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

USA - NASDAQ:SNFCA - US8147853092 - Common Stock

8.47 USD
-0.11 (-1.28%)
Last: 10/6/2025, 9:02:56 PM
8.47 USD
0 (0%)
After Hours: 10/6/2025, 9:02:56 PM
Fundamental Rating

3

Taking everything into account, SNFCA scores 3 out of 10 in our fundamental rating. SNFCA was compared to 99 industry peers in the Financial Services industry. While SNFCA is still in line with the averages on profitability rating, there are concerns on its financial health. 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

In the past year SNFCA was profitable.
In the past year SNFCA had a positive cash flow from operations.
In the past 5 years SNFCA has always been profitable.
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

SNFCA's Return On Assets of 1.47% is in line compared to the rest of the industry. SNFCA outperforms 53.54% of its industry peers.
With a Return On Equity value of 6.38%, SNFCA is not doing good in the industry: 60.61% of the companies in the same industry are doing better.
With a Return On Invested Capital value of 2.07%, SNFCA perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SNFCA is significantly below the industry average of 7.66%.
Industry RankSector Rank
ROA 1.47%
ROE 6.38%
ROIC 2.07%
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 6.75%, SNFCA is in line with its industry, outperforming 45.45% of the companies in the same industry.
In the last couple of years the Profit Margin of SNFCA has grown nicely.
SNFCA has a Operating Margin of 11.27%. This is comparable to the rest of the industry: SNFCA outperforms 45.45% of its industry peers.
In the last couple of years the Operating Margin of SNFCA has grown nicely.
Industry RankSector Rank
OM 11.27%
PM (TTM) 6.75%
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

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SNFCA is destroying value.
Compared to 1 year ago, SNFCA has more shares outstanding
Compared to 5 years ago, SNFCA has more shares outstanding
SNFCA has a better debt/assets ratio than last year.
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

SNFCA has a debt to FCF ratio of 3.01. This is a good value and a sign of high solvency as SNFCA would need 3.01 years to pay back of all of its debts.
SNFCA has a Debt to FCF ratio of 3.01. This is in the better half of the industry: SNFCA outperforms 74.75% of its industry peers.
A Debt/Equity ratio of 0.35 indicates that SNFCA is not too dependend on debt financing.
SNFCA has a Debt to Equity ratio of 0.35. This is in the better half of the industry: SNFCA outperforms 62.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 3.01
Altman-Z N/A
ROIC/WACC0.3
WACC6.99%
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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2

3. Growth

3.1 Past

SNFCA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.21%.
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.
SNFCA shows a small growth in Revenue. In the last year, the Revenue has grown by 4.70%.
The Revenue has been growing slightly by 3.09% on average over the past years.
EPS 1Y (TTM)-1.21%
EPS 3Y-12.06%
EPS 5Y19.64%
EPS Q2Q%-12.13%
Revenue 1Y (TTM)4.7%
Revenue growth 3Y-11.82%
Revenue growth 5Y3.09%
Sales Q2Q%4.27%

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

Based on the Price/Earnings ratio of 9.52, the valuation of SNFCA can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of SNFCA indicates a somewhat cheap valuation: SNFCA is cheaper than 70.71% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of SNFCA to the average of the S&P500 Index (27.90), we can say SNFCA is valued rather cheaply.
Industry RankSector Rank
PE 9.52
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

SNFCA's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SNFCA is cheaper than 94.95% of the companies in the same industry.
SNFCA's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SNFCA is cheaper than 93.94% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.38
EV/EBITDA 4.32
SNFCA Per share dataSNFCA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.48
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

SNFCA does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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SECURITY NATL FINL CORP-CL A

NASDAQ:SNFCA (10/6/2025, 9:02:56 PM)

After market: 8.47 0 (0%)

8.47

-0.11 (-1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-15 2025-08-15/bmo
Earnings (Next)11-12 2025-11-12
Inst Owners51.93%
Inst Owner Change0%
Ins Owners6.19%
Ins Owner Change0.09%
Market Cap220.05M
Analysts0
Price TargetN/A
Short Float %2.33%
Short Ratio8.86
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 9.52
Fwd PE N/A
P/S 0.66
P/FCF 5.38
P/OCF 4.3
P/B 0.62
P/tB 0.63
EV/EBITDA 4.32
EPS(TTM)0.89
EY10.51%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.57
FCFY18.57%
OCF(TTM)1.97
OCFY23.23%
SpS12.9
BVpS13.65
TBVpS13.45
PEG (NY)N/A
PEG (5Y)0.48
Profitability
Industry RankSector Rank
ROA 1.47%
ROE 6.38%
ROCE 2.48%
ROIC 2.07%
ROICexc 2.18%
ROICexgc 2.69%
OM 11.27%
PM (TTM) 6.75%
GM N/A
FCFM 12.19%
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-Score6
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 3.01
Debt/EBITDA 2.02
Cap/Depr 44.18%
Cap/Sales 3.06%
Interest Coverage 8.38
Cash Conversion 83.81%
Profit Quality 180.56%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC6.99%
ROIC/WACC0.3
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)-1.21%
EPS 3Y-12.06%
EPS 5Y19.64%
EPS Q2Q%-12.13%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.7%
Revenue growth 3Y-11.82%
Revenue growth 5Y3.09%
Sales Q2Q%4.27%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y13.08%
EBIT growth 3Y-14.49%
EBIT growth 5Y8.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.75%
FCF growth 3Y-29.52%
FCF growth 5YN/A
OCF growth 1Y45.64%
OCF growth 3Y-26.54%
OCF growth 5YN/A