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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.50
SNFCA's Cash-to-Debt is ranked higher than
50% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 1.44 vs. SNFCA: 0.50 )
Ranked among companies with meaningful Cash-to-Debt only.
SNFCA' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.19  Med: 1.35 Max: 6.58
Current: 0.5
0.19
6.58
Equity-to-Asset 0.14
SNFCA's Equity-to-Asset is ranked lower than
82% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 vs. SNFCA: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
SNFCA' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.14 Max: 0.25
Current: 0.14
0.07
0.25
Debt-to-Equity 1.19
SNFCA's Debt-to-Equity is ranked higher than
71% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. SNFCA: 1.19 )
Ranked among companies with meaningful Debt-to-Equity only.
SNFCA' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08  Med: 0.32 Max: 1.24
Current: 1.19
0.08
1.24
Interest Coverage 2.89
SNFCA's Interest Coverage is ranked lower than
60% of the 377 Companies
in the Global Credit Services industry.

( Industry Median: 11.69 vs. SNFCA: 2.89 )
Ranked among companies with meaningful Interest Coverage only.
SNFCA' s Interest Coverage Range Over the Past 10 Years
Min: 0.1  Med: 3.44 Max: 5.7
Current: 2.89
0.1
5.7
Beneish M-Score: -4.07
WACC vs ROIC
2.56%
6.83%
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 % 5.24
SNFCA's Operating Margin % is ranked lower than
70% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 17.78 vs. SNFCA: 5.24 )
Ranked among companies with meaningful Operating Margin % only.
SNFCA' s Operating Margin % Range Over the Past 10 Years
Min: -0.65  Med: 3.75 Max: 9.11
Current: 5.24
-0.65
9.11
Net Margin % 3.12
SNFCA's Net Margin % is ranked lower than
70% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 12.96 vs. SNFCA: 3.12 )
Ranked among companies with meaningful Net Margin % only.
SNFCA' s Net Margin % Range Over the Past 10 Years
Min: -0.26  Med: 2.63 Max: 7.13
Current: 3.12
-0.26
7.13
ROE % 7.27
SNFCA's ROE % is ranked higher than
59% of the 404 Companies
in the Global Credit Services industry.

( Industry Median: 8.10 vs. SNFCA: 7.27 )
Ranked among companies with meaningful ROE % only.
SNFCA' s ROE % Range Over the Past 10 Years
Min: -0.72  Med: 7.77 Max: 23.7
Current: 7.27
-0.72
23.7
ROA % 1.07
SNFCA's ROA % is ranked lower than
59% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 2.58 vs. SNFCA: 1.07 )
Ranked among companies with meaningful ROA % only.
SNFCA' s ROA % Range Over the Past 10 Years
Min: -0.09  Med: 1.04 Max: 2.98
Current: 1.07
-0.09
2.98
3-Year Revenue Growth Rate 10.30
SNFCA's 3-Year Revenue Growth Rate is ranked higher than
60% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 vs. SNFCA: 10.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SNFCA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -31  Med: 7.8 Max: 49
Current: 10.3
-31
49
3-Year EBITDA Growth Rate 18.70
SNFCA's 3-Year EBITDA Growth Rate is ranked higher than
75% of the 252 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. SNFCA: 18.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SNFCA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.5 Max: 49.1
Current: 18.7
0
49.1
3-Year EPS without NRI Growth Rate 15.60
SNFCA's 3-Year EPS without NRI Growth Rate is ranked higher than
72% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 vs. SNFCA: 15.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SNFCA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -46.5  Med: -0.7 Max: 88.8
Current: 15.6
-46.5
88.8
GuruFocus has detected 4 Warning Signs with Security National Financial Corp $SNFCA.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SNFCA's 30-Y Financials

Financials (Next Earnings Date: 2017-11-14 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

SNFCA Guru Trades in Q3 2016

Jim Simons 80,791 sh (+0.33%)
» More
Q4 2016

SNFCA Guru Trades in Q4 2016

Jim Simons 94,668 sh (+17.18%)
» More
Q1 2017

SNFCA Guru Trades in Q1 2017

Jim Simons 101,243 sh (+1.85%)
» More
Q2 2017

SNFCA Guru Trades in Q2 2017

Jim Simons 101,043 sh (-0.20%)
» More
» Details

Insider Trades

Latest Guru Trades with SNFCA

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522390    SIC: 6162
Compare:NAS:NICK, NAS:CPSS, NAS:MFIN, NAS:ASFI, OTCPK:NXCN, NAS:LOAN, NAS:ATLC, NAS:FPAY, NAS:LMFA, TSXV:LND, OTCPK:IEGH, OTCPK:JGWE, OTCPK:CCGN, NYSE:ELVT, NYSE:RM, LSE:FFI, NYSE:ONDK, NYSE:ENVA, NAS:NEWS, NAS:EZPW » details
Traded in other countries:XSNA.Germany,
Headquarter Location:USA
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
PE Ratio 9.84
SNFCA's PE Ratio is ranked higher than
83% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.55 vs. SNFCA: 9.84 )
Ranked among companies with meaningful PE Ratio only.
SNFCA' s PE Ratio Range Over the Past 10 Years
Min: 2.58  Med: 7.89 Max: 1120
Current: 9.84
2.58
1120
PE Ratio without NRI 10.03
SNFCA's PE Ratio without NRI is ranked higher than
83% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.63 vs. SNFCA: 10.03 )
Ranked among companies with meaningful PE Ratio without NRI only.
SNFCA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.53  Med: 7.61 Max: 25
Current: 10.03
2.53
25
Price-to-Owner-Earnings 9.19
SNFCA's Price-to-Owner-Earnings is ranked higher than
77% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 13.67 vs. SNFCA: 9.19 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SNFCA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.49  Med: 10.25 Max: 78.24
Current: 9.19
3.49
78.24
PB Ratio 0.61
SNFCA's PB Ratio is ranked higher than
73% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. SNFCA: 0.61 )
Ranked among companies with meaningful PB Ratio only.
SNFCA' s PB Ratio Range Over the Past 10 Years
Min: 0.18  Med: 0.66 Max: 3.18
Current: 0.61
0.18
3.18
PS Ratio 0.28
SNFCA's PS Ratio is ranked higher than
96% of the 393 Companies
in the Global Credit Services industry.

( Industry Median: 3.73 vs. SNFCA: 0.28 )
Ranked among companies with meaningful PS Ratio only.
SNFCA' s PS Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.23 Max: 0.63
Current: 0.28
0.05
0.63
Price-to-Free-Cash-Flow 1.30
SNFCA's Price-to-Free-Cash-Flow is ranked higher than
83% of the 83 Companies
in the Global Credit Services industry.

( Industry Median: 8.05 vs. SNFCA: 1.30 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SNFCA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.14  Med: 1.9 Max: 341.25
Current: 1.3
0.14
341.25
Price-to-Operating-Cash-Flow 1.23
SNFCA's Price-to-Operating-Cash-Flow is ranked higher than
85% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 8.91 vs. SNFCA: 1.23 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SNFCA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.14  Med: 1.82 Max: 41.43
Current: 1.23
0.14
41.43
EV-to-EBIT 6.84
SNFCA's EV-to-EBIT is ranked higher than
98% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 18.99 vs. SNFCA: 6.84 )
Ranked among companies with meaningful EV-to-EBIT only.
SNFCA' s EV-to-EBIT Range Over the Past 10 Years
Min: -27.7  Med: 1.6 Max: 8.3
Current: 6.84
-27.7
8.3
EV-to-EBITDA 6.15
SNFCA's EV-to-EBITDA is ranked higher than
98% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 16.26 vs. SNFCA: 6.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
SNFCA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -27.7  Med: 1.6 Max: 7.6
Current: 6.15
-27.7
7.6
EV-to-Revenue 0.47
SNFCA's EV-to-Revenue is ranked higher than
99% of the 390 Companies
in the Global Credit Services industry.

( Industry Median: 5.88 vs. SNFCA: 0.47 )
Ranked among companies with meaningful EV-to-Revenue only.
SNFCA' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.3  Med: 0.2 Max: 0.7
Current: 0.47
-0.3
0.7
PEG Ratio 0.43
SNFCA's PEG Ratio is ranked higher than
82% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 0.92 vs. SNFCA: 0.43 )
Ranked among companies with meaningful PEG Ratio only.
SNFCA' s PEG Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.61 Max: 8.08
Current: 0.43
0.09
8.08
Shiller PE Ratio 11.51
SNFCA's Shiller PE Ratio is ranked higher than
65% of the 54 Companies
in the Global Credit Services industry.

( Industry Median: 16.34 vs. SNFCA: 11.51 )
Ranked among companies with meaningful Shiller PE Ratio only.
SNFCA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.53  Med: 10.15 Max: 30.11
Current: 11.51
2.53
30.11

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 17.00
SNFCA's 3-Year Average Share Buyback Ratio is ranked higher than
100% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: -1.20 vs. SNFCA: 17.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SNFCA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -20.9  Med: -1.1 Max: 17
Current: 17
-20.9
17

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.77
SNFCA's Price-to-Tangible-Book is ranked higher than
62% of the 305 Companies
in the Global Credit Services industry.

( Industry Median: 1.41 vs. SNFCA: 0.77 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SNFCA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.29  Med: 0.67 Max: 2.11
Current: 0.77
0.29
2.11
Price-to-Intrinsic-Value-Projected-FCF 0.53
SNFCA's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
84% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. SNFCA: 0.53 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SNFCA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.41 Max: 3.27
Current: 0.53
0.04
3.27
Price-to-Median-PS-Value 1.26
SNFCA's Price-to-Median-PS-Value is ranked lower than
76% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. SNFCA: 1.26 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SNFCA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.28  Med: 1.27 Max: 6.74
Current: 1.26
0.28
6.74
Price-to-Peter-Lynch-Fair-Value 1.12
SNFCA's Price-to-Peter-Lynch-Fair-Value is ranked higher than
77% of the 77 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. SNFCA: 1.12 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
SNFCA' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.17  Med: 0.41 Max: 1.75
Current: 1.12
0.17
1.75
Price-to-Graham-Number 0.58
SNFCA's Price-to-Graham-Number is ranked higher than
80% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 1.06 vs. SNFCA: 0.58 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SNFCA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.23  Med: 0.54 Max: 0.91
Current: 0.58
0.23
0.91
Earnings Yield (Greenblatt) % 14.61
SNFCA's Earnings Yield (Greenblatt) % is ranked higher than
98% of the 419 Companies
in the Global Credit Services industry.

( Industry Median: 3.85 vs. SNFCA: 14.61 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SNFCA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -5333.9  Med: 39.55 Max: 13548.7
Current: 14.61
-5333.9
13548.7
Forward Rate of Return (Yacktman) % 20.92
SNFCA's Forward Rate of Return (Yacktman) % is ranked higher than
91% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 10.33 vs. SNFCA: 20.92 )
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: 13.1  Med: 46 Max: 311.2
Current: 20.92
13.1
311.2

More Statistics

Revenue (TTM) (Mil) $300.58
EPS (TTM) $ 0.56
Beta0.13
Short Percentage of Float0.05%
52-Week Range $5.06 - 7.62
Shares Outstanding (Mil)15.83

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