COMP <GO>

XYF vs SNFCA // EV/EBITDA & P/E VALUATION

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

■ METRIC PARITY

XYF — X Financial each representing six (Class A) ROARABLE C+ • RQD 67/100

LAST: $4.89 (+0.83%) • MKT CAP: $267.9M

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

valuation

—

SNFCA — Security National Financial Corporation (Class A) ROARABLE C- • RQD 59/100

LAST: $9.23 (+0.44%) • MKT CAP: $252.7M

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

valuation

—

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

INSTITUTIONAL METRIC	XYF	SNFCA	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	18.80%	85.00%	-66.20	SNFCA	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	—	17.35%	—	TIE	/fcf-yield <GO>
Operating Margin	21.30%	—	—	TIE	/operating-margins <GO>
Net Profit Margin	19.20%	68.00%	-48.80	SNFCA	/net-margins <GO>
Revenue Growth (YoY)	35.80%	3.00%	+32.80	XYF	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	8.26%	0.00%	+8.26	XYF	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	4/9	+1.00	XYF	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	41.0	54.8	-13.75	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	$267.9M	$252.7M	$15.2M	XYF	/market-cap <GO>

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

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

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

XYF // BETA —

SNFCA // BETA —