Citizens, Inc. (CIA) vs Security National Financial Corporation (SNFCA)

Citizens, Inc. 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 $178.8M — 1.4× the size. Security National Financial Corporation trades at the lower P/E: 7.2× against 15.8×. Citizens, Inc. grew revenue faster over the last twelve months: 3.69% against −1.14%. Security National Financial Corporation has the higher net margin (9.93% vs 4.55%) and the higher return on invested capital (10.0% vs 4.06%). Across the 19 metrics below, Security National Financial Corporation leads on 15 and Citizens, Inc. on 4.

Valuation

Metric CIA SNFCA Insurance Life median
P/E 15.77 7.17 12.22
P/S 0.69 0.71 0.75
P/B 0.75 0.55 1.07
Price to free cash flow 11.71 3.01 7.70
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.34% 13.94% 8.18%
Free cash flow yield 8.54% 33.20% 11.33%

Profitability

Metric CIA SNFCA Insurance Life median
Gross margin 19.17% 70.62% 32.44%
Operating margin 5.56% 14.09% 11.31%
Net margin 4.55% 9.93% 6.61%
Free cash flow margin 5.87% 23.62% 15.04%
Return on equity 5.00% 8.47% 8.67%
Return on assets 0.67% 2.12% 0.67%
Return on invested capital 4.06% 10.00% 8.20%

Growth

Metric CIA SNFCA Insurance Life median
Revenue growth (TTM) 3.69% (1.14%) 7.91%
EPS growth (last fiscal year) (3.45%) 19.19% (20.59%)
Revenue growth, 5-year CAGR 1.37% (6.47%) 1.08%
Net income growth, 5-year CAGR 0.00% (10.37%) 0.00%

Health

Metric CIA SNFCA Insurance Life median
Debt to equity 0.00 0.00 0.48
Current ratio 0.03 0.21 0.21
Net debt to EBITDA (0.99) (1.97) 0.12

Dividend

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

Size

Metric CIA SNFCA Insurance Life median
Market cap 178.77m 250.25m 7.85b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack