S&U (SUS) Competitors

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

Is PFG or SUS 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
Vanquis Banking Group	8.73%	17.19%	4.14%
S&U	28.21%	8.05%	4.18%

Which has better earnings and valuation, PFG or SUS?

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
Vanquis Banking Group	£446.50M	0.00	£103.50M	£0.41	N/A
S&U	£65.05M	3.25	£18.35M	£158.75	11.24

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

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

Do analysts prefer PFG or SUS?

S&U has a consensus target price of GBX 1,700, indicating a potential downside of 4.76%. Given Vanquis Banking Group's higher possible upside, equities analysts clearly believe Vanquis Banking Group is more favorable than S&U.

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

Does the media prefer PFG or SUS?

In the previous week, Vanquis Banking Group's average media sentiment score of 0.00 equaled S&U'saverage media sentiment score.

Company	Overall Sentiment
Vanquis Banking Group	Neutral
S&U	Neutral

Which has more risk & volatility, PFG or SUS?

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

Is PFG or SUS a better dividend stock?

Vanquis Banking Group pays an annual dividend of GBX 17 per share. S&U pays an annual dividend of GBX 150 per share and has a dividend yield of 8.4%. 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 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. S&U is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

Vanquis Banking Group and S&U tied by winning 7 of the 14 factors compared between the two stocks.