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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
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%) (below 0%: weak)
This Y EPS Growth (42.70%) (below 0%: weak)
Next Y EPS Growth —
Next Y revenue growth (17.14%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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 3.4× 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.

Security National Financial Corporation (SNFCA) Latest News

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stockrow.com/SNFCA · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com