Genworth Financial, Inc. (GNW) vs Security National Financial Corporation (SNFCA)

Genworth Financial, Inc. and Security National Financial Corporation are both Insurance Life companies. Genworth Financial, Inc. is the larger, with a market value of $3.7B against $250.3M — 14.7× the size. Security National Financial Corporation trades at the lower P/E: 7.2× against 17.7×. Genworth Financial, Inc. grew revenue faster over the last twelve months: 2.11% against −1.14%. Security National Financial Corporation has the higher net margin (9.93% vs 2.87%) and the higher return on invested capital (10.0% vs 3.41%). Across the 20 metrics below, Security National Financial Corporation leads on 14 and Genworth Financial, Inc. on 6.

Valuation

Metric GNW SNFCA Insurance Life median
P/E 17.74 7.17 12.22
P/S 0.48 0.71 0.75
P/B 0.37 0.55 1.07
Price to free cash flow 8.34 3.01 7.70
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.64% 13.94% 8.18%
Free cash flow yield 12.00% 33.20% 11.33%

Profitability

Metric GNW SNFCA Insurance Life median
Gross margin 29.03% 70.62% 32.44%
Operating margin 6.84% 14.09% 11.31%
Net margin 2.87% 9.93% 6.61%
Free cash flow margin 5.81% 23.62% 15.04%
Return on equity 2.17% 8.47% 8.67%
Return on assets 0.24% 2.12% 0.67%
Return on invested capital 3.41% 10.00% 8.20%

Growth

Metric GNW SNFCA Insurance Life median
Revenue growth (TTM) 2.11% (1.14%) 7.91%
EPS growth (last fiscal year) (20.59%) 19.19% (20.59%)
Revenue growth, 5-year CAGR (2.49%) (6.47%) 1.08%
Net income growth, 5-year CAGR 4.61% (10.37%) 0.00%

Health

Metric GNW SNFCA Insurance Life median
Debt to equity 0.15 0.00 0.48
Current ratio 0.28 0.21 0.21
Net debt to EBITDA (0.83) (1.97) 0.12

Dividend

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

Size

Metric GNW SNFCA Insurance Life median
Market cap 3.68b 250.25m 7.85b

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