Security National Financial (NASDAQ:SNFCA – Get Free Report) and Hannover Ruck (OTCMKTS:HVRRY – Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, earnings, valuation, institutional ownership, risk, profitability and analyst recommendations.
Profitability
This table compares Security National Financial and Hannover Ruck’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Security National Financial | 11.10% | 9.13% | 2.36% |
| Hannover Ruck | 9.33% | 18.00% | 3.48% |
Institutional & Insider Ownership
45.6% of Security National Financial shares are held by institutional investors. Comparatively, 0.0% of Hannover Ruck 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 hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Earnings and Valuation
This table compares Security National Financial and Hannover Ruck”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 | $344.59 million | 0.75 | $32.15 million | $1.39 | 6.80 |
| Hannover Ruck | $30.30 billion | 1.34 | $2.99 billion | $4.04 | 13.85 |
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.
Volatility & Risk
Security National Financial has a beta of 0.62, meaning that its stock price is 38% less volatile than the S&P 500. Comparatively, Hannover Ruck has a beta of 0.14, meaning that its stock price is 86% less volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of current ratings and recommmendations for Security National Financial and Hannover Ruck, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Security National Financial | 0 | 0 | 1 | 0 | 3.00 |
| Hannover Ruck | 0 | 1 | 0 | 1 | 3.00 |
Summary
Hannover Ruck beats Security National Financial on 8 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 Hannover Ruck
Hannover Rück SE, together with its subsidiaries, provides reinsurance products and services in Germany, the United Kingdom, France, Europe, the United States, Asia, Australia, Africa, and internationally. It operates through Property & Casualty Reinsurance; and Life & Health Reinsurance segments. The company provides property and casualty reinsurance solutions for agricultural, livestock, and bloodstock; aviation and space; catastrophe XL; credit, surety, and political risks; facultative; and marine and offshore energy businesses, as well as insurance-linked securities and structured reinsurance. It offers risk solutions in the areas of critical illness, disability, health, longevity, long term care, and mortality. In addition, the company offers group life, retirement, lifestyle, credit life, and Takaful reinsurance products. Further, the company provides various financial solutions, including new-business financing; monetization of embedded value; reserve and solvency relief; and reinsurance and solvency II businesses. The company was formerly known as Hannover Rückversicherung AG and changed its name to Hannover Rück SE in March 2013. Hannover Rück SE was founded in 1966 and is based in Hanover, Germany. Hannover Rück SE operates as a subsidiary of Talanx AG.
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