Security National Financial Cor (SNFCA) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Security National Financial Cor

NasdaqGM•Financial Services•Insurance - Life

$8.77-0.26(-0.03%)Pre-market

Market Cap

$226.81M

P/E

6.1x

P/S

0.7x

P/B

0.5x

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.

How this company scores

GoodMetricSide Score: 71/100

Strongest: Cash & Earnings Quality (24/25); weakest: Growth (13/25).

Profitability19/25

Growth13/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowRising earningsInterest easily coveredCash-backed earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 6.1x5y range 3.5x – 12.4x

Currently near its 20-quarter median.

P/S · 0.7x5y range 0.3x – 0.8x

Currently above its 20-quarter median.

P/B · 0.5x5y range 0.4x – 0.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $226.81M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $335.96M
Q. Revenue: $83.93M
TTM EBITDA: $48.21M
TTM Op. Income: $48.21M
Q. Op. Income: $11.66M
TTM Net Income: $37.29M
Q. Net Income: $8.98M
EPS: $0.34
Shares Out.: $26.04M

$335.96M in TTM revenue declined 1.1% YoY, reaching $83.93M last quarter. TTM EBITDA of $48.21M and TTM operating income of $48.21M show growth is flowing through to the bottom line. TTM net income of $37.29M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 2 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 13.9%
Op. Margin: 13.9%
Net Margin: 10.7%

Op. margin of 13.9% is up 4.6% YoY — cost efficiency is improving. Net margin at 10.7% Over the past year, operating margin is up 49% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 6.1x
P/S Ratio: 0.7x
P/B Ratio: 0.5x

At 6.1x P/E, the stock trades below typical market levels. P/S of 0.7x and P/B of 0.5x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.61B
Cash: $163.44M
Long-Term Debt: N/A
Book Value: $433.04M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $3.99M
TTM Free Cash Flow: $79.27M
FCF Margin: 23.6%
FCF / Net Income: 2.1

TTM FCF of $79.27M on $3.99M in operating cash flow. The FCF / Net Income ratio of 2.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.