Security National Financial Corporation
Security National Financial Corporation Fundamental Analysis
Security National Financial Corporation (SNFCA) shows moderate financial fundamentals with a PE ratio of 6.28, profit margin of 18.85%, and ROE of 8.71%. The company generates $0.2B in annual revenue with moderate year-over-year growth of 5.03%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 48.5/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SNFCA's fundamental strength across five key dimensions:
Efficiency Score
WeakSNFCA struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSNFCA trades at attractive valuation levels.
Growth Score
ExcellentSNFCA delivers strong and consistent growth momentum.
Financial Health Score
ModerateSNFCA shows balanced financial health with some risks.
Profitability Score
ModerateSNFCA maintains healthy but balanced margins.
Key Financial Metrics
Is SNFCA Expensive or Cheap?
P/E Ratio
SNFCA trades at 6.28 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SNFCA's PEG of 0.08 indicates potential undervaluation.
Price to Book
The market values Security National Financial Corporation at 0.49 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.50 times EBITDA. This is generally considered low.
How Well Does SNFCA Make Money?
Net Profit Margin
For every $100 in sales, Security National Financial Corporation keeps $18.85 as profit after all expenses.
Operating Margin
Core operations generate 24.27 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.71 in profit for every $100 of shareholder equity.
ROA
Security National Financial Corporation generates $2.08 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Security National Financial Corporation generates strong operating cash flow of $47.89M, reflecting robust business health.
Free Cash Flow
Security National Financial Corporation generates strong free cash flow of $46.11M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.06 in free cash annually.
FCF Yield
SNFCA converts 20.60% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.28
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.08
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.49
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.24
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.25
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.002
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
-0.00
vs 25 benchmark
How SNFCA Stacks Against Its Sector Peers
| Metric | SNFCA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.28 | 18.56 | Better (Cheaper) |
| ROE | 8.71% | 828.00% | Weak |
| Net Margin | 18.85% | -175.00% (disorted) | Strong |
| Debt/Equity | 0.25 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 663.54 | Weak Liquidity |
| ROA | 2.08% | -21308.00% (disorted) | Weak |
SNFCA outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Security National Financial Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
8.92%
Industry Style: Value, Dividend, Cyclical
GrowingEPS CAGR
124.51%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
169.88%
Industry Style: Value, Dividend, Cyclical
High Growth