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FLG vs MA

FLG
Flagstar Bank, National Association
NEUTRAL
Price
$14.03
Market Cap
$5.84B
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
FLG
--
MA
30.28
Forward P/E
FLG
8.85
MA
22.05
P/B Ratio
FLG
0.76
MA
57.74
P/S Ratio
FLG
2.97
MA
13.6
EV/EBITDA
FLG
--
MA
22.13

Profitability

Gross Margin
FLG
0.0%
MA
100.0%
Operating Margin
FLG
17.47%
MA
57.73%
Profit Margin
FLG
-2.85%
MA
45.65%
ROE
FLG
-0.69%
MA
209.91%
ROA
FLG
-0.06%
MA
23.72%

Growth

Revenue Growth
FLG
21.2%
MA
17.6%
Earnings Growth
FLG
--
MA
24.2%

Financial Health

Debt/Equity
FLG
--
MA
2.56
Current Ratio
FLG
--
MA
1.03
Quick Ratio
FLG
--
MA
0.68

Dividends

Dividend Yield
FLG
0.29%
MA
0.7%
Payout Ratio
FLG
20.99%
MA
18.4%

AI Verdict

FLG NEUTRAL

The company exhibits severe financial fragility as evidenced by a critical Piotroski F-Score of 1/9, indicating poor operational health and financial deterioration. While the stock trades at a discount to book value (P/B 0.76) and shows a promising return to profitability in early 2026, the technical trend remains overwhelmingly bearish (10/100). The disconnect between the analyst 'Buy' consensus and the deterministic health scores suggests a speculative turnaround play rather than a stable investment. Overall, the valuation is attractive, but the underlying financial health is currently unacceptable.

Strengths
Trading below book value (P/B 0.76)
Strong YoY revenue growth of 21.20%
Recent return to positive EPS in 2026 quarters
Risks
Critical Piotroski F-Score (1/9) indicating systemic financial weakness
Negative profit margins (-2.85%) and negative ROE (-0.69%)
Severe bearish technical trend (10/100)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

FLG vs MA: Head-to-Head Comparison

This page compares Flagstar Bank, National Association (FLG) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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