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

Do analysts recommend FN or HCG?

First National Financial presently has a consensus target price of C$42.80, suggesting a potential upside of 14.32%. Given First National Financial's stronger consensus rating and higher probable upside, research analysts plainly 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

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	1.30	C$185.07M	C$3.07	12.19
Home Capital Group	C$512.55M	0.00	C$174.16M	C$4.48	N/A

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 refer more to FN or HCG?

In the previous week, First National Financial had 6 more articles in the media than Home Capital Group. MarketBeat recorded 6 mentions for First National Financial and 0 mentions for Home Capital Group. Home Capital Group's average media sentiment score of 0.00 beat First National Financial's score of -0.14 indicating that Home Capital Group is being referred to more favorably in the news media.

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

Do institutionals & insiders believe 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 company insiders. Comparatively, 0.6% of Home Capital Group shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Does the MarketBeat Community favor FN or HCG?

Home Capital Group received 104 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 43.79% of users gave First National Financial an outperform vote.

Company	Underperform	Outperform
First National Financial	Outperform Votes 229 43.79%	Underperform Votes 294 56.21%
Home Capital Group	Outperform Votes 333 45.99%	Underperform Votes 391 54.01%

Summary

First National Financial beats Home Capital Group on 10 of the 19 factors compared between the two stocks.