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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’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 1.13
SNFCA's Cash to Debt is ranked lower than
61% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. SNFCA: 1.13 )
Ranked among companies with meaningful Cash to Debt only.
SNFCA' s Cash to Debt Range Over the Past 10 Years
Min: 0.19  Med: 1.82 Max: N/A
Current: 1.13
Equity to Asset 0.15
SNFCA's Equity to Asset is ranked lower than
83% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 vs. SNFCA: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
SNFCA' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.13 Max: 0.2
Current: 0.15
0.1
0.2
Interest Coverage 4.34
SNFCA's Interest Coverage is ranked higher than
53% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 3.59 vs. SNFCA: 4.34 )
Ranked among companies with meaningful Interest Coverage only.
SNFCA' s Interest Coverage Range Over the Past 10 Years
Min: 0.1  Med: 1.96 Max: 5.7
Current: 4.34
0.1
5.7
F-Score: 4
M-Score: -2.67
WACC vs ROIC
3.63%
16.46%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 : 4/10

vs
industry
vs
history
Operating margin (%) 6.90
SNFCA's Operating margin (%) is ranked lower than
68% of the 340 Companies
in the Global Credit Services industry.

( Industry Median: 20.44 vs. SNFCA: 6.90 )
Ranked among companies with meaningful Operating margin (%) only.
SNFCA' s Operating margin (%) Range Over the Past 10 Years
Min: -0.65  Med: 5.03 Max: 9.11
Current: 6.9
-0.65
9.11
Net-margin (%) 4.40
SNFCA's Net-margin (%) is ranked lower than
68% of the 340 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. SNFCA: 4.40 )
Ranked among companies with meaningful Net-margin (%) only.
SNFCA' s Net-margin (%) Range Over the Past 10 Years
Min: -0.26  Med: 2.21 Max: 7.13
Current: 4.4
-0.26
7.13
ROE (%) 11.60
SNFCA's ROE (%) is ranked higher than
65% of the 327 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. SNFCA: 11.60 )
Ranked among companies with meaningful ROE (%) only.
SNFCA' s ROE (%) Range Over the Past 10 Years
Min: -0.72  Med: 7.50 Max: 23.7
Current: 11.6
-0.72
23.7
ROA (%) 1.70
SNFCA's ROA (%) is ranked lower than
56% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. SNFCA: 1.70 )
Ranked among companies with meaningful ROA (%) only.
SNFCA' s ROA (%) Range Over the Past 10 Years
Min: -0.09  Med: 0.93 Max: 2.99
Current: 1.7
-0.09
2.99
Revenue Growth (3Y)(%) 8.20
SNFCA's Revenue Growth (3Y)(%) is ranked higher than
58% of the 242 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. SNFCA: 8.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SNFCA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.8  Med: 7.70 Max: 68.5
Current: 8.2
-11.8
68.5
EBITDA Growth (3Y)(%) 48.10
SNFCA's EBITDA Growth (3Y)(%) is ranked higher than
86% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 6.90 vs. SNFCA: 48.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SNFCA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -37.8  Med: 9.15 Max: 48.1
Current: 48.1
-37.8
48.1
EPS Growth (3Y)(%) 74.80
SNFCA's EPS Growth (3Y)(%) is ranked higher than
93% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 3.20 vs. SNFCA: 74.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SNFCA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -47.4  Med: -3.70 Max: 88.9
Current: 74.8
-47.4
88.9
» SNFCA's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-17)


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

» Details

Guru Trades

Q2 2015

SNFCA Guru Trades in Q2 2015

Jim Simons 26,485 sh (+34.30%)
» More
Q3 2015

SNFCA Guru Trades in Q3 2015

Jim Simons 61,495 sh (+132.19%)
» More
Q4 2015

SNFCA Guru Trades in Q4 2015

Jim Simons 67,497 sh (+15.25%)
» More
Q1 2016

SNFCA Guru Trades in Q1 2016

Jim Simons 70,368 sh (-0.71%)
» More
» Details

Insider Trades

Latest Guru Trades with SNFCA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Credit Services » Credit Services
Compare:OTCPK:ACCFF, NAS:NICK, NYSE:FMD, NAS:CPSS, NAS:ATLC, OTCPK:FAHLF, NAS:LOAN, OTCPK:FFMH, OTCPK:CCGN, OTCPK:MFTGF, NAS:LMFA, OTCPK:RRFFF, OTCPK:TRYF, NAS:CCCR, NAS:ASFI, OTCPK:LNDZF, OTCPK:NXCN, OTCPK:JGWE, OTCPK:INPCF, OTCPK:MITJF » details
Traded in other countries:XSNA.Germany,
Security National Financial Corp and its subsidiaries operate in three business segments: life insurance, cemetery & mortuary and mortgage loans.

Security National Financial Corp was organized as a holding company on 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 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 88 wholesale and retail offices in 19 states, and is an approved mortgage lender in several other states. The Company, through Security National Life, issues and distributes selected lines of life insurance and annuities. Its life insurance business includes funeral plans, and interest-sensitive life insurance, as well as other traditional life, accident and health insurance products. The Company sells its life insurance products through direct agents, brokers and independent licensed agents who also sell insurance products of other companies. Its insurance subsidiaries compete with a large number of insurance companies, many of which have greater financial resources, a longer business history, and more diversified line of insurance coverage than the Company. It is currently subject to regulation in Utah, Arkansas, Mississippi and Texas under insurance holding company legislation and other states where applicable.

Ratios

vs
industry
vs
history
P/E(ttm) 5.80
SNFCA's P/E(ttm) is ranked higher than
86% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 14.00 vs. SNFCA: 5.80 )
Ranked among companies with meaningful P/E(ttm) only.
SNFCA' s P/E(ttm) Range Over the Past 10 Years
Min: 2.63  Med: 7.44 Max: 295
Current: 5.8
2.63
295
PE(NRI) 5.77
SNFCA's PE(NRI) is ranked higher than
86% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 14.00 vs. SNFCA: 5.77 )
Ranked among companies with meaningful PE(NRI) only.
SNFCA' s PE(NRI) Range Over the Past 10 Years
Min: 2.74  Med: 7.38 Max: 118
Current: 5.77
2.74
118
Price/Owner Earnings (ttm) 6.83
SNFCA's Price/Owner Earnings (ttm) is ranked higher than
69% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 10.45 vs. SNFCA: 6.83 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SNFCA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.49  Med: 12.81 Max: 70
Current: 6.83
3.49
70
P/B 0.62
SNFCA's P/B is ranked higher than
71% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 1.06 vs. SNFCA: 0.62 )
Ranked among companies with meaningful P/B only.
SNFCA' s P/B Range Over the Past 10 Years
Min: 0.16  Med: 0.57 Max: 1.87
Current: 0.62
0.16
1.87
P/S 0.26
SNFCA's P/S is ranked higher than
97% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 3.10 vs. SNFCA: 0.26 )
Ranked among companies with meaningful P/S only.
SNFCA' s P/S Range Over the Past 10 Years
Min: 0.04  Med: 0.18 Max: 0.6
Current: 0.26
0.04
0.6
PFCF 13.42
SNFCA's PFCF is ranked lower than
66% of the 73 Companies
in the Global Credit Services industry.

( Industry Median: 7.77 vs. SNFCA: 13.42 )
Ranked among companies with meaningful PFCF only.
SNFCA' s PFCF Range Over the Past 10 Years
Min: 0.13  Med: 1.78 Max: 26.84
Current: 13.42
0.13
26.84
POCF 7.39
SNFCA's POCF is ranked higher than
51% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 7.16 vs. SNFCA: 7.39 )
Ranked among companies with meaningful POCF only.
SNFCA' s POCF Range Over the Past 10 Years
Min: 0.13  Med: 1.86 Max: 98.86
Current: 7.39
0.13
98.86
EV-to-EBIT 2.03
SNFCA's EV-to-EBIT is ranked higher than
96% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 16.22 vs. SNFCA: 2.03 )
Ranked among companies with meaningful EV-to-EBIT only.
SNFCA' s EV-to-EBIT Range Over the Past 10 Years
Min: -27.7  Med: 1.30 Max: 5.6
Current: 2.03
-27.7
5.6
EV-to-EBITDA 1.88
SNFCA's EV-to-EBITDA is ranked higher than
97% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 14.14 vs. SNFCA: 1.88 )
Ranked among companies with meaningful EV-to-EBITDA only.
SNFCA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -27.7  Med: 1.30 Max: 5.6
Current: 1.88
-27.7
5.6
PEG 0.25
SNFCA's PEG is ranked higher than
84% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 0.66 vs. SNFCA: 0.25 )
Ranked among companies with meaningful PEG only.
SNFCA' s PEG Range Over the Past 10 Years
Min: 0.09  Med: 1.04 Max: 128.2
Current: 0.25
0.09
128.2
Shiller P/E 10.58
SNFCA's Shiller P/E is ranked higher than
66% of the 38 Companies
in the Global Credit Services industry.

( Industry Median: 12.08 vs. SNFCA: 10.58 )
Ranked among companies with meaningful Shiller P/E only.
SNFCA' s Shiller P/E Range Over the Past 10 Years
Min: 2.46  Med: 8.92 Max: 28.48
Current: 10.58
2.46
28.48

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.81
SNFCA's Price/Tangible Book is ranked higher than
63% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 1.15 vs. SNFCA: 0.81 )
Ranked among companies with meaningful Price/Tangible Book only.
SNFCA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.2  Med: 0.58 Max: 1.24
Current: 0.81
0.2
1.24
Price/Projected FCF 0.30
SNFCA's Price/Projected FCF is ranked higher than
84% of the 73 Companies
in the Global Credit Services industry.

( Industry Median: 0.77 vs. SNFCA: 0.30 )
Ranked among companies with meaningful Price/Projected FCF only.
SNFCA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.23 Max: 1.72
Current: 0.3
0.04
1.72
Price/Median PS Value 1.38
SNFCA's Price/Median PS Value is ranked lower than
80% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 0.91 vs. SNFCA: 1.38 )
Ranked among companies with meaningful Price/Median PS Value only.
SNFCA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.37  Med: 1.20 Max: 3.42
Current: 1.38
0.37
3.42
Price/Peter Lynch Fair Value 0.23
SNFCA's Price/Peter Lynch Fair Value is ranked higher than
90% of the 41 Companies
in the Global Credit Services industry.

( Industry Median: 0.86 vs. SNFCA: 0.23 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SNFCA' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.17  Med: 0.42 Max: 1.55
Current: 0.23
0.17
1.55
Price/Graham Number 0.45
SNFCA's Price/Graham Number is ranked higher than
81% of the 162 Companies
in the Global Credit Services industry.

( Industry Median: 0.84 vs. SNFCA: 0.45 )
Ranked among companies with meaningful Price/Graham Number only.
SNFCA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.19  Med: 0.49 Max: 1.33
Current: 0.45
0.19
1.33
Earnings Yield (Greenblatt) (%) 49.14
SNFCA's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 328 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. SNFCA: 49.14 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SNFCA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 17.8  Med: 54.25 Max: 4881.8
Current: 49.14
17.8
4881.8
Forward Rate of Return (Yacktman) (%) 82.20
SNFCA's Forward Rate of Return (Yacktman) (%) is ranked higher than
97% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 5.22 vs. SNFCA: 82.20 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SNFCA' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 12.4  Med: 46.50 Max: 339.4
Current: 82.2
12.4
339.4

More Statistics

Revenue (TTM) (Mil) $285.1
EPS (TTM) $ 0.84
Beta0.02
Short Percentage of Float0.19%
52-Week Range $4.25 - 7.90
Shares Outstanding (Mil)14.85
» 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 

More From Other Websites
Security National Financial Corp. :SNFCA-US: Earnings Analysis: Q1, 2016 By the Numbers : June 7,... Jun 07 2016
SECURITY NATIONAL FINANCIAL CORP Financials May 24 2016
Security National Financial posts 1Q profit May 16 2016
Security National Financial posts 1Q profit May 16 2016
Security National Financial Corporation Reports Financial Results for the First Quarter of 2016 May 16 2016
Security National Financial Corporation Reports Financial Results for the First Quarter of 2016 May 16 2016
SECURITY NATIONAL FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 16 2016
SecurityNational Mortgage Surpasses $2 Billion in Mortgage Servicing Rights Apr 11 2016
SecurityNational Mortgage Surpasses $2 Billion in Mortgage Servicing Rights Apr 11 2016
Security National Financial Corp. :SNFCA-US: Earnings Analysis: 2015 By the Numbers Apr 06 2016
Security National Financial Corporation to Hold Investor Call Regarding 2015 Financial Results Mar 31 2016
Security National Financial Corporation to Hold Investor Call Regarding 2015 Financial Results Mar 31 2016
Security National Financial posts 4Q profit Mar 30 2016
Security National Financial posts 4Q profit Mar 30 2016
SECURITY NATIONAL FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 30 2016
Security National Financial Corporation Seeks to Acquire First Guaranty Insurance Company Mar 22 2016
CareCap and At Need Credit Announce Alliance with Funeral Funding Leaders Mar 22 2016
SECURITY NATIONAL FINANCIAL CORP Files SEC form 8-K, Other Events Mar 21 2016
Security National Financial Corporation Announces Stock Dividend Dec 14 2015
Security National Financial Corporation Announces Stock Dividend Dec 14 2015

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