Timbercreek Financial (TF) Competitors

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

Is HCG or TF a better dividend stock?

Home Capital Group pays an annual dividend of C$0.60 per share. Timbercreek Financial pays an annual dividend of C$0.69 per share and has a dividend yield of 9.1%. Home Capital Group pays out 13.4% of its earnings in the form of a dividend. 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.

Which has better valuation and earnings, HCG or TF?

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
Home Capital Group	C$512.55M	0.00	C$174.16M	C$4.48	N/A
Timbercreek Financial	C$156.02M	4.03	C$58.41M	C$0.53	14.32

Do analysts recommend HCG or TF?

Timbercreek Financial has a consensus target price of C$8.08, suggesting a potential upside of 6.50%. 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
Home Capital Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Timbercreek Financial	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33

Is HCG or TF 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
Home Capital Group	33.98%	10.77%	0.77%
Timbercreek Financial	34.73%	8.41%	3.50%

Does the media refer more to HCG or TF?

In the previous week, Timbercreek Financial had 3 more articles in the media than Home Capital Group. MarketBeat recorded 3 mentions for Timbercreek Financial and 0 mentions for Home Capital Group. Timbercreek Financial's average media sentiment score of 0.71 beat Home Capital Group's score of 0.00 indicating that Timbercreek Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Home Capital Group	Neutral
Timbercreek Financial	Positive

Which has more volatility & risk, HCG or TF?

Home Capital Group has a beta of 1.94, meaning that its stock price is 94% more volatile than the S&P 500. Comparatively, Timbercreek Financial has a beta of 1.144036, meaning that its stock price is 14% more volatile than the S&P 500.

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

33.1% of Home Capital Group shares are owned by institutional investors. Comparatively, 4.0% of Timbercreek Financial shares are owned by institutional investors. 0.6% of Home Capital Group shares are owned by company insiders. Comparatively, 0.9% of Timbercreek Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

Timbercreek Financial beats Home Capital Group on 10 of the 17 factors compared between the two stocks.