Kemper (NYSE:KMPR) vs. Security National Financial (NASDAQ:SNFCA) Head to Head Analysis

Kemper (NYSE:KMPR) and Security National Financial (NASDAQ:SNFCA) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, valuation, profitability, risk, analyst recommendations, dividends and institutional ownership.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Kemper	-9.55%	4.54%	0.92%
Security National Financial	10.91%	8.43%	2.25%

Analyst Recommendations

This is a summary of current recommendations for Kemper and Security National Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Kemper	3	3	2	0	1.88
Security National Financial	0	0	1	0	3.00

Kemper currently has a consensus price target of $37.67, indicating a potential upside of 9.53%. Given Kemper’s higher possible upside, research analysts plainly believe Kemper is more favorable than Security National Financial.

Institutional & Insider Ownership

86.2% of Kemper shares are owned by institutional investors. Comparatively, 45.6% of Security National Financial shares are owned by institutional investors. 0.6% of Kemper shares are owned by insiders. Comparatively, 15.0% of Security National Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Earnings and Valuation

This table compares Kemper 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
Kemper	$4.79 billion	0.42	$143.30 million	($8.40)	-4.09
Security National Financial	$327.37 million	0.76	$32.15 million	$1.32	6.87

Kemper has higher revenue and earnings than Security National Financial. Kemper 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.

Volatility & Risk

Kemper has a beta of 1.06, suggesting that its share price is 6% more volatile than the S&P 500. Comparatively, Security National Financial has a beta of 0.62, suggesting that its share price is 38% less volatile than the S&P 500.

Summary

Security National Financial beats Kemper on 8 of the 14 factors compared between the two stocks.

About Kemper

Kemper Corporation is an insurance holding company that provides property and casualty, life, and health insurance products in the United States. Its offerings include personal auto coverage, with a focus on drivers served by specialty insurance markets, as well as life and supplemental health policies. The company distributes insurance through independent agents and other channels. Its businesses include Kemper Auto and Kemper Life, serving individuals and families across the country. Kemper traces its roots to 1912, when Lumbermens Mutual Casualty Company was founded.

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.