Security National Financial (NASDAQ: SNFCA) and Elevate Credit (NYSE:ELVT) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, analyst recommendations, institutional ownership, profitability, valuation and earnings.
Insider & Institutional Ownership
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9.4% of Security National Financial shares are held by institutional investors. Comparatively, 42.9% of Elevate Credit shares are held by institutional investors. 18.7% of Security National Financial shares are held by company insiders. Comparatively, 32.0% of Elevate Credit shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
This table compares Security National Financial and Elevate Credit’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Security National Financial||10.13%||19.74%||2.94%|
This is a breakdown of current recommendations for Security National Financial and Elevate Credit, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Security National Financial||0||0||0||0||N/A|
Elevate Credit has a consensus target price of $10.00, indicating a potential upside of 21.65%. Given Elevate Credit’s higher possible upside, analysts plainly believe Elevate Credit is more favorable than Security National Financial.
Valuation & Earnings
This table compares Security National Financial and Elevate Credit’s 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||$276.93 million||0.32||$14.11 million||N/A||N/A|
|Elevate Credit||$673.13 million||0.51||-$6.91 million||$0.16||51.44|
Security National Financial has higher earnings, but lower revenue than Elevate Credit.
Volatility & Risk
Security National Financial has a beta of -0.26, suggesting that its share price is 126% less volatile than the S&P 500. Comparatively, Elevate Credit has a beta of 0.73, suggesting that its share price is 27% less volatile than the S&P 500.
Elevate Credit beats Security National Financial on 8 of the 12 factors compared between the two stocks.
Security National Financial Company Profile
Security National Financial Corporation engages in life insurance, cemetery and mortuary, and mortgage businesses. The company's Life Insurance segment is involved in selling and servicing lines of life insurance, annuity products, and accident and health insurance. It offers various life insurance products, including funeral plans and interest-sensitive life insurance, as well as other traditional life, accident, and health insurance products; annuity products comprising single and flexible premium deferred annuities, and immediate annuities; and diver's accident policies. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its Cemetery and Mortuary segment operates eight mortuaries and five cemeteries in the state of Utah; and one cemetery in the state of California. This segment also markets plots, interment vaults, mausoleum crypts, markers, caskets, flowers, and other death care related products; and provides professional services of funeral directors, opening and closing of graves, use of chapels and viewing rooms, and use of automobiles and clothing. The company's Mortgage segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Nevada, Texas, and Utah. It offers residential mortgage lending services to real estate brokers and independent mortgage loan originators. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.
Elevate Credit Company Profile
Elevate Credit, Inc. provides online credit solutions to non-prime consumers in the United States and the United Kingdom. The company offers unsecured online installment loans and lines of credit. Its products include Rise installment loan and line of credit products; Elastic, a line of credit product; and Sunny installment loan products. Elevate Credit, Inc. was incorporated in 2014 and is headquartered in Fort Worth, Texas.