Timbercreek Financial (TF) Competitors

Timbercreek Financial (TSE:TF) and Home Capital Group (TSE:HCG) are both small-cap financial services companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, valuation, risk, earnings, media sentiment and dividends.

Is TF or HCG a better dividend stock?

Timbercreek Financial pays an annual dividend of C$0.69 per share and has a dividend yield of 9.7%. Home Capital Group pays an annual dividend of C$0.60 per share. Timbercreek Financial pays out 130.2% 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.

Do analysts recommend TF or HCG?

Timbercreek Financial presently has a consensus price target of C$8.08, indicating a potential upside of 13.21%. Given Timbercreek Financial's stronger consensus rating and higher possible upside, analysts clearly believe Timbercreek Financial is more favorable than Home Capital Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Timbercreek Financial	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33
Home Capital Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Does the media prefer TF or HCG?

In the previous week, Timbercreek Financial had 1 more articles in the media than Home Capital Group. MarketBeat recorded 1 mentions for Timbercreek Financial and 0 mentions for Home Capital Group. Timbercreek Financial's average media sentiment score of 0.00 equaled Home Capital Group'saverage media sentiment score.

Company	Overall Sentiment
Timbercreek Financial	Neutral
Home Capital Group	Neutral

Which has more risk & volatility, TF or HCG?

Timbercreek Financial has a beta of 1.077582, suggesting that its share price is 8% more volatile than the S&P 500. Comparatively, Home Capital Group has a beta of 1.94, suggesting that its share price is 94% more volatile than the S&P 500.

Which has higher earnings and valuation, TF or HCG?

Home Capital Group has higher revenue and earnings than Timbercreek Financial. Home Capital Group is trading at a lower price-to-earnings ratio than Timbercreek 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
Timbercreek Financial	C$156.02M	3.79	C$58.41M	C$0.53	13.47
Home Capital Group	C$512.55M	0.00	C$174.16M	C$4.48	N/A

Is TF or HCG more profitable?

Timbercreek Financial has a net margin of 34.73% compared to Home Capital Group's net margin of 33.98%. Home Capital Group's return on equity of 10.77% beat Timbercreek Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Timbercreek Financial	34.73%	8.41%	3.50%
Home Capital Group	33.98%	10.77%	0.77%

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

4.0% of Timbercreek Financial shares are held by institutional investors. Comparatively, 33.1% of Home Capital Group shares are held by institutional investors. 0.9% of Timbercreek 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 hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

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