Security National Financial Corporation (SNFCA) Key Metrics
SNFCA valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $239.3M
- Enterprise value
- $187.5M
- P/E (TTM)
- 6.6 10-yr median 5.1
- Forward P/E
- 1.8
- PEG ratio
- —
- Price / sales
- 0.7 10-yr median 0.4
- Price / book
- 0.5 10-yr median 0.5
- EV / EBITDA
- — 10-yr median 3.0
- Dividend yield
- —
- Beta
- 0.64
SNFCA key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsSNFCA valuation Price multiples at each fiscal year-end price.
SNFCA returns How much profit the business earns on the capital it uses.
SNFCA per-share figures Results divided by the shares outstanding at year-end.
SNFCA financial health Debt, liquidity and how easily interest is covered.
SNFCA efficiency & capital use Working capital cycle and where the cash goes.
SNFCA valuation history
SNFCA returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
SNFCA debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
SNFCA cash returned to shareholders
SNFCA price vs earnings per share
SNFCA key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $208.3M | $249.2M | $176.3M | $125.5M | $166.3M | $132.5M | $77.7M | $68.3M | $65.4M | $75.3M |
| Enterprise value | $141.6M | $143.8M | −$226.6M | −$179.5M | $27.0M | $30.7M | −$194.5M | $155.3M | $266.0M | $262.1M |
| P/E ratio | 6.5 | 9.4 | 12.2 | 4.9 | 4.2 | 2.4 | 7.1 | 3.2 | 4.6 | 5.3 |
| Price / sales | 0.6 | 30.4 | 18.5 | 13.0 | 17.7 | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 |
| Price / book | 0.5 | 0.7 | 0.6 | 0.4 | 0.6 | 0.5 | 0.4 | 0.4 | 0.4 | 0.6 |
| Price / free cash flow | 4.7 | 4.5 | 3.3 | 1.0 | 1.2 | — | — | 11.9 | 1.5 | 1.9 |
| Price / operating cash flow | 4.6 | 4.3 | 3.3 | 1.0 | 1.1 | — | — | 9.7 | 1.5 | 1.7 |
| EV / sales | 0.4 | 17.5 | -23.7 | -18.6 | 2.9 | 0.1 | -0.7 | 0.6 | 1.0 | 0.9 |
| EV / EBITDA | 2.6 | 3.0 | — | — | 0.3 | 0.3 | — | 3.5 | 11.4 | 7.7 |
| EV / free cash flow | 3.2 | 2.6 | — | — | 0.2 | — | — | 27.1 | 6.1 | 6.5 |
| Earnings yield | 15.4% | 10.7% | 8.2% | 20.5% | 23.8% | 42.0% | 14.0% | 31.7% | 21.6% | 19.0% |
| Free cash flow yield | 21.1% | 22.0% | 29.9% | 102.6% | 83.8% | −99.1% | −99.7% | 8.4% | 66.3% | 53.5% |
| Dividend yield | — | — | — | 0.1% | 0.6% | 0.6% | 1.1% | — | 0.0% | 0.0% |
| Shareholder yield (dividends + buybacks) | 0.8% | 1.2% | 1.6% | 6.2% | 4.1% | 2.9% | 3.1% | 0.3% | 0.6% | 0.0% |
| Share price at fiscal year-end | $8.17 | $10.39 | $7.40 | $5.72 | $6.87 | $5.93 | $3.59 | $3.02 | $2.92 | $3.45 |
| Per share | ||||||||||
| Revenue per share | $13.52 | $0.34 | $0.40 | $0.44 | $0.39 | $21.56 | $13.08 | $12.34 | $12.36 | $14.06 |
| Earnings per share | $1.26 | $1.11 | $0.61 | $1.17 | $1.63 | $2.49 | $0.50 | $0.96 | $0.63 | $0.65 |
| Operating cash flow per share | $1.79 | $2.39 | $2.26 | $5.94 | $5.97 | −$5.80 | −$3.49 | $0.31 | $1.98 | $2.01 |
| Free cash flow per share | $1.72 | $2.29 | $2.22 | $5.87 | $5.75 | −$5.88 | −$3.58 | $0.25 | $1.94 | $1.84 |
| Cash per share | $6.48 | $8.85 | $21.35 | $21.27 | $16.12 | $17.95 | $22.69 | $6.52 | $2.02 | $3.04 |
| Book value per share | $16.10 | $14.13 | $13.14 | $13.34 | $12.37 | $11.82 | $9.09 | $7.58 | $6.63 | $5.86 |
| Tangible book value per share | $15.65 | $13.62 | $12.65 | $12.81 | $9.82 | $9.63 | $7.62 | $6.28 | $5.26 | $4.53 |
| Dividends per share | — | — | — | $0.01 | $0.04 | $0.04 | $0.04 | — | $0.00 | $0.00 |
| Capex per share | $0.07 | $0.10 | $0.05 | $0.07 | $0.22 | $0.07 | $0.09 | $0.06 | $0.04 | $0.16 |
| Debt per share | $3.86 | $4.45 | $4.43 | $7.37 | $10.37 | $13.39 | $10.11 | $10.36 | $10.98 | $11.59 |
| Shares outstanding | 25.5M | 24.0M | 23.8M | 21.9M | 24.2M | 22.3M | 21.6M | 22.7M | 22.4M | 21.9M |
| Change in shares outstanding | +6.3% | +0.7% | +8.5% | −9.4% | +8.5% | +3.2% | −4.5% | +1.2% | +2.5% | +1.4% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 8.6% | 8.1% | 4.8% | 8.7% | 14.0% | 24.1% | 5.9% | 13.5% | 10.2% | 11.9% |
| Return on invested capital (ROIC) | 11.1% | 37.0% | — | — | 24.5% | 128.2% | — | 7.1% | 2.3% | 5.4% |
| Return on assets (ROA) | 2.1% | 1.8% | 1.0% | 1.7% | 2.6% | 3.9% | 0.9% | 2.1% | 1.5% | 1.8% |
| Return on tangible assets | 2.1% | 1.8% | 1.0% | 1.8% | 2.7% | 3.7% | 0.8% | 2.1% | 1.5% | 1.7% |
| Free cash flow margin | 12.7% | 669.5% | 552.6% | — | — | −27.3% | −27.4% | 2.0% | 15.7% | 13.1% |
| Income quality (OCF / net income) | 1.42 | 2.16 | 3.72 | 5.08 | 3.66 | −2.33 | −6.94 | 0.32 | 3.14 | 3.07 |
| Financial health | ||||||||||
| Total debt | $98.4M | $106.7M | $105.6M | $161.7M | $251.3M | $299.1M | $218.8M | $234.8M | $245.9M | $253.3M |
| Cash & short-term investments | $165.0M | $212.1M | $508.5M | $466.8M | $390.6M | $400.9M | $491.0M | $147.8M | $45.3M | $66.5M |
| Net debt | −$66.6M | −$105.4M | −$402.9M | −$305.1M | −$139.4M | −$101.8M | −$272.2M | $87.0M | $200.6M | $186.8M |
| Debt / equity | 0.24 | 0.32 | 0.34 | 0.55 | 0.84 | 1.13 | 1.11 | 1.37 | 1.66 | 1.98 |
| Debt / assets | 0.06 | 0.07 | 0.07 | 0.11 | 0.16 | 0.19 | 0.16 | 0.22 | 0.25 | 0.30 |
| Net debt / EBITDA | −1.22 | −2.24 | −13.26 | −5.09 | −1.76 | −1.05 | −8.11 | 1.98 | 8.56 | 5.52 |
| Current ratio | 6.40 | 17.88 | 50.49 | 7.48 | 2.47 | 41.97 | 81.81 | 3.34 | 1.06 | 0.00 |
| Quick ratio | 6.40 | 17.88 | 68.63 | 10.04 | 3.38 | 56.83 | 120.92 | 6.77 | 0.01 | 0.00 |
| Interest coverage | 9.2 | 8.0 | 3.4 | 4.4 | 7.3 | 8.3 | 1.9 | 3.8 | 1.2 | 4.1 |
| Working capital | $184.9M | $228.3M | $528.0M | $442.1M | $252.3M | $417.2M | $509.7M | $117.4M | $1.54B | −$44.38B |
| Invested capital | $343.7M | $233.4M | −$90.0M | −$12.3M | $160.4M | $162.2M | −$75.5M | $258.8M | $349.1M | $315.0M |
| Tangible asset value | $398.9M | $326.5M | $301.2M | $281.2M | $237.9M | $215.0M | $164.8M | $142.4M | $117.8M | $99.0M |
| Net current asset value | −$932.3M | −$909.2M | −$579.0M | −$657.9M | −$824.0M | −$857.6M | −$621.7M | −$711.5M | $28.61B | −$627.4M |
| Graham number | $21.38 | $18.76 | $13.42 | $18.75 | $21.31 | $25.73 | $10.15 | $12.78 | $9.70 | $9.28 |
| Graham net-net per share | −$37.96 | −$38.23 | −$28.70 | −$34.46 | −$37.57 | −$42.09 | −$34.73 | −$35.41 | $619.49 | −$30.85 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | — | $143,432 | $1.1M | $832,152 | $863,910 | — | $0 | $0 |
| Share buybacks (net) | $1.6M | $3.1M | $2.8M | $7.7M | $5.8M | $3.0M | $1.5M | $215,521 | $382,734 | $0 |
| Dividend payout ratio | — | — | — | 0.6% | 2.7% | 1.5% | 7.9% | — | 0.0% | 0.0% |
| Dividends + buybacks / free cash flow | 3.7% | 5.6% | 5.4% | 6.1% | 4.9% | — | — | 3.8% | 0.9% | 0.0% |
| Capex / revenue | 0.5% | 30.2% | 11.6% | 16.6% | 55.6% | 0.3% | 0.6% | 0.5% | 0.3% | 1.2% |
| Capex / operating cash flow | 3.7% | 4.3% | 2.1% | 1.2% | 3.6% | — | — | 18.3% | 2.1% | 8.1% |
| Capex / depreciation | 0.19 | 0.28 | 0.12 | 0.09 | 0.26 | 0.09 | 0.15 | 0.12 | 0.09 | 0.45 |
| Stock-based compensation / revenue | 383.2% | 9.8% | 6.3% | 62.0% | 1.3% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| SG&A / revenue | 36.4% | 1,438.6% | 1,278.4% | 1,580.7% | 1,715.9% | 28.9% | 37.5% | 37.9% | 39.2% | 36.9% |
| Efficiency | ||||||||||
| Days sales outstanding | 29.1 | 1,334.0 | 1,410.6 | 1,449.5 | 1,159.6 | 19.5 | 28.8 | 28.5 | 36.7 | 36.3 |
| Days of inventory on hand | — | — | -13,818.0 | -7,711.7 | -7,870.1 | -8,466.4 | -10,345.5 | 763,996.2 | 883,184.3 | 1,228.4 |
| Days payables outstanding | 12.8 | 252.0 | 311.3 | 361.9 | 489.0 | 297.6 | 196.2 | 170.4 | 236.6 | -66.0 |
| Cash conversion cycle (days) | 16.3 | 1,082.0 | -12,718.6 | -6,624.0 | -7,199.5 | -8,744.5 | -10,512.8 | 763,854.2 | 882,984.5 | 1,330.7 |
| Receivables turnover | 12.53 | 0.27 | 0.26 | 0.25 | 0.31 | 18.71 | 12.65 | 12.83 | 9.94 | 10.06 |
| Payables turnover | 28.45 | 1.45 | 1.17 | 1.01 | 0.75 | 1.23 | 1.86 | 2.14 | 1.54 | −5.53 |
| Inventory turnover | — | — | — | — | — | — | — | — | 0.00 | — |
| Asset turnover | 0.23 | 0.01 | 0.01 | 0.01 | 0.01 | 0.33 | 0.24 | 0.28 | 0.30 | 0.38 |
| Average receivables | $27.5M | $29.9M | $36.9M | $38.4M | $29.8M | $25.7M | $22.4M | $21.8M | $27.9M | $30.5M |
| Average payables | $3.5M | $2.9M | $4.1M | $7.8M | $9.5M | $7.0M | $4.0M | $3.2M | $3.9M | $3.9M |
| Average inventory | — | — | −$184.2M | −$165.4M | −$153.7M | −$199.0M | −$209.4M | $14.56B | $14.61B | −$71.8M |
| Intangibles / total assets | 0.7% | 0.8% | 0.8% | 0.8% | 4.0% | 3.2% | 2.4% | 2.8% | 3.1% | 3.4% |
Computed from SNFCA's annual financial statements (latest annual report filed March 16, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
SNFCA valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Security National Financial traded at 6.5 times earnings, against a 10-year median of 5.1. Based on the latest twelve months, the trailing P/E is 6.6 and the forward P/E is 1.8. Security National Financial earned a return on equity of 8.6% and a return on invested capital of 11.1% in fiscal 2025. It ended the year with $98.4 million of debt and $165.0 million in cash and short-term investments, a net cash position of $66.6 million. It returned $1.6 million to shareholders: $0 in dividends and $1.6 million in share buybacks, 4% of free cash flow. The share count rose 16.6% from 21.9M to 25.5M over 9 years.
See the SNFCA income statement, the SNFCA chart for price history, or the SNFCA stock overview for the latest quote and news.
SNFCA key metrics FAQ
What is Security National Financial's P/E ratio?
Security National Financial's trailing P/E ratio is 6.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 1.8. At the end of fiscal 2025 it was 6.5, compared with a 10-year median of 5.1.
What is Security National Financial's EV/EBITDA?
Security National Financial's enterprise value was 2.6 times EBITDA at the end of fiscal 2025 (enterprise value $141.6 million, EBITDA $54.6 million).
What is Security National Financial's return on equity?
Security National Financial's return on equity (ROE) was 8.6% in fiscal 2025: net income of $32.2 million on average shareholders' equity of $374.6 million.
What is Security National Financial's ROIC?
Security National Financial's return on invested capital was 11.1% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Security National Financial have?
Security National Financial had total debt of $98.4 million at the end of fiscal 2025, a debt-to-equity ratio of 0.24 and more cash than debt.
Does Security National Financial buy back its shares?
Yes. Security National Financial spent $1.6 million on net share repurchases in fiscal 2025 Shares outstanding changed +6.3% over the year, to 25.5M..
What is Security National Financial's free cash flow yield?
Security National Financial generated $43.8 million of free cash flow in fiscal 2025, a free cash flow yield of 21.1% on its market value at year-end ($208.3 million).
What is Security National Financial's current ratio?
Security National Financial's current ratio was 6.40 at the end of fiscal 2025: current assets were 6.40 times current liabilities.