Time Finance (TIME) Competitors

Time Finance (LON:TIME) and S&U (LON:SUS) are both small-cap financial services companies, but which is the superior investment? We will contrast the two businesses based on the strength of their valuation, dividends, risk, institutional ownership, analyst recommendations, media sentiment, earnings and profitability.

Do institutionals and insiders believe in TIME or SUS?

38.1% of Time Finance shares are owned by institutional investors. Comparatively, 3.8% of S&U shares are owned by institutional investors. 16.7% of Time Finance shares are owned by company insiders. Comparatively, 88.9% of S&U shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Does the media prefer TIME or SUS?

In the previous week, Time Finance had 6 more articles in the media than S&U. MarketBeat recorded 6 mentions for Time Finance and 0 mentions for S&U. Time Finance's average media sentiment score of 0.00 equaled S&U'saverage media sentiment score.

Company	Overall Sentiment
Time Finance	Neutral
S&U	Neutral

Is TIME or SUS more profitable?

S&U has a net margin of 28.21% compared to Time Finance's net margin of 13.43%. S&U's return on equity of 8.05% beat Time Finance's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Time Finance	13.43%	6.84%	2.26%
S&U	28.21%	8.05%	4.18%

Which has better earnings & valuation, TIME or SUS?

S&U has higher revenue and earnings than Time Finance. S&U is trading at a lower price-to-earnings ratio than Time Finance, 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
Time Finance	£32.57M	1.64	£4.38M	£4.87	12.01
S&U	£65.05M	3.12	£18.35M	£158.75	10.77

Which has more risk and volatility, TIME or SUS?

Time Finance has a beta of 1.69, meaning that its share price is 69% more volatile than the S&P 500. Comparatively, S&U has a beta of 0.55, meaning that its share price is 45% less volatile than the S&P 500.

Is TIME or SUS a better dividend stock?

Time Finance pays an annual dividend of GBX 1 per share and has a dividend yield of 1.7%. S&U pays an annual dividend of GBX 150 per share and has a dividend yield of 8.8%. Time Finance pays out 20.5% of its earnings in the form of a dividend. 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.

Do analysts prefer TIME or SUS?

S&U has a consensus price target of GBX 1,700, suggesting a potential downside of 0.58%. Given S&U's stronger consensus rating and higher possible upside, analysts plainly believe S&U is more favorable than Time Finance.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Time Finance	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
S&U	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Summary

S&U beats Time Finance on 11 of the 16 factors compared between the two stocks.