CNO Financial Group, Inc. (CNO) vs Security National Financial Corporation (SNFCA)

CNO Financial Group, Inc. and Security National Financial Corporation are both Insurance Life companies. CNO Financial Group, Inc. is the larger, with a market value of $5.3B against $249.4M — 21.4× the size. Security National Financial Corporation trades at the lower P/E: 7.3× against 13.1×. CNO Financial Group, Inc. grew revenue faster over the last twelve months: 2.31% against −1.14%. Security National Financial Corporation has the higher net margin (9.93% vs 9.19%) and the higher return on invested capital (10.0% vs 8.79%). Across the 20 metrics below, Security National Financial Corporation leads on 15 and CNO Financial Group, Inc. on 5.

Valuation

Metric CNO SNFCA Insurance Life median
P/E 13.11 7.26 13.11
P/S 1.19 0.72 0.78
P/B 2.33 0.56 1.13
Price to free cash flow 7.74 3.05 7.87
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.63% 13.77% 7.63%
Free cash flow yield 12.92% 32.81% 10.72%

Profitability

Metric CNO SNFCA Insurance Life median
Gross margin 47.58% 70.62% 32.44%
Operating margin 16.80% 14.09% 11.31%
Net margin 9.19% 9.93% 9.19%
Free cash flow margin 0.00% 23.62% 14.65%
Return on equity 16.93% 8.47% 8.47%
Return on assets 1.08% 2.12% 0.55%
Return on invested capital 8.79% 10.00% 8.20%

Growth

Metric CNO SNFCA Insurance Life median
Revenue growth (TTM) 2.31% (1.14%) 7.91%
EPS growth (last fiscal year) (38.50%) 9.09% (3.45%)
Revenue growth, 5-year CAGR 3.27% (6.47%) 1.33%
Net income growth, 5-year CAGR (5.35%) (10.37%) 0.00%

Health

Metric CNO SNFCA Insurance Life median
Debt to equity 1.95 0.00 0.48
Current ratio 0.16 0.21 0.21
Net debt to EBITDA 2.96 (1.97) 0.12

Dividend

Metric CNO SNFCA Insurance Life median
Dividend yield 1.19% — 2.17%
Payout ratio 0.16 — 0.26

Size

Metric CNO SNFCA Insurance Life median
Market cap 5.34b 249.43m 7.85b

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