Oversold

SNFCA

Valuation53/ 100
Cash flow & growth57/ 100
Upside potential46/ 100
Risk potential27/ 100

SNFCA's valuation appears fair and fundamentals are somewhat mixed.

Score change since last week

The score rose 1 point, mainly due to valuation and price changes. Price rose 2.6%, from $8.80 to $9.03.

Valuation and price changes added 1.0 points. The comparison uses the same available inputs on both dates. Displayed changes are rounded to whole points.

Valuation

Historical cheapness: current PE is 5.9× versus the full-history median of 6.1× shown in the valuation table, producing 52.7/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 52.8/100. The model applies a 10.9% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 8.2× (18-month half-life). The favorable scenario uses 6.5× PE and $1.9 projected EPS, informed by growth, margins and earnings-quality checks. This is a model scenario, not an analyst target. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are mixed. Over the past year: revenue +178.2%, earnings +67.7%, operating margin -13 percentage points. The business score is 56.7/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Stronger earnings and valuation could support a higher share price.

Our favorable case uses $1.90 of EPS and a 6.5× PE, suggesting a share price of about $12.32 — 36% above today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Weaker than expected earnings could put pressure on the share price.

Our downside case uses $1.21 of EPS and a 5.4× PE, suggesting a share price of about $6.57 — 27% below today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

SNFCA vs Historical averages

MetricCurrentAverageRelative
PE5.9x6.3x7% lower
PE percentile48504% lower
EPS$1.54$1.9923% lower
FCF$79.3M$66.7M19% higher
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SNFCA’s fundamentals are mixed relative to their historical averages, while its earnings multiple is lower.

SNFCA Forward outlook

MetricOutlook
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SNFCA PE Valuation

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This table applies SNFCA's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

SNFCA Earnings Per Share

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This chart tracks SNFCA's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

SNFCA Quarterly Revenue

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This chart tracks SNFCA's quarterly revenue over time and shows how sales are changing from year to year.

SNFCA Free Cash Flow

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This chart tracks SNFCA's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

SNFCA Total Shares

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This chart tracks changes in SNFCA's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

SNFCA Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

SNFCA PE vs Financial Services Sector

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This chart compares SNFCA's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

SNFCA Weekly Price

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This chart uses SNFCA's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

SNFCA Weekly Moving Averages

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This chart compares SNFCA's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

SNFCA Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.