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SNFCA

Security National Financial
Chart
9.81 USD
Latest Week 2026-07-17
Financial ServicesInsurance - LifeMICRO
Snapshot 2026-07-19 · 0.6w · Fresh
0.97
OS Score
97.0%
Value
90.0%
Quality
64.0%
Momentum
#25.00000000
TV Rank
7/9
F-Score
0.934
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
9 of 23 passing
★
OS Composite
OS 0.970
↗
Trending Value
#25
◆
Quality × Value
QV 0.934
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 7.3
◇
VC2 Cheapest
VC2 6
📐
EBITDA/EV
24.1%
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 97%
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 1.00
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
97.0%ile
P/E
7.3×
P/S
1.5×
P/B
0.6×
E/P
0.2301
FCF Yield
0.328
EBITDA/EV
0.241
SH Yield
0.008
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
4.00000000
/100 — 1=cheapest
VC2 (Trending Value)
6.00000000
/100
VC3 (Buyback)
4.00000000
/100
P/E of 7.3x places this firmly in deep value territory. FCF yield of 32.8% is strong — the business generates significant free cash relative to price. VC2 score of 6.00000000/100 puts this in the cheapest decile of the universe — prime Trending Value territory.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
90.0%ile
ROE
0.082
ROA
0.022
Net Margin
0.208
Op Margin
0.294
GPA
0.073
D/E
2.71
Current
7.19
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
-0.031
Earn Growth
0.488
Stability
0.575
lower=better
Accruals
-0.022
lower=better
5yr Consist
No
Highly leveraged with D/E of 2.71 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
64.0%ile
6M Return
16.0%
12M Return
17.6%
12-1 Mom
9.1%
Risk-Adj
0.35
Vol 252d
26.0%
Vol 60d
51.9%
↑ Expanding
Max DD 12M
-12.2%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (52%) is expanding vs long-term (26%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.97
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
97.2%
Sector Quality %ile
88.6%
P/E z-score
-0.31
P/B z-score
-0.07
Sector Avg OS
85.4%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
IX Orix Corp Ads 99.0% 98.0% 82.0% 90.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 89.0%
CARE Carter Bank and Trust 99.0% 96.0% 96.0% 91.0%
RILYL BRC Group Holdings, Inc. 99.0% 94.0% 88.0% 95.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 91.0%
IFS Intercorp Financial Services Inc 98.0% 98.0% 83.0% 88.0%
RNR Renaissancere Holdings Ltd 98.0% 96.0% 94.0% 78.0%
HG Hamilton Insurance Group, Ltd. 98.0% 97.0% 82.0% 90.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (97th) and quality (90th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Volatility Expanding
60-day vol (52%) significantly exceeds 252-day (26%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
86.5% avg (7 factors)
Quality
C
54.2% avg (8 factors)
Momentum
C
47.4% avg (4 factors)
Risk
B
73.3% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends7 snapshots
Factor Persistence7 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.970—7—
Value %ile0.970—7—
Quality %ile0.900—7—
Momentum %ile0.640—0—
F-Score7.000—7—
Confidence0.940—7—
Volatility0.260—0—
Value Lens2021-07-20 → 2026-07-19
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
7.34
Earnings Yield (E/P)
0.2301
Price / Sales
1.52
Price / Book
0.60
Price / Cash Flow
3.71
FCF Yield
32.8%
EBITDA / EV
24.1%
Sales Yield (1/P·S)
0.7824
Shareholder Yield
Div + net buyback / mktcap
0.8%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
8.2%
Return on Assets
2.2%
Net Margin
20.8%
Operating Margin
29.4%
Gross Profit / Assets
Novy-Marx GPA
7.3%
Debt / Equity
2.71
Current Ratio
7.19
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.022
External Financing
Net issuance — lower=better
0.001
MomentumPrice trend strength over different horizons
6M Return
16.0%
12M Return
17.6%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
9.1%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.35
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
-3.1%
Earnings Growth (YoY)
48.8%
Earnings Stability (CV)
Lower = more stable
0.575
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
7
Buyback Yield
0.8%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
4
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
6
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
4
Trending Value Rank
1=best. Top VC2 decile by 6M momentum
25
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity