Sunday 11 October 2026 Export all SNFCA data to Excel Powerpack

Security National Financial Corporation

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.

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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

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.09

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	1	—	—	—	—	—	—

Insider Ownership 31.03%

Capital & Financial Ratios $m

Market Cap 250.25

Revenue 335.96

Net Income 32.15

Free Cash Flow 79.36

Net Debt (163.44)

Current Ratio 0.21

Debt/Equity 0.00

P/E ratio 7.17

Fwd P/E 6.24

P/S ratio 0.71

P/B ratio 0.55

Past 5Y EPS Growth (11.00%)

This Y EPS Growth (42.70%)

Next Y EPS Growth —

Next Y revenue growth (17.14%)

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 53.73%

10-year low 10-year high

P/S against its own 10 years 94.05%

10-year low 10-year high

P/B against its own 10 years 30.72%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2020	Powerpack
2019	Powerpack
2018	Powerpack
2017	Powerpack

special payouts not included in total or ratios

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%

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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.26	0.33	—	—	—
’25	0.24	0.24	0.30	0.36	1.20
’24	0.29	0.27	0.44	0.10	1.01
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	2.88	3.18	2.88	3.43	2.81	5.75	4.75	4.85	5.61	6.98	Analyst estimates 2026–2028 Powerpack
	High	5.08	5.28	4.19	4.57	6.72	7.98	8.20	8.42	12.33	12.22
People
People	Employees	1,657	1,453	1,433	1,293	1,708	1,733	1,624	1,473	1,421	1,243
	Revenue/emp, $m	0.18	0.19	0.20	0.22	0.28	0.27	0.24	0.22	0.24	0.28
Income, $m
Income, $m	Revenue	304	277	280	283	481	471	390	318	335	345
	Gross margin, %	82.02	78.44	77.28	75.81	82.05	80.14	76.15	68.60	69.92	70.74
	EBT	20	8	26	14	71	52	34	16	37	41
	EBT margin, %	6.47	2.72	9.36	4.93	14.84	11.01	8.82	5.12	11.17	12.02
	Net income	12	14	22	11	56	40	26	14	29	32
	Depreciation	9	10	10	11	16	19	17	7	7	6
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
	Earnings	0.60	0.58	0.88	0.44	2.20	1.54	1.00	0.57	1.03	1.24
	Cash flow	1.51	1.83	0.28	(3.04)	(5.13)	5.63	5.08	2.11	2.23	1.75
	Capex	(0.15)	(0.04)	0.03	(0.07)	(0.06)	(0.20)	(0.06)	(0.04)	(0.08)	(0.06)
	Free cash flow	1.36	1.79	0.31	(3.11)	(5.19)	5.42	5.02	2.06	2.15	1.69
	Book value	5.62	6.13	6.96	7.91	10.45	11.66	11.40	12.24	14.85	15.81
	Shares, m	24	24	25	25	25	26	26	26	26	26
Valuation, ×
Valuation, ×	P/E	7.78	6.06	4.15	10.08	2.83	4.68	5.98	13.76	9.61	7.35
	P/S	0.35	0.30	0.32	0.38	0.33	0.39	0.40	0.63	0.84	0.65
	P/B	0.80	0.55	0.53	0.55	0.60	0.62	0.53	0.64	0.73	0.54
	EV/Sales	0.22	0.13	(0.18)	(0.07)	0.11	0.11	0.09	0.23	0.42	0.35
	EV/FCF	2.08	0.84	(6.67)	0.25	(0.39)	0.39	0.26	1.38	2.54	2.74
Cash, $m
Cash, $m	Operating cash flow	36	44	7	(76)	(130)	145	130	54	57	46
	Capex	(4)	(1)	1	(2)	(1)	(5)	(2)	(1)	(2)	(2)
	Free cash flow	32	43	8	(77)	(131)	139	129	53	55	44
Balance, $m
Balance, $m	Working capital	(532)	(543)	(465)	(682)	(724)	(712)	(733)	(764)	(730)	(815)
	Total debt	51	69	22	32	21	95	103	—	—	—
	Net debt	(39)	(45)	(142)	(128)	(106)	(131)	(121)	(127)	(141)	(102)
	Shareholders’ equity	133	149	172	197	264	300	293	313	382	410
Returns, %
Returns, %	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
	ROE	9.74	10.04	13.54	5.91	24.14	14.02	8.67	4.79	8.38	8.12

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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	3.4×	7.0×	+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.	$5.0B	17.8×	13.0×	+11.61% (above 0%: growing)	+45.16% (above 0%: growing)	+7.63% (above 0%: growing)	44.06%	16.73%	Compare
GNW Genworth Financial, Inc.	$3.7B	17.7×	26.2×	+5.85% (above 0%: growing)	0.00%	+766.67% (above 0%: growing)	30.09%	7.10%	Compare
BHF Brighthouse Financial, Inc.	$2.8B	3.9×	3.3×	+86.22% (above 0%: growing)	+1,520.59% (above 0%: growing)	−43,000.00% (below 0%: shrinking)	115.29%	75.59%	Compare
FG F&G Annuities & Life, Inc.	$2.6B	6.4×	5.8×	+4.18% (above 0%: growing)	n/m	−8.11% (below 0%: shrinking)	16.89%	(3.73%)	Compare
ABX Abacus Global Management, Inc.	$813.6M	29.3×	—	+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	$250.3M	7.2×	6.2×	−6.27% (below 0%: shrinking)	+37.32% (above 0%: growing)	+145.67% (above 0%: growing)	71.03%	15.21%
CIA Citizens, Inc.	$178.8M	15.8×	17.3×	−7.19% (below 0%: shrinking)	n/m	−38.92% (below 0%: shrinking)	14.91%	(0.88%)	Compare
AAME Atlantic American Corporation	$24.7M	5.1×	—	+20.76% (above 0%: growing)	n/m	+11,298.28% (above 0%: growing)	9.92%	2.88%	Compare
Median of peers	$2.7B	11.1×	10.0×	+11.96%	+45.16%	−23.51%	34.04%	11.92%

All 17 Insurance Life stocks →

Security National Financial Corporation (SNFCA) key facts

Strength: Security National Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $344.6 million, up 3.01% from fiscal 2024.
Security National Financial Corporation (SNFCA) is an Insurance Life company in the Financial sector, listed on Nasdaq.
As of October 9, 2026, SNFCA traded at $9.18, a market capitalization of $250.3 million.
Return on equity was 8.12% and debt-to-equity 0.00.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.