SNFCA

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Security National Financial Corp.

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Key Metrics

Previous Close: $8.90
52-Week Range: $7.33 – $10.23
Market Cap: $230.70M
P/E (TTM): 7.09
EPS (TTM): 1.25
Dividend Yield: —

Advanced Metrics

Price/Book: 0.53
PEG Ratio: —
Return on Equity: 8.47%
Return on Assets: 1.88%
Gross Margin: 51.15%
Operating Margin: 15.21%
Profit Margin: 9.93%
Current Ratio: 2.17
Debt/Equity: 0.28
Total Debt: $122.32M
Free Cash Flow: $217.02M
Revenue Growth: -6.30%
Earnings Growth: 6.50%
Enterprise Value: $187.05M

SNFCA Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$390.73M	$318.52M	$335.45M	$345.39M
Selling, General & Admin	$158.49M	$125.77M	$120.97M	$125.42M
Pretax Income	$34.38M	$16.30M	$37.37M	$41.41M
Income Tax	$8.69M	$1.81M	$8.25M	$9.26M
Net Income	$25.69M	$14.50M	$29.12M	$32.15M
Diluted EPS	1.02	0.58	1.16	1.26
Diluted Shares	25.40M	25.00M	25.19M	25.48M

SNFCA Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$120.92M	$126.94M	$140.55M	$102.26M
Receivables	$43.61M	$30.19M	$29.68M	$29.27M
Total Assets	$1.46B	$1.43B	$1.49B	$1.56B
Long-Term Debt	$98.80M	$97.81M	$96.01M	$94.12M
Total Debt	$161.71M	$105.56M	$106.74M	$98.39M
Total Liabilities	$1.17B	$1.12B	$1.11B	$1.15B
Retained Earnings	$202.16M	$206.98M	$227.80M	$248.80M
Shareholders' Equity	$292.79M	$312.90M	$381.90M	$410.37M
Net Debt	$40.76M	—	—	—

SNFCA Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$130.45M	$53.88M	$57.32M	$45.54M
Capital Expenditure	-$1.60M	-$1.11M	-$2.47M	-$1.69M
Free Cash Flow	$128.85M	$52.77M	$54.85M	$43.85M
Depreciation & Amortisation	$17.68M	$9.23M	$8.78M	$8.72M
Stock-Based Compensation	$929.69K	$601.36K	$800.82K	$1.32M
Investing Cash Flow	-$37.16M	$14.61M	-$43.13M	-$67.21M
Financing Cash Flow	-$101.22M	-$62.04M	-$4.01M	-$14.32M
Share Repurchases	-$7.66M	-$2.85M	-$3.05M	-$1.61M
Net Change in Cash	-$7.93M	$6.44M	$10.18M	-$35.99M

SNFCA Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$82.92M	$89.76M	$89.54M	$83.17M	$79.90M
Selling, General & Admin	$31.40M	$32.00M	$31.05M	$30.97M	$29.88M
Pretax Income	$8.25M	$8.34M	$10.15M	$17.35M	$9.05M
Income Tax	$1.84M	$1.83M	$2.34M	$3.86M	$2.05M
Net Income	$6.41M	$6.51M	$7.82M	$13.49M	$7.00M
Diluted EPS	0.25	0.25	0.31	—	0.27
Diluted Shares	25.69M	25.53M	25.40M	—	25.54M

SNFCA Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$132.95M	$79.32M	$100.40M	$102.26M	$150.12M
Receivables	$29.73M	$29.21M	$28.82M	$29.27M	$29.66M
Total Assets	$1.52B	$1.54B	$1.56B	$1.56B	$1.58B
Long-Term Debt	$122.82M	$122.93M	$123.10M	$94.12M	$108.76M
Total Debt	$122.82M	$122.93M	$123.10M	$98.39M	$108.76M
Total Liabilities	$1.18B	$1.19B	$1.20B	$1.15B	$1.16B
Retained Earnings	$229.70M	$225.04M	$232.86M	$248.80M	$255.80M
Shareholders' Equity	$346.49M	$354.75M	$365.38M	$410.37M	$425.52M
Net Debt	—	$43.61M	$22.70M	—	—

SNFCA Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$9.59M	-$7.68M	$25.65M	$17.99M	$32.94M
Capital Expenditure	-$441.53K	-$442.55K	-$707.41K	-$99.79K	-$189.70K
Free Cash Flow	$9.14M	-$8.12M	$24.94M	$17.89M	$32.75M
Investing Cash Flow	-$29.27M	-$43.18M	-$2.07M	$7.31M	$7.71M
Financing Cash Flow	$14.87M	-$2.03M	-$1.34M	-$25.82M	$7.33M
Share Repurchases	-$242.26K	-$961.42K	-$400.93K	-$5.44K	-$785.52K
Net Change in Cash	-$4.81M	-$52.89M	$22.24M	-$527.16K	$47.98M

Market Snapshot

About

Security National Financial is a diversified financial services company operating in life insurance, cemetery and mortuary, and mortgage businesses. The company provides life insurance products, pre-need cemetery and funeral services, and residential and commercial mortgage loans. Security National Financial has been serving customers since 1965 and is headquartered in Salt Lake City, Utah.