First National Financial (FN) Competitors

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

Is HCG or FN a better dividend stock?

Home Capital Group pays an annual dividend of C$0.60 per share. First National Financial pays an annual dividend of C$2.45 per share and has a dividend yield of 6.6%. Home Capital Group pays out 13.4% of its earnings in the form of a dividend. First National Financial pays out 55.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Which has more volatility and risk, HCG or FN?

Home Capital Group has a beta of 1.94, indicating that its share price is 94% more volatile than the S&P 500. Comparatively, First National Financial has a beta of 1.06, indicating that its share price is 6% more volatile than the S&P 500.

Does the media favor HCG or FN?

In the previous week, First National Financial had 3 more articles in the media than Home Capital Group. MarketBeat recorded 3 mentions for First National Financial and 0 mentions for Home Capital Group. Home Capital Group's average media sentiment score of 0.70 beat First National Financial's score of 0.00 indicating that First National Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Home Capital Group	Neutral
First National Financial	Positive

Does the MarketBeat Community believe in HCG or FN?

Home Capital Group received 106 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 44.16% of users gave First National Financial an outperform vote.

Company	Underperform	Outperform
Home Capital Group	Outperform Votes 333 45.99%	Underperform Votes 391 54.01%
First National Financial	Outperform Votes 227 44.16%	Underperform Votes 287 55.84%

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

33.1% of Home Capital Group shares are held by institutional investors. Comparatively, 4.1% of First National Financial shares are held by institutional investors. 0.6% of Home Capital Group shares are held by insiders. Comparatively, 71.5% of First National Financial shares are held by 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 HCG or FN more profitable?

First National Financial has a net margin of 34.57% compared to First National Financial's net margin of 33.98%. Home Capital Group's return on equity of 36.66% beat First National Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Home Capital Group	33.98%	10.77%	0.77%
First National Financial	34.57%	36.66%	0.59%

Do analysts rate HCG or FN?

First National Financial has a consensus price target of C$40.17, suggesting a potential upside of 8.59%.

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)	N/A
First National Financial	0 Sell rating(s)	5 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.17

Which has better earnings and valuation, HCG or FN?

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
Home Capital Group	C$512.55M	0.00	C$174.16M	C$4.48	N/A
First National Financial	C$772.21M	2.87	C$263.04M	C$4.39	8.43

Summary

First National Financial beats Home Capital Group on 9 of the 17 factors compared between the two stocks.