Security National Financial (NASDAQ:SNFCA – Get Free Report) and GoHealth (NASDAQ:GOCO – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, risk, institutional ownership, earnings, analyst recommendations, valuation and dividends.
Institutional and Insider Ownership
45.6% of Security National Financial shares are held by institutional investors. Comparatively, 24.2% of GoHealth shares are held by institutional investors. 13.0% of Security National Financial shares are held by company insiders. Comparatively, 34.0% of GoHealth 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.
Risk & Volatility
Security National Financial has a beta of 0.75, meaning that its stock price is 25% less volatile than the S&P 500. Comparatively, GoHealth has a beta of 1.64, meaning that its stock price is 64% more volatile than the S&P 500.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Security National Financial | 0 | 1 | 0 | 0 | 2.00 |
| GoHealth | 1 | 2 | 1 | 0 | 2.00 |
GoHealth has a consensus price target of $5.00, indicating a potential upside of 131.48%. Given GoHealth’s higher possible upside, analysts clearly believe GoHealth is more favorable than Security National Financial.
Profitability
This table compares Security National Financial and GoHealth’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Security National Financial | 5.46% | 5.30% | 1.22% |
| GoHealth | -26.95% | 8.00% | 1.65% |
Valuation & Earnings
This table compares Security National Financial and GoHealth”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Security National Financial | $334.52 million | 0.69 | $26.54 million | $0.73 | 12.08 |
| GoHealth | $798.89 million | 0.08 | -$2.93 million | ($15.86) | -0.14 |
Security National Financial has higher earnings, but lower revenue than GoHealth. GoHealth is trading at a lower price-to-earnings ratio than Security National Financial, indicating that it is currently the more affordable of the two stocks.
Summary
GoHealth beats Security National Financial on 7 of the 13 factors compared between the two stocks.
About Security National Financial
Security National Financial Corporation engages in the 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 insurance 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 Utah; one cemetery in California; and four mortuaries and one cemetery in New Mexico. This segment also offers plots, interment vaults, mausoleum crypts, markers, caskets, urns, 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 Mortgages 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 builders, as well as directly with consumers. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.
About GoHealth
GoHealth, Inc. operates as a health insurance marketplace and Medicare-focused digital health company in the United States. The company operates a technology platform that leverages machine-learning algorithms of insurance behavioral data to optimize the process for helping individuals find the health insurance plan for their specific needs. It provides Medicare plans, including Medicare Advantage, Medicare Supplement and Prescription Drug, and Medicare Special Needs Plans. The company also offers partner marketing services. It sells its products through carriers and online platform, as well as independent and external agencies. The company was founded in 2001 and is headquartered in Chicago, Illinois.
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