Security National Financial (SNFCA)vsUnum Group (UNM)
SNFCA
Security National Financial
$9.24
-0.96%
FINANCIAL SERVICES · Cap: $242.77M
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 3695% more annual revenue ($13.08B vs $344.59M). SNFCA leads profitability with a 9.3% profit margin vs 5.7%. SNFCA trades at a lower P/E of 7.4x. SNFCA earns a higher WallStSmart Score of 60/100 (C+).
SNFCA
Buy60
out of 100
Grade: C+
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+84.1%
Fair Value
$58.97
Current Price
$9.24
$49.73 discount
Margin of Safety
-145.9%
Fair Value
$29.04
Current Price
$74.50
$45.46 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 22.2%
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
4.7% revenue growth
4.1% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
0.2% revenue growth
ROE of 6.7% — below average capital efficiency
5.7% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : SNFCA
The strongest argument for SNFCA centers on P/E Ratio, Price/Book, Operating Margin.
Bull Case : UNM
The strongest argument for UNM centers on Price/Book, P/E Ratio. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : SNFCA
The primary concerns for SNFCA are Revenue Growth, EPS Growth, Market Cap.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
SNFCA carries more volatility with a beta of 0.74 — expect wider price swings.
SNFCA is growing revenue faster at 4.7% — sustainability is the question.
UNM generates stronger free cash flow (320M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SNFCA scores higher overall (60/100 vs 56/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Security National Financial
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Security National Financial Corporation is engaged in the life, cemetery and mortuary, and mortgage insurance businesses. The company is headquartered in Draper, Utah.
Visit Website →Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
Visit Website →Compare with Other INSURANCE - LIFE Stocks
Want to dig deeper into these stocks?