State National Companies, Inc.
State National Companies, Inc. Fundamental Analysis
State National Companies, Inc. (SNC) shows moderate financial fundamentals with a PE ratio of 18.01, profit margin of 22.61%, and ROE of 17.53%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 70.6/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze SNC's fundamental strength across five key dimensions:
Efficiency Score
WeakSNC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSNC trades at attractive valuation levels.
Growth Score
WeakSNC faces weak or negative growth trends.
Financial Health Score
ModerateSNC shows balanced financial health with some risks.
Profitability Score
ModerateSNC maintains healthy but balanced margins.
Key Financial Metrics
Is SNC Expensive or Cheap?
P/E Ratio
SNC trades at 18.01 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, SNC's PEG of 0.18 indicates potential undervaluation.
Price to Book
The market values State National Companies, Inc. at 2.98 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.57 times EBITDA. This is generally considered low.
How Well Does SNC Make Money?
Net Profit Margin
For every $100 in sales, State National Companies, Inc. keeps $22.61 as profit after all expenses.
Operating Margin
Core operations generate 35.39 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.53 in profit for every $100 of shareholder equity.
ROA
State National Companies, Inc. generates $1.71 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $1.67 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
18.01
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.18
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.98
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.15
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.59
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.18
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How SNC Stacks Against Its Sector Peers
| Metric | SNC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 18.01 | 18.56 | Neutral |
| ROE | 17.53% | 828.00% | Weak |
| Net Margin | 22.61% | -175.00% (disorted) | Strong |
| Debt/Equity | 0.15 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.59 | 663.54 | Weak Liquidity |
| ROA | 1.71% | -21308.00% (disorted) | Weak |
SNC outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews State National Companies, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical