Security National Financial (NASDAQ:SNFCA) and Fincera (OTCMKTS:YUANF) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their analyst recommendations, profitability, institutional ownership, risk, dividends, valuation and earnings.
Volatility & Risk
Security National Financial has a beta of -0.04, meaning that its share price is 104% less volatile than the S&P 500. Comparatively, Fincera has a beta of -0.22, meaning that its share price is 122% less volatile than the S&P 500.
This table compares Security National Financial and Fincera’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Security National Financial||2.68%||3.99%||0.65%|
This is a summary of recent ratings and recommmendations for Security National Financial and Fincera, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Security National Financial||0||0||0||0||N/A|
Valuation and Earnings
This table compares Security National Financial and Fincera’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Security National Financial||$279.62 million||0.31||$21.69 million||N/A||N/A|
|Fincera||$205.74 million||2.85||$40.04 million||N/A||N/A|
Fincera has lower revenue, but higher earnings than Security National Financial.
Insider and Institutional Ownership
14.4% of Security National Financial shares are owned by institutional investors. 19.1% of Security National Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Fincera pays an annual dividend of $0.30 per share and has a dividend yield of 2.5%. Security National Financial does not pay a dividend.
Fincera beats Security National Financial on 6 of the 10 factors compared between the two stocks.
Security National Financial Company Profile
Security National Financial Corporation engages in life insurance, cemetery and mortuary, and mortgage businesses. The company operates through three segments: Life Insurance, Cemetery and Mortuary, and Mortgages. The Life Insurance segment is involved in selling and servicing lines of life insurance, annuity products, and accident and health insurance. It offers various life insurance products, including funeral plans and interest-sensitive life insurance, as well as other traditional life, accident, and health insurance products; annuity products comprising single and flexible premium deferred annuities, and immediate annuities; and diver’s accident policies. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. The Cemetery and Mortuary segment operates eight mortuaries and five cemeteries in the state of Utah; and one cemetery in the state of California. This segment also markets plots, interment vaults, mausoleum crypts, markers, caskets, flowers, and other death care related products; and provides professional services of funeral directors, opening and closing of graves, use of chapels and viewing rooms, and use of automobiles and clothing. The Mortgage segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Nevada, Texas, and Utah. It offers residential mortgage lending services to real estate brokers and independent mortgage loan originators. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.
Fincera Company Profile
Fincera Inc. focuses on providing online lending and e-commerce services for small and medium-sized businesses (SMBs) and individuals in China. The company operates in two segments, Internet-Based Financial and E-Commerce Services, and Property Lease and Management. The company’s financial services platforms include CeraPay, a revolving credit product that processes and settles transactions between its borrowers and merchants; and CeraVest, a peer-to-peer lending platform that provides short-term financing primarily to SMBs. Its e-commerce products comprise TruShip, an online e-commerce platform for trucking industry merchants; AutoChekk, an e-commerce platform for the passenger vehicle industry; and PingPing, an e-commerce platform for small businesses to establish an online presence. The company also owns and leases office space; and operates and manages Shijiazhuang Hilton hotel in the Kaiyuan Finance Center building. The company was formerly known as AutoChina International Limited and changed its name to Fincera Inc. in July 2015. Fincera Inc. was founded in 1994 and is headquartered in Shijiazhuang, the People’s Republic of China. Fincera Inc. is a subsidiary of Honest Best International Ltd.
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