COMP <GO>

SNFCA vs XYF // ALTMAN Z-SCORE & DEBT/EQUITY

Security National Financial Corporation (Class A) (NASDAQ) VS. X Financial each representing six (Class A) (NYSE) • 15-METRIC TALLY: SNFCA 3 — XYF 4

■ METRIC PARITY

SNFCA — Security National Financial Corporation (Class A) ROARABLE C- • RQD 60/100

LAST: $9.28 (+1.42%) • MKT CAP: $250.5M

DES <GO> FA <GO> 10-K RED <GO>

balance-sheet

—

XYF — X Financial each representing six (Class A) ROARABLE D+ • RQD 53/100

LAST: $4.84 (+1.68%) • MKT CAP: $260.8M

DES <GO> FA <GO> 10-K RED <GO>

balance-sheet

—

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SNFCA VS. XYF) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	SNFCA	XYF	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	85.00%	18.80%	+66.20	SNFCA	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	17.35%	—	—	TIE	/fcf-yield <GO>
Operating Margin	—	21.30%	—	TIE	/operating-margins <GO>
Net Profit Margin	68.00%	19.20%	+48.80	SNFCA	/net-margins <GO>
Revenue Growth (YoY)	3.00%	35.80%	-32.80	XYF	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.00%	8.26%	-8.26	XYF	/dividend-safety <GO>
Altman Z-Score & Debt/Equity ACTIVE	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	4/9	5/9	-1.00	XYF	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	53.8	42.3	+11.50	SNFCA	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	—	—	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$250.5M	$260.8M	-$10.3M	XYF	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	SNFCA REV	XYF REV	SNFCA GROSS %	XYF GROSS %	SNFCA FCF	XYF FCF
FY 2025	$344.6M	$1.09B	—	—	$43.8M	$206.7M
FY 2024	$334.5M	$804.4M	—	—	$54.8M	$206.8M
FY 2023	$318.5M	$678.2M	—	—	$53.9M	$114.7M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

SNFCA // BETA —

XYF // BETA —