COMP <GO>
FLG vs JPM // ALTMAN Z-SCORE & DEBT/EQUITY
Flagstar Bank N.A. (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: FLG 2
— JPM 8
■ METRIC PARITY
LAST: $10.75 (+2.28%) • MKT CAP: $4.46B
balance-sheet
—
LAST: $340.58 (+1.05%) • MKT CAP: $905.33B
balance-sheet
0.37
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FLG VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FLG | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -0.60% | 17.72% | -18.32 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 9.5x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -5.42% | -9.41% | +3.99 | FLG | /fcf-yield <GO> |
| Operating Margin | -17.70% | 41.98% | -59.68 | JPM | /operating-margins <GO> |
| Net Profit Margin | -14.50% | 32.48% | -46.98 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 2.20% | 13.23% | -11.03 | JPM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.35% | 1.95% | -1.60 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | 0.37 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 3/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.78% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 42.1 | 53.6 | -11.50 | JPM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.11 | 1.00 | +0.11 | FLG | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.0x | 13.3x | +4.73 | JPM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.46B | $905.33B | -$900.86B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FLG REV | JPM REV | FLG GROSS % | JPM GROSS % | FLG FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $584.8M | $182.45B | — | — | -$181.0M | -$147.78B |
| FY 2024 | $3.69B | $177.56B | — | — | $86.0M | -$42.01B |
| FY 2023 | $261.0M | $158.10B | — | — | $263.0M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FLG // BETA 1.11
JPM // BETA 1.00