Security National Financial Corp is engaged in the life insurance, cemetery and mortuary, and mortgage loan businesses. 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. Its 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. Geographically, all the business activity is functioned through the region of the USA and it derives the majority of revenue from Mortgage segment.

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	1.39
Equity-to-Asset	0.22
Debt-to-Equity	0.32
Debt-to-EBITDA	3.23
Interest Coverage	7.24
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.81	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-13.3
	3-Year EBITDA Growth Rate	-32.5
	3-Year EPS without NRI Growth Rate	-36.4
	3-Year Book Growth Rate	4.3

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	66.75
	9-Day RSI	66.25
	14-Day RSI	66.76
	6-1 Month Momentum %	47.38
	12-1 Month Momentum %	31.96

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-1.5
	Shareholder Yield %	19.53

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	6.71
	FCF Margin %	18.23
	ROE %	6.96
	ROA %	1.51
	ROIC %	1.96
	3-Year ROIIC %	33.48
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	11.43
	PE Ratio without NRI	11.43
	Shiller PE Ratio	9.05
	Price-to-Owner-Earnings	11.74
	PS Ratio	0.78
	PB Ratio	0.8
	Price-to-Tangible-Book	0.82
	Price-to-Free-Cash-Flow	4.12
	Price-to-Operating-Cash-Flow	4.05
	EV-to-EBIT	6.88
	EV-to-EBITDA	6.37
	EV-to-Revenue	0.63
	EV-to-FCF	3.47
	Price-to-Projected-FCF	0.58
	Price-to-Median-PS-Value	2.18
	Price-to-Graham-Number	0.65
	Earnings Yield (Greenblatt) %	14.53
	FCF Yield %	23.73
	Forward Rate of Return (Yacktman) %	8.63

GF Value: $5.49

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