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Monday 2 November 2026
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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%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
6.87 | 5.63 | 3.86 | 9.37 | 2.83 | 4.68 | 5.98 | 13.76 | 9.61 | 6.92 |
Piotroski F-Score |
5 | 6 | 5 | 2 | 5 | 5 | 5 | 5 | 8 | 6 |
P/S ratio |
0.31 | 0.27 | 0.30 | 0.36 | 0.33 | 0.39 | 0.40 | 0.63 | 0.84 | 0.65 |
P/FCF ratio |
2.91 | 1.75 | 10.87 | 0.00 | 0.00 | 1.33 | 1.20 | 3.78 | 5.08 | 5.07 |
P/Operating CF |
5.21 | 1.99 | 4.88 | (7.93) | 4.50 | 11.77 | 7.30 | 5.63 | 12.51 | 12.38 |
P/B ratio |
0.70 | 0.51 | 0.49 | 0.51 | 0.60 | 0.62 | 0.53 | 0.64 | 0.73 | 0.54 |
Price to Tangible BV |
0.72 | 0.52 | 0.50 | 0.52 | 0.60 | 0.63 | 0.54 | 0.65 | 0.74 | 0.55 |
EV/Sales |
0.22 | 0.13 | (0.18) | (0.07) | 0.11 | 0.11 | 0.09 | 0.23 | 0.42 | 0.35 |
EV/EBITDA |
2.68 | 2.69 | 0.00 | 0.00 | 0.64 | 0.92 | 0.79 | 3.44 | 3.36 | 2.62 |
EV/Operating CF |
1.87 | 0.82 | (7.36) | 0.25 | (0.39) | 0.37 | 0.26 | 1.35 | 2.44 | 2.65 |
EV/FCF |
2.08 | 0.84 | (6.67) | 0.25 | (0.39) | 0.39 | 0.26 | 1.38 | 2.54 | 2.74 |
Quick Ratio |
0.10 | 0.11 | 0.26 | 0.18 | 0.15 | 0.19 | 0.18 | 0.17 | 0.19 | 0.14 |
Current Ratio |
0.10 | 0.11 | 0.26 | 0.18 | 0.15 | 0.19 | 0.18 | 0.17 | 0.19 | 0.14 |
Net Debt/EBITDA |
(1.17) | (1.93) | (3.33) | (3.91) | (1.11) | (1.68) | (2.05) | (4.49) | (2.90) | (1.97) |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.34 | 0.29 | 0.28 | 0.24 | 0.33 | 0.30 | 0.26 | 0.22 | 0.23 | 0.23 |
Operating CF/Net income |
2.92 | 3.14 | 0.32 | (6.94) | (2.33) | 3.66 | 5.08 | 3.72 | 1.97 | 1.42 |
Capex/Depreciation |
(0.41) | (0.09) | 0.08 | (0.16) | (0.09) | (0.27) | (0.09) | (0.16) | (0.31) | (0.27) |
Interest Coverage |
4.85 | 2.25 | 4.76 | 2.89 | 9.33 | 8.27 | 5.39 | 4.35 | 9.79 | 10.16 |
| 9.74% | 10.04% | 13.54% | 5.91% | 24.14% | 14.02% | 8.67% | 4.79% | 8.38% | 8.12% | |
| 1.36% | 1.46% | 2.13% | 0.91% | 3.86% | 2.55% | 1.71% | 1.00% | 1.99% | 2.10% | |
ROIC |
13.16% | 4.56% | 55.26% | 12.64% | 28.31% | 19.22% | 12.50% | 5.48% | 9.68% | 8.40% |
Return on Tangible Assets |
(2.33%) | (2.64%) | (4.73%) | (1.63%) | (7.81%) | (5.72%) | (3.61%) | (1.95%) | (4.10%) | (4.04%) |
Average Days of Receivables |
25.77 | 31.42 | 25.79 | 32.22 | 20.07 | 25.72 | 40.85 | 34.60 | 32.38 | 31.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
56.95% | 30.54% | 29.90% | 29.55% | 21.74% | 26.24% | 31.76% | 32.93% | 29.66% | 29.70% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.11% | 0.14% | 0.08% | 0.09% | 0.07% | 0.03% | 0.24% | 0.19% | 0.24% | 0.38% |
Graham Net Nets |
(8.15) | (10.05) | (8.52) | (9.75) | (7.32) | (5.85) | (6.50) | (4.81) | (3.36) | (4.58) |
Graham Number |
8.52 | 8.77 | 11.77 | 8.78 | 22.75 | 20.11 | 16.06 | 12.50 | 19.47 | 21.00 |
Earnings Yield |
14.55% | 17.75% | 25.92% | 10.67% | 35.31% | 21.37% | 16.73% | 7.27% | 10.40% | 14.45% |
Free Cash Flow Yield |
34.36% | 57.11% | 9.20% | (76.63%) | (83.30%) | 75.23% | 83.52% | 26.43% | 19.68% | 19.72% |
Revenue per Share |
12.90 | 11.43 | 11.33 | 11.38 | 19.06 | 18.31 | 15.17 | 12.46 | 13.01 | 13.27 |
Operating CF per Share |
1.51 | 1.83 | 0.28 | (3.04) | (5.13) | 5.63 | 5.08 | 2.11 | 2.23 | 1.75 |
Capex per Share |
(0.15) | (0.04) | 0.03 | (0.07) | (0.06) | (0.20) | (0.06) | (0.04) | (0.08) | (0.06) |
Free Cash Flow per Share |
1.36 | 1.79 | 0.31 | (3.11) | (5.19) | 5.42 | 5.02 | 2.06 | 2.15 | 1.69 |
Cash per Share |
1.65 | 1.87 | 5.76 | 5.14 | 4.21 | 5.11 | 4.71 | 4.97 | 5.47 | 3.94 |
Shareholders Equity per Share |
5.62 | 6.13 | 6.96 | 7.91 | 10.45 | 11.66 | 11.40 | 12.24 | 14.85 | 15.81 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
5.62 | 6.13 | 6.96 | 7.91 | 10.45 | 11.66 | 11.40 | 12.24 | 14.85 | 15.81 |
Free Cash Flow |
32.02 | 43.43 | 7.74 | (77.39) | (131.06) | 139.42 | 128.92 | 52.77 | 55.22 | 43.92 |
Working Capital |
(532.27) | (543.43) | (465.25) | (681.54) | (724.36) | (711.98) | (732.94) | (764.39) | (729.62) | (814.76) |
Capital Expenditures |
(3.52) | (0.89) | 0.73 | (1.78) | (1.44) | (5.22) | (1.53) | (1.11) | (2.10) | (1.62) |
Net Current Asset Value |
(759.38) | (764.45) | (717.04) | (985.00) | (1,152.27) | (1,083.30) | (1,003.80) | (960.52) | (942.34) | (1,019.95) |
EV/EBIT |
2.68 | 2.69 | 0.00 | 0.00 | 0.64 | 0.92 | 0.79 | 3.44 | 3.36 | 2.62 |
Capex to Sales |
0.01 | 0.00 | 0.00 | 0.01 | 0.00 | 0.01 | 0.00 | 0.00 | 0.01 | 0.00 |
Price to Operating Income |
4.73 | 10.10 | 3.21 | 7.24 | 2.20 | 3.58 | 4.49 | 12.25 | 7.51 | 5.38 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.98 | 1.23 | 1.37 | 0.78 | 1.29 | 0.89 | 0.81 | 0.37 | 0.36 | 0.33 |
Cash ROIC |
18.66% | 22.40% | 2.47% | (23.85%) | (35.40%) | 32.34% | 31.16% | 12.00% | 10.57% | 8.57% |
Accounts Receivable Turnover |
14.86 | 12.22 | 12.83 | 12.65 | 18.71 | 15.79 | 10.15 | 8.63 | 11.18 | 11.69 |
Accounts Payable Turnover |
0.10 | 0.10 | 0.10 | 0.09 | 0.10 | 0.11 | 0.10 | 0.11 | 0.11 | 0.11 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
3,954.59 | 3,744.15 | 3,604.21 | 4,446.71 | 3,620.23 | 3,422.31 | 3,525.13 | 3,363.15 | 3,264.40 | 3,425.94 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
20.48 | 22.66 | 21.80 | 22.37 | 25.73 | 29.82 | 38.39 | 36.90 | 29.93 | 29.47 |
Average Payables |
558.39 | 602.67 | 619.89 | 730.74 | 845.67 | 866.78 | 886.98 | 909.49 | 910.68 | 923.06 |
Average Assets |
896.45 | 967.30 | 1,016.49 | 1,192.63 | 1,441.69 | 1,548.27 | 1,504.35 | 1,445.83 | 1,462.51 | 1,528.15 |
Average Common Equity |
125.14 | 140.56 | 160.19 | 184.26 | 230.35 | 281.88 | 296.28 | 302.84 | 347.40 | 396.13 |
Columns are period end dates · fundamentals updated 26 Oct 2026