SECURITY NATL FINL CORP-CL A (SNFCA) Stock Fundamental Analysis
USA - NASDAQ:SNFCA - US8147853092 - Common Stock
7.79 USD
+0.03 (+0.39%)
7.79 USD
0 (0%)
Overall SNFCA gets a fundamental rating of 3 out of 10. We evaluated SNFCA against 99 industry peers in the Financial Services industry. SNFCA has a medium profitability rating, but doesn't score so well on its financial health evaluation. SNFCA has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year SNFCA was profitable.
SNFCA had a positive operating cash flow in the past year.
SNFCA had positive earnings in each of the past 5 years.
SNFCA had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
SNFCA has a Return On Assets of 1.19%. This is comparable to the rest of the industry: SNFCA outperforms 50.51% of its industry peers.
With a Return On Equity value of 5.10%, SNFCA is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
With a Return On Invested Capital value of 1.77%, SNFCA perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
SNFCA had an Average Return On Invested Capital over the past 3 years of 2.39%. This is significantly below the industry average of 8.15%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 5.1% | ||
| ROIC | 1.77% |
ROA(3y)1.52%
ROA(5y)2.14%
ROE(3y)7.08%
ROE(5y)11.1%
ROIC(3y)2.39%
ROIC(5y)3.52%
1.3 Margins
SNFCA has a Profit Margin of 5.49%. This is comparable to the rest of the industry: SNFCA outperforms 43.43% of its industry peers.
SNFCA's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 9.67%, SNFCA is in line with its industry, outperforming 41.41% of the companies in the same industry.
SNFCA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.67% | ||
| PM (TTM) | 5.49% | ||
| GM | N/A |
OM growth 3Y-3.03%
OM growth 5Y5.61%
PM growth 3Y-0.68%
PM growth 5Y15.9%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SNFCA is destroying value.
Compared to 1 year ago, SNFCA has more shares outstanding
SNFCA has more shares outstanding than it did 5 years ago.
The debt/assets ratio for SNFCA has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SNFCA is 3.26, which is a good value as it means it would take SNFCA, 3.26 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of SNFCA (3.26) is better than 72.73% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that SNFCA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.34, SNFCA is in line with its industry, outperforming 59.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 3.26 | ||
| Altman-Z | N/A |
ROIC/WACC0.26
WACC6.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SNFCA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -38.67%.
The Earnings Per Share has been growing by 19.64% on average over the past years. This is quite good.
Looking at the last year, SNFCA shows a small growth in Revenue. The Revenue has grown by 5.78% in the last year.
SNFCA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.09% yearly.
EPS 1Y (TTM)-38.67%
EPS 3Y-12.06%
EPS 5Y19.64%
EPS Q2Q%-34.32%
Revenue 1Y (TTM)5.78%
Revenue growth 3Y-11.82%
Revenue growth 5Y3.09%
Sales Q2Q%7.2%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.67, the valuation of SNFCA can be described as reasonable.
SNFCA's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 25.51. SNFCA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.67 | ||
| Fwd PE | N/A |
4.2 Price Multiples
SNFCA's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SNFCA is cheaper than 94.95% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, SNFCA is valued cheaper than 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.35 | ||
| EV/EBITDA | 4.02 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.54
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for SNFCA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
7.79
+0.03 (+0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners51.93%
Inst Owner Change4.74%
Ins Owners6.19%
Ins Owner Change0.34%
Market Cap202.38M
Revenue(TTM)339.10M
Net Income(TTM)18.62M
Analysts0
Price TargetN/A
Short Float %2.29%
Short Ratio11.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.67 | ||
| Fwd PE | N/A | ||
| P/S | 0.6 | ||
| P/FCF | 5.35 | ||
| P/OCF | 4.05 | ||
| P/B | 0.55 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | 4.02 |
EPS(TTM)0.73
EY9.37%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.45
FCFY18.68%
OCF(TTM)1.92
OCFY24.69%
SpS13.05
BVpS14.06
TBVpS13.86
PEG (NY)N/A
PEG (5Y)0.54
Graham Number15.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 5.1% | ||
| ROCE | 2.13% | ||
| ROIC | 1.77% | ||
| ROICexc | 1.9% | ||
| ROICexgc | 2.34% | ||
| OM | 9.67% | ||
| PM (TTM) | 5.49% | ||
| GM | N/A | ||
| FCFM | 11.15% |
ROA(3y)1.52%
ROA(5y)2.14%
ROE(3y)7.08%
ROE(5y)11.1%
ROIC(3y)2.39%
ROIC(5y)3.52%
ROICexc(3y)2.63%
ROICexc(5y)3.87%
ROICexgc(3y)3.28%
ROICexgc(5y)4.9%
ROCE(3y)2.86%
ROCE(5y)4.22%
ROICexgc growth 3Y-19.25%
ROICexgc growth 5Y2.69%
ROICexc growth 3Y-17.13%
ROICexc growth 5Y2.61%
OM growth 3Y-3.03%
OM growth 5Y5.61%
PM growth 3Y-0.68%
PM growth 5Y15.9%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 3.26 | ||
| Debt/EBITDA | 2.2 | ||
| Cap/Depr | 52.49% | ||
| Cap/Sales | 3.59% | ||
| Interest Coverage | 7.18 | ||
| Cash Conversion | 89.26% | ||
| Profit Quality | 203.02% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.89%
ROIC/WACC0.26
Cap/Depr(3y)19.82%
Cap/Depr(5y)18.66%
Cap/Sales(3y)1.43%
Cap/Sales(5y)1.14%
Profit Quality(3y)342.79%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-38.67%
EPS 3Y-12.06%
EPS 5Y19.64%
EPS Q2Q%-34.32%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.78%
Revenue growth 3Y-11.82%
Revenue growth 5Y3.09%
Sales Q2Q%7.2%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-17.55%
EBIT growth 3Y-14.49%
EBIT growth 5Y8.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3.84%
FCF growth 3Y-29.52%
FCF growth 5YN/A
OCF growth 1Y26.21%
OCF growth 3Y-26.54%
OCF growth 5YN/A
SECURITY NATL FINL CORP-CL A / SNFCA FAQ
What is the fundamental rating for SNFCA stock?
ChartMill assigns a fundamental rating of 3 / 10 to SNFCA.
Can you provide the valuation status for SECURITY NATL FINL CORP-CL A?
ChartMill assigns a valuation rating of 4 / 10 to SECURITY NATL FINL CORP-CL A (SNFCA). This can be considered as Fairly Valued.
Can you provide the profitability details for SECURITY NATL FINL CORP-CL A?
SECURITY NATL FINL CORP-CL A (SNFCA) has a profitability rating of 4 / 10.
What are the PE and PB ratios of SECURITY NATL FINL CORP-CL A (SNFCA) stock?
The Price/Earnings (PE) ratio for SECURITY NATL FINL CORP-CL A (SNFCA) is 10.67 and the Price/Book (PB) ratio is 0.55.