CSV vs SCI vs SNFCA Stock Comparison

Carriage Services, Service Corp International and Security National Financial Prices as of Oct 23, 2026 Peers: Industry group
CSV Carriage Services Inc
$35.44 +11.8% 1M -21.6% 1Y
Market cap
$550.92M
P/E
12.4x
Revenue (TTM)
$417.29M
Div. yield
0.01%
Funeral Services Consumer Discretionary
1 win
SCI Service Corp International
$83.32 +7.0% 1M +2.5% 1Y
Market cap
$11.33B
P/E
21.1x
Revenue (TTM)
$4.37B
Div. yield
0.02%
Funeral Services Consumer Discretionary
7 wins

Head to Head

12 decided of 12

Service Corp International leads on 7 of the 12 questions below (Service Corp International 7, Security National Financial 4, Carriage Services 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionCSVSCISNFCALeader
Larger companyMarket capitalisation $550.92M $11.33B $238.01M SCI
Cheaper on earningsLower P/E, profitable companies only 12.4x 21.1x 6.4x SNFCA
Cheaper on forward earningsLower price / next fiscal year consensus EPS 10.0x 20.8x — CSV
Faster revenue growthRevenue growth, trailing twelve months +2.4% +2.9% -1.1% SCI
More profitableNet margin, trailing twelve months 10.7% 12.3% 11.1% SCI
Better return on capitalReturn on invested capital 8.7% 10.7% -6.6% SCI
Less leveragedLower net debt / EBITDA 4.4x 4.1x — SCI
Higher dividend yieldTrailing dividend yield 0.01% 0.02% 0.00% SCI
Better 1-year returnPrice return, last 12 months -21.6% +2.5% +10.2% SNFCA
Better 5-year returnAnnualised price return, 5 years -4.3%/yr +5.5%/yr +5.9%/yr SNFCA
Less volatileAnnualised volatility, 1 year 31.3% 24.7% 30.0% SCI
Higher overall scoreMean of the five percentile scores vs peers 26/100 32/100 41/100 SNFCA

Percentile Scorecard

CSVSCISNFCA

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisCSVSCISNFCA
Valuation 56 #15 of 33 16 #28 of 33 89 #14 of 119
Growth 14 #26 of 30 17 #25 of 30 22 #91 of 117
Profitability 36 #19 of 29 79 #7 of 29 34 #78 of 117
Financial Health 11 #35 of 39 3 #38 of 39 50 #59 of 118
Shareholder Returns 13 #14 of 16 47 #9 of 16 11 #96 of 108
Overall 26 32 41
  • CSV ranked among 39 companies in Consumer Services
  • SCI ranked among 39 companies in Consumer Services
  • SNFCA ranked among 126 companies in Insurance

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodCSVSCISNFCASPY
1 month +11.8%+7.0%+6.1% -1.0%
3 months -9.1%+1.2%-3.5% +2.9%
6 months -30.8%-5.0%-7.6% +6.4%
Year to date -16.2%+6.9%+1.6% +11.4%
1 year -21.6%+2.5%+10.2% +13.1%
3 years +59.5%+53.8%+40.6% +79.4%
3 years, per year +16.9%+15.5%+12.0% +21.5%
5 years -19.9%+30.9%+33.2% +67.7%
5 years, per year -4.3%+5.5%+5.9% +10.9%
10 years +46.4%+218.3%+103.3% +255.2%
10 years, per year +3.9%+12.3%+7.4% +13.5%

Risk

MeasureCSVSCISNFCASPY
Volatility, 1Y 31.3%24.7%30.0% 12.7%
Downside volatility, 1Y 34.7%24.5%30.5% 12.7%
Beta vs S&P 500, 1Y 0.23-0.100.42 1.00
Return / volatility, 1Y -0.690.100.34 1.03
Max drawdown, 5Y -69.4%-28.6%-39.5% -25.4%
From 52-week high -31.4%-5.0%-8.6% -2.5%
52-week high $51.65$87.73$10.01 $779.14
52-week low $30.41$68.77$7.76 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleCSVSCISNFCA
P/E now vs peer median 12.4xmedian 16.9x 21.3xmedian 16.9x 6.4xmedian 10.5x
P/S now vs peer median 1.3xmedian 1.3x 2.6xmedian 1.3x 0.6xmedian 1.4x
EV/EBITDA now vs peer median 9.1xmedian 9.4x 13.4xmedian 9.4x —median 8.0x
P/FCF now vs peer median 15.0xmedian 14.5x 21.3xmedian 14.5x 26.3xmedian 8.4x
P/B now vs peer median 2.0xmedian 2.0x 7.4xmedian 2.0x 0.1xmedian 1.5x
PEG now vs peer median 1.04median 0.33 3.19median 0.33 0.69median 0.47

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsCSVSCISNFCA
Revenue $417.29M $4.37B $335.96M
Gross profit $146.58M $1.14B $188.72M
Operating income $91.33M $977.34M -$99.03M
Net income $44.61M $537.74M $37.29M
Free cash flow $37.42M $535.24M $8.19M
EPS (diluted) $2.82 $3.89 $1.39
Cash & equivalents $2.55M $260.41M $163.44M
Total debt $526.02M $5.30B $564.03M
Shares (diluted) 15.84M 138.33M 26.89M
Enterprise value $542.52M $10.33B -$1.80B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricCSVSCISNFCA
P/E 12.4x 21.3x 6.4x
P/FCF 15.0x 21.3x 26.3x
P/Operating cash flow 9.2x 11.0x 2.7x
P/S 1.3x 2.6x 0.6x
P/B 2.0x 7.4x 0.1x
P/Tangible book 2.0x 7.4x 0.1x
EV/EBITDA 9.1x 13.4x –
EV/EBIT 11.9x 16.8x 1.9x
EV/Revenue 2.6x 3.8x -0.5x
EV/FCF 29.0x 30.7x -22.4x
EV/Operating cash flow 17.7x 15.8x -2.3x
PEG (3Y EPS CAGR) 1.04 3.19 0.69

Growth

14 metrics
MetricCSVSCISNFCA
Revenue growth (1Y) 2.4% 2.9% -1.1%
Revenue CAGR (3Y) 3.7% 2.6% -1.8%
Gross profit growth (1Y) 2.6% 1.4% -1.0%
Gross profit CAGR (3Y) 7.1% 2.3% -18.6%
Operating income growth (1Y) -8.2% 2.8% 11.4%
Operating income CAGR (3Y) 6.2% 4.8% -74.1%
Net income growth (1Y) -14.9% 0.5% 27.9%
Net income CAGR (3Y) 12.6% 3.1% 12.1%
EPS growth (1Y) -15.9% 3.9% 27.5%
EPS CAGR (3Y) 12.0% 6.7% 9.2%
Operating cash flow growth (1Y) 17.8% 3.2% 57.6%
Operating cash flow CAGR (3Y) -4.4% 13.1% 32.0%
Free cash flow growth (1Y) 1.1% -11.4% 155.3%
Free cash flow CAGR (3Y) -8.3% 18.4% -26.9%

Profitability

14 metrics
MetricCSVSCISNFCA
Gross margin 35.1% 26.0% 56.2%
EBITDA margin 28.5% 28.1% –
Operating margin 21.9% 22.4% -29.5%
Pretax margin 15.0% 16.5% 14.4%
Net margin 10.7% 12.3% 11.1%
FCF margin 9.0% 12.2% 2.4%
Operating cash flow margin 14.7% 23.7% 24.0%
Return on equity 16.3% 34.4% 3.7%
Return on assets 3.3% 2.8% 2.3%
Return on invested capital 8.7% 10.7% -6.6%
Return on capital employed 7.0% 5.4% –
Asset turnover 0.3x 0.2x 0.2x
Cash conversion (OCF / net income) 1.4x 1.9x 2.2x
Stock comp / revenue 1.9% 0.4% –

Financial Health

11 metrics
MetricCSVSCISNFCA
Debt / assets 38.5% 27.6% 9.0%
Debt / equity 1.9x 3.4x 0.1x
Net debt / EBITDA 4.4x 4.1x –
Debt / FCF 14.1x 9.9x 17.6x
Liabilities / assets 79.5% 92.0% –
Equity / assets 20.5% 8.0% 100.0%
Interest coverage 3.3x 3.8x -23.5x
Current ratio 1.5x 0.5x –
Quick ratio 1.0x 0.4x –
Cash ratio 0.1x 0.3x –
Altman Z-score 1.18 0.79 –

Shareholder Returns

7 metrics
MetricCSVSCISNFCA
Dividend yield 1.3% 1.7% –
Net buyback yield -0.3% 3.3% 0.8%
Shareholder yield 1.0% 4.9% 0.8%
Payout ratio (earnings) 15.9% 35.1% –
Payout ratio (FCF) 19.0% 35.3% –
Dividend growth (1Y) 2.7% 6.0% –
Dividend CAGR (3Y) 2.2% 5.2% –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusCSVSCISNFCA
Forward P/E 10.0xFY2026 20.8xFY2026 –
EPS, next fiscal year $3.53FY2026 $4.00FY2026 –
EPS growth, next FY +10.3%FY2026 +3.9%FY2026 –
EPS growth, the year after +7.4% +9.7% –
Revenue, next fiscal year $416.12MFY2026 $4.72BFY2026 –
Revenue growth, next FY -0.3%FY2026 +9.4%FY2026 –
Revenue growth, the year after +16.1% +1.3% –

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersCSVSCISNFCA
Held by institutions 84.9% 94.2% 35.8%
Institutions holding 160 552 77
Change in shares held, QoQ +7.6% +1.6% -1.3%
Institutions buying 86 231 37
Institutions selling 43 213 22
Buyers to sellers 2.00 1.08 1.68

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

CSVSCISNFCA
CSV 1.00 0.57 0.30
SCI 0.57 1.00 0.20
SNFCA 0.30 0.20 1.00

Add a Peer

Largest companies in the same industry
CSV · Funeral Services

Related Comparisons

Frequently Asked Questions

Which is bigger, CSV, SCI and SNFCA?

Service Corp International (SCI) is the largest by market capitalisation: Carriage Services (CSV) $550.92M, Service Corp International (SCI) $11.33B, Security National Financial (SNFCA) $238.01M.

Which stock is cheaper, CSV, SCI and SNFCA?

Security National Financial (SNFCA) trades on the lowest price-to-earnings ratio (Carriage Services (CSV) 12.4x, Service Corp International (SCI) 21.1x, Security National Financial (SNFCA) 6.4x). On next year's consensus earnings, Carriage Services (CSV) is cheapest (Carriage Services (CSV) 10.0x, Service Corp International (SCI) 20.8x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Service Corp International (SCI) grew revenue fastest over the trailing twelve months: Carriage Services (CSV) +2.4%, Service Corp International (SCI) +2.9%, Security National Financial (SNFCA) -1.1%.

Which company is more profitable?

Service Corp International (SCI) has the highest net margin (Carriage Services (CSV) 10.7%, Service Corp International (SCI) 12.3%, Security National Financial (SNFCA) 11.1%). On return on invested capital, Service Corp International (SCI) leads (Carriage Services (CSV) 8.7%, Service Corp International (SCI) 10.7%, Security National Financial (SNFCA) -6.6%).

Which stock has performed better?

Over the past year Security National Financial (SNFCA) returned the most: Carriage Services (CSV) -21.6%, Service Corp International (SCI) +2.5%, Security National Financial (SNFCA) +10.2%. Over five years, Security National Financial (SNFCA) compounded fastest (Carriage Services (CSV) -4.3%/yr, Service Corp International (SCI) +5.5%/yr, Security National Financial (SNFCA) +5.9%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Service Corp International (SCI) has the highest dividend yield: Carriage Services (CSV) 0.01%, Service Corp International (SCI) 0.02%, Security National Financial (SNFCA) 0.00%. Security National Financial (SNFCA) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Service Corp International (SCI) has been the steadiest (Carriage Services (CSV) 31.3%, Service Corp International (SCI) 24.7%, Security National Financial (SNFCA) 30.0%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, CSV, SCI and SNFCA?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Service Corp International (SCI) leads on 7. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.