SECURITY NATL FINL CORP-CL A (SNFCA)
US8147853092 - Common Stock
SNFCA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. Both the profitability and financial health of SNFCA have multiple concerns. SNFCA has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
SNFCA had positive earnings in the past year.
In the past year SNFCA had a positive cash flow from operations.
SNFCA had positive earnings in each of the past 5 years.
In multiple years SNFCA reported negative operating cash flow during the last 5 years.
1.2 Ratios
SNFCA's Return On Assets of 1.01% is in line compared to the rest of the industry. SNFCA outperforms 46.08% of its industry peers.
With a Return On Equity value of 4.62%, SNFCA perfoms like the industry average, outperforming 40.20% of the companies in the same industry.
The Return On Invested Capital of SNFCA (1.49%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for SNFCA is significantly below the industry average of 7.99%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 4.62% | ||
| ROIC | 1.49% |
ROA(3y)1.77%
ROA(5y)1.95%
ROE(3y)8.86%
ROE(5y)10.64%
ROIC(3y)2.94%
ROIC(5y)3.38%
1.3 Margins
SNFCA has a Profit Margin (4.54%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of SNFCA has declined.
SNFCA's Operating Margin of 8.09% is in line compared to the rest of the industry. SNFCA outperforms 42.16% of its industry peers.
SNFCA's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.09% | ||
| PM (TTM) | 4.54% | ||
| GM | N/A |
OM growth 3Y-25.31%
OM growth 5Y-10.55%
PM growth 3Y-27.58%
PM growth 5Y-10.12%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SNFCA is destroying value.
SNFCA has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, SNFCA has more shares outstanding
SNFCA has a better debt/assets ratio than last year.
2.2 Solvency
SNFCA has a debt to FCF ratio of 2.12. This is a good value and a sign of high solvency as SNFCA would need 2.12 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.12, SNFCA is in the better half of the industry, outperforming 75.49% of the companies in the same industry.
SNFCA has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
SNFCA has a Debt to Equity ratio (0.34) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 2.12 | ||
| Altman-Z | N/A |
ROIC/WACC0.21
WACC7.2%
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 -42.98%.
The Earnings Per Share has been decreasing by -8.74% on average over the past years.
Looking at the last year, SNFCA shows a very negative growth in Revenue. The Revenue has decreased by -22.07% in the last year.
SNFCA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.63% yearly.
EPS 1Y (TTM)-42.98%
EPS 3Y-36.45%
EPS 5Y-8.74%
EPS growth Q2Q-86.6%
Revenue 1Y (TTM)-22.07%
Revenue growth 3Y-11.79%
Revenue growth 5Y2.63%
Revenue growth Q2Q-33.11%
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
A Price/Earnings ratio of 11.98 indicates a reasonable valuation of SNFCA.
Based on the Price/Earnings ratio, SNFCA is valued a bit cheaper than 73.53% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.56, SNFCA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.98 | ||
| 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 96.08% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, SNFCA is valued cheaper than 95.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.38 | ||
| EV/EBITDA | 2.48 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SNFCA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SECURITY NATL FINL CORP-CL A
NASDAQ:SNFCA (5/14/2024, 7:01:29 PM)
After market: 7.55 0 (0%)7.55
+0.89 (+13.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap167.84M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.98 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 4.62% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 8.09% | ||
| PM (TTM) | 4.54% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-42.98%
EPS 3Y-36.45%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-22.07%
Revenue growth 3Y-11.79%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y