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 compare the two businesses based on the strength of their community ranking, risk, analyst recommendations, earnings, media sentiment, dividends, profitability, institutional ownership and valuation.

Which has better earnings & 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$711.26M	3.40	C$227.90M	C$3.80	10.61

Does the media refer more to HCG or FN?

In the previous week, First National Financial had 4 more articles in the media than Home Capital Group. MarketBeat recorded 4 mentions for First National Financial and 0 mentions for Home Capital Group. First National Financial's average media sentiment score of 1.00 beat Home Capital Group'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

Do analysts rate HCG or FN?

First National Financial has a consensus price target of C$42.67, suggesting a potential upside of 5.87%. Given First National Financial's stronger consensus rating and higher probable upside, analysts clearly believe First National 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
First National Financial	0 Sell rating(s)	4 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.33

Which has more volatility and risk, HCG or FN?

Home Capital Group has a beta of 1.94, suggesting that its stock price is 94% more volatile than the S&P 500. Comparatively, First National Financial has a beta of 1.04, suggesting that its stock price is 4% more volatile than the S&P 500.

Do insiders & institutionals hold more shares of HCG or FN?

33.1% of Home Capital Group shares are held by institutional investors. Comparatively, 4.0% of First National Financial shares are held by institutional investors. 0.6% of Home Capital Group shares are held by company insiders. Comparatively, 71.5% of First National Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Does the MarketBeat Community believe in HCG or FN?

Home Capital Group received 105 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 44.02% 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 228 44.02%	Underperform Votes 290 55.98%

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 6.1%. Home Capital Group pays out 13.4% of its earnings in the form of a dividend. First National Financial pays out 64.5% 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.

Is HCG or FN more profitable?

Home Capital Group has a net margin of 33.98% compared to First National Financial's net margin of 32.60%. First National Financial's return on equity of 30.22% beat Home Capital Group'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	32.60%	30.22%	0.48%

Summary

First National Financial beats Home Capital Group on 11 of the 19 factors compared between the two stocks.