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SECURITY NATIONAL FINANCIAL CORP

Data quality: 100%
SNFCA
NASDAQ Financial Services Nondepository Credit Institutions
$9.55
▼ $0.15 (-1.55%)
Mkt Cap: 251.09 M
Price
$9.65
Mkt Cap
251.09 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
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Quick Summary

Key Takeaways

Revenue declined -7.50% annually over 5 years
Earnings grew 21.17% over the past year
Generating 43.85 M in free cash flow
P/E of 7.81 — trading at a low valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 10.51%
Cash machine — converts 136.38% of earnings into free cash flow

Growth

Revenue Growth (5Y)
-7.50%
Below sector avg (5.76%)
Revenue (1Y)3.01%
Earnings (1Y)21.17%
FCF Growth (3Y)-8.84%

Quality

Return on Equity
8.93%
Below sector avg (9.22%)
ROICN/A
Net Margin9.33%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
7.81
Below sector avg (11.12)
P/B Ratio0.69
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2698 peers)
Metric Stock Sector Median
P/E 7.8 11.1
P/B 0.7 1.2
ROE % 8.9 9.2
Net Margin % 9.3 9.4
Rev Growth 5Y % -7.5 5.8
D/E — 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

No forward estimates available

Earnings Surprises

Last 3 quarters
Quarter Est. EPS Actual EPS Surprise
Q12015 $0.07 $0.08 +15.7%
Q32014 $0.05 $0.10 +77.1%
Q22014 $0.07 $0.12 +68.0%

ETFs Holding This Stock

BRUSX BRUSX
1.03% weight
BRSIX BRSIX
0.63% weight
BOSVX BOSVX
0.09% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.04% weight
GSMRX GSMRX
0.02% weight
GMSMX GMSMX
0.02% weight
GISMX GISMX
0.02% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) 3.01% Revenue Growth (3Y) 4.02%
Earnings Growth (1Y) 21.17% Earnings Growth (3Y) 48.93%
Revenue Growth (5Y) -7.50% Earnings Growth (5Y) -5.03%
Profitability
Revenue (TTM) 344.59 M Net Income (TTM) 32.15 M
ROE 8.93% ROA 2.07%
Gross Margin N/A Operating Margin N/A
Net Margin 9.33% Free Cash Flow (TTM) 43.85 M
ROIC N/A FCF Growth (3Y) -8.84%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.22
Working Capital N/A Tangible Book Value 360.13 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 7.81 Forward P/E N/A
P/B Ratio 0.69 P/S Ratio 0.73
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 17.46%
Market Cap 251.09 M Enterprise Value 150.70 M
Per Share
EPS (Diluted TTM) 1.26 Revenue / Share 13.24
FCF / Share 1.69 OCF / Share 1.75
EPS CAGR (1Y) 13.51% EPS CAGR (5Y) -9.64%
EPS CAGR (10Y) 3.31%
Efficiency
CapEx / Revenue 0.49% FCF Conversion 136.38%
SBC-Adj. FCF N/A Growth Momentum 10.51

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 344.59 M 334.52 M 318.50 M 389.65 M 470.70 M
Net Income 32.15 M 26.54 M 14.50 M 25.69 M 39.52 M
EPS (Diluted) 1.26 1.11 0.64 1.17 1.89
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 2.43 M 2.38 M 2.35 M 2.50 M 1.94 M
Interest Expense 4.52 M 4.25 M 4.87 M 7.83 M 7.13 M
Income Tax 9.26 M 7.57 M 1.81 M 8.69 M 12.28 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1.56 B 1.49 B 1.43 B 1.46 B 1.55 B
Total Liabilities 1.15 B 1.15 B 1.12 B 1.17 B 1.25 B
Shareholders' Equity 410.37 M 338.78 M 312.90 M 292.79 M 299.77 M
Total Debt — — — — 280.33 M
Cash & Equivalents 102.26 M 140.55 M 126.94 M 120.92 M 131.35 M
Current Assets — — — — —
Current Liabilities — — — — —