Meta Financial Group Inc versus Flagstar Bancorp Inc Head to Head Compare

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This is a head to head compare of Meta Financial Group Inc (NASDAQ:CASH) and Flagstar Bancorp Inc (NYSE:FBC) . We will compare the two companies on revenue growth, earnings, revenue per employee, operating margins, free cash flow and valuation. The head to head compare assigns 100 points in total.

Before we dive into the analysis, we will look at the stock returns for each company over the last three months, six months and the last year. The stock returns do not impact the head to head compare scores which are focused on the fundamentals of each company, but ultimately stock returns are are still a critical piece to a full analysis and compare.

Stock Returns
Symbol 3-Months 6-Months One-Year Fundamentals
CASH -17.2% +27.6% +91.5%
FBC +4.3% -2.1% +31.8%

Meta Financial Group Inc has a higher fundamental rating than Flagstar Bancorp Inc which has an impact on the head-to-head comparison. The CML Star Rating is an objective, quantifiable measure of a company's operating and financial condition. The rating is computed by measuring numerous elements of the company's current financial data and their associated changes over time.

Now, let's dive into the two companies to compare them.

➤ Income Statement
First we turn to the income statement and compare revenue, earnings and revenue per employee for both companies. We note that simple revenue comparisons do not impact the rating.

Flagstar Bancorp Inc has substantially higher revenue in the last year than Meta Financial Group Inc although both companies are still relatively small. Raw revenue comps do not affect the head to head rating.

Both CASH and FBC show positive earnings over the last year with the edge to FBC.

Net Income

FBC generates larger revenue per employee ($283,000) than CASH ($258,000), but not enough to affect the comparison rating.

Revenue per Employee
($ Millions)

➤ Margins
Next we create some derived metrics to compare the the amount of revenue earned per dollar of expense and the amount of free cash flow earned per dollar of revenue. Margins are one of the fairest ways to compare companies since they remove some of the bias of large versus small numbers.

Flagstar Bancorp Inc generates $1.32 in revenue for every $1 of expense, notably higher than Meta Financial Group Inc's $1.09.

Revenue per Dollar of Expense

A nonperforming loan (NPL) is the sum of borrowed money upon which the debtor has not made his scheduled payments for at least 90 days. A nonperforming loan is either in default or close to being in default (Source: INVESTOPEDIA).FBC shows 0.76% if its loans are "non-performing", massively higher than CASH's 0.20%.

Non-performing Loans
over Total Loans

➤ Growth
Finally we compare the financial metrics related to growth: revenue growth rates and price to sales.

Both companies are growing revenue. Meta Financial Group Inc is growing revenue massively faster than Flagstar Bancorp Inc.

Revenue Growth

For every $1 in revenue, the stock market prices in $4.61 in market cap for CASH and $1.97 in market cap for FBC.

Price to Sales

Meta Financial Group Inc (NASDAQ:CASH)
Flagstar Bancorp Inc (NYSE:FBC) : 62 to 38