Flagstar Financial, Inc. (FLG)vsItau Unibanco Banco Holding SA (ITUB)
FLG
Flagstar Financial, Inc.
$13.27
+0.99%
FINANCIAL SERVICES · Cap: $5.47B
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 7299% more annual revenue ($138.95B vs $1.88B). ITUB leads profitability with a 32.3% profit margin vs -9.4%. FLG appears more attractively valued with a PEG of 0.47. ITUB earns a higher WallStSmart Score of 76/100 (B+).
FLG
Buy59
out of 100
Grade: C
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for FLG.
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 21.8%
15.4% revenue growth
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Areas to Watch
0.0% earnings growth
ROE of -2.2% — below average capital efficiency
Negative free cash flow — burning cash
Currently unprofitable
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FLG
The strongest argument for FLG centers on PEG Ratio, Price/Book, Operating Margin. Revenue growth of 15.4% demonstrates continued momentum. PEG of 0.47 suggests the stock is reasonably priced for its growth.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : FLG
The primary concerns for FLG are EPS Growth, Return on Equity, Free Cash Flow.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
FLG profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
FLG carries more volatility with a beta of 1.08 — expect wider price swings.
FLG is growing revenue faster at 15.4% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 59/100), backed by strong 32.3% margins and 11.0% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Flagstar Financial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Flagstar Financial, Inc. is the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company is headquartered in Hicksville, New York.
Visit Website →Itau Unibanco Banco Holding SA
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
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