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 superior investment? We will compare the two businesses based on the strength of their profitability, risk, earnings, analyst recommendations, valuation, dividends, media sentiment and institutional ownership.

Is SUS or PFG a better dividend stock?

S&U pays an annual dividend of GBX 1.15 per share and has a dividend yield of 0.1%. Vanquis Banking Group pays an annual dividend of GBX 17 per share. S&U pays out 78.0% 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.

Which has stronger earnings and valuation, 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	£97.63M	2.24	£18.35M	£1.47	1,221.17
Vanquis Banking Group	£446.50M	0.00	£103.50M	£0.41	N/A

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%

Which has more risk & volatility, SUS or PFG?

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

Does the media refer more to SUS or PFG?

In the previous week, S&U had 3 more articles in the media than Vanquis Banking Group. MarketBeat recorded 3 mentions for S&U and 0 mentions for Vanquis Banking Group. S&U's average media sentiment score of 0.68 beat Vanquis Banking Group's score of 0.00 indicating that S&U is being referred to more favorably in the media.

Company	Overall Sentiment
S&U	Positive
Vanquis Banking Group	Neutral

Do analysts recommend SUS or PFG?

S&U presently has a consensus target price of GBX 1,700, indicating a potential downside of 5.56%. Given Vanquis Banking Group's higher possible upside, analysts clearly 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

Do insiders and institutionals have more ownership in SUS or PFG?

5.7% of S&U shares are owned by institutional investors. Comparatively, 84.0% of Vanquis Banking Group shares are owned by institutional investors. 65.5% of S&U shares are owned by company insiders. Comparatively, 2.6% of Vanquis Banking Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Summary

S&U beats Vanquis Banking Group on 10 of the 16 factors compared between the two stocks.