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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 1.45
SNFCA's Cash to Debt is ranked lower than
54% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 6.06 vs. SNFCA: 1.45 )
Ranked among companies with meaningful Cash to Debt only.
SNFCA' s 10-Year Cash to Debt Range
Min: 0.19  Med: 1.47 Max: N/A
Current: 1.45
Equity to Asset 0.14
SNFCA's Equity to Asset is ranked lower than
80% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. SNFCA: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
SNFCA' s 10-Year Equity to Asset Range
Min: 0.1  Med: 0.13 Max: 0.2
Current: 0.14
0.1
0.2
Interest Coverage 4.17
SNFCA's Interest Coverage is ranked lower than
63% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 16.15 vs. SNFCA: 4.17 )
Ranked among companies with meaningful Interest Coverage only.
SNFCA' s 10-Year Interest Coverage Range
Min: 0.1  Med: 2.30 Max: 26.07
Current: 4.17
0.1
26.07
F-Score: 3
WACC vs ROIC
4.98%
16.62%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 6.61
SNFCA's Operating margin (%) is ranked lower than
73% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. SNFCA: 6.61 )
Ranked among companies with meaningful Operating margin (%) only.
SNFCA' s 10-Year Operating margin (%) Range
Min: -0.65  Med: 7.61 Max: 50.83
Current: 6.61
-0.65
50.83
Net-margin (%) 4.08
SNFCA's Net-margin (%) is ranked lower than
75% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 17.41 vs. SNFCA: 4.08 )
Ranked among companies with meaningful Net-margin (%) only.
SNFCA' s 10-Year Net-margin (%) Range
Min: -0.26  Med: 2.52 Max: 7.13
Current: 4.08
-0.26
7.13
ROE (%) 10.95
SNFCA's ROE (%) is ranked higher than
57% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.63 vs. SNFCA: 10.95 )
Ranked among companies with meaningful ROE (%) only.
SNFCA' s 10-Year ROE (%) Range
Min: -0.72  Med: 5.81 Max: 23.7
Current: 10.95
-0.72
23.7
ROA (%) 1.57
SNFCA's ROA (%) is ranked lower than
62% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. SNFCA: 1.57 )
Ranked among companies with meaningful ROA (%) only.
SNFCA' s 10-Year ROA (%) Range
Min: -0.09  Med: 0.94 Max: 2.98
Current: 1.57
-0.09
2.98
Revenue Growth (3Y)(%) 8.40
SNFCA's Revenue Growth (3Y)(%) is ranked higher than
56% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. SNFCA: 8.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SNFCA' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11.3  Med: 8.40 Max: 65.4
Current: 8.4
-11.3
65.4
EBITDA Growth (3Y)(%) 48.40
SNFCA's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: -3.30 vs. SNFCA: 48.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SNFCA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -40  Med: 5.80 Max: 60.4
Current: 48.4
-40
60.4
EPS Growth (3Y)(%) 76.00
SNFCA's EPS Growth (3Y)(%) is ranked higher than
94% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. SNFCA: 76.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SNFCA' s 10-Year EPS Growth (3Y)(%) Range
Min: -47.2  Med: -5.40 Max: 87.6
Current: 76
-47.2
87.6
» SNFCA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

SNFCA Guru Trades in Q2 2013

Jim Simons Sold Out
» More
Q4 2014

SNFCA Guru Trades in Q4 2014

Jim Simons 13,020 sh (New)
» More
Q1 2015

SNFCA Guru Trades in Q1 2015

Jim Simons 19,721 sh (+44.25%)
» More
Q2 2015

SNFCA Guru Trades in Q2 2015

Jim Simons 26,485 sh (+34.30%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 9.19
SNFCA's P/E(ttm) is ranked higher than
72% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. SNFCA: 9.19 )
Ranked among companies with meaningful P/E(ttm) only.
SNFCA' s 10-Year P/E(ttm) Range
Min: 2.62  Med: 7.88 Max: 411.33
Current: 9.19
2.62
411.33
Forward P/E 1.78
SNFCA's Forward P/E is ranked higher than
97% of the 70 Companies
in the Global Credit Services industry.

( Industry Median: 11.04 vs. SNFCA: 1.78 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 8.70
SNFCA's PE(NRI) is ranked higher than
74% of the 215 Companies
in the Global Credit Services industry.

( Industry Median: 14.90 vs. SNFCA: 8.70 )
Ranked among companies with meaningful PE(NRI) only.
SNFCA' s 10-Year PE(NRI) Range
Min: 2.69  Med: 7.80 Max: 148.1
Current: 8.7
2.69
148.1
P/B 0.98
SNFCA's P/B is ranked higher than
56% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. SNFCA: 0.98 )
Ranked among companies with meaningful P/B only.
SNFCA' s 10-Year P/B Range
Min: 0.16  Med: 0.55 Max: 1.88
Current: 0.98
0.16
1.88
P/S 0.37
SNFCA's P/S is ranked higher than
95% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. SNFCA: 0.37 )
Ranked among companies with meaningful P/S only.
SNFCA' s 10-Year P/S Range
Min: 0.05  Med: 0.18 Max: 0.63
Current: 0.37
0.05
0.63
EV-to-EBIT 3.11
SNFCA's EV-to-EBIT is ranked higher than
95% of the 210 Companies
in the Global Credit Services industry.

( Industry Median: 19.08 vs. SNFCA: 3.11 )
Ranked among companies with meaningful EV-to-EBIT only.
SNFCA' s 10-Year EV-to-EBIT Range
Min: -53.1  Med: 2.00 Max: 65.7
Current: 3.11
-53.1
65.7
PEG 0.37
SNFCA's PEG is ranked higher than
76% of the 62 Companies
in the Global Credit Services industry.

( Industry Median: 0.73 vs. SNFCA: 0.37 )
Ranked among companies with meaningful PEG only.
SNFCA' s 10-Year PEG Range
Min: 0.12  Med: 0.73 Max: 11.08
Current: 0.37
0.12
11.08
Shiller P/E 15.61
SNFCA's Shiller P/E is ranked lower than
60% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 12.94 vs. SNFCA: 15.61 )
Ranked among companies with meaningful Shiller P/E only.
SNFCA' s 10-Year Shiller P/E Range
Min: 2.07  Med: 6.90 Max: 33.21
Current: 15.61
2.07
33.21
Days Sales Outstanding 28.81
SNFCA's Days Sales Outstanding is ranked lower than
52% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 24.86 vs. SNFCA: 28.81 )
Ranked among companies with meaningful Days Sales Outstanding only.
SNFCA' s 10-Year Days Sales Outstanding Range
Min: 19.75  Med: 34.40 Max: 338.2
Current: 28.81
19.75
338.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
SNFCA's Price/Tangible Book is ranked lower than
52% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 1.11 vs. SNFCA: 1.17 )
Ranked among companies with meaningful Price/Tangible Book only.
SNFCA' s 10-Year Price/Tangible Book Range
Min: 0.2  Med: 0.57 Max: 1.36
Current: 1.17
0.2
1.36
Price/Projected FCF 0.60
SNFCA's Price/Projected FCF is ranked higher than
63% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 0.76 vs. SNFCA: 0.60 )
Ranked among companies with meaningful Price/Projected FCF only.
SNFCA' s 10-Year Price/Projected FCF Range
Min: 0.04  Med: 0.23 Max: 1.73
Current: 0.6
0.04
1.73
Price/Median PS Value 2.02
SNFCA's Price/Median PS Value is ranked lower than
84% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. SNFCA: 2.02 )
Ranked among companies with meaningful Price/Median PS Value only.
SNFCA' s 10-Year Price/Median PS Value Range
Min: 0.38  Med: 1.24 Max: 4.6
Current: 2.02
0.38
4.6
Price/Graham Number 0.69
SNFCA's Price/Graham Number is ranked higher than
59% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. SNFCA: 0.69 )
Ranked among companies with meaningful Price/Graham Number only.
SNFCA' s 10-Year Price/Graham Number Range
Min: 0.21  Med: 0.50 Max: 10.63
Current: 0.69
0.21
10.63
Earnings Yield (Greenblatt) (%) 32.15
SNFCA's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. SNFCA: 32.15 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SNFCA' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.5  Med: 37.00 Max: 7050.8
Current: 32.15
1.5
7050.8
Forward Rate of Return (Yacktman) (%) 18.85
SNFCA's Forward Rate of Return (Yacktman) (%) is ranked higher than
71% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: -0.10 vs. SNFCA: 18.85 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SNFCA' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 11.8  Med: 46.40 Max: 264.4
Current: 18.85
11.8
264.4

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, RDCRL, AXP » details
Traded in other countries:XSNA.Germany,
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.
» More Articles for SNFCA

Headlines

Articles On GuruFocus.com
Security National Financial Corporation and the Madness of Crowds - part II Feb 26 2013 
Security National Financial Corporation and the Madness of Crowds Feb 21 2013 
Security National Financial Corporation (SNFCA) and the Madness of Crowds Feb 19 2013 
SNFCA and the madness of crowds Feb 19 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 Corporation Reports Financial Results for the Second Quarter Ended June Aug 17 2009 
Security National Financial Corp. Reports Operating Results (10-Q) Aug 14 2009 

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