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

Name: SECURITY NATL FINL CORP-CL A (SNFCA) Fundamental Analysis Rating
Brand: SECURITY NATL FINL CORP-CL A

NASDAQ:SNFCA • US8147853092

9.21 USD

-0.27 (-2.85%)

Last: Mar 23, 2026, 01:25 PM

This SNFCA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1. SNFCA Profitability Analysis

1.1 Basic Checks

In the past year SNFCA was profitable.
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.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.19%, SNFCA is in line with its industry, outperforming 52.00% of the companies in the same industry.
SNFCA has a Return On Equity (5.10%) which is comparable to the rest of the industry.
SNFCA has a Return On Invested Capital (1.77%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for SNFCA is significantly below the industry average of 8.14%.

		Industry Rank	Sector Rank
ROA	1.19%
ROE	5.1%
ROIC	1.77%

ROA(3y)1.52%

ROA(5y)2.14%

ROE(3y)7.08%

ROE(5y)11.1%

ROIC(3y)2.39%

ROIC(5y)3.52%

1.3 Margins

Looking at the Profit Margin, with a value of 5.49%, SNFCA is in line with its industry, outperforming 43.00% of the companies in the same industry.
SNFCA's Profit Margin has improved in the last couple of years.
SNFCA's Operating Margin of 9.67% is in line compared to the rest of the industry. SNFCA outperforms 48.00% of its industry peers.
In the last couple of years the Operating Margin of SNFCA has grown nicely.

		Industry Rank	Sector Rank
OM	9.67%
PM (TTM)	5.49%
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

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

2. SNFCA Health Analysis

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SNFCA is destroying value.
SNFCA has more shares outstanding than it did 1 year ago.
The number of shares outstanding for SNFCA has been increased compared to 5 years ago.
Compared to 1 year ago, SNFCA has an improved debt to assets ratio.

2.2 Solvency

SNFCA has a debt to FCF ratio of 3.26. This is a good value and a sign of high solvency as SNFCA would need 3.26 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.26, SNFCA is in the better half of the industry, outperforming 71.00% of the companies in the same industry.
A Debt/Equity ratio of 0.34 indicates that SNFCA is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.34, SNFCA perfoms like the industry average, outperforming 59.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	3.26
Altman-Z	N/A

ROIC/WACC0.24

WACC7.3%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

3. SNFCA Growth Analysis

3.1 Past

The earnings per share for SNFCA have decreased strongly by -38.67% in the last year.
Measured over the past years, SNFCA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.64% on average per year.
The Revenue has been growing slightly by 5.78% in the past year.
The Revenue has been growing slightly by 3.09% on average over the past years.

EPS 1Y (TTM)-38.67%

EPS 3Y-12.06%

EPS 5Y19.64%

EPS Q2Q%-34.32%

Revenue 1Y (TTM)5.78%

Revenue growth 3Y-11.82%

Revenue growth 5Y3.09%

Sales Q2Q%7.2%

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.

More info and screens

Find the best growth stocks Show best growing peers

4. SNFCA Valuation Analysis

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.62, SNFCA is valued correctly.
SNFCA's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of SNFCA to the average of the S&P500 Index (25.23), we can say SNFCA is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	12.62
Fwd PE	N/A

4.2 Price Multiples

SNFCA's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SNFCA is cheaper than 92.00% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SNFCA indicates a rather cheap valuation: SNFCA is cheaper than 87.00% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.33
EV/EBITDA	4.81

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.64

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

5. SNFCA Dividend Analysis

5.1 Amount

SNFCA does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	0%

More info and screens

Find the best dividend stocks Show peers with best dividend

SNFCA Fundamentals: All Metrics, Ratios and Statistics

SECURITY NATL FINL CORP-CL A

NASDAQ:SNFCA (3/23/2026, 1:25:37 PM)

9.21

-0.27 (-2.85%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)03-16 2026-03-16

Earnings (Next)05-13 2026-05-13

Inst Owners53.04%

Inst Owner Change2.96%

Ins Owners6.22%

Ins Owner Change0.31%

Market Cap239.37M

Revenue(TTM)339.10M

Net Income(TTM)18.62M

Analysts0

Price TargetN/A

Short Float %1.76%

Short Ratio9.34

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0%

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 Rank	Sector Rank
PE	12.62
Fwd PE	N/A
P/S	0.71
P/FCF	6.33
P/OCF	4.79
P/B	0.66
P/tB	0.66
EV/EBITDA	4.81

EPS(TTM)0.73

EY7.93%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.45

FCFY15.79%

OCF(TTM)1.92

OCFY20.88%

SpS13.05

BVpS14.06

TBVpS13.86

PEG (NY)N/A

PEG (5Y)0.64

Graham Number15.2

Profitability

		Industry Rank	Sector Rank
ROA	1.19%
ROE	5.1%
ROCE	2.13%
ROIC	1.77%
ROICexc	1.9%
ROICexgc	2.34%
OM	9.67%
PM (TTM)	5.49%
GM	N/A
FCFM	11.15%

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%

ROICexgc growth 3Y-19.25%

ROICexgc 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-Score6

Asset Turnover0.22

Health

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	3.26
Debt/EBITDA	2.2
Cap/Depr	52.49%
Cap/Sales	3.59%
Interest Coverage	7.18
Cash Conversion	89.26%
Profit Quality	203.02%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC7.3%

ROIC/WACC0.24

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)-38.67%

EPS 3Y-12.06%

EPS 5Y19.64%

EPS Q2Q%-34.32%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)5.78%

Revenue growth 3Y-11.82%

Revenue growth 5Y3.09%

Sales Q2Q%7.2%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-17.55%

EBIT growth 3Y-14.49%

EBIT growth 5Y8.86%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y3.84%

FCF growth 3Y-29.52%

FCF growth 5YN/A

OCF growth 1Y26.21%

OCF growth 3Y-26.54%

OCF growth 5YN/A

SECURITY NATL FINL CORP-CL A / SNFCA Fundamental Analysis FAQ

What is the fundamental rating for SNFCA stock?

ChartMill assigns a fundamental rating of 3 / 10 to SNFCA.

What is the valuation status of SECURITY NATL FINL CORP-CL A (SNFCA) stock?

ChartMill assigns a valuation rating of 4 / 10 to SECURITY NATL FINL CORP-CL A (SNFCA). This can be considered as Fairly Valued.

Can you provide the profitability details for SECURITY NATL FINL CORP-CL A?

SECURITY NATL FINL CORP-CL A (SNFCA) has a profitability rating of 4 / 10.