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 business? We will compare the two companies based on the strength of their profitability, media sentiment, valuation, earnings, institutional ownership, analyst recommendations, risk and dividends.

Is FN or HCG a better dividend stock?

First National Financial pays an annual dividend of C$2.48 per share and has a dividend yield of 5.2%. Home Capital Group pays an annual dividend of C$0.60 per share. First National Financial pays out 80.9% 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's average media sentiment score of 0.00 equaled Home Capital Group'saverage media sentiment score.

Company	Overall Sentiment
First National Financial	Neutral
Home Capital Group	Neutral

Do analysts prefer FN or HCG?

First National Financial presently has a consensus price target of C$45.40, suggesting a potential downside of 5.28%. Given Home Capital Group's higher probable upside, analysts plainly 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

Do institutionals and insiders hold more shares of FN or HCG?

4.6% 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 stock is poised for long-term growth.

Which has more risk and volatility, FN or HCG?

First National Financial has a beta of 0.644952, indicating that its stock price is 36% less 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.

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 preferable valuation & earnings, 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$602.36M	4.77	C$185.07M	C$3.07	15.61
Home Capital Group	C$512.55M	0.00	C$174.16M	C$4.48	N/A

Summary

First National Financial and Home Capital Group tied by winning 7 of the 14 factors compared between the two stocks.