8.92 USD
-0.3 (-3.25%)
8.92 USD
0 (0%)
SNFCA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 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.
- Of the past 5 years SNFCA 4 years had a positive operating cash flow.
1.2 Ratios
- SNFCA's Return On Assets of 1.19% is in line compared to the rest of the industry. SNFCA outperforms 50.52% of its industry peers.
- The Return On Equity of SNFCA (5.10%) is worse than 63.92% of its industry peers.
- SNFCA has a Return On Invested Capital (1.77%) which is in line with its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for SNFCA is significantly below the industry average of 8.44%.
| 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 41.24% of its industry peers.
- SNFCA's Profit Margin has improved in the last couple of years.
- With a Operating Margin value of 9.67%, SNFCA perfoms like the industry average, outperforming 41.24% of the companies in the same industry.
- In the last couple of years the Operating Margin of SNFCA has grown nicely.
| 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
- SNFCA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for SNFCA has been increased compared to 1 year ago.
- The number of shares outstanding for SNFCA has been increased compared to 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 70.10% of its industry peers.
- SNFCA has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of SNFCA (0.34) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 3.26 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
WACC7.83%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for SNFCA have decreased strongly by -38.67% in the last year.
- 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.
- The Revenue has been growing slightly by 3.09% on average over the past years.
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
- The Price/Earnings ratio is 12.22, which indicates a correct valuation of SNFCA.
- SNFCA's Price/Earnings is on the same level as the industry average.
- SNFCA is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.22 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SNFCA indicates a rather cheap valuation: SNFCA is cheaper than 94.85% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, SNFCA is valued cheaper than 89.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.13 | ||
| EV/EBITDA | 4.68 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.62
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for SNFCA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
8.92
-0.3 (-3.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13 2025-11-13/bmo
Earnings (Next)03-30 2026-03-30
Inst Owners52.15%
Inst Owner Change0%
Ins Owners6.24%
Ins Owner Change0.31%
Market Cap231.83M
Revenue(TTM)339.10M
Net Income(TTM)18.62M
Analysts0
Price TargetN/A
Short Float %2.47%
Short Ratio12.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 | 12.22 | ||
| Fwd PE | N/A | ||
| P/S | 0.68 | ||
| P/FCF | 6.13 | ||
| P/OCF | 4.64 | ||
| P/B | 0.63 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | 4.68 |
EPS(TTM)0.73
EY8.18%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.45
FCFY16.3%
OCF(TTM)1.92
OCFY21.56%
SpS13.05
BVpS14.06
TBVpS13.86
PEG (NY)N/A
PEG (5Y)0.62
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
WACC7.83%
ROIC/WACC0.23
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.
What is the valuation status of SECURITY NATL FINL CORP-CL A (SNFCA) stock?
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.