Head to Head Analysis: Security National Financial (NASDAQ:SNFCA) and Hannover Ruck (OTCMKTS:HVRRY)

Hannover Ruck (OTCMKTS:HVRRY) and Security National Financial (NASDAQ:SNFCA) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their valuation, analyst recommendations, profitability, risk, earnings, dividends and institutional ownership.

Valuation & Earnings

This table compares Hannover Ruck and Security National Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Hannover Ruck	$30.30 billion	1.30	$2.99 billion	$4.04	13.49
Security National Financial	$327.37 million	0.75	$32.15 million	$1.32	6.83

Hannover Ruck has higher revenue and earnings than Security National Financial. Security National Financial is trading at a lower price-to-earnings ratio than Hannover Ruck, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of current recommendations for Hannover Ruck and Security National Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Hannover Ruck	0	1	0	1	3.00
Security National Financial	0	0	1	0	3.00

Profitability

This table compares Hannover Ruck and Security National Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Hannover Ruck	9.41%	17.82%	3.51%
Security National Financial	10.91%	8.43%	2.25%

Volatility and Risk

Hannover Ruck has a beta of 0.14, indicating that its stock price is 86% less volatile than the S&P 500. Comparatively, Security National Financial has a beta of 0.62, indicating that its stock price is 38% less volatile than the S&P 500.

Institutional and Insider Ownership

0.0% of Hannover Ruck shares are held by institutional investors. Comparatively, 45.6% of Security National Financial shares are held by institutional investors. 15.0% of Security National Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

Hannover Ruck beats Security National Financial on 8 of the 13 factors compared between the two stocks.

About Hannover Ruck

Hannover Rück SE, commonly known as Hannover Re, is a Germany-based reinsurance company headquartered in Hannover. Founded in 1966, it provides risk transfer and related services to insurers and other clients around the world. The company’s main business areas are property and casualty reinsurance and life and health reinsurance. Its offerings include coverage for risks such as natural catastrophes, property damage, liability, mortality and longevity, as well as tailored reinsurance and risk management solutions.

About Security National Financial

Security National Financial Corporation (NASDAQ: SNFCA) is a Utah-based financial services holding company that operates through subsidiaries focused on life insurance, mortgage lending, and funeral-related services. Its insurance operations, conducted primarily through Security National Life Insurance Company, offer life insurance products, including traditional and final-expense coverage, as well as annuities and pre-need funeral insurance. These products are designed to help individuals provide financial protection for beneficiaries and plan for future funeral and burial expenses.