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AAME vs SNFCA vs TPVG
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Mortgages
Asset Management
AAME vs SNFCA vs TPVG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||
|---|---|---|---|
| Industry | Insurance - Life | Financial - Mortgages | Asset Management |
| Market Cap | $53M | $251M | $243M |
| Revenue (TTM) | $208M | $344.59B | $97M |
| Net Income (TTM) | $5M | $19M | $-12M |
| Gross Margin | 18.9% | — | 83.5% |
| Operating Margin | 3.2% | — | 77.9% |
| Forward P/E | — | 7.9x | 6.5x |
| Total Debt | $38M | $0.00 | $469M |
| Cash & Equiv. | $36M | $0.00 | $20M |
AAME vs SNFCA vs TPVG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Atlantic American C… (AAME) | 100 | 145.8 | +45.8% |
| Security National F… (SNFCA) | 100 | 190.0 | +90.0% |
| TriplePoint Venture… (TPVG) | 100 | 59.8 | -40.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AAME vs SNFCA vs TPVG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
AAME carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.40, yield 0.8%
- Lower volatility, beta 0.40, Low D/E 37.9%, current ratio 8.84x
- Beta 0.40, yield 0.8%, current ratio 8.84x
SNFCA is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 42K%, EPS growth 18.9%
- 209.4% 10Y total return vs TPVG's 93.3%
- 42K% NII/revenue growth vs AAME's 0.8%
TPVG is the clearest fit if your priority is quality.
- 50.6% margin vs AAME's 2.5%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 42K% NII/revenue growth vs AAME's 0.8% | |
| Value | Better valuation composite | |
| Quality / Margins | 50.6% margin vs AAME's 2.5% | |
| Stability / Safety | Beta 0.40 vs TPVG's 0.83, lower leverage | |
| Dividends | 0.8% yield, 1-year raise streak, vs TPVG's 17.1%, (1 stock pays no dividend) | |
| Momentum (1Y) | +52.7% vs SNFCA's -1.0% | |
| Efficiency (ROA) | 1.2% ROA vs TPVG's -1.5%, ROIC -3.6% vs 7.2% |
AAME vs SNFCA vs TPVG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
AAME vs SNFCA vs TPVG — Financial Metrics
Side-by-side numbers across 3 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
SNFCA leads in 3 of 6 categories
TPVG leads 1 • AAME leads 0 • 2 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
TPVG leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
SNFCA is the larger business by revenue, generating $344.6B annually — 3544.8x TPVG's $97M. TPVG is the more profitable business, keeping 50.6% of every revenue dollar as net income compared to AAME's 2.5%.
| Metric | |||
|---|---|---|---|
| RevenueTrailing 12 months | $208M | $344.6B | $97M |
| EBITDAEarnings before interest/tax | $7M | $27M | -$22M |
| Net IncomeAfter-tax profit | $5M | $19M | -$12M |
| Free Cash FlowCash after capex | $24M | $46M | $35M |
| Gross MarginGross profit ÷ Revenue | +18.9% | — | +83.5% |
| Operating MarginEBIT ÷ Revenue | +3.2% | — | +77.9% |
| Net MarginNet income ÷ Revenue | +2.5% | +9.3% | +50.6% |
| FCF MarginFCF ÷ Revenue | +11.6% | +12.7% | -58.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | +20.8% | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +127.1% | -36.7% | -2.3% |
Valuation Metrics
SNFCA leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
At 4.9x trailing earnings, TPVG trades at a 38% valuation discount to SNFCA's 7.9x P/E.
| Metric | |||
|---|---|---|---|
| Market CapShares × price | $53M | $251M | $243M |
| Enterprise ValueMkt cap + debt − cash | $55M | $251M | $691M |
| Trailing P/EPrice ÷ TTM EPS | -11.22x | 7.86x | 4.91x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — | 6.50x |
| PEG RatioP/E ÷ EPS growth rate | — | — | 4.84x |
| EV / EBITDAEnterprise value multiple | — | — | 9.13x |
| Price / SalesMarket cap ÷ Revenue | 0.28x | 0.00x | 2.50x |
| Price / BookPrice ÷ Book value/share | 0.53x | 0.00x | 0.68x |
| Price / FCFMarket cap ÷ FCF | 11.50x | 0.01x | — |
Profitability & Efficiency
SNFCA leads this category, winning 4 of 9 comparable metrics.
Profitability & Efficiency
SNFCA delivers a 5.3% return on equity — every $100 of shareholder capital generates $5 in annual profit, vs $-3 for TPVG. AAME carries lower financial leverage with a 0.38x debt-to-equity ratio, signaling a more conservative balance sheet compared to TPVG's 1.33x. On the Piotroski fundamental quality scale (0–9), AAME scores 5/9 vs SNFCA's 2/9, reflecting solid financial health.
| Metric | |||
|---|---|---|---|
| ROE (TTM)Return on equity | +4.9% | +5.3% | -3.4% |
| ROA (TTM)Return on assets | +1.2% | +1.2% | -1.5% |
| ROICReturn on invested capital | -3.6% | — | +7.2% |
| ROCEReturn on capital employed | -1.4% | — | +9.4% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 2 | 5 |
| Debt / EquityFinancial leverage | 0.38x | — | 1.33x |
| Net DebtTotal debt minus cash | $2M | $0 | $449M |
| Cash & Equiv.Liquid assets | $36M | $0 | $20M |
| Total DebtShort + long-term debt | $38M | $0 | $469M |
| Interest CoverageEBIT ÷ Interest expense | 3.08x | 6.24x | -1.02x |
Total Returns (Dividends Reinvested)
SNFCA leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SNFCA five years ago would be worth $14,495 today (with dividends reinvested), compared to $6,650 for AAME. Over the past 12 months, AAME leads with a +52.7% total return vs SNFCA's -1.0%. The 3-year compound annual growth rate (CAGR) favors SNFCA at 11.5% vs TPVG's -1.2% — a key indicator of consistent wealth creation.
| Metric | |||
|---|---|---|---|
| YTD ReturnYear-to-date | -10.4% | +14.1% | -6.3% |
| 1-Year ReturnPast 12 months | +52.7% | -1.0% | +19.3% |
| 3-Year ReturnCumulative with dividends | +18.9% | +38.7% | -3.4% |
| 5-Year ReturnCumulative with dividends | -33.5% | +44.9% | -13.5% |
| 10-Year ReturnCumulative with dividends | -33.2% | +209.4% | +93.3% |
| CAGR (3Y)Annualised 3-year return | +5.9% | +11.5% | -1.2% |
Risk & Volatility
Evenly matched — AAME and SNFCA each lead in 1 of 2 comparable metrics.
Risk & Volatility
AAME is the less volatile stock with a 0.40 beta — it tends to amplify market swings less than TPVG's 0.83 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SNFCA currently trades 90.0% from its 52-week high vs AAME's 69.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | |||
|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.40x | 0.80x | 0.83x |
| 52-Week HighHighest price in past year | $3.71 | $11.00 | $7.53 |
| 52-Week LowLowest price in past year | $1.57 | $7.70 | $4.48 |
| % of 52W HighCurrent price vs 52-week peak | +69.5% | +90.0% | +79.5% |
| RSI (14)Momentum oscillator 0–100 | 49.3 | 55.5 | 58.3 |
| Avg Volume (50D)Average daily shares traded | 10K | 36K | 504K |
Analyst Outlook
Evenly matched — AAME and TPVG each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, TPVG offers the higher dividend yield at 17.11% vs AAME's 0.78%.
| Metric | |||
|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — | Hold |
| Price TargetConsensus 12-month target | — | — | $8.95 |
| # AnalystsCovering analysts | — | — | 12 |
| Dividend YieldAnnual dividend ÷ price | +0.8% | — | +17.1% |
| Dividend StreakConsecutive years of raises | 1 | — | 0 |
| Dividend / ShareAnnual DPS | $0.02 | — | $1.02 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.0% | 0.0% | 0.0% |
SNFCA leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). TPVG leads in 1 (Income & Cash Flow). 2 tied.
AAME vs SNFCA vs TPVG: Key Questions Answered
9 questions · data-driven answers · updated daily
01Is AAME or SNFCA or TPVG a better buy right now?
For growth investors, Security National Financial Corporation (SNFCA) is the stronger pick with 42061% revenue growth year-over-year, versus 0.
8% for Atlantic American Corporation (AAME). TriplePoint Venture Growth BDC Corp. (TPVG) offers the better valuation at 4. 9x trailing P/E (6. 5x forward), making it the more compelling value choice. Analysts rate TriplePoint Venture Growth BDC Corp. (TPVG) a "Hold" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AAME or SNFCA or TPVG?
On trailing P/E, TriplePoint Venture Growth BDC Corp.
(TPVG) is the cheapest at 4. 9x versus Security National Financial Corporation at 7. 9x.
03Which is the better long-term investment — AAME or SNFCA or TPVG?
Over the past 5 years, Security National Financial Corporation (SNFCA) delivered a total return of +44.
9%, compared to -33. 5% for Atlantic American Corporation (AAME). Over 10 years, the gap is even starker: SNFCA returned +209. 4% versus AAME's -33. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AAME or SNFCA or TPVG?
By beta (market sensitivity over 5 years), Atlantic American Corporation (AAME) is the lower-risk stock at 0.
40β versus TriplePoint Venture Growth BDC Corp. 's 0. 83β — meaning TPVG is approximately 108% more volatile than AAME relative to the S&P 500. On balance sheet safety, Atlantic American Corporation (AAME) carries a lower debt/equity ratio of 38% versus 133% for TriplePoint Venture Growth BDC Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — AAME or SNFCA or TPVG?
By revenue growth (latest reported year), Security National Financial Corporation (SNFCA) is pulling ahead at 42061% versus 0.
8% for Atlantic American Corporation (AAME). On earnings-per-share growth, the picture is similar: TriplePoint Venture Growth BDC Corp. grew EPS 48. 8% year-over-year, compared to -724. 4% for Atlantic American Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — AAME or SNFCA or TPVG?
TriplePoint Venture Growth BDC Corp.
(TPVG) is the more profitable company, earning 50. 6% net margin versus -2. 3% for Atlantic American Corporation — meaning it keeps 50. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TPVG leads at 77. 9% versus -2. 8% for AAME. At the gross margin level — before operating expenses — TPVG leads at 83. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Which pays a better dividend — AAME or SNFCA or TPVG?
In this comparison, TPVG (17.
1% yield), AAME (0. 8% yield) pay a dividend. SNFCA does not pay a meaningful dividend and should not be held primarily for income.
08Is AAME or SNFCA or TPVG better for a retirement portfolio?
For long-horizon retirement investors, Atlantic American Corporation (AAME) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
40), 0. 8% yield). Both have compounded well over 10 years (AAME: -33. 2%, SNFCA: +209. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between AAME and SNFCA and TPVG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: AAME is a small-cap quality compounder stock; SNFCA is a small-cap high-growth stock; TPVG is a small-cap high-growth stock. AAME, TPVG pay a dividend while SNFCA does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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- Sector: Financial Services
- Market Cap > $100B
- Revenue Growth > 10%
- Dividend Yield > 0.5%
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