S&U (SUS) Competitors

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

Is SUS or PFG more profitable?

S&U has a net margin of 28.21% compared to Vanquis Banking Group's net margin of 8.73%. Vanquis Banking Group's return on equity of 17.19% beat S&U's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
S&U	28.21%	8.05%	4.18%
Vanquis Banking Group	8.73%	17.19%	4.14%

Does the media favor SUS or PFG?

In the previous week, S&U had 2 more articles in the media than Vanquis Banking Group. MarketBeat recorded 3 mentions for S&U and 1 mentions for Vanquis Banking Group. Vanquis Banking Group's average media sentiment score of 0.88 beat S&U's score of 0.34 indicating that Vanquis Banking Group is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
S&U	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Neutral
Vanquis Banking Group	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility and risk, SUS or PFG?

S&U has a beta of 0.55, suggesting that its share price is 45% less volatile than the S&P 500. Comparatively, Vanquis Banking Group has a beta of 1.5, suggesting that its share price is 50% more volatile than the S&P 500.

Do analysts prefer SUS or PFG?

S&U currently has a consensus price target of GBX 1,700, indicating a potential downside of 10.41%. Given Vanquis Banking Group's higher probable upside, analysts plainly believe Vanquis Banking Group is more favorable than S&U.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
S&U	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Vanquis Banking Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has preferable valuation and earnings, SUS or PFG?

Vanquis Banking Group has higher revenue and earnings than S&U. Vanquis Banking Group is trading at a lower price-to-earnings ratio than S&U, 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
S&U	£65.05M	3.46	£18.35M	£158.75	11.95
Vanquis Banking Group	£446.50M	0.00	£103.50M	£0.41	N/A

Do insiders & institutionals believe in SUS or PFG?

3.8% of S&U shares are owned by institutional investors. Comparatively, 84.0% of Vanquis Banking Group shares are owned by institutional investors. 88.9% of S&U shares are owned by insiders. Comparatively, 2.6% of Vanquis Banking Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Is SUS or PFG a better dividend stock?

S&U pays an annual dividend of GBX 150 per share and has a dividend yield of 7.9%. Vanquis Banking Group pays an annual dividend of GBX 17 per share. S&U pays out 94.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. 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. S&U is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

S&U and Vanquis Banking Group tied by winning 8 of the 16 factors compared between the two stocks.