SNFCA Fundamental Analysis - SECURITY NATL FINL CORP-CL A

Fundamental Rating

Overall SNFCA gets a fundamental rating of 3 out of 10. We evaluated SNFCA against 97 industry peers in the Financial Services industry. SNFCA has a medium profitability rating, but doesn't score so well on its financial health evaluation. SNFCA is valued correctly, but it does not seem to be growing.

Quickly go to:

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.
In the past 5 years SNFCA has always been profitable.
Of the past 5 years SNFCA 4 years had a positive operating cash flow.

1.2 Ratios

SNFCA has a Return On Assets of 1.19%. This is comparable to the rest of the industry: SNFCA outperforms 50.00% of its industry peers.
SNFCA's Return On Equity of 5.10% is on the low side compared to the rest of the industry. SNFCA is outperformed by 63.27% of its industry peers.
SNFCA has a Return On Invested Capital (1.77%) which is in line with its industry peers.
SNFCA had an Average Return On Invested Capital over the past 3 years of 2.39%. This is significantly below the industry average of 8.44%.

		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

With a Profit Margin value of 5.49%, SNFCA perfoms like the industry average, outperforming 41.84% of the companies in the same industry.
In the last couple of years the Profit Margin of SNFCA has grown nicely.
With a Operating Margin value of 9.67%, SNFCA perfoms like the industry average, outperforming 41.84% of the companies in the same industry.
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. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SNFCA is destroying value.
The number of shares outstanding for SNFCA has been increased compared to 1 year ago.
SNFCA has more shares outstanding than it did 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.
SNFCA has a Debt to FCF ratio of 3.26. This is in the better half of the industry: SNFCA outperforms 69.39% of its industry peers.
SNFCA has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.34, SNFCA perfoms like the industry average, outperforming 58.16% of the companies in the same industry.

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

ROIC/WACC0.23

WACC7.86%

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. Growth

3.1 Past

The earnings per share for SNFCA have decreased strongly by -38.67% in the last year.
SNFCA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.64% yearly.
SNFCA shows a small growth in Revenue. In the last year, the Revenue has grown by 5.78%.
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)-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. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.16 indicates a correct valuation of SNFCA.
The rest of the industry has a similar Price/Earnings ratio as SNFCA.
SNFCA is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.16
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 94.90% of the companies in the same industry.
89.80% of the companies in the same industry are more expensive than SNFCA, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	6.11
EV/EBITDA	4.53

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.62

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

No dividends for SNFCA!.

		Industry Rank	Sector Rank
Dividend Yield	0%

More info and screens

Find the best dividend stocks

Show peers with best dividend

SECURITY NATL FINL CORP-CL A

NASDAQ:SNFCA (1/16/2026, 8:00:02 PM)

After market: 8.88 0 (0%)

8.88

-0.14 (-1.55%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)11-13 2025-11-13/bmo

Earnings (Next)03-30 2026-03-30

Inst Owners52.15%

Inst Owner Change0%

Ins Owners6.24%

Ins Owner Change0.31%

Market Cap230.79M

Revenue(TTM)339.10M

Net Income(TTM)18.62M

Analysts0

Price TargetN/A

Short Float %2.64%

Short Ratio14

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	12.16
Fwd PE	N/A
P/S	0.68
P/FCF	6.11
P/OCF	4.62
P/B	0.63
P/tB	0.64
EV/EBITDA	4.53

EPS(TTM)0.73

EY8.22%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.45

FCFY16.38%

OCF(TTM)1.92

OCFY21.66%

SpS13.05

BVpS14.06

TBVpS13.86

PEG (NY)N/A

PEG (5Y)0.62

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

WACC7.86%

ROIC/WACC0.23

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 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.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens

SECURITY NATL FINL CORP-CL A / SNFCA FAQ

What is the fundamental rating for SNFCA stock?

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

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