Flagstar Bank, National Association (FLG) vs Grupo Financiero Galicia S.A. (GGAL)

Flagstar Bank, National Association and Grupo Financiero Galicia S.A. are both Banks Regional companies. Flagstar Bank, National Association and Grupo Financiero Galicia S.A. are of similar size ($5.3B and $5.1B). Grupo Financiero Galicia S.A. trades at the lower P/E: 19.6× against 414×. Flagstar Bank, National Association grew revenue faster over the last twelve months: −21.3% against −65.4%. Grupo Financiero Galicia S.A. has the higher net margin (7.53% vs 0.34%) and the lower return on invested capital (−76.1% vs 0.30%). Both pay a dividend; Flagstar Bank, National Association yields more (4.77% vs 1.49%). Across the 20 metrics below, Flagstar Bank, National Association leads on 10 and Grupo Financiero Galicia S.A. on 10.

Valuation

Metric FLG GGAL Banks Regional median
P/E 413.67 19.57 12.15
P/S 1.17 1.54 2.37
P/B 0.68 1.02 1.21
Price to free cash flow 76.07 0.90 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.54 0.81 2.27
Earnings yield 0.24% 5.11% 8.11%
Free cash flow yield 1.31% 111.21% 8.98%

Profitability

Metric FLG GGAL Banks Regional median
Gross margin 47.14% 84.41% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.34% 7.53% 18.66%
Free cash flow margin 1.53% 0.00% 21.18%
Return on equity 0.20% 0.00% 10.64%
Return on assets 0.02% 0.85% 1.13%
Return on invested capital 0.30% (76.07%) 8.33%

Growth

Metric FLG GGAL Banks Regional median
Revenue growth (TTM) (21.29%) (65.36%) 6.61%
EPS growth (last fiscal year) 85.29% (91.19%) —
Revenue growth, 5-year CAGR 22.13% 19.31% 12.30%
Net income growth, 5-year CAGR 0.00% (13.82%) 9.71%

Health

Metric FLG GGAL Banks Regional median
Debt to equity 1.34 0.00 0.22
Current ratio 0.90 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FLG GGAL Banks Regional median
Dividend yield 4.77% 1.49% 3.75%
Payout ratio 0.17 0.11 0.27

Size

Metric FLG GGAL Banks Regional median
Market cap 5.14b 5.25b 921.07m

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