Flagstar Financial, Inc. (FLG)vsItau Unibanco Banco Holding SA (ITUB)
FLG
Flagstar Financial, Inc.
$14.02
-0.64%
FINANCIAL SERVICES · Cap: $6.23B
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 6932% more annual revenue ($138.19B vs $1.97B). ITUB leads profitability with a 33.3% profit margin vs -2.9%. FLG appears more attractively valued with a PEG of 0.47. ITUB earns a higher WallStSmart Score of 74/100 (B).
FLG
Buy59
out of 100
Grade: C
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 21.2% year-over-year
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
0.0% earnings growth
Elevated debt levels
ROE of -0.7% — below average capital efficiency
Negative free cash flow — burning cash
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FLG
The strongest argument for FLG centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 21.2% 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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : FLG
The primary concerns for FLG are EPS Growth, Debt/Equity, Return on Equity.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
FLG profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
FLG carries more volatility with a beta of 1.03 — expect wider price swings.
FLG is growing revenue faster at 21.2% — sustainability is the question.
FLG generates stronger free cash flow (-153M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 59/100), backed by strong 33.3% margins. 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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