H&T Group (HAT) Competitors

H&T Group (LON:HAT) and Vanquis Banking Group (LON:PFG) are both small-cap credit services industry companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, analyst recommendations, valuation, earnings, risk, institutional ownership, profitability and media sentiment.

Is HAT or PFG more profitable?

H&T Group has a net margin of 9.06% compared to Vanquis Banking Group's net margin of 8.73%. Vanquis Banking Group's return on equity of 17.19% beat H&T Group's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
H&T Group	9.06%	12.14%	9.07%
Vanquis Banking Group	8.73%	17.19%	4.14%

Do institutionals & insiders hold more shares of HAT or PFG?

46.6% of H&T Group shares are held by institutional investors. Comparatively, 84.0% of Vanquis Banking Group shares are held by institutional investors. 10.3% of H&T Group shares are held by insiders. Comparatively, 2.6% of Vanquis Banking Group shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Do analysts recommend HAT or PFG?

H&T Group presently has a consensus price target of GBX 559, indicating a potential downside of 14.00%. Given Vanquis Banking Group's higher possible upside, analysts plainly believe Vanquis Banking Group is more favorable than H&T Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
H&T Group	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
Vanquis Banking Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Does the media favor HAT or PFG?

In the previous week, H&T Group and H&T Group both had 1 articles in the media. H&T Group's average media sentiment score of 0.00 equaled Vanquis Banking Group'saverage media sentiment score.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
H&T Group	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Vanquis Banking Group	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has more risk & volatility, HAT or PFG?

H&T Group has a beta of 0.69, meaning that its share price is 31% less volatile than the S&P 500. Comparatively, Vanquis Banking Group has a beta of 1.5, meaning that its share price is 50% more volatile than the S&P 500.

Which has higher valuation and earnings, HAT or PFG?

Vanquis Banking Group has higher revenue and earnings than H&T Group. Vanquis Banking Group is trading at a lower price-to-earnings ratio than H&T Group, 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
H&T Group	£240.86M	1.18	£21.82M	£50.54	12.86
Vanquis Banking Group	£446.50M	0.00	£103.50M	£0.41	N/A

Is HAT or PFG a better dividend stock?

H&T Group pays an annual dividend of GBX 18 per share and has a dividend yield of 2.8%. Vanquis Banking Group pays an annual dividend of GBX 17 per share. H&T Group pays out 35.6% of its earnings in the form of a dividend. Vanquis Banking Group pays out 4,146.3% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. H&T Group is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

H&T Group beats Vanquis Banking Group on 8 of the 15 factors compared between the two stocks.