Security National Financial Corporation (SNFCA) AI Stock Analysis

Security National Financial Corporation operates across three primary business segments: life insurance, cemetery and mortuary services, and mortgage lending. Established in 1965 and headquartered in Salt Lake City, Utah, the company sells and services life insurance, annuity products, and accident and health insurance, alongside reinsurance activities. Its Cemetery and Mortuary segment manages mortuaries and cemeteries across Utah, California, and New Mexico, offering death care products and funeral services. Additionally, its Mortgages segment originates and underwrites residential and commercial loans across states including Florida, Nevada, Texas, and Utah, catering directly to consumers, real estate brokers, and builders.

In FY2025, Security National Financial generated revenue of $344.6M, up 4106.2% compared to $8.2M in FY2024, while net income rose to $32.2M with a net margin of 9.3%. Over the longer term, its five-year revenue CAGR from FY2020 to FY2025 was -6.5%. Operating cash flow was $45.5M and free cash flow reached $43.8M in FY2025. In the trailing twelve months ended June 30, 2026, revenue stood at $336.0M with an operating margin of 15.2% and return on equity of 8.5%. For the latest quarter ended June 30, 2026, quarterly revenue fell 6.3% year-over-year, while quarterly earnings grew 6.5%.

As of June 30, 2026, Security National Financial held $193.6M in cash and short-term investments against total debt of $122.2M, resulting in net cash of $71.3M. Total assets stood at $1.61B and shareholders' equity was $433.0M, giving a debt-to-equity ratio of 0.28 and a current ratio of 0.62. In FY2025, capital expenditures were $1.7M and share buybacks totaled $1.6M. Over the past five years, the company's share count increased by 11.1%.

SNFCA shares closed at $9.19 on October 16, 2026, representing a market capitalization of $239.3M and an enterprise value of $187.5M. The stock trades at a trailing P/E of 6.6x and a forward P/E of 1.8x, both below the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its price-to-sales ratio of 0.7x is also lower than the peer median of 3.2x. Over the past year, SNFCA returned 25.6%, outperforming the S&P 500 (SPY) return of 16.8%, but its 5-year return of 50.2% trails SPY's 83.0%.

Security National Financial Corporation does not have analyst coverage ratings or consensus price targets reported. Over the trailing twelve months, the company recorded an EPS of $1.40 and a return on assets of 1.9%. The next scheduled earnings announcement date is November 12, 2026.

This page is an AI-written research summary of Security National Financial Corporation (SNFCA). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: SNFCA income statement, SNFCA balance sheet, SNFCA key metrics, SNFCA chart. See the SNFCA stock overview for the latest quote and news.