(SNFCA) Security National Financial - Ratings and Ratios
Life, Cemetery, Mortuary, Loans
SNFCA EPS (Earnings per Share)
SNFCA Revenue
Description: SNFCA Security National Financial
Security National Financial Corporation is a multifaceted financial services company operating in the life insurance, cemetery and mortuary, and mortgage businesses. The companys diverse product offerings and services cater to various customer needs, from life insurance and annuity products to funeral services and mortgage lending.
The Life Insurance segment is a significant contributor, offering a range of products including funeral plans, interest-sensitive life insurance, and divers accident insurance policies. This segment also engages in reinsurance treaties with unaffiliated reinsurers, managing risk and expanding its capacity to underwrite new business.
The cemetery and mortuary segment operates a total of 11 mortuaries and 7 cemeteries across Utah, California, and New Mexico, providing a comprehensive range of death care related products and services. This includes plots, interment vaults, mausoleum crypts, markers, caskets, urns, and funeral directing services.
The Mortgages segment originates and underwrites residential and commercial loans, primarily in Florida, Nevada, Texas, and Utah, catering to real estate brokers, builders, and consumers. To evaluate the performance of this segment, key metrics such as loan origination volume, interest income, and delinquency rates are crucial.
From a financial perspective, Security National Financial Corporation has a market capitalization of $249.38M USD, with a price-to-earnings ratio of 10.33, indicating a relatively undervalued stock. The return on equity (RoE) is 0.03, suggesting room for improvement in generating profits from shareholder equity. To further assess the companys financial health, additional KPIs such as debt-to-equity ratio, interest coverage ratio, and asset growth rate would be essential.
To gain a more comprehensive understanding of Security National Financial Corporations performance, it would be beneficial to analyze key operating metrics, such as insurance premium growth, cemetery and mortuary sales revenue, and mortgage loan delinquency rates. Furthermore, evaluating the companys competitive positioning within its operating segments and assessing the management teams track record would provide valuable insights into its potential for future growth and profitability.
SNFCA Stock Overview
| Market Cap in USD | 228m |
| Sub-Industry | Commercial & Residential Mortgage Finance |
| IPO / Inception | 2001-01-02 |
SNFCA Stock Ratings
| Growth Rating | 34.2% |
| Fundamental | 43.6% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -7.88% |
| Analyst Rating | - |
SNFCA Dividends
Currently no dividends paidSNFCA Growth Ratios
| Growth Correlation 3m | -68.7% |
| Growth Correlation 12m | -12.1% |
| Growth Correlation 5y | 57% |
| CAGR 5y | 12.75% |
| CAGR/Max DD 5y | 0.33 |
| Sharpe Ratio 12m | 0.57 |
| Alpha | -15.59 |
| Beta | 1.422 |
| Volatility | 42.30% |
| Current Volume | 79.1k |
| Average Volume 20d | 31.4k |
| Stop Loss | 8.5 (-5.6%) |
| Signal | 1.19 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (22.6m TTM) > 0 and > 6% of Revenue (6% = 15.2m TTM) |
| FCFTA 0.0 (>2.0%) and ΔFCFTA -4.02pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 55.01% (prev 39.43%; Δ 15.58pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 51.1m > Net Income 22.6m (YES >=105%, WARN >=100%) |
| Net Debt (43.6m) to EBITDA (28.1m) ratio: 1.55 <= 3.0 (WARN <= 3.5) |
| Current Ratio 23.32 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (25.5m) change vs 12m ago 1.84% (target <= -2.0% for YES) |
| Gross Margin 98.14% (prev 60.93%; Δ 37.21pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 16.83% (prev 22.04%; Δ -5.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 5.76 (EBITDA TTM 28.1m / Interest Expense TTM 4.57m) >= 6 (WARN >= 3) |
Altman Z'' 1.42
| (A) 0.09 = (Total Current Assets 145.3m - Total Current Liabilities 6.23m) / Total Assets 1.54b |
| (B) 0.15 = Retained Earnings (Balance) 225.0m / Total Assets 1.54b |
| (C) 0.02 = EBIT TTM 26.3m / Avg Total Assets 1.50b |
| (D) 0.23 = Book Value of Equity 268.0m / Total Liabilities 1.19b |
| Total Rating: 1.42 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 43.59
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield data missing |
| 3. FCF Margin data missing |
| 4. Debt/Equity 0.36 = 2.43 |
| 5. Debt/Ebitda 4.60 = -2.50 |
| 6. ROIC - WACC -3.04% = -3.79 |
| 7. RoE 6.53% = 0.54 |
| 8. Rev. Trend -50.06% = -2.50 |
| 9. Rev. CAGR -72.63% = -2.50 |
| 10. EPS Trend -3.56% = -0.09 |
| 11. EPS CAGR 73.92% = 2.50 |
What is the price of SNFCA shares?
Over the past week, the price has changed by -0.33%, over one month by +4.29%, over three months by -6.44% and over the past year by +7.75%.
Is Security National Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SNFCA is around 7.95 USD . This means that SNFCA is currently overvalued and has a potential downside of -11.67%.
Is SNFCA a buy, sell or hold?
What are the forecasts/targets for the SNFCA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 8.8 | -2.4% |
Last update: 2025-08-23 04:49
SNFCA Fundamental Data Overview
CCE Cash And Equivalents = 116.1m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 9.382
P/S = 0.6704
P/B = 0.6421
Beta = 0.836
Revenue TTM = 252.9m USD
EBIT TTM = 26.3m USD
EBITDA TTM = 28.1m USD
Long Term Debt = 122.9m USD (from longTermDebt, last quarter)
Short Term Debt = 6.23m USD (from totalCurrentLiabilities, last quarter)
Debt = 129.2m USD (Calculated: Short Term 6.23m + Long Term 122.9m)
Net Debt = 43.6m USD (from netDebt column, last quarter)
Enterprise Value = 240.9m USD (227.8m + Debt 129.2m - CCE 116.1m)
Interest Coverage Ratio = 5.76 (Ebit TTM 26.3m / Interest Expense TTM 4.57m)
FCF Yield = none (FCF TTM 0.0 / Enterprise Value 240.9m)
FCF Margin = unknown (0.0 / 252851522.0)
Net Margin = 8.95% (Net Income TTM 22.6m / Revenue TTM 252.9m)
Gross Margin = 98.14% ((Revenue TTM 252.9m - Cost of Revenue TTM 4.70m) / Revenue TTM)
Tobins Q-Ratio = 0.90 (Enterprise Value 240.9m / Book Value Of Equity 268.0m)
Interest Expense / Debt = 1.00% (Interest Expense 1.29m / Debt 129.2m)
Taxrate = 22.19% (from yearly Income Tax Expense: 7.57m / 34.1m)
NOPAT = 20.5m (EBIT 26.3m * (1 - 22.19%))
Current Ratio = 23.32 (Total Current Assets 145.3m / Total Current Liabilities 6.23m)
Debt / Equity = 0.36 (Debt 129.2m / last Quarter total Stockholder Equity 354.8m)
Debt / EBITDA = 4.60 (Net Debt 43.6m / EBITDA 28.1m)
Debt / FCF = none (Debt 129.2m / FCF TTM 0.0)
Total Stockholder Equity = 346.6m (last 4 quarters mean)
RoA = 1.47% (Net Income 22.6m, Total Assets 1.54b )
RoE = 6.53% (Net Income TTM 22.6m / Total Stockholder Equity 346.6m)
RoCE = 5.60% (Ebit 26.3m / (Equity 346.6m + L.T.Debt 122.9m))
RoIC = 4.43% (NOPAT 20.5m / Invested Capital 461.4m)
WACC = 7.47% (E(227.8m)/V(357.0m) * Re(11.26%)) + (D(129.2m)/V(357.0m) * Rd(1.00%) * (1-Tc(0.22)))
Shares Correlation 5-Years: 0.0 | Cagr: 1.34%
Discount Rate = 11.26% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow 0.0)
Revenue Correlation: -50.06 | Revenue CAGR: -72.63%
Rev Growth-of-Growth: -51.66
EPS Correlation: -3.56 | EPS CAGR: 73.92%
EPS Growth-of-Growth: -88.69
Additional Sources for SNFCA Stock
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