Atlantic American Corporation (AAME) vs Security National Financial Corporation (SNFCA)

Atlantic American Corporation and Security National Financial Corporation are both Insurance Life companies. Security National Financial Corporation is the larger, with a market value of $250.3M against $24.7M — 10.1× the size. Atlantic American Corporation trades at the lower P/E: 5.1× against 7.2×. Atlantic American Corporation grew revenue faster over the last twelve months: 12.0% against −1.14%. Security National Financial Corporation has the higher net margin (9.93% vs 2.26%) and the higher return on invested capital (10.0% vs 5.58%). Across the 20 metrics below, Atlantic American Corporation leads on 10 and Security National Financial Corporation on 10.

Valuation

Metric AAME SNFCA Insurance Life median
P/E 5.13 7.17 12.22
P/S 0.12 0.71 0.75
P/B 0.22 0.55 1.07
Price to free cash flow 0.99 3.01 7.70
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 19.49% 13.94% 8.18%
Free cash flow yield 100.74% 33.20% 11.33%

Profitability

Metric AAME SNFCA Insurance Life median
Gross margin 12.51% 70.62% 32.44%
Operating margin 4.67% 14.09% 11.31%
Net margin 2.26% 9.93% 6.61%
Free cash flow margin 11.65% 23.62% 15.04%
Return on equity 4.38% 8.47% 8.67%
Return on assets 1.15% 2.12% 0.67%
Return on invested capital 5.58% 10.00% 8.20%

Growth

Metric AAME SNFCA Insurance Life median
Revenue growth (TTM) 11.99% (1.14%) 7.91%
EPS growth (last fiscal year) (666.67%) 19.19% (20.59%)
Revenue growth, 5-year CAGR (1.03%) (6.47%) 1.08%
Net income growth, 5-year CAGR 0.00% (10.37%) 0.00%

Health

Metric AAME SNFCA Insurance Life median
Debt to equity 0.31 0.00 0.48
Current ratio 0.31 0.21 0.21
Net debt to EBITDA (0.12) (1.97) 0.12

Dividend

Metric AAME SNFCA Insurance Life median
Dividend yield 0.00% — 2.21%
Payout ratio 0.00 — 0.26

Size

Metric AAME SNFCA Insurance Life median
Market cap 24.68m 250.25m 7.85b

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