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

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

8.41  +0.01 (+0.12%)

After market: 8.41 0 (0%)

Fundamental Rating

3

Overall SNFCA gets a fundamental rating of 3 out of 10. We evaluated SNFCA against 100 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 has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year SNFCA was profitable.
SNFCA had a positive operating cash flow in the past year.
In the past 5 years SNFCA has always been profitable.
SNFCA had a positive operating cash flow in 4 of the past 5 years.
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 1.54% is in line compared to the rest of the industry. SNFCA outperforms 54.00% of its industry peers.
SNFCA has a Return On Equity (6.75%) which is in line with its industry peers.
With a Return On Invested Capital value of 2.19%, SNFCA perfoms like the industry average, outperforming 46.00% 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 7.90%.
Industry RankSector Rank
ROA 1.54%
ROE 6.75%
ROIC 2.19%
ROA(3y)1.52%
ROA(5y)2.14%
ROE(3y)7.08%
ROE(5y)11.1%
ROIC(3y)2.39%
ROIC(5y)3.52%
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 7.06%, SNFCA is in line with its industry, outperforming 44.00% of the companies in the same industry.
In the last couple of years the Profit Margin of SNFCA has grown nicely.
Looking at the Operating Margin, with a value of 11.91%, SNFCA is in line with its industry, outperforming 45.00% 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 11.91%
PM (TTM) 7.06%
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.
Compared to 1 year ago, SNFCA has an improved debt to assets ratio.
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 3.74. This is a good value and a sign of high solvency as SNFCA would need 3.74 years to pay back of all of its debts.
SNFCA has a better Debt to FCF ratio (3.74) than 72.00% of its industry peers.
SNFCA has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of SNFCA (0.35) is better than 63.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 3.74
Altman-Z N/A
ROIC/WACC0.28
WACC7.7%
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

SNFCA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.74%, which is quite good.
The Earnings Per Share has been growing by 19.64% on average over the past years. This is quite good.
The Revenue has been growing slightly by 3.50% in the past year.
SNFCA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.09% yearly.
EPS 1Y (TTM)8.74%
EPS 3Y-12.06%
EPS 5Y19.64%
EPS Q2Q%-45.55%
Revenue 1Y (TTM)3.5%
Revenue growth 3Y-11.82%
Revenue growth 5Y3.09%
Sales Q2Q%4.01%

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

A Price/Earnings ratio of 9.04 indicates a reasonable valuation of SNFCA.
Based on the Price/Earnings ratio, SNFCA is valued a bit cheaper than 76.00% of the companies in the same industry.
SNFCA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.86.
Industry RankSector Rank
PE 9.04
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

Based on the Enterprise Value to EBITDA ratio, SNFCA is valued cheaper than 97.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, SNFCA is valued cheaper than 89.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.65
EV/EBITDA 3.32
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)0.46
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 (8/20/2025, 8:24:44 PM)

After market: 8.41 0 (0%)

8.41

+0.01 (+0.12%)

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 Owners50.88%
Inst Owner Change7.72%
Ins Owners6.5%
Ins Owner Change3.85%
Market Cap218.49M
Analysts0
Price TargetN/A
Short Float %N/A
Short Ratio3.77
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 9.04
Fwd PE N/A
P/S 0.66
P/FCF 6.65
P/OCF 5.22
P/B 0.63
P/tB 0.64
EV/EBITDA 3.32
EPS(TTM)0.93
EY11.06%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.26
FCFY15.03%
OCF(TTM)1.61
OCFY19.14%
SpS12.76
BVpS13.34
TBVpS13.13
PEG (NY)N/A
PEG (5Y)0.46
Profitability
Industry RankSector Rank
ROA 1.54%
ROE 6.75%
ROCE 2.62%
ROIC 2.19%
ROICexc 2.4%
ROICexgc 2.96%
OM 11.91%
PM (TTM) 7.06%
GM N/A
FCFM 9.91%
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 0.35
Debt/FCF 3.74
Debt/EBITDA 1.96
Cap/Depr 38.72%
Cap/Sales 2.71%
Interest Coverage 9.24
Cash Conversion 66.73%
Profit Quality 140.36%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.7%
ROIC/WACC0.28
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)8.74%
EPS 3Y-12.06%
EPS 5Y19.64%
EPS Q2Q%-45.55%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.5%
Revenue growth 3Y-11.82%
Revenue growth 5Y3.09%
Sales Q2Q%4.01%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y24.18%
EBIT growth 3Y-14.49%
EBIT growth 5Y8.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-18.1%
FCF growth 3Y-29.52%
FCF growth 5YN/A
OCF growth 1Y-0.17%
OCF growth 3Y-26.54%
OCF growth 5YN/A