Security National Financial (SNFCA)vsUnum Group (UNM)
SNFCA
Security National Financial
$9.64
+2.44%
FINANCIAL SERVICES · Cap: $252.05M
UNM
Unum Group
$86.84
+2.27%
FINANCIAL SERVICES · Cap: $14.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 3805% more annual revenue ($13.34B vs $341.58M). SNFCA leads profitability with a 9.6% profit margin vs 5.9%. SNFCA trades at a lower P/E of 7.6x. UNM earns a higher WallStSmart Score of 67/100 (B-).
SNFCA
Hold47
out of 100
Grade: D+
UNM
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 33.0% YoY
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 3.6%
Distress zone — elevated risk
ROE of 7.2% — below average capital efficiency
5.9% 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, Debt/Equity.
Bull Case : UNM
The strongest argument for UNM centers on Price/Book, EPS Growth. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : SNFCA
The primary concerns for SNFCA are Market Cap, Revenue Growth, Altman Z-Score.
Bear Case : UNM
The primary concerns for UNM are Return on Equity, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
SNFCA carries more volatility with a beta of 0.70 — expect wider price swings.
UNM is growing revenue faster at 8.5% — sustainability is the question.
UNM generates stronger free cash flow (301M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNM scores higher overall (67/100 vs 47/100). Both earn "Strong Buy" and "Hold" 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
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