S&U (SUS) Competitors

S&U (LON:SUS) and Vanquis Banking Group (LON:PFG) are both small-cap financial services companies, but which is the better investment? We will contrast the two companies based on the strength of their profitability, media sentiment, earnings, dividends, analyst recommendations, community ranking, risk, valuation and institutional ownership.

Do insiders and institutionals believe in SUS or PFG?

3.8% of S&U shares are held by institutional investors. Comparatively, 84.0% of Vanquis Banking Group shares are held by institutional investors. 88.9% of S&U shares are held by insiders. Comparatively, 2.6% of Vanquis Banking Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Which has stronger valuation and earnings, SUS or PFG?

Vanquis Banking Group has higher revenue and earnings than S&U. Vanquis Banking Group is trading at a lower price-to-earnings ratio than S&U, 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
S&U	£65.05M	2.52	£18.35M	£158.75	8.72
Vanquis Banking Group	£446.50M	0.00	£103.50M	£0.41	N/A

Does the MarketBeat Community believe in SUS or PFG?

Vanquis Banking Group received 239 more outperform votes than S&U when rated by MarketBeat users. However, 69.83% of users gave S&U an outperform vote while only 60.52% of users gave Vanquis Banking Group an outperform vote.

Company	Underperform	Outperform
S&U	Outperform Votes 250 69.83%	Underperform Votes 108 30.17%
Vanquis Banking Group	Outperform Votes 489 60.52%	Underperform Votes 319 39.48%

Does the media favor SUS or PFG?

In the previous week, S&U's average media sentiment score of 0.75 beat Vanquis Banking Group's score of 0.00 indicating that S&U is being referred to more favorably in the media.

Company	Overall Sentiment
S&U	Positive
Vanquis Banking Group	Neutral

Which has more volatility and risk, SUS or PFG?

S&U has a beta of 0.55, indicating that its share price is 45% less volatile than the S&P 500. Comparatively, Vanquis Banking Group has a beta of 1.5, indicating that its share price is 50% more volatile than the S&P 500.

Do analysts prefer SUS or PFG?

S&U currently has a consensus target price of GBX 2,100, indicating a potential upside of 51.62%. Given S&U's stronger consensus rating and higher probable upside, analysts clearly believe S&U is more favorable than Vanquis Banking Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
S&U	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Vanquis Banking Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is SUS or PFG a better dividend stock?

S&U pays an annual dividend of GBX 150 per share and has a dividend yield of 10.8%. Vanquis Banking Group pays an annual dividend of GBX 17 per share. S&U pays out 94.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Vanquis Banking Group pays out 4,146.3% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. S&U is clearly the better dividend stock, given its higher yield and lower payout ratio.

Is SUS or PFG more profitable?

S&U has a net margin of 28.21% compared to Vanquis Banking Group's net margin of 8.73%. Vanquis Banking Group's return on equity of 17.19% beat S&U's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
S&U	28.21%	8.05%	4.18%
Vanquis Banking Group	8.73%	17.19%	4.14%

Summary

S&U beats Vanquis Banking Group on 10 of the 17 factors compared between the two stocks.