8.62 USD
-0.02 (-0.23%)
8.62 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to SNFCA. SNFCA was compared to 98 industry peers in the Financial Services industry. While SNFCA is still in line with the averages on profitability rating, there are concerns on its financial health. SNFCA is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year SNFCA was profitable.
In the past year SNFCA had a positive cash flow from operations.
Each year in the past 5 years SNFCA has been profitable.
Of the past 5 years SNFCA 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SNFCA (1.19%) is comparable to the rest of the industry.
SNFCA has a worse Return On Equity (5.10%) than 65.31% of its industry peers.
The Return On Invested Capital of SNFCA (1.77%) is comparable to the rest of the 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 8.20%.
| 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 (5.49%) which is comparable to the rest of the industry.
SNFCA's Profit Margin has improved in the last couple of years.
The Operating Margin of SNFCA (9.67%) is worse than 60.20% of its industry peers.
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
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
The number of shares outstanding for SNFCA has been increased compared to 5 years ago.
SNFCA has a better debt/assets ratio than last year.
2.2 Solvency
SNFCA has a debt to FCF ratio of 3.26. This is a good value and a sign of high solvency as SNFCA would need 3.26 years to pay back of all of its debts.
SNFCA's Debt to FCF ratio of 3.26 is fine compared to the rest of the industry. SNFCA outperforms 71.43% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that SNFCA is not too dependend on debt financing.
SNFCA has a Debt to Equity ratio of 0.34. This is comparable to the rest of the industry: SNFCA outperforms 58.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 3.26 | ||
| Altman-Z | N/A |
ROIC/WACC0.26
WACC6.93%
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.
SNFCA shows a small growth in Revenue. In the last year, the Revenue has grown by 5.78%.
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
SNFCA is valuated reasonably with a Price/Earnings ratio of 11.81.
SNFCA's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of SNFCA to the average of the S&P500 Index (26.31), we can say SNFCA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.81 | ||
| Fwd PE | N/A |
4.2 Price Multiples
95.92% of the companies in the same industry are more expensive than SNFCA, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, SNFCA is valued cheaper than 90.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.93 | ||
| EV/EBITDA | 4.42 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.6
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 |
8.62
-0.02 (-0.23%)
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 Change0.11%
Market Cap224.03M
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 | 11.81 | ||
| Fwd PE | N/A | ||
| P/S | 0.66 | ||
| P/FCF | 5.93 | ||
| P/OCF | 4.48 | ||
| P/B | 0.61 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 4.42 |
EPS(TTM)0.73
EY8.47%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.45
FCFY16.87%
OCF(TTM)1.92
OCFY22.31%
SpS13.05
BVpS14.06
TBVpS13.86
PEG (NY)N/A
PEG (5Y)0.6
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
WACC6.93%
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 11.81 and the Price/Book (PB) ratio is 0.61.