Security National Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Security National Financial (SNFCA) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Security National Financial vs Its Competitors
- TTM: Trailing 12-month revenue of 336M vs 2,410,170M combined for its competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (-0.1% annualized vs trailing 12 months), vs accelerating (+2.5%) for its tracked peer group.
- Growth: Security National Financial generated -6.3% revenue growth year over year in Q2 2026, vs 8.4% for its competitors combined.
- Profitability: Its 10.7% net margin compares with 10.6% for the peer group.
- Scale: Security National Financial ranks #56 of 116 companies by market capitalization in the Miscellaneous Financial Services industry, holding 0.0% of industry market cap.
- Peer revenue share: Security National Financial accounted for 0.0% of combined revenue among its tracked peer group, down from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.27M compares with $1.28M for the peer group (0.2x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
SNFCA Sales vs. its Competitors, Q2 2026
Security National Financial reported revenue contraction of 6.27 % year on year in Q2 2026, below its competitors' combined revenue growth of 8.42 %.
With a net margin of 10.70 %, Security National Financial achieved higher profitability than its competitors (10.64 %).
Security National Financial generated 0.01 % of the combined sales of its peer group, down from 0.02 % a year earlier.
API endpoints for this dataset
Security National Financial vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Security National Financial reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Security National Financial and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Security National Financial Corporation | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (1) | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (5) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Security National Financial's competitor groups requires a Commercial License.
For context: the Miscellaneous Financial Services industry grew revenue 354.9% year over year, combined, vs -6.3% for Security National Financial. Security National Financial's share of combined industry revenue moved from 0.11% to 0.02%, a loss of 0.09 percentage points.
Security National Financial's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Security National Financial Corporation | Yes | No | No | No |
| Competitors combined (52) | ||||
| High-Confidence Competitors (1) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
SNFCA Stock Performance relative to its Competitors
SNFCA Stock Performance relative to High-Confidence Competitors
SNFCA Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Centene Corporation | 282.9% | Outperformed |
| 2 | Humana Inc | 282.9% | Outperformed |
| 3 | Assurant Inc | 282.9% | Outperformed |
| 4 | Molina Healthcare Inc | 282.9% | Outperformed |
| 5 | Voya Financial Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Security National Financial's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Security National Financial's Comment on Competition and Industry Peers
Publicly Traded Peers of Security National Financial Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Security National Financial Corporation |
252.25 | 335.96 |
 Bank Of America Corporation |
365,082.21 | 122,968.00 |
 Unitedhealth Group Incorporated |
358,653.24 | 449,662.00 |
 Capital one financial corp |
121,034.51 | 54,798.00 |
 Futu Holdings Ltd |
114,181.59 | 2,935.37 |
 Pnc Financial Services Group Inc |
92,751.30 | 25,673.00 |
| SUBTOTAL | 2,053,820.75 | 2,442,382.53 |
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Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Security National Financial Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Security National Financial's Competitors Named by the Company
Competitive relationships identified from Security National Financial reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| United States. The Company | Company report | 85% |
| American National Group Inc | Company report | 85% |
| National Western Life Group Inc | Company report | 85% |
| Triple s Management Corporation | Company report | 85% |
| Cno Financial Group Inc | Company report | 85% |
| United Fire Group Inc | Company report | 85% |
| American International Group Inc | Company report | 85% |
| Genworth Financial Inc | Company report | 85% |
| Loews Corp | Company report | 85% |
| National Security Group Inc. | Company report | 85% |
| Citizens Inc | Company report | 85% |
| Cincinnati Financial Corporation | Company report | 85% |
| Horace Mann Educators Corporation | Company report | 85% |
| Prudential Financial Inc | Company report | 85% |
| Midwest Holding Inc | Company report | 85% |
| Assurant Inc | Company report | 85% |
| Lincoln National Corporation | Company report | 85% |
| Utg Inc | Company report | 85% |
| Fbl Financial Group Inc | Company report | 85% |
| Aflac Incorporated | Company report | 85% |
| Kemper Corporation | Company report | 85% |
| Voya Financial Inc | Company report | 85% |
| Atlantic American Corp | Company report | 85% |
| Axis Capital Holdings Limited | Company report | 85% |
| The Hartford Insurance Group Inc | Company report | 85% |
| Metlife Inc | Company report | 85% |
| First Trinity Financial Corporation | Company report | 85% |
| Partnerre Ltd | Company report | 85% |
Company report basis, confidence, active dates and source counts for Security National Financial's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Security National Financial's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Unitedhealth Group Incorporated | UnitedHealthcare 76.61 % |
| Capital one financial corp | Credit Card 74.32 % |
| Elevance Health Inc | Reportable 100.00 % |
| The Cigna Group | Evernorth 86.55 % |
| Aon Plc | Risk Capital 65.40 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Security National Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Security National Financial Corporation | 252 | 270,283 | 30,001 |
| Bank Of America Corporation | 365,082 | 577,315 | 150,793 |
| Unitedhealth Group Incorporated | 358,653 | 1,152,979 | 42,254 |
| Capital one financial corp | 121,035 | 718,191 | 142,595 |
| Futu Holdings Ltd | 114,182 | 14,531,554 | 7,211,243 |
| Pnc Financial Services Group Inc | 92,751 | 463,973 | 143,513 |
| PEERS TOTAL | 2,053,568 | 1,280,417 | 120,472 |
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Security National Financial's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Aon Plc | Europe, Middle East, and Africa, Other Than United Kingdom and Ireland 14.78 % |
| Citizens Inc | All Countries 66.88 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Security National Financial's Position in Industry Market Structure
Market-capitalization share and concentration across all 99 companies in Security National Financial's industry classification, broader than the peer set above. Market cap in millions of $.Security National Financial ranks #56 of 99 companies by market capitalization in its industry, holding 0.04 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,624, indicating a moderately concentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | American Express Company | 220,206 | 36.58 % |
| 2 | Nu Holdings Ltd | 60,655 | 10.08 % |
| 3 | Strategy Inc | 44,275 | 7.35 % |
| 4 | Coinbase Global Inc | 35,850 | 5.96 % |
| 5 | Federal National Mortgage Association Fannie Mae | 1,234 | 5.2% |
| 6 | Synchrony Financial | 1,234 | 5.2% |
| 7 | Sofi Technologies Inc | 1,234 | 5.2% |
| 8 | Eason Technology Limited | 1,234 | 5.2% |
| 9 | Circle Internet Group Inc | 1,234 | 5.2% |
| 10 | Federal Home Loan Mortgage Corporation | 1,234 | 5.2% |
| 56 | Security National Financial Corporation | 252 | 0.04 % |
Market cap and industry share for the rest of Security National Financial's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-09.
Security National Financial's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 51 | Better Home and Finance Holding Company | 376 | -68.17 % |
| 52 | Whitefiber Inc | 370 | -68.20 % |
| 53 | Amtd Digital Inc | 311 | -21.63 % |
| 54 | Cnfinance Holdings Limited | 307 | -59.84 % |
| 55 | Bit Digital Inc | 1,234 | 12.3% |
| 56 | Security National Financial Corporation | 252 | 18.45 % |
| 57 | Consumer Portfolio Services Inc | 1,234 | 12.3% |
| 58 | Lexinfintech Holdings Ltd | 1,234 | 12.3% |
| 59 | Medallion Financial Corp | 1,234 | 12.3% |
| 60 | Bakkt Inc | 1,234 | 12.3% |
| 61 | Amtd Idea Group | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Security National Financial's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-09. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Security National Financial's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Miscellaneous Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (127 companies). See the full Miscellaneous Financial Services industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 70.40 % | 39.33 % (avg) | +31.1 pp |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 21.07 % | 7.22 % (avg) | +13.9 pp |
| Capital Intensity (Capex / Revenue) | 0.39 % | 5.13 % (avg) | -4.7 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Security National Financial's Valuation vs Competitive Position
Valuation multiples vs the Miscellaneous Financial Services industry average (127 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Miscellaneous Financial Services industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 7.5x | 19.3x | -11.8x |
| EV / EBITDA | 3.5x | 13.4x | -9.9x |
| P/B | 0.6x | 2.9x | -2.2x |
| Return on Equity | 9.13 % | industry aggregate | 10.39 % |
| Return on Invested Capital | - | -4.39 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Security National Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 0.97 % | 1.23 % | 70.09 % | -2.24 % | -17.22 % | -18.26 % | 5.03 % | 3.01 % |
| Operating Margin | 28.83 % | 39.35 % | 45.31 % | 37.64 % | 8.82 % | 5.12 % | 10.19 % | 12.02 % |
| Return on Invested Capital | 13.85 % | 17.15 % | 24.37 % | 19.27 % | 2.65 % | 0.94 % | 1.86 % | 4.33 % |
| P/E | 3.2x | 7.5x | 2.9x | 4.7x | 6.2x | 12.4x | 9.2x | 6.8x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Security National Financial's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Security National Financial falls in the Dog quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 2.8% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution. A caveat worth reading alongside this chart: American Express Company alone holds 37% of this industry's market cap. In an industry this dominated by one leader, the framework will place nearly every OTHER company in "Dog" or "Question Mark" purely because relative share is measured against that leader, regardless of how strong those other companies actually are on their own fundamentals. Check the Profitability, Valuation and Financial Strength sections above before treating this quadrant label as a verdict.
Security National Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,624 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.39 % vs industry average 5.13 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Security National Financial's dedicated Suppliers and Customers pages, not here.
Security National Financial's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Security National Financial falls in the Low attractiveness / Medium strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Security National Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Return on equity 10.4 points above the industry aggregate.
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Low relative market share vs the industry leader (0.00x).
Opportunities
No rule matched.
Threats
- Industry dominated by American Express Company, holding 36.58 % of industry market cap.
Methodology: see Methodology: SWOT Analysis.
Security National Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Security National Financial Corporation | 0.13 | 1.08 | 0.29 |
| Bank Of America Corporation | 0.10 | 0.52 | 1.27 |
| Unitedhealth Group Incorporated | 0.23 | 0.81 | 0.73 |
| Capital one financial corp | 0.05 | 1.03 | 0.58 |
| Futu Holdings Ltd | 0.06 | 1.19 | 0.30 |
| Pnc Financial Services Group Inc | 0.04 | 0.02 | 1.20 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Security National Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Security National Financial Corporation | Q2 2026 | -6.3 % | +7.3 % |
| Bank Of America Corporation | Q3 2026 | +3.2 % | -16.8 % |
| Unitedhealth Group Incorporated | Q3 2026 | -0.4 % | +61.6 % |
| Capital one financial corp | Q3 2026 | +29.3 % | +12.0 % |
| Futu Holdings Ltd | Q4 2025 | +67.8 % | +107.9 % |
| Pnc Financial Services Group Inc | Q3 2026 | +10.9 % | +14.2 % |
| PEERS TOTAL | +5.8 % | +54.5 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Security National Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Security National Financial Corporation | Q2 2026 | +2.1 % | -30.7 % |
| Bank Of America Corporation | Q3 2026 | - | - |
| Unitedhealth Group Incorporated | Q3 2026 | +9.1 % | -3.5 % |
| Capital one financial corp | Q3 2026 | +7.4 % | +1.3 % |
| Futu Holdings Ltd | Q4 2025 | +29.0 % | -67.4 % |
| Pnc Financial Services Group Inc | Q3 2026 | - | - |
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Security National Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Security National Financial Corporation | 2.36% | 6.40% | 9.13% |
| Bank Of America Corporation | 0.93% | 1.18% | 10.69% |
| Unitedhealth Group Incorporated | 5.30% | 8.29% | 15.97% |
| Capital one financial corp | 1.61% | 1.59% | 9.69% |
| Futu Holdings Ltd | 4.96% | 19.74% | 28.34% |
| Pnc Financial Services Group Inc | 1.31% | 1.34% | 12.67% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Security National Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Security National Financial Corporation | 7.33 | 0.75 |
| Bank Of America Corporation | 12.06 | 2.97 |
| Unitedhealth Group Incorporated | 23.01 | 0.80 |
| Capital one financial corp | 11.30 | 2.21 |
| Futu Holdings Ltd | 78.27 | 38.90 |
| Pnc Financial Services Group Inc | 12.33 | 3.61 |
| PEERS AVERAGE | 8.94 | 0.84 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.