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SECURITY NATL FINL CORP-CL A (SNFCA) Stock Fundamental Analysis

NASDAQ:SNFCA - Nasdaq - US8147853092 - Common Stock - Currency: USD

9.91  -0.44 (-4.25%)

Fundamental Rating

3

SNFCA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. There are concerns on the financial health of SNFCA while its profitability can be described as average. SNFCA has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

SNFCA had positive earnings in the past year.
SNFCA had a positive operating cash flow in the past year.
SNFCA had positive earnings in each of the past 5 years.
Of the past 5 years SNFCA 4 years had a positive operating cash flow.
SNFCA Yearly Net Income VS EBIT VS OCF VS FCFSNFCA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M

1.2 Ratios

The Return On Assets of SNFCA (1.78%) is comparable to the rest of the industry.
SNFCA has a Return On Equity (7.83%) which is comparable to the rest of the industry.
SNFCA has a Return On Invested Capital (2.39%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for SNFCA is significantly below the industry average of 11.69%.
Industry RankSector Rank
ROA 1.78%
ROE 7.83%
ROIC 2.39%
ROA(3y)1.52%
ROA(5y)2.14%
ROE(3y)7.08%
ROE(5y)11.1%
ROIC(3y)2.39%
ROIC(5y)3.52%
SNFCA Yearly ROA, ROE, ROICSNFCA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 8.05%, SNFCA is in line with its industry, outperforming 47.52% of the companies in the same industry.
SNFCA's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 12.81%, SNFCA is in line with its industry, outperforming 44.55% of the companies in the same industry.
In the last couple of years the Operating Margin of SNFCA has grown nicely.
Industry RankSector Rank
OM 12.81%
PM (TTM) 8.05%
GM N/A
OM growth 3Y-3.03%
OM growth 5Y5.61%
PM growth 3Y-0.68%
PM growth 5Y15.9%
GM growth 3YN/A
GM growth 5YN/A
SNFCA Yearly Profit, Operating, Gross MarginsSNFCA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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3

2. Health

2.1 Basic Checks

SNFCA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, SNFCA has more shares outstanding
SNFCA has more shares outstanding than it did 5 years ago.
The debt/assets ratio for SNFCA has been reduced compared to a year ago.
SNFCA Yearly Shares OutstandingSNFCA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
SNFCA Yearly Total Debt VS Total AssetsSNFCA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of SNFCA is 2.19, which is a good value as it means it would take SNFCA, 2.19 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 2.19, SNFCA is doing good in the industry, outperforming 75.25% of the companies in the same industry.
A Debt/Equity ratio of 0.32 indicates that SNFCA is not too dependend on debt financing.
The Debt to Equity ratio of SNFCA (0.32) is better than 61.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.19
Altman-Z N/A
ROIC/WACC0.31
WACC7.72%
SNFCA Yearly LT Debt VS Equity VS FCFSNFCA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SNFCA Yearly Current Assets VS Current LiabilitesSNFCA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 75.53% over the past year.
SNFCA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.19% yearly.
SNFCA shows a small growth in Revenue. In the last year, the Revenue has grown by 3.55%.
Measured over the past years, SNFCA shows a small growth in Revenue. The Revenue has been growing by 3.09% on average per year.
EPS 1Y (TTM)75.53%
EPS 3Y-13.5%
EPS 5Y18.19%
EPS Q2Q%-101.49%
Revenue 1Y (TTM)3.55%
Revenue growth 3Y-11.82%
Revenue growth 5Y3.09%
Sales Q2Q%9.18%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SNFCA Yearly Revenue VS EstimatesSNFCA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.09, the valuation of SNFCA can be described as very reasonable.
68.32% of the companies in the same industry are more expensive than SNFCA, based on the Price/Earnings ratio.
SNFCA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.60.
Industry RankSector Rank
PE 9.09
Fwd PE N/A
SNFCA Price Earnings VS Forward Price EarningsSNFCA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SNFCA indicates a rather cheap valuation: SNFCA is cheaper than 97.03% of the companies listed in the same industry.
SNFCA's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SNFCA is cheaper than 93.07% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.79
EV/EBITDA 3.22
SNFCA Per share dataSNFCA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.5
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for SNFCA!.
Industry RankSector Rank
Dividend Yield N/A

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SECURITY NATL FINL CORP-CL A

NASDAQ:SNFCA (5/21/2025, 1:54:38 PM)

9.91

-0.44 (-4.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-15 2025-05-15/bmo
Earnings (Next)08-12 2025-08-12
Inst Owners48.19%
Inst Owner Change-0.35%
Ins Owners4.55%
Ins Owner Change6.64%
Market Cap233.88M
Analysts0
Price TargetN/A
Short Float %0.13%
Short Ratio0.47
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.09
Fwd PE N/A
P/S 0.71
P/FCF 4.79
P/OCF 4.08
P/B 0.69
P/tB 0.7
EV/EBITDA 3.22
EPS(TTM)1.09
EY11%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.07
FCFY20.87%
OCF(TTM)2.43
OCFY24.51%
SpS13.96
BVpS14.36
TBVpS14.13
PEG (NY)N/A
PEG (5Y)0.5
Profitability
Industry RankSector Rank
ROA 1.78%
ROE 7.83%
ROCE 2.86%
ROIC 2.39%
ROICexc 2.64%
ROICexgc 3.26%
OM 12.81%
PM (TTM) 8.05%
GM N/A
FCFM 14.81%
ROA(3y)1.52%
ROA(5y)2.14%
ROE(3y)7.08%
ROE(5y)11.1%
ROIC(3y)2.39%
ROIC(5y)3.52%
ROICexc(3y)2.63%
ROICexc(5y)3.87%
ROICexgc(3y)3.28%
ROICexgc(5y)4.9%
ROCE(3y)2.86%
ROCE(5y)4.22%
ROICexcg growth 3Y-19.25%
ROICexcg growth 5Y2.69%
ROICexc growth 3Y-17.13%
ROICexc growth 5Y2.61%
OM growth 3Y-3.03%
OM growth 5Y5.61%
PM growth 3Y-0.68%
PM growth 5Y15.9%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.19
Debt/EBITDA 1.63
Cap/Depr 36.67%
Cap/Sales 2.58%
Interest Coverage 10.06
Cash Conversion 87.64%
Profit Quality 183.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.72%
ROIC/WACC0.31
Cap/Depr(3y)19.82%
Cap/Depr(5y)18.66%
Cap/Sales(3y)1.43%
Cap/Sales(5y)1.14%
Profit Quality(3y)342.79%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)75.53%
EPS 3Y-13.5%
EPS 5Y18.19%
EPS Q2Q%-101.49%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.55%
Revenue growth 3Y-11.82%
Revenue growth 5Y3.09%
Sales Q2Q%9.18%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y63.95%
EBIT growth 3Y-14.49%
EBIT growth 5Y8.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1.79%
FCF growth 3Y-29.52%
FCF growth 5YN/A
OCF growth 1Y6.39%
OCF growth 3Y-26.54%
OCF growth 5YN/A