Green Dot (NYSE:GDOT) and Security National Financial (NASDAQ:SNFCA) are both business services companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, risk, dividends, institutional ownership, analyst recommendations, earnings and valuation.
Insider and Institutional Ownership
85.0% of Green Dot shares are owned by institutional investors. Comparatively, 9.9% of Security National Financial shares are owned by institutional investors. 9.7% of Green Dot shares are owned by insiders. Comparatively, 18.7% of Security National Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Valuation and Earnings
This table compares Green Dot and Security National Financial’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Green Dot||$890.15 million||4.40||$85.88 million||$1.58||47.20|
|Security National Financial||$276.93 million||0.34||$14.11 million||N/A||N/A|
Green Dot has higher revenue and earnings than Security National Financial.
This is a breakdown of current ratings and target prices for Green Dot and Security National Financial, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Security National Financial||0||0||0||0||N/A|
Green Dot currently has a consensus target price of $82.73, indicating a potential upside of 10.92%. Given Green Dot’s higher possible upside, equities analysts clearly believe Green Dot is more favorable than Security National Financial.
Volatility & Risk
Green Dot has a beta of 0.7, indicating that its share price is 30% less volatile than the S&P 500. Comparatively, Security National Financial has a beta of -0.42, indicating that its share price is 142% less volatile than the S&P 500.
This table compares Green Dot and Security National Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Security National Financial||10.54%||19.21%||2.95%|
Green Dot beats Security National Financial on 10 of the 12 factors compared between the two stocks.
Green Dot Company Profile
Green Dot Corporation, together with its subsidiaries, operates as a pro-consumer bank holding company that provides personal banking for the masses. It operates through two segments, Account Services and Processing, and Settlement Services. The company offers deposit as account programs, such reloadable prepaid debit cards under the consumer brand names of GPR cards, consumer checking accounts, small business checking accounts, network-branded gift cards, secured credit cards, and other financial services. It also provides swipe reload system for crediting cash onto an enabled payment card by swiping the payment card at the point of sale through Green Dot Network; MoneyPak, a product that allows a consumer to add funds to accounts; and e-cash remittance, a service that allows a consumer to transfer funds to a smartphone, as well as offers disbursement services through Simply Paid platform. The company, through its subsidiary, Green Dot Bank, provides prepaid cards, debit cards, checking accounts, secured credit cards, payroll debit cards, consumer cash processing services, wage disbursements, and tax refund processing services, as well as issuing, settlement, and capital management services. In addition, it offers mobile banking, loan disbursement accounts, mobile P2P, money transfer, instant payment, and processing and settlement services. It markets and sells its products and services through approximately 100,000 retail stores, various direct-to-consumer Websites, thousands of tax preparation offices, and various apps available in the 2 app stores, as well as distributes through various enterprise-scale ?Banking as a Service' partnerships, and Green Dot, a banking franchise in the United States. The company was formerly known as Next Estate Communications, Inc. and changed its name to Green Dot Corporation in October 2005. Green Dot Corporation was incorporated in 1999 and is headquartered in Pasadena, California.
Security National Financial Company Profile
Security National Financial Corporation engages in 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 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 the state of Utah; and one cemetery in the state of California. This segment also markets plots, interment vaults, mausoleum crypts, markers, caskets, flowers, 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 Mortgage 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 independent mortgage loan originators. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.
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