` Comparison: SNFCA vs ESNT - Alpha Spread
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SNFCA
vs
ESNT

Over the past 12 months, SNFCA has underperformed ESNT, delivering a return of -29% compared to the ESNT's +15% growth.

Valuation Growth Profitability Solvency Stocks Performance
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SNFCA
ESNT
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Stocks Compared:
SNFCA ESNT
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Valuation Comparison

SNFCA Intrinsic Value
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ESNT Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Security National Financial Corp
NASDAQ:SNFCA
9.35 USD
Essent Group Ltd
NYSE:ESNT
65.12 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SNFCA, ESNT

SNFCA
ESNT
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Security National Financial Corp
Revenue
Essent Group Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
SNFCA, ESNT

SNFCA
ESNT
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Security National Financial Corp
NASDAQ:SNFCA
FCF is not applicable for financial companies
Essent Group Ltd
NYSE:ESNT
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SNFCA
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Security National Financial Corp
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Operating Margin

SNFCA
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Security National Financial Corp
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Net Margin

SNFCA
5.5%
ESNT
55.6%

FCF Margin

SNFCA
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Security National Financial Corp
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

ROE

SNFCA
5.2%
ESNT
12.4%

ROA

SNFCA
1.2%
ESNT
9.7%

ROIC

SNFCA
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Security National Financial Corp
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

ROCE

SNFCA
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Security National Financial Corp
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Solvency Comparison

Security National Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Essent Group Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SNFCA, ESNT

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SNFCA
ESNT
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
SNFCA, ESNT

Performance Gap Between SNFCA and ESNT
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Performance By Year
SNFCA, ESNT

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SNFCA
ESNT
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