Security National Financial (SNFCA) AI Stock Analysis

• Market Cap: $232.55M
• Dividend Yield: N/A
• Average Volume (3M): 42.52K
• Price to Earnings (P/E): 8.8
• Beta (1Y): 1.25
• Revenue Growth: 5.03%
• EPS Growth: 83.63%
• Country: US
• Employees: 1,186
• Sector: Financial
• Sector Strength: 82
• Industry: Financial - Mortgages
• EPS (TTM): 1.09
• Shares Outstanding: 21,321,740
• 10 Day Avg. Volume: 45,083
• 30 Day Avg. Volume: 42,520
• PEG Ratio: 0.10
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.94
• Price to Cash Flow (P/CF): 2.90
• P/FCF Ratio: 2.80
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Security National Financial's stock score is primarily influenced by its mixed financial performance and weak technical indicators. While there is potential value given its low P/E ratio, the stock's recent price trends and volatility in financial metrics warrant caution. The absence of recent corporate events and earnings call data limits additional insights.

Security National Financial Business Overview & Revenue Model

Company Description

Security National Financial Corporation (SNFCA) is a diversified company based in the United States, operating in three main sectors: life insurance, cemetery and mortuary services, and mortgage loans. The company's life insurance segment offers a range of insurance products, including funeral plans and annuities, while the cemetery and mortuary segment provides funeral services, cemetery plots, and related products. The mortgage loan segment is involved in originating and servicing residential and commercial mortgage loans.

How the Company Makes Money

Security National Financial Corporation generates revenue through its diversified operations in life insurance, funeral services, and mortgage lending. In the life insurance segment, the company earns money by collecting premiums from policyholders. The cemetery and mortuary segment generates revenue through the sale of funeral services, cemetery plots, and related merchandise. Meanwhile, the mortgage segment derives income from originating mortgage loans, collecting interest and fees, and servicing loans. Additionally, significant partnerships with financial institutions and strategic investments in its operating segments contribute to the company's earnings.

Security National Financial Financial Statement Overview

Summary

Overall, Security National Financial demonstrates a mixed financial performance. The company has strengthened its profitability and cash flow generation capabilities, evident from improved margins and cash flow ratios. However, declining revenues and high leverage remain concerns. The company's balance sheet shows a stable debt position and efficient equity utilization but requires careful management to sustain growth and stability.

Income Statement

Security National Financial has shown improvement in its income statement metrics over the TTM (Trailing-Twelve-Months) period. The gross profit margin remains solid at 100%, indicating effective cost management. The net profit margin improved to 8.9% in TTM, up from 4.6% in 2023, highlighting enhanced profitability. However, revenue growth is negative at -15.4% from 2022 to TTM, which is a concern. The EBIT margin is at 8.8% for TTM, showing a significant recovery from the negative EBIT in 2023, but still below past performance.

Balance Sheet

The balance sheet reflects a stable financial position with a reasonable debt-to-equity ratio of 0.31 in TTM, down from 0.34 in 2023. The equity ratio is consistent at around 23%, indicating a balanced capital structure. Return on equity has improved to 8.5% in TTM, showing better utilization of equity compared to 4.6% in 2023. Overall, the company maintains a strong asset base with growing equity, although high liabilities relative to equity present moderate leverage risk.

Cash Flow

Cash flow analysis reveals robust performance in TTM with a significant increase in free cash flow to $69.5 million from $52.8 million in 2023, marking a growth rate of 31.7%. The operating cash flow to net income ratio is healthy at 2.39, indicating strong cash generation relative to earnings. Similarly, the free cash flow to net income ratio at 2.36 suggests effective conversion of profits into cash. The solid cash flow position provides financial flexibility for future investments and debt servicing.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
330.16M	318.50M	390.32M	470.70M	481.46M	283.06M
	Gross Profit
330.16M	318.50M	390.32M	470.70M	481.46M	283.06M
	EBIT
29.18M	-27.16K	65.05M	9.27M	39.83M	-11.53M
	EBITDA
14.77M	0.00	52.70M	75.72M	93.95M	33.57M
	Net Income Common Stockholders
29.44M	14.50M	25.69M	39.52M	55.60M	10.89M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
26.61M	163.36M	466.78M	390.64M	400.88M	491.00M
	Total Assets
469.41M	1.43B	1.46B	1.55B	1.55B	1.33B
	Total Debt
13.17M	105.56M	161.71M	251.29M	297.82M	217.57M
	Net Debt
-8.78M	-21.39M	40.79M	119.93M	191.60M	89.82M
	Total Liabilities
410.20M	1.12B	1.17B	1.25B	1.28B	1.14B
	Stockholders Equity
59.20M	312.90M	292.79M	299.77M	263.99M	196.71M
Cash Flow		Free Cash Flow
69.49M	52.77M	128.85M	139.42M	-131.26M	-77.44M
	Operating Cash Flow
70.39M	53.88M	130.45M	144.64M	-129.63M	-75.60M
	Investing Cash Flow
-23.31M	14.61M	-37.16M	-63.61M	36.14M	38.10M
	Financing Cash Flow
-5.26M	-62.04M	-101.22M	-55.08M	71.21M	24.30M

Security National Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 9.57
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SNFCA, the sentiment is Negative. The current price of 9.57 is below the 20-day moving average (MA) of 10.31, below the 50-day MA of 11.72, and below the 200-day MA of 10.55, indicating a bearish trend. The MACD of -0.83 indicates Positive momentum. The RSI at 35.07 is Neutral, neither overbought nor oversold. The STOCH value of 54.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SNFCA.

Security National Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GHI	73 Outperform	$271.57M	15.15	5.12%	12.63%	-26.83%	-62.54%
Sector *	63 Neutral	$12.06B	9.31	8.10%	79.51%	12.80%	-4.67%
IOR	62 Neutral	$71.16M	15.25	3.88%	―	―	-32.53%
VEL	61 Neutral	$570.92M	9.33	14.22%	―	31.74%	29.41%
GHLD	61 Neutral	$799.01M	8.25	7.97%	3.87%	40.27%	―
SNFCA	54 Neutral	$232.55M	8.78	8.14%	―	5.03%	83.63%
LDI	48 Neutral	$367.68M	―	-31.41%	―	3.76%	16.19%