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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 '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18 Dec '17 Dec '16
P/E ratio
7.35 9.61 13.76 5.98 4.68 2.83 10.08 4.15 6.06 7.78
Piotroski F-Score
6 8 5 5 5 5 2 5 6 5
P/S ratio
0.65 0.84 0.63 0.40 0.39 0.33 0.38 0.32 0.30 0.35
P/FCF ratio
5.07 5.08 3.78 1.20 1.33 0.00 0.00 11.70 1.89 3.29
P/Operating CF
12.38 12.51 5.63 7.30 11.77 4.50 (8.53) 5.25 2.14 5.89
P/B ratio
0.54 0.73 0.64 0.53 0.62 0.60 0.55 0.53 0.55 0.80
Price to Tangible BV
0.55 0.74 0.65 0.54 0.63 0.60 0.56 0.54 0.56 0.81
EV/Sales
0.35 0.42 0.23 0.09 0.11 0.11 (0.07) (0.18) 0.13 0.22
EV/EBITDA
2.62 3.36 3.44 0.79 0.92 0.64 0.00 0.00 2.69 2.68
EV/Operating CF
2.65 2.44 1.35 0.26 0.37 (0.39) 0.25 (7.36) 0.82 1.87
EV/FCF
2.74 2.54 1.38 0.26 0.39 (0.39) 0.25 (6.67) 0.84 2.08
Quick Ratio
0.14 0.19 0.17 0.18 0.19 0.15 0.18 0.26 0.11 0.10
Current Ratio
0.14 0.19 0.17 0.18 0.19 0.15 0.18 0.26 0.11 0.10
Net Debt/EBITDA
(1.97) (2.90) (4.49) (2.05) (1.68) (1.11) (3.91) (3.33) (1.93) (1.17)
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
0.23 0.23 0.22 0.26 0.30 0.33 0.24 0.28 0.29 0.34
Operating CF/Net income
1.42 1.97 3.72 5.08 3.66 (2.33) (6.94) 0.32 3.14 2.92
Capex/Depreciation
(0.27) (0.31) (0.16) (0.09) (0.27) (0.09) (0.16) 0.08 (0.09) (0.41)
Interest Coverage
10.16 9.79 4.35 5.39 8.27 9.33 2.89 4.76 2.25 4.85
ROE
8.12% 8.38% 4.79% 8.67% 14.02% 24.14% 5.91% 13.54% 10.04% 9.74%
ROA
2.10% 1.99% 1.00% 1.71% 2.55% 3.86% 0.91% 2.13% 1.46% 1.36%
ROIC
8.40% 9.68% 5.48% 12.50% 19.22% 28.31% 12.64% 55.26% 4.56% 13.16%
Return on Tangible Assets
(4.04%) (4.10%) (1.95%) (3.61%) (5.72%) (7.81%) (1.63%) (4.73%) (2.64%) (2.33%)
Average Days of Receivables
31.00 32.38 34.60 40.85 25.72 20.07 32.22 25.79 31.42 25.77
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
29.70% 29.66% 32.93% 31.76% 26.24% 21.74% 29.55% 29.90% 30.54% 56.95%
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
0.38% 0.24% 0.19% 0.24% 0.03% 0.07% 0.09% 0.08% 0.14% 0.11%
Graham Net Nets
(4.58) (3.36) (4.81) (6.50) (5.85) (7.32) (9.06) (7.92) (9.34) (7.20)
Graham Number
20.38 19.47 12.50 16.06 20.11 22.75 8.78 11.77 8.77 8.52
Earnings Yield
13.61% 10.40% 7.27% 16.73% 21.37% 35.31% 9.92% 24.08% 16.49% 12.85%
Free Cash Flow Yield
19.72% 19.68% 26.43% 83.52% 75.23% (83.30%) (71.19%) 8.55% 53.05% 30.36%
Revenue per Share
13.27 13.01 12.46 15.17 18.31 19.06 11.38 11.33 11.43 12.90
Operating CF per Share
1.75 2.23 2.11 5.08 5.63 (5.13) (3.04) 0.28 1.83 1.51
Capex per Share
(0.06) (0.08) (0.04) (0.06) (0.20) (0.06) (0.07) 0.03 (0.04) (0.15)
Free Cash Flow per Share
1.69 2.15 2.06 5.02 5.42 (5.19) (3.11) 0.31 1.79 1.36
Cash per Share
3.94 5.47 4.97 4.71 5.11 4.21 5.14 5.76 1.87 1.65
Shareholders Equity per Share
15.81 14.85 12.24 11.40 11.66 10.45 7.91 6.96 6.13 5.62
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
15.81 14.85 12.24 11.40 11.66 10.45 7.91 6.96 6.13 5.62
Free Cash Flow
43.92 55.22 52.77 128.92 139.42 (131.06) (77.39) 7.74 43.43 32.02
Working Capital
(814.76) (729.62) (764.39) (732.94) (711.98) (724.36) (681.54) (465.25) (543.43) (532.27)
Capital Expenditures
(1.62) (2.10) (1.11) (1.53) (5.22) (1.44) (1.78) 0.73 (0.89) (3.52)
Net Current Asset Value
(1,019.95) (942.34) (960.52) (1,003.80) (1,083.30) (1,152.27) (985.00) (717.04) (764.45) (759.38)
EV/EBIT
2.62 3.36 3.44 0.79 0.92 0.64 0.00 0.00 2.69 2.68
Capex to Sales
0.00 0.01 0.00 0.00 0.01 0.00 0.01 0.00 0.00 0.01
Price to Operating Income
5.38 7.51 12.25 4.49 3.58 2.20 7.80 3.46 10.87 5.35
Other line items
Depreciation/Fixed assets
0.33 0.36 0.37 0.81 0.89 1.29 0.78 1.37 1.23 0.98
Cash ROIC
8.57% 10.57% 12.00% 31.16% 32.34% (35.40%) (23.85%) 2.47% 22.40% 18.66%
Accounts Receivable Turnover
11.69 11.18 8.63 10.15 15.79 18.71 12.65 12.83 12.22 14.86
Accounts Payable Turnover
0.11 0.11 0.11 0.10 0.11 0.10 0.09 0.10 0.10 0.10
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
3,425.94 3,264.40 3,363.15 3,525.13 3,422.31 3,620.23 4,446.71 3,604.21 3,744.15 3,954.59
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
29.47 29.93 36.90 38.39 29.82 25.73 22.37 21.80 22.66 20.48
Average Payables
923.06 910.68 909.49 886.98 866.78 845.67 730.74 619.89 602.67 558.39
Average Assets
1,528.15 1,462.51 1,445.83 1,504.35 1,548.27 1,441.69 1,192.63 1,016.49 967.30 896.45
Average Common Equity
396.13 347.40 302.84 296.28 281.88 230.35 184.26 160.19 140.56 125.14

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Columns are period end dates