Flagstar Financial (FLG) Competitors

Flagstar Financial (NYSE:FLG) and Credicorp (NYSE:BAP) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their risk, earnings, profitability, dividends, analyst recommendations, valuation, media sentiment and institutional ownership.

Is FLG or BAP a better dividend stock?

Flagstar Financial pays an annual dividend of $0.04 per share and has a dividend yield of 0.3%. Credicorp pays an annual dividend of $11.01 per share and has a dividend yield of 4.2%. Flagstar Financial pays out -2.4% of its earnings in the form of a dividend. Credicorp pays out 59.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Credicorp has increased its dividend for 3 consecutive years. Credicorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do institutionals and insiders hold more shares of FLG or BAP?

67.9% of Flagstar Financial shares are owned by institutional investors. Comparatively, 89.8% of Credicorp shares are owned by institutional investors. 6.4% of Flagstar Financial shares are owned by insiders. Comparatively, 15.9% of Credicorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Does the media prefer FLG or BAP?

In the previous week, Flagstar Financial had 2 more articles in the media than Credicorp. MarketBeat recorded 17 mentions for Flagstar Financial and 15 mentions for Credicorp. Credicorp's average media sentiment score of 1.47 beat Flagstar Financial's score of 1.22 indicating that Credicorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Flagstar Financial	12 Very Positive mention(s)	0 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Credicorp	14 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has stronger valuation and earnings, FLG or BAP?

Credicorp has higher revenue and earnings than Flagstar Financial. Flagstar Financial is trading at a lower price-to-earnings ratio than Credicorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Flagstar Financial	$6.35B	0.84	-$1.12B	-$1.65	-7.75
Credicorp	$7.00B	2.96	$1.47B	$18.39	14.15

Do analysts prefer FLG or BAP?

Flagstar Financial currently has a consensus price target of $13.33, indicating a potential upside of 4.33%. Credicorp has a consensus price target of $236.80, indicating a potential downside of 8.99%. Given Flagstar Financial's higher possible upside, analysts clearly believe Flagstar Financial is more favorable than Credicorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flagstar Financial	0 Sell rating(s)	5 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.44
Credicorp	0 Sell rating(s)	2 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.60

Which has more risk and volatility, FLG or BAP?

Flagstar Financial has a beta of 1.2, suggesting that its stock price is 20% more volatile than the S&P 500. Comparatively, Credicorp has a beta of 1.12, suggesting that its stock price is 12% more volatile than the S&P 500.

Is FLG or BAP more profitable?

Credicorp has a net margin of 20.94% compared to Flagstar Financial's net margin of -10.83%. Credicorp's return on equity of 16.25% beat Flagstar Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Flagstar Financial	-10.83%	-6.60%	-0.51%
Credicorp	20.94%	16.25%	2.21%

Summary

Credicorp beats Flagstar Financial on 14 of the 19 factors compared between the two stocks.