	0.9413	8.81
CAPEX, bln $	0.0278	0.0098	0.004	0.0013	0.004	0.003	0.066	0.066	0.0157	75.18

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Average for 5 quarters	CAGR 5
Revenue, bln $		0.3753	0.343	0.418	0.652	1.06	1.04	1.45	1.6	1.66	1.53	1.46	8.03
Net profit, bln $		0.171	0.152	0.172	2.01	0.413	0.207	-0.252	-0.327	-0.323	-0.289	-0.1968	-206.90
EV, bln $		15.48	16.34	24.09	5.19	25.01	15.88	12.2	16.74	13.06	1.37	11.85	-38.74
EBIT, bln $		0.335	0.374	0.491	2.49	0.6939	0.545	0.51	-0.145	0.565	-0.335	0.2280	-190.73
EBITDA, bln $		0.339	0.378	0.496	2.5	0.694	0.581	0.556	-0.099	0.598	-0.298	0.2676	-187.50
OIBDA $							0.955	1.36	0.046	1.52	0.864	0.9490	-1.98
Book value, bln $		6.82	6.75	8.82	10.78	11.06	10.99	10.82	8.99	8.66	8.57	9.61	-4.85
FCF, bln $		0.214	0.232	0.396	3.02	-4.65	0.207	0.723	-0.332	0.774	-1.01	0.0724	-237.30
Operating Cash Flow, bln $		0.214	0.232	0.395	3.04	-4.61	0.207	0.747	-0.294	0.796	-1.04	0.0832	-238.11
Operating profit, bln $		0.335	0.374	0.491	2.49	0.694	0.581	0.556	-0.182	0.598	0.873	0.4852	8.48
Operating expenses, bln $		0.134	0.132	0.204	0.394	0.515	0.585	0.596	0.399	0.359	0.286	0.4450	-13.34
CAPEX, bln $	0.001	0.001	0.002	0.001	0.011	0.042	0.011	0.024	0.038	0.022		0.0274	-12.13

	Average for 5 quarters	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	LTM	Average for 5 years	CAGR 5
Cash, bln $	2.53	1.47	0.7419	1.95	2.21	2.03	11.49	11.49	3.68	72.98
Short-Term Investments $		4.38	5.85	5.81	5.78	9.06	9.15	9.15	7.13	9.36
Accounts Receivable $		0.6831	1.27	1.73	1.98	1.68	3.19	3.19	1.97	20.23
Total Current Assets $		44.7	7.87	9.5	9.98	71.03	11.49	11.49	21.97	7.86
Net assets, bln $	6.8	44.7	7.87	9.5	50.79	0.491	22.26	0.491	18.18	23.11
Assets, bln $	49.12	51.9	53.64	56.31	59.53	90.14	116.32	116.32	75.19	16.74
Short-Term Debt $		14.21	4.53	5.81	3.75	10.35	7.42	7.42	6.37	10.37
Long-Term Debt $		0.9542	1.45	16.08	16.56	21.33	13.92	13.92	13.87	57.20
Liabilities, bln $	42.33	45.24	46.93	49.46	52.48	81.32	105.5	105.5	67.14	17.59
Net debt, bln $	9.94	12.23	14.1	14.4	14.6	29.75	9.77	9.77	16.52	-7.07
Debt, bln $	12.46	13.71	14.84	16.35	16.81	31.78	21.27	21.34	20.21	7.46
Interest Expense, bln $	0.4522	0.6587	0.8478	0.6079	0.4	0.696	2.41	2.41	0.9923	23.24
Net interest income, bln $	1.58	1.69	1.81	1.71	1.69	2.09	4.73	4.73	2.41	21.18
Amortization, bln $		0.0323	0.0271	0.0239	0.021	0.023	0.126	0.126	0.0442	35.98
Cost of production, bln $			0.3909	0.3868	0.391	0.446	1.15	1.15	0.5529	24.09
Inventory $		0.0108	0.0123	0.0083	1.98	2.97	14.68	14.68	3.93	312.44

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Average for 5 quarters	CAGR 5
Cash, bln $				3.28	1.7	2.03	22.25	15.81	6.93	11.49	12.89	18.99	23.08	14.68	27.20
Short-Term Investments $				5.66	6.69	9.06	7.6	7.78	8.72	9.15	0.653	1.13	0.468	4.02	-44.29
Accounts Receivable $				1.76	1.7	1.68	3.14	2.99	3.15	3.19	2.99	2.73		3.01	-1.80
Total Current Assets $				47.11	45.84	71.03	22.26	15.81	6.93	11.49	13.34	19.42	22.61	14.76	26.68
Net assets, bln $	6.97	7.04	45.76	47.11	45.84	71.03	0.628	0.66	1.08					23.85	-52.75
Assets, bln $				63.09	62.96	90.14	123.75	118.8	111.23	116.32	112.9	119.06	114.37	114.78	0.56
Short-Term Debt $				14.31	13.8	10.33	0.043	0.026	0.553	7.42	2.01	8.26		3.65	216.52
Long-Term Debt $				14.31	13.8	21.33	21.36	16.41	14.59	13.92	24.77	28.77	20.27	20.46	6.80
Liabilities, bln $				56.27	56.21	81.32	21.36	16.41	14.59	105.5	103.92	110.4	105.8	88.04	48.62
Net debt, bln $				11.26	12.33	19.42	-0.89	0.606	7.66	9.77	14.27	10.34	-2.75	7.86	-181.47
Debt, bln $				14.54	14.03	21.45	21.36	16.44	14.59	21.27	27.16	29.33	20.33	22.54	6.86
Interest Expense, bln $				0.114	0.183	0.302	0.479	0.598	0.63	0.707	0.889	0.991	1.02	0.8474	10.12
Net interest income, bln $		0.42	0.429	0.473	0.509	0.681	1.03	1.5	1.51	1.45	1.51			1.40	7.95
Amortization, bln $					0.004	0.005	0.015	0.000122	0.036	0.046	0.046	0.033	0.037	0.0396	0.55
Cost of production, bln $								0.289	0.346	0.295	0.333	0.312	0.375	0.3322	1.62
Inventory $				0.006	0.005	0.012	25.79	19.22	10.53	14.68	15.88	21.72		16.41	2.48

	Average for 5 quarters	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
EPS	0.9571	0.8669	0.8483	1.1	1.28	4.02	9.98			9.98	3.45	63.73
Share price	13.02	9.94	11.94	10.55	12.21	8.6	30.69	10.81	10.81	10.81	14.62	-2.41
Number of shares, mln		487.29	465.66	463.28	464.05	161.71	237.88			237.88	358.52	-12.57
FCF/share	2.67	1.09	1.09	0.7214	0.6163	6.33	0.6936			0.6936	1.89	-8.64

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Average for 5 quarters	CAGR 5
EPS	0.3663	0.3261	0.3187	2.91	0.5707	0.8567	-1.05	-1.33	-1.1	-0.7882	-0.6823	-198.35
FCF/share	0.4584	0.4978	0.7337	4.39	-6.42	0.8567	3.01	-1.35	2.64	-2.76	0.4793	-226.36

	Average for 5 quarters	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
ROE, %	7.22	6.28	5.91	7.54	8.58	8.19	24.17			21.94	23.21	10.88	32.54
ROA, %	0.9509	0.8363	0.7486	0.9297	1.03	0.8686	2.3			2.04	4.05	1.18	25.17
ROIC, %			5.85	3.28	3.46	2.88					8.08	3.87	-16.24
ROS, %			38.22	44.01	44.15	43.92	43.23	43.23	43.23	43.23	19.27	43.55	-0.42
ROCE, %		15.98	16.79	2.37	2.24	1.03	2.35		20.83	20.83	25.02	5.76	54.45
EBIT margin			50.62	48.9	58.37	55.81	41.05		41.05	41.05	26.44	49.04	-3.44
EBITDA margin	84.91	111.23	135.25	105.02	90.89	57.36	41.05		41.05	41.05	33.23	67.07	-17.13
Net margin	34.32	37.63	38.22	44.01	44.15	43.92	43.23			43.23	19.07	42.71	2.49
Operational efficiency, %			50.62	50.62	59.7	102.03	41.05	41.05	41.05	41.05	29.41	56.98	-7.22

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
ROE, %	2.46	2.2	2.42	25.69	3.73	2.09	-2.36	-3.06	-3.18	-3.02			23.21	-1.9060	-207.64
ROA, %	0.2756	0.2412	0.2247	1.88	0.3477	0.18	-0.2215	-0.2853	-0.2785	-0.2476			4.05	-0.1706	-206.58
ROIC, %					1.98	0.8171	-0.3802	-0.7856	-0.7977	-0.9583			8.08	-0.4209	-203.24
ROS, %					38.93	19.87	-17.42	-20.46	-19.43	-18.84	43.23	43.23	19.27	5.55	-216.14
ROCE, %			1.35	3.33	0.6777	0.6137	0.5493	-0.1595	0.6149	-0.3583	20.83	20.83	25.02	8.35	-364.96
EBIT margin						52.3	35.25	-9.07	34	-21.84	41.05	41.05	26.44	17.04	-235.25
EBITDA margin			118.66	383.59	65.41	55.76	38.42	-6.2	35.98	-19.43	41.05	41.05	33.23	18.49	-245.94
Net margin	45.56	44.31	41.15	307.67	38.93	19.87	-17.42	-20.46	-19.43	-18.84			19.07	-11.2560	-198.94
Operational efficiency, %					65.41	55.76	38.42	-11.39	35.98	56.91	41.05	41.05	29.41	32.72	-229.23

	Industry average	Average for 5 quarters	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
P/E	13.6	10.62	14.07	9.35	9.54	2.14	1.01			1.01	24.94	7.22	-40.95
P/BV		0.6743	0.8284	0.6988	0.807	0.158	0.2216			0.2216	5.58	0.5428	-23.18
P/S	4.67	4	5.38	4.12	4.21	0.9393	0.4367			0.4367	4.64	3.02	-39.48
P/FCF							0	0	0	0	7.97
E/P							0	0	0	0	1.16
EV/EBIT			58.82	33.97	25.73	37.7	5.4	5.4	5.4	5.4	17.10	15.93	-26.82
EV/EBITDA	14.11	13.39	14.06	15.73	16.53	36.68	5.4			5.4	15.46	17.68	-17.42
EV/S			29.78	16.61	15.02	21.04	2.22	2.22	2.22	2.22	5.47	8.54	-31.78
EV/FCF			60.39	57.72	70.89	30.53	73.77	73.77	73.77	73.77	13.05	64.55	0.80
Debt/EBITDA	10.81	10.98	10.62	13.41	13.7	37.43	9.44	9.47	9.47	9.47	9.37	15.90	-7.12
Netdebt/Ebitda			25.62	23.55	17.65	35.04	4.34	4.34	4.34	4.34	3.17	13.14	-24.46
Debt/Ratio			0.112	0.3444	0.3412	0.3526	0.1828	0.1834	0.1834	0.1834	0.20	0.2487	-11.68
Debt/Equity			0.895	2.83	2.88	3.6	1.97	43.46	9.75	9.75	8.96	12.33	27.62
Debt/Net Income			15.21	37.95	34.08	48.89	8.96	8.99	8.99	8.99	25.14	21.98	-23.40
PEG									-0.0527	-0.0527	3.14	-0.0527	0.00
Beta						0	-0.9024	-0.733	0.2148	0	0.90	-0.4735	-161.97
Altman Index						0	0.0822	0.1215	0.1215	0.1215	4.75	0.1084	13.91

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
P/E	9.39	9.51	8.55	6.73	6.39	6.44	2.28	6.3	6.42								24.94	5.57	0.09
P/BV				0.6184	0.5949	0.5291	0.0594	0.2384	0.0851	0.2241	0.2743	0.315	0.4803				5.58	0.2758	41.36
P/S				3.02	2.86	2.83	2.71	4.86	3.76	0.7911	0.5467	0.4138	0.5025				4.64	1.20	-33.14
EV/EBIT									29.13	23.92	-115.44	23.12	-4.09		5.4	5.4	17.10	-17.1220	-154.20
EV/EBITDA				12.47	12.39	15.92	1.4	36.04	3.72	2.82	9.66	7.99	1.81				15.46	5.20	-13.42
EV/S								23.57	15.24	8.43	10.47	7.86	0.8933		2.22	2.22	5.47	4.73	-26.67
EV/FCF								-5.38	76.7	16.87	-50.42	16.88	-1.35		73.77	73.77	13.05	22.53	-207.91
Debt/EBITDA						43.25	8.54	23.69	25.1	38.25	-274.38	49.04	-68.23		9.47	9.47	9.37	-54.9260	-151.00
Netdebt/Ebitda								0.8732	13.18	17.58	-144.18	17.29	9.22		4.34	4.34	3.17	-21.7980	-149.63
Debt/Ratio								0.1384	0.1311	0.1828	0.2406	0.2463	0.1778		0.1834	0.1834	0.20	0.2063	-5.28
Debt/Equity								1.49	1.33	1.97	3.02	3.39	2.37		9.75	9.75	8.96	5.66	26.42
Debt/Net Income								39.8	70.46	-84.39	-83.07	-90.8	-70.36		8.99	8.99	25.14	-45.2500	-164.10
PEG															-0.0527	-0.0527	3.14	-0.0527	0.00
Beta														0.2148	0		0.90	0.2148	0.00
Altman Index														0.1215	0.1215	0.1215	4.75	0.1215	0.00

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
Div. payout, bln	0.3568	0.3659	0.3502	0.3484	0.349	0.35	0.519				0.3		0.3833	8.19
Dividend	0.68	0.68	0.68	0.68	0.68	0.68	2.04	1.68	0.05		0.02		1.03	-40.67
Dividend yield, %	4.23	5.13	6.4	5.7	6.83	5.77	23.21	11.83	6.48		8.77	2.36	10.82	-1.05
Dividends / profit, %		76.53	86.62	88.65	68.17	58.56	53.85	21.86			21.86	43.68	58.22	-24.42
Dividend coverage ratio				1.13	1.46	1.7	1.25			7.91	7.91	4.95	2.69	47.58

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
Div. payout, bln	0.087	0.088	0.088	0.124	0.131	0.002	0.13	0.043	0.02	0.012				0.0414	43.10
Dividends / profit, %	50.88	57.89	51.16	6.18	31.72	0.9662	-51.59	-13.15	-6.19	-4.15			43.68	-14.8228	-233.84
Dividend coverage ratio						103.5	-1.94	-7.6	-16.15	-24.08	7.91	7.91	4.95	-6.4020	-200.80

	Industry average	Average for 5 quarters	CAGR 5

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Other

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	CAGR 5
CAPEX/Revenue, %	0.3869	0.1126	0.2963	0.2022	1.2	25.41

	2023Q3	2023Q4	2024Q1	2024Q2	CAGR 5
CAPEX/Revenue, %	1.06	1.66	2.38	1.32	5.64

	CAGR 5