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

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 6.5%. 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.

Does the media favor FN or HCG?

In the previous week, First National Financial had 1 more articles in the media than Home Capital Group. MarketBeat recorded 1 mentions for First National Financial and 0 mentions for Home Capital Group. First National Financial's average media sentiment score of 0.84 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

Which has higher 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	1.32	C$185.07M	C$3.07	12.33
Home Capital Group	C$512.55M	0.00	C$174.16M	C$4.48	N/A

Do analysts prefer FN or HCG?

First National Financial presently has a consensus target price of C$41.00, indicating a potential upside of 8.32%. Given First National Financial's stronger consensus rating and higher possible upside, research analysts clearly believe First National Financial is more favorable than Home Capital Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First National Financial	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.25
Home Capital Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Does the MarketBeat Community believe in FN or HCG?

Home Capital Group received 103 more outperform votes than First National Financial when rated by MarketBeat users. Likewise, 45.99% of users gave Home Capital Group an outperform vote while only 43.73% of users gave First National Financial an outperform vote.

Company	Underperform	Outperform
First National Financial	Outperform Votes 230 43.73%	Underperform Votes 296 56.27%
Home Capital Group	Outperform Votes 333 45.99%	Underperform Votes 391 54.01%

Do insiders and institutionals believe in FN or HCG?

4.0% of First National Financial shares are owned by institutional investors. Comparatively, 33.1% of Home Capital Group shares are owned by institutional investors. 71.5% of First National Financial shares are owned by company insiders. Comparatively, 0.6% of Home Capital Group shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

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 risk & volatility, FN or HCG?

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

Summary

First National Financial beats Home Capital Group on 11 of the 19 factors compared between the two stocks.