Security National Financial (SNFCA) AI Stock Analysis

• Market Cap: $205.99M
• Dividend Yield: N/A
• Average Volume (3M): 41.36K
• Price to Earnings (P/E): 9.1
• Beta (1Y): 1.32
• Revenue Growth: 5.49%
• EPS Growth: 4.30%
• Country: US
• Employees: 1,186
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 0.24
• Shares Outstanding: 22,394,867
• 10 Day Avg. Volume: 27,264
• 30 Day Avg. Volume: 41,356
• PEG Ratio: 0.14
• Price to Book (P/B): 0.83
• Price to Sales (P/S): 0.84
• P/FCF Ratio: 5.11
• Enterprise Value/Market Cap: 1.82
• Enterprise Value/Revenue: 1.48
• Enterprise Value/Gross Profit: 1.50
• Enterprise Value/Ebitda: 10.77
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $9.50 ▲(19.20% Upside)

The overall stock score reflects a balanced view of the company's strengths and challenges. Strong financial management and undervaluation are key positives, while declining revenues and mixed earnings call sentiment pose risks. Technical indicators suggest a cautious approach due to bearish trends.

Security National Financial Business Overview & Revenue Model

Company Description

Security National Financial Corporation engages in the life insurance, cemetery and mortuary, and mortgage businesses. The company's Life Insurance segment is involved in selling and servicing lines of life insurance, annuity products, and accident and health insurance. It offers various life insurance products, including funeral plans and interest-sensitive life insurance, as well as other traditional life, accident, and health insurance products; annuity products comprising single and flexible premium deferred annuities, and immediate annuities; and diver's accident policies. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its Cemetery and Mortuary segment operates eleven mortuaries and five cemeteries in Utah; one cemetery in California; and four mortuaries and one cemetery in New Mexico. This segment also offers plots, interment vaults, mausoleum crypts, markers, caskets, urns, and other death care related products; and provides professional services of funeral directors, opening and closing of graves, use of chapels and viewing rooms, and use of automobiles and clothing. The company's Mortgages segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Nevada, Texas, and Utah. It offers residential mortgage lending services to real estate brokers and builders, as well as directly with consumers. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.

How the Company Makes Money

Security National Financial Corporation generates revenue through multiple streams. Its life insurance segment earns money primarily from premiums collected from policyholders, which are invested to generate investment income. Additionally, the company offers annuities, which provide a steady income stream and also contribute to revenue through premium payments. In the mortgage segment, SNFCA earns money by originating loans and collecting fees for mortgage services, as well as through the sale of these loans on the secondary market. The company may also benefit from partnerships with financial institutions and real estate companies that facilitate its mortgage operations. Overall, a combination of premium income, investment returns, and mortgage fees constitutes the core of SNFCA's revenue model.

Security National Financial Financial Statement Overview

Summary

Security National Financial shows strengths in maintaining high gross profit margins and managing leverage effectively. However, challenges include declining revenue growth and reduced return on equity, which could impact future profitability. Cash flow remains a strong point, supporting the company's financial stability.

Income Statement

The income statement shows a strong gross profit margin consistently near 100%, indicating efficient cost management. However, the company has experienced a significant decline in revenue growth rate, particularly in the TTM period, with a decrease of 24.8%. Net profit margin has improved slightly in the TTM period compared to the previous year, but overall profitability is under pressure due to declining revenues.

Balance Sheet

The balance sheet reflects a stable financial position with a moderate debt-to-equity ratio of 0.35 in the TTM period, showing effective leverage management. Return on equity has decreased over time, indicating reduced profitability from shareholders' equity. The equity ratio remains healthy, suggesting a solid capital structure.

Cash Flow

Cash flow analysis reveals a strong operating cash flow to net income ratio in the TTM period, indicating robust cash generation relative to net income. Free cash flow growth has been positive, although it has slowed compared to previous years. The free cash flow to net income ratio remains high, demonstrating effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	252.85M	334.52M	318.50M	389.65M	468.67M	481.46M
Gross Profit	250.30M	334.52M	318.50M	389.65M	470.70M	481.46M
EBITDA	34.78M	47.14M	25.53M	42.21M	79.32M	97.32M
Net Income	22.63M	26.54M	14.50M	25.69M	39.52M	55.60M
Balance Sheet
Total Assets	1.54B	1.48B	1.43B	1.46B	1.55B	1.55B
Cash, Cash Equivalents and Short-Term Investments	116.11M	212.14M	163.36M	466.78M	390.64M	400.88M
Total Debt	122.93M	106.74M	105.56M	161.71M	251.29M	297.82M
Total Liabilities	1.19B	1.14B	1.12B	1.17B	1.25B	1.28B
Stockholders Equity	354.75M	338.78M	312.90M	292.79M	299.77M	263.99M
Cash Flow
Free Cash Flow	9.18B	54.85M	52.77M	128.85M	139.42M	-131.26M
Operating Cash Flow	9.63B	57.32M	53.88M	130.45M	144.64M	-129.63M
Investing Cash Flow	-29.37B	-43.13M	14.61M	-37.16M	-63.61M	36.14M
Financing Cash Flow	13.56M	-4.01M	-62.04M	-101.22M	-55.08M	71.21M

Security National Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 7.97
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SNFCA, the sentiment is Negative. The current price of 7.97 is below the 20-day moving average (MA) of 8.14, below the 50-day MA of 8.42, and below the 200-day MA of 9.67, indicating a bearish trend. The MACD of -0.12 indicates Positive momentum. The RSI at 41.41 is Neutral, neither overbought nor oversold. The STOCH value of 22.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SNFCA.

Security National Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFSI	71 Outperform	$6.59B	13.66	12.55%	0.99%	25.42%	190.85%
GHLD	70 Outperform	$1.24B	50.97	10.52%	―	28.67%	―
SNFCA	68 Neutral	$205.99M	9.06	6.65%	―	5.49%	4.30%
VEL	68 Neutral	$720.34M	7.88	16.05%	―	41.99%	27.50%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ECPG	57 Neutral	$945.78M	-10.97	-4.51%	―	10.85%	77.59%
LDI	49 Neutral	$876.95M	-7.46	-19.71%	―	13.91%	27.78%

Security National Financial Corporate Events

Security National Financial: Earnings Call Insights

The recent earnings call for Security National Financial painted a mixed picture of the company’s current standing and future prospects. While the company is facing significant challenges, particularly in terms of declining earnings and revenue in certain segments, there are also strategic initiatives underway aimed at bolstering future performance. The shift towards cremation services and the uptick in funeral home revenue are promising developments, though concerns remain regarding decreased cemetery operations revenue and rising personnel costs.

Security National Financial Reports Q2 2025 Earnings

Security National Financial Corporation, a diversified company operating in the life insurance, mortgage lending, and cemetery/mortuary sectors, has reported its financial results for the second quarter of 2025. The company continues to maintain a strong presence in its primary industries, leveraging its diversified business model to navigate market challenges.