Security National Financial (NASDAQ:SNFCA) and LexinFintech (NASDAQ:LX) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, institutional ownership, valuation, dividends, earnings and profitability.
This table compares Security National Financial and LexinFintech’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Security National Financial||11.05%||18.81%||3.00%|
Security National Financial has a beta of -0.08, indicating that its stock price is 108% less volatile than the S&P 500. Comparatively, LexinFintech has a beta of 2.21, indicating that its stock price is 121% more volatile than the S&P 500.
Valuation and Earnings
This table compares Security National Financial and LexinFintech’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|
|LexinFintech||$857.97 million||1.98||$36.94 million||$0.22||47.23|
LexinFintech has higher revenue and earnings than Security National Financial.
Insider & Institutional Ownership
10.9% of Security National Financial shares are owned by institutional investors. Comparatively, 8.8% of LexinFintech shares are owned by institutional investors. 18.7% of Security National Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
This is a summary of recent recommendations for Security National Financial and LexinFintech, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Security National Financial||0||0||0||0||N/A|
LexinFintech has a consensus price target of $18.00, suggesting a potential upside of 73.24%. Given LexinFintech’s higher probable upside, analysts clearly believe LexinFintech is more favorable than Security National Financial.
LexinFintech beats Security National Financial on 10 of the 12 factors compared between the two stocks.
About Security National Financial
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.
LexinFintech Holdings Ltd., through its subsidiaries, operates as an online consumer finance platform for young adults in the People's Republic of China. The company operates Fenqile, an online consumer finance platform that offers personal installment loans, installment purchase loans, and other loan products, as well as Le Card credit line. It also matches customer loans with diversified funding sources, including individual investors on its Juzi Licai online investment platform, institutional funding partners in its direct lending programs, and investors of its asset-backed securities. The company was formerly known as Staging Finance Holding Ltd. and changed its name to LexinFintech Holdings Ltd. in March 2017. LexinFintech Holdings Ltd. was founded in 2013 and is headquartered in Shenzhen, the People's Republic of China.
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