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Surface temperature build-up due to the continuous conversion of incident sunlight to heat deteriorates the power output, efficiency, and life of photovoltaic panels. Photovoltaic-thermal (PV-T) systems provide a potential solution to avoid excessive heating of PV panels, simultaneously providing useful heat energy. A heat extraction unit is attached to the PV panel in PV-T systems that extract and convert the waste heat into useful heat. Therefore, design and material selection are keys to better performance in the system-level approach. Additionally, it is a cumbersome task dealing with refrigerant-based heat and fluid flow interactions in a system-level approach. With this in perspective, this paper analyzes different materials and flow configurations of PV-T systems. A transient, three-dimensional turbulence solver coupled with heat transfer through solids and liquids physics is modeled using COMSOL Multiphysics …