FLG
Flagstar Financial, Inc.
Banks - Regional
Market Cap$5.94B
5Y Perf.-52.6%
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Stock Comparison
FLG vs PFSI
Revenue, margins, valuation, and 5-year total return — side by side.
PFSI
PennyMac Financial Services, Inc.
Financial - Mortgages
Market Cap$4.62B
5Y Perf.+164.0%
FLG vs PFSI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FLG | PFSI |
|---|---|---|
| Industry | Banks - Regional | Financial - Mortgages |
| Market Cap | $5.94B | $4.62B |
| Revenue (TTM) | $4.70B | $4.36B |
| Net Income (TTM) | $-177M | $507M |
| Gross Margin | 37.6% | 91.4% |
| Operating Margin | -4.2% | 34.6% |
| Forward P/E | 31.7x | 7.2x |
| Total Debt | $12.18B | $23.06B |
| Cash & Equiv. | $553M | $302M |
FLG vs PFSI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FLG
PFSI
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Flagstar Financial,… (FLG) | 100 | 47.4 | -52.6% |
| PennyMac Financial … (PFSI) | 100 | 264.0 | +164.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FLG vs PFSI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PFSI leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Flagstar Financial, Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
FLG
Flagstar Financial, Inc.
The Banking Pick
FLG is the clearest fit if your priority is sleep-well-at-night.
- Lower volatility, beta 1.01, current ratio 0.54x
- Efficiency ratio 0.4% vs PFSI's 0.6% (lower = leaner)
- +18.8% vs PFSI's -8.0%
Best for: sleep-well-at-night
PFSI
PennyMac Financial Services, Inc.
The Banking Pick
PFSI carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 2 yrs, beta 0.93, yield 1.3%
- Rev growth 173.8%, EPS growth 59.2%
- 6.0% 10Y total return vs FLG's -32.1%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PFSI | 173.8% NII/revenue growth vs FLG's -26.5% |
| Value | PFSI | Lower P/E (7.2x vs 31.7x) |
| Quality / Margins | FLG | Efficiency ratio 0.4% vs PFSI's 0.6% (lower = leaner) |
| Stability / Safety | PFSI | Beta 0.93 vs FLG's 1.01 |
| Dividends | PFSI | 1.3% yield, 2-year raise streak, vs FLG's 0.3% |
| Momentum (1Y) | FLG | +18.8% vs PFSI's -8.0% |
| Efficiency (ROA) | FLG | Efficiency ratio 0.4% vs PFSI's 0.6% |
FLG vs PFSI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
FLG vs PFSI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPFSILAGGINGFLG
FLGFlagstar Financial, I…
0leads
PFSIPennyMac Financial Se…
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6 Total Categories
CATEGORYLEADERvs FLGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PFSI3/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PFSI5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
PFSI4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
PFSI2/2
Income & Cash Flow (Last 12 Months)
PFSI leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FLG and PFSI operate at a comparable scale, with $4.7B and $4.4B in trailing revenue. PFSI is the more profitable business, keeping 11.5% of every revenue dollar as net income compared to FLG's -3.8%.
| Metric | FLGFlagstar Financia… | PFSIPennyMac Financia… |
|---|---|---|
| RevenueTrailing 12 months | $4.7B | $4.4B |
| EBITDAEarnings before interest/tax | -$85M | $1.0B |
| Net IncomeAfter-tax profit | -$177M | $507M |
| Free Cash FlowCash after capex | -$237M | -$3.8B |
| Gross MarginGross profit ÷ Revenue | +37.6% | +91.4% |
| Operating MarginEBIT ÷ Revenue | -4.2% | +34.6% |
| Net MarginNet income ÷ Revenue | -3.8% | +11.5% |
| FCF MarginFCF ÷ Revenue | -12.8% | -32.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +108.5% | +7.7% |
PFSI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
Evenly matched — FLG and PFSI each lead in 2 of 4 comparable metrics.
Valuation Metrics
| Metric | FLGFlagstar Financia… | PFSIPennyMac Financia… |
|---|---|---|
| Market CapShares × price | $5.9B | $4.6B |
| Enterprise ValueMkt cap + debt − cash | $17.6B | $27.4B |
| Trailing P/EPrice ÷ TTM EPS | -28.02x | 9.53x |
| Forward P/EPrice ÷ next-FY EPS est. | 31.68x | 7.17x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 18.11x |
| Price / SalesMarket cap ÷ Revenue | 1.27x | 1.06x |
| Price / BookPrice ÷ Book value/share | 0.73x | 1.11x |
| Price / FCFMarket cap ÷ FCF | — | — |
Evenly matched — FLG and PFSI each lead in 2 of 4 comparable metrics.
Profitability & Efficiency
PFSI leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
PFSI delivers a 12.0% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $-2 for FLG. FLG carries lower financial leverage with a 1.50x debt-to-equity ratio, signaling a more conservative balance sheet compared to PFSI's 5.35x.
| Metric | FLGFlagstar Financia… | PFSIPennyMac Financia… |
|---|---|---|
| ROE (TTM)Return on equity | -2.2% | +12.0% |
| ROA (TTM)Return on assets | -0.2% | +1.8% |
| ROICReturn on invested capital | -0.7% | +4.4% |
| ROCEReturn on capital employed | -0.5% | +10.4% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | 1.50x | 5.35x |
| Net DebtTotal debt minus cash | $11.6B | $22.8B |
| Cash & Equiv.Liquid assets | $553M | $302M |
| Total DebtShort + long-term debt | $12.2B | $23.1B |
| Interest CoverageEBIT ÷ Interest expense | -0.07x | 1.35x |
PFSI leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
PFSI leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PFSI five years ago would be worth $16,366 today (with dividends reinvested), compared to $5,515 for FLG. Over the past 12 months, FLG leads with a +18.8% total return vs PFSI's -8.0%. The 3-year compound annual growth rate (CAGR) favors PFSI at 16.8% vs FLG's -19.6% — a key indicator of consistent wealth creation.
| Metric | FLGFlagstar Financia… | PFSIPennyMac Financia… |
|---|---|---|
| YTD ReturnYear-to-date | +13.9% | -32.4% |
| 1-Year ReturnPast 12 months | +18.8% | -8.0% |
| 3-Year ReturnCumulative with dividends | -48.0% | +59.2% |
| 5-Year ReturnCumulative with dividends | -44.8% | +63.7% |
| 10-Year ReturnCumulative with dividends | -32.1% | +603.4% |
| CAGR (3Y)Annualised 3-year return | -19.6% | +16.8% |
PFSI leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — FLG and PFSI each lead in 1 of 2 comparable metrics.
Risk & Volatility
PFSI is the less volatile stock with a 0.93 beta — it tends to amplify market swings less than FLG's 1.01 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. FLG currently trades 95.9% from its 52-week high vs PFSI's 55.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FLGFlagstar Financia… | PFSIPennyMac Financia… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.01x | 0.93x |
| 52-Week HighHighest price in past year | $14.90 | $160.36 |
| 52-Week LowLowest price in past year | $10.38 | $82.67 |
| % of 52W HighCurrent price vs 52-week peak | +95.9% | +55.3% |
| RSI (14)Momentum oscillator 0–100 | 61.2 | 40.4 |
| Avg Volume (50D)Average daily shares traded | 4.7M | 604K |
Evenly matched — FLG and PFSI each lead in 1 of 2 comparable metrics.
Analyst Outlook
PFSI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates FLG as "Buy" and PFSI as "Buy". Consensus price targets imply 61.3% upside for PFSI (target: $143) vs 9.0% for FLG (target: $16). For income investors, PFSI offers the higher dividend yield at 1.31% vs FLG's 0.25%.
| Metric | FLGFlagstar Financia… | PFSIPennyMac Financia… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $15.58 | $143.00 |
| # AnalystsCovering analysts | 14 | 20 |
| Dividend YieldAnnual dividend ÷ price | +0.3% | +1.3% |
| Dividend StreakConsecutive years of raises | 0 | 2 |
| Dividend / ShareAnnual DPS | $0.04 | $1.16 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.1% |
PFSI leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
PFSI leads in 4 of 6 categories — strongest in Income & Cash Flow and Profitability & Efficiency. 2 categories are tied.
Best OverallPennyMac Financial Services… (PFSI)Leads 4 of 6 categories
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FLG vs PFSI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FLG or PFSI a better buy right now?
For growth investors, PennyMac Financial Services, Inc.
(PFSI) is the stronger pick with 173. 8% revenue growth year-over-year, versus -26. 5% for Flagstar Financial, Inc. (FLG). PennyMac Financial Services, Inc. (PFSI) offers the better valuation at 9. 5x trailing P/E (7. 2x forward), making it the more compelling value choice. Analysts rate Flagstar Financial, Inc. (FLG) a "Buy" — based on 14 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — FLG or PFSI?
On forward P/E, PennyMac Financial Services, Inc.
is actually cheaper at 7. 2x.
03Which is the better long-term investment — FLG or PFSI?
Over the past 5 years, PennyMac Financial Services, Inc.
(PFSI) delivered a total return of +63. 7%, compared to -44. 8% for Flagstar Financial, Inc. (FLG). Over 10 years, the gap is even starker: PFSI returned +603. 4% versus FLG's -32. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FLG or PFSI?
By beta (market sensitivity over 5 years), PennyMac Financial Services, Inc.
(PFSI) is the lower-risk stock at 0. 93β versus Flagstar Financial, Inc. 's 1. 01β — meaning FLG is approximately 8% more volatile than PFSI relative to the S&P 500. On balance sheet safety, Flagstar Financial, Inc. (FLG) carries a lower debt/equity ratio of 150% versus 5% for PennyMac Financial Services, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — FLG or PFSI?
By revenue growth (latest reported year), PennyMac Financial Services, Inc.
(PFSI) is pulling ahead at 173. 8% versus -26. 5% for Flagstar Financial, Inc. (FLG). On earnings-per-share growth, the picture is similar: Flagstar Financial, Inc. grew EPS 85. 4% year-over-year, compared to 59. 2% for PennyMac Financial Services, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — FLG or PFSI?
PennyMac Financial Services, Inc.
(PFSI) is the more profitable company, earning 11. 5% net margin versus -3. 8% for Flagstar Financial, Inc. — meaning it keeps 11. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PFSI leads at 34. 6% versus -4. 2% for FLG. At the gross margin level — before operating expenses — PFSI leads at 91. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is FLG or PFSI more undervalued right now?
On forward earnings alone, PennyMac Financial Services, Inc.
(PFSI) trades at 7. 2x forward P/E versus 31. 7x for Flagstar Financial, Inc. — 24. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PFSI: 61. 3% to $143. 00.
08Which pays a better dividend — FLG or PFSI?
All stocks in this comparison pay dividends.
PennyMac Financial Services, Inc. (PFSI) offers the highest yield at 1. 3%, versus 0. 3% for Flagstar Financial, Inc. (FLG).
09Is FLG or PFSI better for a retirement portfolio?
For long-horizon retirement investors, PennyMac Financial Services, Inc.
(PFSI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 93), 1. 3% yield, +603. 4% 10Y return). Both have compounded well over 10 years (PFSI: +603. 4%, FLG: -32. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between FLG and PFSI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: FLG is a small-cap quality compounder stock; PFSI is a small-cap high-growth stock. PFSI pays a dividend while FLG does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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