Time Finance (TIME) Competitors

S&U (LON:SUS) and Time Finance (LON:TIME) are both small-cap financial services companies, but which is the superior business? We will compare the two companies based on the strength of their risk, analyst recommendations, valuation, profitability, community ranking, earnings, institutional ownership, media sentiment and dividends.

Do insiders & institutionals hold more shares of SUS or TIME?

3.8% of S&U shares are held by institutional investors. Comparatively, 38.1% of Time Finance shares are held by institutional investors. 88.9% of S&U shares are held by insiders. Comparatively, 16.7% of Time Finance shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Is SUS or TIME a better dividend stock?

S&U pays an annual dividend of GBX 150 per share and has a dividend yield of 10.3%. Time Finance pays an annual dividend of GBX 1 per share and has a dividend yield of 1.8%. 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. Time Finance pays out 20.5% of its earnings in the form of a dividend.

Does the media refer more to SUS or TIME?

In the previous week, S&U had 1 more articles in the media than Time Finance. MarketBeat recorded 1 mentions for S&U and 0 mentions for Time Finance. S&U's average media sentiment score of 0.75 beat Time Finance's score of 0.00 indicating that S&U is being referred to more favorably in the media.

Company	Overall Sentiment
S&U	Positive
Time Finance	Neutral

Which has better earnings and valuation, SUS or TIME?

S&U has higher revenue and earnings than Time Finance. S&U is trading at a lower price-to-earnings ratio than Time Finance, 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	2.65	£18.35M	£158.75	9.17
Time Finance	£32.57M	1.54	£4.38M	£4.87	11.31

Do analysts rate SUS or TIME?

S&U presently has a consensus price target of GBX 1,700, suggesting a potential upside of 16.84%. Given S&U's stronger consensus rating and higher probable upside, analysts plainly believe S&U is more favorable than Time Finance.

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
Time Finance	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is SUS or TIME more profitable?

S&U has a net margin of 28.21% compared to Time Finance's net margin of 13.43%. S&U's return on equity of 8.05% beat Time Finance's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
S&U	28.21%	8.05%	4.18%
Time Finance	13.43%	6.84%	2.26%

Which has more volatility & risk, SUS or TIME?

S&U has a beta of 0.55, meaning that its share price is 45% less volatile than the S&P 500. Comparatively, Time Finance has a beta of 1.69, meaning that its share price is 69% more volatile than the S&P 500.

Does the MarketBeat Community favor SUS or TIME?

S&U received 250 more outperform votes than Time Finance when rated by MarketBeat users.

Company	Underperform	Outperform
S&U	Outperform Votes 250 69.64%	Underperform Votes 109 30.36%
Time Finance	N/A	N/A

Summary

S&U beats Time Finance on 14 of the 18 factors compared between the two stocks.