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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. In the quarter to June 2026, revenue fell 6.27%, EPS grew 37.3% and free cash flow grew 145.7%, each against the same quarter a year earlier.

9.18 0.00 0.00%
Market cap
$250.3M
P/E
7.2×
Fwd P/E
6.2×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio
7.78 6.06 4.15 10.08 2.83 4.68 5.98 13.76 9.61 7.35
Piotroski F-Score
5 6 5 2 5 5 5 5 8 6
P/S ratio
0.35 0.30 0.32 0.38 0.33 0.39 0.40 0.63 0.84 0.65
P/FCF ratio
3.29 1.89 11.70 0.00 0.00 1.33 1.20 3.78 5.08 5.07
P/Operating CF
5.89 2.14 5.25 (8.53) 4.50 11.77 7.30 5.63 12.51 12.38
P/B ratio
0.80 0.55 0.53 0.55 0.60 0.62 0.53 0.64 0.73 0.54
Price to Tangible BV
0.81 0.56 0.54 0.56 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
ROE
9.74% 10.04% 13.54% 5.91% 24.14% 14.02% 8.67% 4.79% 8.38% 8.12%
ROA
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
(7.20) (9.34) (7.92) (9.06) (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 20.38
Earnings Yield
12.85% 16.49% 24.08% 9.92% 35.31% 21.37% 16.73% 7.27% 10.40% 13.61%
Free Cash Flow Yield
30.36% 53.05% 8.55% (71.19%) (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
5.35 10.87 3.46 7.80 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

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Columns are period end dates