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Security National Financial Corporation

SNFCA Financial Insurance Life

Security National Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $344.6 million, up 3.01% from fiscal 2024.

Revenue
−6.27%
EPS
+6.25%
Free cash flow
+145.7%

Quarter to June 2026, against a year earlier

9.29 0.14 +1.53%
Market cap
$249.4M
P/E
7.3×
Fwd P/E
6.2×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.09
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — 1 — — — — — — —
Insider Ownership 31.03%

Capital & Financial Ratios $m

Size
Market Cap 249.43
Revenue ttm 335.96
Net income ttm 32.15
Free cash flow ttm 79.36
Net debt Q (163.44)
Valuation
P/E 7.26
Forward P/E 6.24
Price / sales 0.72
Forward P/S Powerpack
Price / FCF 3.05
Price / book 0.56
Financial health
Current ratio Q 0.21
Debt / equity Q 0.00
Interest coverage Q 11.56
Growth
Revenue growth Q −6.27% (below 0%: shrinking)
Operating income growth Q +8.57% (above 0%: growing)
EPS, this year −42.70% (below 0%: weak)
EPS, next year A —
Revenue, next year A −17.14% (below 0%: weak)
EPS, past 5 yrs −11.00% (below 0%: weak)
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 59.36%
10-year low 10-year high
P/S against its own 10 years 95.01%
10-year low 10-year high
P/B against its own 10 years 41.19%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 127 141 102 163
Receivables 30 30 29 30
Inventory — — — —
Other — — — —
157 170 132 193
2023 2024 2025 Q'26
Payables 922 900 946 943
ST’ Debt — — — —
Other — — — —
922 900 946 943

Compound Annual Growth %

10y 5y 3y
Sales 2.08% (6.47%) (4.01%)
Cash Flow 0.00% 0.00% (29.59%)
Earnings 9.19% (10.37%) 7.77%
Book Value 13.30% 9.22% 11.91%

EPS $

Mar Jun Sep Dec Year
’26 0.26 0.33 — — —
’25 0.24 0.31 0.30 0.36 1.20
’24 0.29 0.27 0.45 0.10 1.10
’23 0.05 0.24 0.16 0.11 0.55
’22 0.12 0.13 (0.09) 0.80 0.96
’21 0.05 0.42 0.42 0.61 1.48
’20 0.06 0.80 1.13 0.15 2.15
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 80 84 — — —
’25 83 90 89 83 345
’24 81 86 88 79 335
’23 80 84 80 75 318
’22 102 96 83 108 390
’21 80 117 120 155 471
’20 80 119 146 137 481
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 33 4 — — —
’25 10 (8) 26 18 46
’24 25 (17) 27 22 57
’23 (16) 18 16 35 54
’22 73 25 12 21 130
’21 (16) 141 4 16 145
’20 (64) (46) (55) 35 (130)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 33 4 — — —
’25 9 (8) 25 18 44
’24 25 (17) 27 21 55
’23 (16) 18 16 35 53
’22 72 25 11 21 129
’21 (16) 137 4 15 139
’20 (64) (46) (55) 35 (131)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 304 277 280 283 481 471 390 318 335 345 336 +1.4% — — — —
Gross margin, % 82.02 78.44 77.28 75.81 82.05 80.14 76.15 68.60 69.92 70.74 70.62 (11.3) pt
EBT 20 8 26 14 71 52 34 16 37 41 43 +8.6%
EBT margin, % 6.47 2.72 9.36 4.93 14.84 11.01 8.82 5.12 11.17 12.02 12.84 +5.6 pt
Net income 12 14 22 11 56 40 26 14 29 32 32 +11.4%
Per share, $
Per share, $ Revenue 12.90 11.43 11.33 11.38 19.06 18.31 15.17 12.46 13.01 13.27 12.90 +0.3%
Earnings 0.52 0.58 0.88 0.44 2.20 1.54 1.00 0.57 1.13 1.24 1.28 +10.2%
Cash flow 1.51 1.83 0.28 (3.04) (5.13) 5.63 5.08 2.11 2.23 1.75 3.09 +1.7%
Capex (0.15) (0.04) 0.03 (0.07) (0.06) (0.20) (0.06) (0.04) (0.08) (0.06) (0.05) (9.3%)
Free cash flow 1.36 1.79 0.31 (3.11) (5.19) 5.42 5.02 2.06 2.15 1.69 3.05 +2.5%
Book value 5.62 6.13 6.96 7.91 10.45 11.66 11.40 12.24 14.85 15.81 16.63 +12.2%
Shares, m 24 24 25 25 25 26 26 26 26 26 26 +1.1%
Valuation, ×
Valuation, × P/E 6.87 5.63 3.86 9.37 2.83 4.68 5.98 13.76 9.61 6.92 7.26 7.0
P/S 0.31 0.27 0.30 0.36 0.33 0.39 0.40 0.63 0.84 0.65 0.72 0.4
P/B 0.70 0.51 0.49 0.51 0.60 0.62 0.53 0.64 0.73 0.54 0.56 0.6
EV/Sales 0.22 0.13 (0.18) (0.07) 0.11 0.11 0.09 0.23 0.42 0.35 — 0.1
EV/FCF 2.08 0.84 (6.67) 0.25 (0.39) 0.39 0.26 1.38 2.54 2.74 — 0.3
Cash, $m
Cash, $m Operating cash flow 36 44 7 (76) (130) 145 130 54 57 46 81 +2.8%
Capex (4) (1) 1 (2) (1) (5) (2) (1) (2) (2) (1) (8.3%)
Free cash flow 32 43 8 (77) (131) 139 129 53 55 44 79 +3.6%
Balance, $m
Balance, $m Working capital (532) (543) (465) (682) (724) (712) (733) (764) (730) (815) (749) +4.8%
Net debt (39) (45) (142) (128) (106) (131) (121) (127) (141) (102) (163) +11.3%
Shareholders’ equity 133 149 172 197 264 300 293 313 382 410 433 +13.4%
Returns, %
Returns, % ROA 1.36 1.46 2.13 0.91 3.86 2.55 1.71 1.00 1.99 2.10 2.12 +0.7 pt
ROIC 13.16 4.56 55.26 12.64 28.31 19.22 12.50 5.48 9.68 8.40 10.00 (4.8) pt
ROE 9.74 10.04 13.54 5.91 24.14 14.02 8.67 4.79 8.38 8.12 8.47 (1.6) pt
People
People Employees 1,657 1,453 1,433 1,293 1,708 1,733 1,624 1,473 1,421 1,243 — (3.1%)
Revenue/emp, $m 0.18 0.19 0.20 0.22 0.28 0.27 0.24 0.22 0.24 0.28 — +4.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Security National Financial Corporation vs peers in Insurance Life (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
LNC Lincoln National Corporation $7.9B 3.5× 4.5× +12.31% (above 0%: growing) +76.55% (above 0%: growing) −155.08% (below 0%: shrinking) 37.98% 37.98% Compare
CNO CNO Financial Group, Inc. $5.3B 19.4× 14.0× +11.61% (above 0%: growing) +45.16% (above 0%: growing) +7.63% (above 0%: growing) 44.06% 16.73% Compare
GNW Genworth Financial, Inc. $3.3B 16.6× 26.2× +5.85% (above 0%: growing) 0.00% +766.67% (above 0%: growing) 30.09% 7.10% Compare
FG F&G Annuities & Life, Inc. $2.8B 7.0× 7.9× +4.18% (above 0%: growing) n/m −8.11% (below 0%: shrinking) 16.89% (3.73%) Compare
BHF Brighthouse Financial, Inc. $2.5B 3.5× 3.4× +86.22% (above 0%: growing) +1,520.59% (above 0%: growing) −43,000.00% (below 0%: shrinking) 115.29% 75.59% Compare
ABX Abacus Global Management, Inc. $828.3M 30.3× — +29.87% (above 0%: growing) −61.11% (below 0%: shrinking) −49.65% (below 0%: shrinking) 87.59% 29.41% Compare
SNFCA Security National Financial Corporation $249.4M 7.2× 6.2× −6.27% (below 0%: shrinking) +6.25% (above 0%: growing) +145.67% (above 0%: growing) 71.03% 15.21%
CIA Citizens, Inc. $183.3M 16.5× 20.1× −7.19% (below 0%: shrinking) n/m −38.92% (below 0%: shrinking) 14.91% (0.88%) Compare
AAME Atlantic American Corporation $21.8M 2.9× — +20.76% (above 0%: growing) +120.00% (above 0%: growing) +11,298.28% (above 0%: growing) 9.92% 2.88% Compare
Median of peers $2.7B 11.7× 10.9× +11.96% +60.85% −23.51% 34.04% 11.92%

All 17 Insurance Life stocks →

Pay and ownership Proxy statement filed 28 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.22m 2.22m 79.00
2024 1.35m 1.41m 140.00
2023 1.18m 1.26m 123.00
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Security National Financial Corporation (SNFCA) Latest News

24 Aug

Impact 3 · transcript

10 Aug

Impact 3 ·

19 May

Impact 4 · · GlobeNewswire
Impact 3 · · GuruFocus.com

11 May

Impact 3 · · GlobeNewswire

16 Mar

Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press Finance

15 Dec

Impact 3 · · GlobeNewswire

4 Dec

Impact 3 · · Simply Wall St.

19 Nov

Impact 4 · · GuruFocus.com transcript

13 Nov

Impact 3 · · GlobeNewswire
Impact 3 · · Associated Press Finance

7 Nov

Impact 4 · · GlobeNewswire

26 Sep

Impact 3 · · Simply Wall St.

14 Aug

Impact 4 · · GlobeNewswire
Impact 3 ·
Impact 3 · · Associated Press Finance

4 Aug

Impact 4 ·

30 Jun

Impact 3 · · GlobeNewswire

27 Jun

Impact 4 ·
Impact 3 · · Simply Wall St.

17 May

Impact 3 · · Simply Wall St.

16 May

Impact 3 ·

1 Apr

Impact 3 · · Simply Wall St.

31 Mar

Impact 4 · · GlobeNewswire

15 Mar

Impact 4 ·

28 Dec

Impact 3 · · Simply Wall St.

17 Nov

Impact 4 ·

6 Oct

Impact 3 · · Simply Wall St.

17 Aug

Impact 3 · · Simply Wall St.
stockrow.com/SNFCA · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com