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

Does the media favor PFG or SUS?

In the previous week, S&U had 2 more articles in the media than Vanquis Banking Group. MarketBeat recorded 2 mentions for S&U and 0 mentions for Vanquis Banking Group. S&U's average media sentiment score of 0.90 beat Vanquis Banking Group's score of 0.00 indicating that S&U is being referred to more favorably in the news media.

Company	Overall Sentiment
Vanquis Banking Group	Neutral
S&U	Positive

Do analysts recommend PFG or SUS?

S&U has a consensus target price of GBX 1,700, suggesting a potential downside of 2.86%. Given Vanquis Banking Group's higher probable upside, research 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

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 more risk & volatility, PFG or SUS?

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

Do insiders & institutionals believe 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, endowments and hedge funds believe a company is poised for long-term growth.

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	3.19	£18.35M	£158.75	11.02

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 8.6%. 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

S&U beats Vanquis Banking Group on 9 of the 16 factors compared between the two stocks.