Security National Financial Corporation SNFCA R2K

Financial Services · Insurance - Life · United States

https://www.securitynational.com

Security National Financial Corporation engages in the life insurance, cemetery and mortuary, and mortgage businesses. The company's Life Insurance segment is involved in selling and servicing lines of life insurance, annuity products, and accident and health insurance. It offers various life insurance products, including funeral plans and interest-sensitive life insurance, as well as other traditional life, accident, and health insurance products; and annuity products comprising single and flexible premium deferred annuities, and immediate annuities. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its cemetery and mortuary segment consists of eleven mortuaries and five cemeteries in the state of Utah, one cemetery in the state of California, and one cemetery and four mortuaries in the state of New Mexico. This segment also offers plots, interment vaults, mausoleum crypts, markers, caskets, urns, and other death care related products; and provides professional services of funeral directors, opening and closing of graves, use of chapels and viewing rooms, and use of automobiles and clothing, as well as engages in pre-need selling of funeral, cemetery, mortuary, and cremation services. The company's Mortgages segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Arizona, Nevada, Texas, and Utah. It offers residential mortgage lending services to real estate brokers and builders, as well as directly to consumers. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.

Market & Price

Market Cap

$252.57M

Current Price

$9.70

High / Low (52W)

$9.91 / $7.76

Beta

0.72

Valuation

Stock P/E

7.58

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$17.17

Price to Book

0.56

P/S

0.74

EV/EBITDA

3.49

Dividend Yield

Profitability & Returns

ROCE

ROE

8.48%

ROA

1.88%

Profit Margin

9.59%

Op Margin

12.60%

EPS (Latest Qtr)

$0.27

EPS (TTM)

$1.28

Balance Sheet & Liquidity

Debt/Equity

0.26

Quick Ratio

0.94

Current Ratio

1.98

Debt

$108.85M

Total Assets

$1.56B

Current Assets

Working Capital

Ownership

Promoter Holding

25.46%

Chg in Prom Hold

FII / Inst Holding

42.71%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$194.80M

Total Revenue (TTM)

$341.58M

EBITDA

$55.76M

Free Cash Flow

$207.07M

Operating Cash Flow

$68.89M

Shares Outstanding

22.45M

Gross Margin

50.62%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

-4.03%

Profit 5Y

7.77%

Revenue (YoY)

-3.60%

Earnings (YoY)

8.00%

PROS

Generates positive free cash flow.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -4.0% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SNFCA Security National Financial Corporation R2K	9.70	7.58	$252.57M	-	-	8.48%	-4.03%	7.77%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	59.41M	61.73M	64.05M	76.04M	75.49M	69.46M	80.09M	82.95M	70.83M	73.17M	71.97M	60.95M	82.08M	68.87M	67.22M	61.45M	61.49M	68.45M	75.38M	77.74M	79.61M	118.66M	146.20M	122.66M	116.75M	119.51M	102.43M	95.57M	83.48M	79.50M	83.85M	80.24M	81.19M	85.79M	-	82.92M	89.76M	89.54M	83.17M	79.90M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.37M	9.63M	11.22M	18.39M	10.05M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.12M	1.29M	1.07M	1.04M	996.20K
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.25M	8.34M	10.15M	17.35M	9.05M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.84M	1.83M	2.34M	3.86M	2.05M
Net Income	2.62M	2.14M	1.86M	3.85M	4.89M	2.54M	5.02M	4.18M	1.86M	2.49M	1.10M	-	16.93M	3.24M	2.01M	-	1.93M	3.48M	3.62M	-	1.42M	20.56M	29.30M	12.13M	11.26M	10.79M	3.23M	3.57M	-2.35M	1.24M	6.35M	4.04M	7.47M	7.27M	-	6.41M	6.51M	7.82M	13.49M	7.00M
Diluted EPS	0.20	0.17	0.13	0.27	0.34	0.17	0.33	0.27	0.11	0.15	0.06	0.51	0.94	0.18	0.11	-0.03	0.11	0.19	0.19	0.10	0.08	1.02	1.44	0.58	0.51	0.49	0.15	0.15	0.10	0.05	0.27	0.17	0.31	0.29	0.47	0.25	0.25	0.31	-	0.27

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	216.89M	168.51M	159.57M	234.26M	215.32M	225.05M	280.35M	304.33M	276.93M	279.62M	283.06M	481.46M	-	390.73M	318.52M	335.45M	345.39M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	42.21M	21.17M	41.63M	45.93M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	7.83M	4.87M	4.25M	4.52M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	34.38M	16.30M	37.37M	41.41M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	8.69M	1.81M	8.25M	9.26M
Net Income	3.77M	-430.62K	1.30M	16.71M	7.59M	8.22M	13.35M	12.19M	14.11M	21.69M	10.89M	55.60M	-	25.69M	14.50M	29.12M	32.15M
Diluted EPS	0.41	-0.04	0.12	1.39	0.55	0.57	0.89	0.77	0.82	1.19	0.58	2.74	-	1.02	0.58	1.16	1.26

Compounded Sales Growth

5 Years:	-4.03%
1 Year:	-3.60%

Compounded Profit Growth

5 Years:	7.77%
1 Year:	8.00%

Stock Price Performance

1 Year:	+3.30%
6 Months:	+12.92%
3 Months:	+7.06%
1 Month:	+0.94%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	465.63M	523.05M	597.22M	618.76M	671.07M	840.47M	952.42M	982.17M	1.05B	1.33B	1.55B	-	1.46B	1.43B	1.49B	1.56B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	19.91M	39.46M	37.24M	15.58M	33.49M	38.20M	30.86M	40.05M	38.99M	45.32M	142.20M	127.75M	106.22M	-	120.92M	126.94M	140.55M	102.26M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22.64M	24.43M	26.24M	26.11M
Total Liabilities	-	-	405.71M	461.82M	517.40M	531.01M	573.98M	722.76M	819.86M	833.61M	879.00M	1.14B	1.28B	-	1.17B	1.12B	1.11B	1.15B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	253.77M	-	98.80M	97.81M	96.01M	94.12M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	161.71M	105.56M	106.74M	98.39M
Total Equity	53.91M	59.81M	59.93M	61.23M	79.81M	87.75M	103.69M	117.72M	132.56M	148.57M	171.81M	196.71M	263.99M	-	292.79M	312.90M	381.90M	410.37M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	24.93M	26.27M	26.88M	27.11M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	17.17M	-14.25M	6.87M	22.42M	36.65M	-12.46M	-28.11M	35.54M	44.32M	-	-75.60M	-129.63M	-	130.45M	53.88M	57.32M	45.54M
Investing Cash Flow	3.88M	22.18M	-40.64M	13.54M	-33.13M	-44.73M	15.37M	-55.59M	-38.97M	63.31M	38.10M	36.14M	-	-37.16M	14.61M	-43.13M	-67.21M
Financing Cash Flow	-1.50M	-7.83M	12.11M	-18.04M	1.19M	49.84M	21.94M	18.99M	2.21M	26.12M	24.30M	71.21M	-	-101.22M	-62.04M	-4.01M	-14.32M
Capital Expenditure	-736.21K	-859.99K	-765.63K	-3.02M	-3.57M	-1.52M	-3.63M	-3.57M	911.01K	-1.28M	-1.84M	-1.63M	-	-1.60M	-1.11M	-2.47M	-1.69M
Free Cash Flow	16.44M	-15.11M	6.10M	19.39M	33.08M	-13.98M	-31.75M	31.97M	45.23M	-	-77.44M	-131.26M	-	128.85M	52.77M	54.85M	43.85M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-7.93M	6.44M	10.18M	-35.99M
Share Buybacks	-	-	-	-	-	-	-	-	-	-	-	2.97M	5.77M	7.66M	2.85M	3.05M	1.61M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	10.8%	6.6%	12.4%	13.3%
Net Margin %	1.7%	-0.3%	0.8%	7.1%	3.5%	3.7%	4.8%	4.0%	5.1%	7.8%	3.8%	11.5%	-	6.6%	4.6%	8.7%	9.3%
ROE %	6.3%	-0.7%	2.1%	20.9%	8.6%	7.9%	11.3%	9.2%	9.5%	12.6%	5.5%	21.1%	-	8.8%	4.6%	7.6%	7.8%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

25.46%

Institutions

42.71%

Public Float

57.30%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	M3F, Inc.	9.79%	2.20M	$21.33M
2	Blackrock Inc.	4.17%	936.41K	$9.08M
3	Dimensional Fund Advisors LP	3.53%	793.55K	$7.70M
4	Vanguard Capital Management LLC	3.35%	752.10K	$7.30M
5	Ameriprise Financial, Inc.	3.25%	730.50K	$7.09M
6	Lhm, Inc.	3.20%	717.51K	$6.96M
7	Geode Capital Management, LLC	1.71%	384.30K	$3.73M
8	Veradace Capital Management, LLC	1.57%	353.06K	$3.42M
9	RBF Capital, LLC	1.35%	303.53K	$2.94M
10	Bridgeway Capital Management, LLC	1.24%	278.75K	$2.70M

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SNFCA · Financial Services