Critical Analysis: Security National Financial (SNFCA) and The Phoenix Companies (PNX)
Security National Financial (NASDAQ: SNFCA) and The Phoenix Companies (NYSE:PNX) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, dividends, profitability, valuation, earnings, risk and institutional ownership.
Volatility and Risk
Security National Financial has a beta of 0.35, indicating that its stock price is 65% less volatile than the S&P 500. Comparatively, The Phoenix Companies has a beta of 1.32, indicating that its stock price is 32% more volatile than the S&P 500.
8.5% of Security National Financial shares are held by institutional investors. 18.2% of Security National Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Valuation and Earnings
This table compares Security National Financial and The Phoenix Companies’ top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Security National Financial||$307.21 million||0.27||$12.18 million||$0.44||12.05|
|The Phoenix Companies||N/A||N/A||N/A||($17.65)||-2.12|
Security National Financial has higher revenue and earnings than The Phoenix Companies. The Phoenix Companies is trading at a lower price-to-earnings ratio than Security National Financial, indicating that it is currently the more affordable of the two stocks.
This is a breakdown of current ratings and target prices for Security National Financial and The Phoenix Companies, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Security National Financial||0||0||0||0||N/A|
|The Phoenix Companies||0||0||0||0||N/A|
This table compares Security National Financial and The Phoenix Companies’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Security National Financial||2.37%||5.03%||0.70%|
|The Phoenix Companies||-10.34%||-121.92%||-0.83%|
Security National Financial beats The Phoenix Companies on 8 of the 9 factors compared between the two stocks.
Security National Financial Company Profile
Security National Financial Corporation is a holding company. The Company operates through three segments: life insurance, cemetery and mortuary, and mortgage loans. The life insurance segment is engaged in the business of selling and servicing selected lines of life insurance, annuity products, and accident and health insurance. The cemetery and mortuary segment consists of approximately seven mortuaries and five cemeteries in the state of Utah and a cemetery in the state of California. The mortgage loan segment originates and underwrites or otherwise purchases residential and commercial loans for new construction, existing homes and real estate projects. The Company is also engaged in pre-need selling of funeral, cemetery, mortuary and cremation services through its Utah and California operations. It also sells pre-need funeral, cemetery and cremation services.
The Phoenix Companies Company Profile
The Phoenix Companies, Inc. (Phoenix) is a holding company. The Company’s operating subsidiaries provide life insurance and annuity products through independent agents and financial advisors. Phoenix operates through two segments: Life and Annuity, and Saybrus. The Life and Annuity segment includes individual life insurance and annuity products, including its closed block. The Saybrus segment provides dedicated life insurance and other consulting services to financial advisors in partner companies, as well as support for sales of Phoenix’s product line through independent distribution organizations. Its Annuities products include Fixed Indexed Annuities, Fixed Annuities, Single Premium Immediate Annuities and Variable Annuities. Its Life Insurance products include Whole Life, Universal Life, Indexed Universal Life, Variable Universal Life and Term. Its target markets consist of middle market, and mass affluent families and individuals planning for or living in retirement.
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