F&G Annuities & Life, Inc. (FG) vs Security National Financial Corporation (SNFCA)

F&G Annuities & Life, Inc. and Security National Financial Corporation are both Insurance Life companies. F&G Annuities & Life, Inc. is the larger, with a market value of $2.6B against $250.3M — 10.2× the size. F&G Annuities & Life, Inc. trades at the lower P/E: 6.4× against 7.2×. F&G Annuities & Life, Inc. grew revenue faster over the last twelve months: 15.0% against −1.14%. Security National Financial Corporation has the higher net margin (9.93% vs 6.61%) and the higher return on invested capital (10.0% vs 8.88%). Across the 20 metrics below, F&G Annuities & Life, Inc. leads on 12 and Security National Financial Corporation on 8.

Valuation

Metric FG SNFCA Insurance Life median
P/E 6.42 7.17 12.22
P/S 0.41 0.71 0.75
P/B 0.53 0.55 1.07
Price to free cash flow 0.58 3.01 7.70
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 15.58% 13.94% 8.18%
Free cash flow yield 172.74% 33.20% 11.33%

Profitability

Metric FG SNFCA Insurance Life median
Gross margin 30.01% 70.62% 32.44%
Operating margin 11.31% 14.09% 11.31%
Net margin 6.61% 9.93% 6.61%
Free cash flow margin 71.29% 23.62% 15.04%
Return on equity 8.67% 8.47% 8.67%
Return on assets 0.41% 2.12% 0.67%
Return on invested capital 8.88% 10.00% 8.20%

Growth

Metric FG SNFCA Insurance Life median
Revenue growth (TTM) 15.01% (1.14%) 7.91%
EPS growth (last fiscal year) (61.48%) 19.19% (20.59%)
Revenue growth, 5-year CAGR 32.79% (6.47%) 1.08%
Net income growth, 5-year CAGR 0.00% (10.37%) 0.00%

Health

Metric FG SNFCA Insurance Life median
Debt to equity 0.48 0.00 0.48
Current ratio 0.30 0.21 0.21
Net debt to EBITDA 0.65 (1.97) 0.12

Dividend

Metric FG SNFCA Insurance Life median
Dividend yield 5.19% — 2.21%
Payout ratio 0.34 — 0.26

Size

Metric FG SNFCA Insurance Life median
Market cap 2.56b 250.25m 7.85b

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