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6.94 (1y: +233%)
Market Cap 85.14 M P/E(ttm) 5.00
Enterprise Value 85.14 M P/B 1.00
SNFCA- NAS (USA)
Security National Financial Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$6.94
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry		 vs
history
Cash to Debt No Debt
SNFCA's Cash to Debt is ranked higher than
95% of the 77 Companies
in the Global Credit Services industry.

( Industry Median: 0.20 vs. SNFCA: No Debt )
SNFCA' s 10-Year Cash to Debt Range
Min: 0.39   Max: No Debt
Current: No Debt
Equity to Asset 0.128
SNFCA's Equity to Asset is ranked lower than
79% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 0.30 vs. SNFCA: 0.128 )
SNFCA' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.14
Current: 0.13
0.11
0.14
Interest Coverage 5.7
SNFCA's Interest Coverage is ranked lower than
85% of the 74 Companies
in the Global Credit Services industry.

( Industry Median: 10000.00 vs. SNFCA: 5.7 )
SNFCA' s 10-Year Interest Coverage Range
Min: 0   Max: 26
Current: 5.7
0
26
F-Score: 5
Z-Score: 0.69
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry		 vs
history
Operating margin (%) 9.10
SNFCA's Operating margin (%) is ranked lower than
91% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 27.70 vs. SNFCA: 9.10 )
SNFCA' s 10-Year Operating margin (%) Range
Min: -0.6   Max: 50.8
Current: 9.1
-0.6
50.8
Net-margin (%) 7.1
SNFCA's Net-margin (%) is ranked lower than
82% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 19.80 vs. SNFCA: 7.1 )
SNFCA' s 10-Year Net-margin (%) Range
Min: -0.3   Max: 7.1
Current: 7.1
-0.3
7.1
ROE (%) 20.9
SNFCA's ROE (%) is ranked higher than
80% of the 70 Companies
in the Global Credit Services industry.

( Industry Median: 11.30 vs. SNFCA: 20.9 )
SNFCA' s 10-Year ROE (%) Range
Min: -0.7   Max: 20.9
Current: 20.9
-0.7
20.9
ROA (%) 2.8
SNFCA's ROA (%) is ranked lower than
56% of the 70 Companies
in the Global Credit Services industry.

( Industry Median: 3.00 vs. SNFCA: 2.8 )
SNFCA' s 10-Year ROA (%) Range
Min: -0.1   Max: 2.8
Current: 2.8
-0.1
2.8
Revenue Growth (%) -1.2
SNFCA's Revenue Growth (%) is ranked lower than
2564100% of the 39 Companies
in the Global Credit Services industry.

( Industry Median: 7.20 vs. SNFCA: -1.2 )
SNFCA' s 10-Year Revenue Growth (%) Range
Min: -9   Max: 20.1
Current: -1.2
-9
20.1
EBITDA Growth (%) 23.8
SNFCA's EBITDA Growth (%) is ranked higher than
84% of the 37 Companies
in the Global Credit Services industry.

( Industry Median: 12.90 vs. SNFCA: 23.8 )
SNFCA' s 10-Year EBITDA Growth (%) Range
Min: -47.4   Max: 26.8
Current: 23.8
-47.4
26.8
EPS Growth (%) 41
SNFCA's EPS Growth (%) is ranked higher than
79% of the 38 Companies
in the Global Credit Services industry.

( Industry Median: 16.80 vs. SNFCA: 41 )
SNFCA' s 10-Year EPS Growth (%) Range
Min: -38.5   Max: 60.4
Current: 41
-38.5
60.4
ยป SNFCA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

SNFCA Guru Trades in

SNFCA Guru Trades in

Q4 2012

SNFCA Guru Trades in Q4 2012

Jim Simons 82,994 sh (New)
» More
Q1 2013

SNFCA Guru Trades in Q1 2013

Jim Simons 89,042 sh (+2.18%)
» More
» Details

Insider Trades

Latest Guru Trades with SNFCA



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 5.00
SNFCA's P/E(ttm) is ranked higher than
90% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 12.60 vs. SNFCA: 5.00 )
SNFCA' s 10-Year P/E(ttm) Range
Min: 2.51   Max: 272.17
Current: 5
2.51
272.17
P/B 1.00
SNFCA's P/B is ranked higher than
64% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. SNFCA: 1.00 )
SNFCA' s 10-Year P/B Range
Min: 0.16   Max: 2.44
Current: 1
0.16
2.44
P/S 0.33
SNFCA's P/S is ranked higher than
96% of the 82 Companies
in the Global Credit Services industry.

( Industry Median: 2.64 vs. SNFCA: 0.33 )
SNFCA' s 10-Year P/S Range
Min: 0.04   Max: 0.64
Current: 0.33
0.04
0.64
PFCF 49.60
SNFCA's PFCF is ranked lower than
94% of the 53 Companies
in the Global Credit Services industry.

( Industry Median: 8.30 vs. SNFCA: 49.60 )
SNFCA' s 10-Year PFCF Range
Min: 0.14   Max: 165.7
Current: 49.6
0.14
165.7
EV-to-EBIT 3.8
SNFCA's EV-to-EBIT is ranked higher than
93% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. SNFCA: 3.8 )
SNFCA' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 44.9
Current: 3.8
0.1
44.9
PEG 0.1
SNFCA's PEG is ranked higher than
97% of the 31 Companies
in the Global Credit Services industry.

( Industry Median: 0.62 vs. SNFCA: 0.1 )
SNFCA' s 10-Year PEG Range
Min: 0.03   Max: 2.14
Current: 0.1
0.03
2.14
Shiller P/E 18.2
SNFCA's Shiller P/E is ranked lower than
100% of the Companies
in the Global Credit Services industry.

( Industry Median: vs. SNFCA: 18.2 )
SNFCA' s 10-Year Shiller P/E Range
Min: 2   Max: 36.61
Current: 18.2
2
36.61

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1
SNFCA's Price/Tangible Book is ranked higher than
65% of the 77 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. SNFCA: 1 )
SNFCA' s 10-Year Price/Tangible Book Range
Min: 0.3   Max: 1.2
Current: 1
0.3
1.2
Price/DCF (Projected) 0.5
SNFCA's Price/DCF (Projected) is ranked higher than
59% of the 34 Companies
in the Global Credit Services industry.

( Industry Median: 0.60 vs. SNFCA: 0.5 )
SNFCA' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.5
Current: 0.5
0.1
0.5
Price/Median PS Value 2.4
SNFCA's Price/Median PS Value is ranked lower than
84% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. SNFCA: 2.4 )
SNFCA' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 2.5
Current: 2.4
0.4
2.5
Price/Graham Number 0.5
SNFCA's Price/Graham Number is ranked higher than
89% of the 71 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. SNFCA: 0.5 )
SNFCA' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 0.6
Current: 0.5
0.3
0.6
Earnings Yield (Greenblatt) 26.40
SNFCA's Earnings Yield (Greenblatt) is ranked higher than
93% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 6.80 vs. SNFCA: 26.40 )
SNFCA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 28380.7
Current: 26.4
2.2
28380.7
Forward Rate of Return (Yacktman) 24.24
SNFCA's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 36 Companies
in the Global Credit Services industry.

( Industry Median: 18.55 vs. SNFCA: 24.24 )
SNFCA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -57.3   Max: 365.2
Current: 24.24
-57.3
365.2

Business Description

Security National Financial Corporation was organized as a holding company in 1979. The Company operates in three main business segments: life insurance, cemetery and mortuary, and mortgage loans. The life insurance segment is engaged in the business of selling and servicing selected lines of life insurance, annuity products and accident and health insurance. These products are marketed in 38 states through a commissioned sales force of independent licensed insurance agents who may also sell insurance products of other companies. The cemetery and mortuary segment of the Company consists of five cemeteries in the state of Utah and one cemetery in the state of California, and seven mortuaries in the state of Utah and one mortuary in the state of Arizona. The Company also engages in pre-need selling of funeral, cemetery, mortuary and cremation services through its Utah, Arizona and California operations. Many of the insurance agents also sell pre-need funeral, cemetery and cremation services. The mortgage loan segment is an approved government and conventional lender that originates and underwrites or otherwise purchases residential and commercial loans for new construction, existing homes and real estate projects. The mortgage loan segment operates through 73 wholesale and retail offices in sixteen states, and is an approved mortgage lender in several other states. Company's insurance subsidiaries, Security National Life, Memorial Insurance Company and Southern Security are subject to comprehensive regulation in the jurisdictions in which they do business.
Company Website
SEC Reports
Industry: Credit Services
Compare:V, MA, TCAP, RDCRL, AXP
ยป More Articles for SNFCA

Headlines

Articles On GuruFocus.com
Security National Financial Corporation and the Madness of Crowds Feb 21 2013 
Security National Financial Corp. Reports Operating Results (10-Q) Nov 15 2010 
Security National Financial Corp. Reports Operating Results (10-Q) Aug 16 2010 
Security National Financial Corp. Reports Operating Results (10-Q) May 14 2010 
Security National Financial Corp. Reports Operating Results (10-Q) Nov 13 2009 
Security National Financial Corp. Reports Operating Results (10-Q) Aug 14 2009 
Security National Financial Corp. Reports Operating Results (10-Q) May 15 2009 

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