First National Financial (FN) Competitors

First National Financial (TSE:FN) and Home Capital Group (TSE:HCG) are both financial services companies, but which is the better stock? We will compare the two companies based on the strength of their profitability, analyst recommendations, valuation, institutional ownership, media sentiment, dividends, earnings and risk.

Do analysts recommend FN or HCG?

First National Financial currently has a consensus price target of C$45.40, indicating a potential downside of 5.75%. Given Home Capital Group's higher possible upside, analysts clearly believe Home Capital Group is more favorable than First National Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First National Financial	1 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.67
Home Capital Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is FN or HCG a better dividend stock?

First National Financial pays an annual dividend of C$2.45 per share and has a dividend yield of 5.1%. Home Capital Group pays an annual dividend of C$0.60 per share. First National Financial pays out 79.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Home Capital Group pays out 13.4% of its earnings in the form of a dividend.

Which has preferable earnings & valuation, FN or HCG?

First National Financial has higher revenue and earnings than Home Capital Group. Home Capital Group is trading at a lower price-to-earnings ratio than First National Financial, 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
First National Financial	C$1.73B	1.67	C$185.07M	C$3.07	15.69
Home Capital Group	C$512.55M	0.00	C$174.16M	C$4.48	N/A

Do insiders & institutionals have more ownership in FN or HCG?

4.0% of First National Financial shares are held by institutional investors. Comparatively, 33.1% of Home Capital Group shares are held by institutional investors. 71.5% of First National Financial shares are held by insiders. Comparatively, 0.6% of Home Capital Group 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.

Does the media refer more to FN or HCG?

In the previous week, First National Financial had 2 more articles in the media than Home Capital Group. MarketBeat recorded 2 mentions for First National Financial and 0 mentions for Home Capital Group. First National Financial's average media sentiment score of 0.80 beat Home Capital Group's score of 0.00 indicating that First National Financial is being referred to more favorably in the media.

Company	Overall Sentiment
First National Financial	Positive
Home Capital Group	Neutral

Is FN or HCG more profitable?

Home Capital Group has a net margin of 33.98% compared to First National Financial's net margin of 10.70%. First National Financial's return on equity of 24.41% beat Home Capital Group's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First National Financial	10.70%	24.41%	0.48%
Home Capital Group	33.98%	10.77%	0.77%

Which has more volatility & risk, FN or HCG?

First National Financial has a beta of 1.04, indicating that its stock price is 4% more volatile than the S&P 500. Comparatively, Home Capital Group has a beta of 1.94, indicating that its stock price is 94% more volatile than the S&P 500.

Summary

First National Financial beats Home Capital Group on 9 of the 16 factors compared between the two stocks.