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Security National Financial (SNFCA) Financials

Security National Financial logo
$9.98 +0.26 (+2.67%)
Closing price 04:00 PM Eastern
Extended Trading
$9.96 -0.02 (-0.15%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Security National Financial

Annual Income Statements for Security National Financial

This table shows Security National Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 15 -272 14 22 11 56 40 26 14 29 32
Consolidated Net Income / (Loss)		 13 12 14 22 11 56 40 26 14 29 32
Net Income / (Loss) Continuing Operations		 15 -272 14 22 11 56 40 26 14 29 32
Total Pre-Tax Income 		21 20 7.53 26 14 71 52 34 16 37 41
Total Revenue		 277 300 271 273 276 473 464 382 314 330 340
Net Interest Income / (Expense)		 -4.46 -5.11 -6.04 -6.96 -7.39 -8.58 -7.13 -7.83 -4.87 -4.25 -4.52
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 4.46 5.11 6.04 6.96 7.39 8.58 7.13 7.83 4.87 4.25 4.52
Long-Term Debt Interest Expense		 4.46 5.11 6.04 6.96 7.39 8.58 7.13 7.83 4.87 4.25 4.52
Total Non-Interest Income		 282 305 277 280 283 481 471 390 318 335 345
Other Service Charges		 177 196 163 126 142 310 282 192 102 112 112
Net Realized & Unrealized Capital Gains on Investments		 49 44 44 78 59 78 88 92 102 103 113
Premiums Earned		 56 65 70 76 82 93 100 105 115 120 120
Total Non-Interest Expense		 251 562 263 246 262 385 412 347 297 293 299
Salaries and Employee Benefits		 81 159 138 118 121 209 219 163 123 132 134
Net Occupancy & Equipment Expense		 7.85 8.45 8.71 7.61 7.06 6.87 7.24 6.88 6.86 5.15 3.76
Marketing Expense		 5.73 6.43 5.75 4.60 4.78 5.38 6.63 5.70 3.71 3.12 3.51
Property & Liability Insurance Claims		 - - - - - 3.80 3.97 4.69 4.61 101 101
Amortization of Deferred Policy Acquisition Costs		 5.64 8.00 8.48 12 15 14 16 18 18 11 12
Other Operating Expenses		 99 39 40 40 44 60 67 58 43 39 42
Depreciation Expense		 - 2.18 2.22 - 1.71 2.08 1.94 2.50 2.35 2.38 2.43
Income Tax Expense		 7.66 7.51 -6.58 4.49 3.05 16 12 8.69 1.81 8.25 9.26
Basic Earnings per Share		 $0.92 $0.78 $0.84 $1.21 $0.59 $2.81 $1.87 $1.16 $0.63 $1.19 $1.30
Weighted Average Basic Shares Outstanding		 14.44M 15.58M 16.79M 17.97M 18.56M 19.79M 21.15M 22.19M 23.19M 24.49M 24.73M
Diluted Earnings per Share		 $0.89 $0.77 $0.82 $1.19 $0.58 $2.74 $1.80 $1.12 $0.61 $1.16 $1.26
Weighted Average Diluted Shares Outstanding		 14.95M 15.91M 17.12M 18.19M 18.69M 20.25M 21.96M 23.04M 23.81M 25.19M 25.48M
Weighted Average Basic & Diluted Shares Outstanding		 13.72M 15.72M 16.66M 17.50M 18.63M 19.30M 20.56M 21.70M 23.02M 24.69M 26.02M

Quarterly Income Statements for Security National Financial

This table shows Security National Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 4.04 2.86 7.47 7.27 12 -0.04 6.41 6.51 7.82 13 7.00
Consolidated Net Income / (Loss)		 4.04 2.86 7.47 7.27 12 -0.04 6.41 6.51 7.82 13 7.00
Net Income / (Loss) Continuing Operations		 4.04 2.86 7.47 7.27 12 -0.04 6.41 6.51 7.82 13 7.00
Total Pre-Tax Income 		5.16 1.41 9.62 9.39 15 -0.12 8.25 8.34 10 17 9.05
Total Revenue		 79 74 80 85 87 78 82 88 88 82 79
Net Interest Income / (Expense)		 -1.15 -0.85 -1.03 -1.07 -1.06 -1.09 -1.12 -1.29 -1.07 -1.04 -1.00
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 1.15 0.85 1.03 1.07 1.06 1.09 1.12 1.29 1.07 1.04 1.00
Long-Term Debt Interest Expense		 1.15 0.85 1.03 1.07 1.06 1.09 1.12 1.29 1.07 1.04 1.00
Total Non-Interest Income		 80 75 81 86 88 79 83 90 89 83 80
Other Service Charges		 26 22 23 30 32 27 26 30 30 26 24
Net Realized & Unrealized Capital Gains on Investments		 26 24 29 25 26 23 20 29 29 27 19
Premiums Earned		 29 29 30 30 30 30 30 30 30 30 29
Other Non-Interest Income		 - - - - - - 7.30 - - - 7.73
Total Non-Interest Expense		 74 73 71 75 72 78 73 80 78 65 70
Salaries and Employee Benefits		 31 29 28 34 34 36 33 36 35 31 29
Net Occupancy & Equipment Expense		 1.68 1.57 1.40 1.30 1.38 1.07 0.99 0.94 0.95 0.89 0.82
Marketing Expense		 0.99 0.85 0.69 0.79 0.91 0.73 0.82 0.94 0.98 0.77 0.74
Property & Liability Insurance Claims		 1.47 1.06 1.22 1.04 1.19 1.13 25 1.23 1.37 97 25
Amortization of Deferred Policy Acquisition Costs		 4.48 4.41 4.74 4.30 2.29 4.61 2.80 5.74 5.53 -4.31 2.98
Other Operating Expenses		 9.86 12 9.01 9.77 9.00 11 10 11 11 11 11
Depreciation Expense		 0.59 0.59 0.59 0.59 0.61 0.59 0.62 0.60 0.61 0.60 0.58
Income Tax Expense		 1.12 -1.45 2.14 2.12 3.38 -0.08 1.84 1.83 2.34 3.86 2.05
Basic Earnings per Share		 $0.17 $0.13 $0.32 $0.30 $0.48 ($0.02) $0.26 $0.26 $0.32 $0.54 $0.28
Weighted Average Basic Shares Outstanding		 23.17M 23.19M 23.33M 24.47M 24.42M 23.31M 24.70M 24.77M 24.71M 24.73M 24.82M
Diluted Earnings per Share		 $0.17 $0.12 $0.31 $0.29 $0.47 ($0.01) $0.25 $0.25 $0.31 $0.52 $0.27
Weighted Average Diluted Shares Outstanding		 23.98M 23.81M 24.09M 25.08M 25.27M 23.98M 25.69M 25.53M 25.40M 25.48M 25.54M
Weighted Average Basic & Diluted Shares Outstanding		 22.98M 23.02M 23.03M 24.22M 24.28M 24.69M 24.74M 25.98M 25.99M 26.02M 26.04M

Annual Cash Flow Statements for Security National Financial

This table details how cash moves in and out of Security National Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 9.20 -1.07 7.56 96 -13 -22 26 -7.93 6.44 10 -36
Net Cash From Operating Activities		 -28 36 5,386 195 -76 -130 145 130 54 57 46
Net Cash From Continuing Operating Activities		 165 6,378 44 7.01 -76 -130 145 130 54 57 46
Net Income / (Loss) Continuing Operations		 0.00 0.00 14 22 11 56 40 26 14 29 32
Consolidated Net Income / (Loss)		 - - 14 22 11 56 40 26 14 29 32
Provision For Loan Losses		 0.52 1.19 1.15 0.38 1.20 1.58 0.97 1.33 1.96 0.06 2.06
Depreciation Expense		 5.02 5.58 6.28 5.46 5.18 5.45 5.54 8.60 8.64 8.17 8.16
Amortization Expense		 1.07 3.06 12 16 21 25 15 26 16 9.10 9.08
Non-Cash Adjustments to Reconcile Net Income		 -109 6,345 5,211 41 -35 -244 105 54 8.60 -0.41 -23
Changes in Operating Assets and Liabilities, net		 -7.34 23 142 111 -79 27 -21 15 3.70 11 17
Net Cash From Investing Activities		 15 -56 -39 63 38 36 -64 -37 15 -43 -67
Net Cash From Continuing Investing Activities		 16 -49 1,104 68 38 36 -64 -37 15 -43 -67
Purchase of Property, Leasehold Improvements and Equipment		 -3.63 -3.57 -0.91 -1.28 -1.84 -1.63 -5.22 -1.60 -1.11 -2.47 -1.69
Purchase of Investment Securities		 -468 -531 -570 -575 -696 -790 -964 -929 -750 -892 -1,003
Sale of Property, Leasehold Improvements and Equipment		 2.90 0.05 0.02 2.02 0.05 0.19 0.00 0.07 0.00 0.37 0.08
Sale and/or Maturity of Investments		 460 485 532 640 756 830 906 894 766 851 937
Net Cash From Financing Activities		 22 19 2.21 26 24 71 -55 -101 -62 -4.01 -14
Net Cash From Continuing Financing Activities		 -2.63 19 62 25 24 71 -55 -101 -62 -4.01 -14
Issuance of Debt		 14 15 20 164 197 165 107 60 69 2.86 63
Repayment of Debt		 -1.97 -1.68 -2.80 -133 -237 -175 -69 -50 -70 -18 -87
Repurchase of Common Equity		 -0.18 - -0.38 -0.22 -1.54 -2.97 -5.77 -7.66 -2.85 -3.05 -1.61
Other Financing Activities, Net		 10 6.17 -14 -4.45 66 84 -87 -103 -58 14 12
Cash Interest Paid		 4.35 5.12 5.98 6.88 7.28 8.39 7.29 7.70 5.14 4.20 4.54
Cash Income Taxes Paid		 2.72 2.67 0.58 5.70 4.86 12 5.13 0.73 20 8.23 6.54

Quarterly Cash Flow Statements for Security National Financial

This table details how cash moves in and out of Security National Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 25 -7.20 25 -7.87 32 -39 -4.81 -53 22 -0.53 48
Net Cash From Operating Activities		 16 35 25 -17 27 22 9.59 -7.68 26 18 33
Net Cash From Continuing Operating Activities		 - 54 0.00 - -0.98 58 -0.23 - -0.74 46 -0.38
Net Income / (Loss) Continuing Operations		 - 14 0.00 - - 27 0.00 - - 32 0.00
Non-Cash Adjustments to Reconcile Net Income		 - - - - - -1.72 -0.23 - - -22 -0.38
Net Cash From Investing Activities		 5.17 -39 1.70 12 2.42 -59 -29 -43 -2.07 7.31 7.71
Net Cash From Continuing Investing Activities		 5.48 -39 1.70 12 2.42 -59 -29 -43 -2.07 7.31 7.71
Purchase of Property, Leasehold Improvements and Equipment		 -0.26 -0.32 -0.26 -0.17 -0.15 -1.89 -0.44 -0.44 -0.71 -0.10 -0.19
Purchase of Investment Securities		 -177 -207 -193 -237 -218 -244 -265 -279 -235 -224 -229
Sale of Property, Leasehold Improvements and Equipment		 -0.01 - 0.07 0.31 -0.01 0.00 0.00 - 0.00 0.07 0.00
Sale and/or Maturity of Investments		 182 168 195 249 220 187 236 237 233 231 237
Net Cash From Financing Activities		 4.11 -3.58 -2.15 -2.58 3.04 -2.32 15 -2.03 -1.34 -26 7.33
Net Cash From Continuing Financing Activities		 4.11 -3.58 -2.15 -2.58 3.04 -2.32 15 -2.03 -1.34 -26 7.33
Issuance of Debt		 2.50 - -0.77 0.77 - - 17 15 37 -6.41 11
Repayment of Debt		 -0.48 -0.47 -0.47 -0.47 -0.48 -0.51 -4.60 -18 -32 -38 -5.23
Repurchase of Common Equity		 -0.25 -0.00 -0.04 -1.59 -0.04 -1.38 -0.24 -0.96 -0.40 -0.01 -0.79
Other Financing Activities, Net		 2.34 -3.11 -0.87 -1.29 3.57 -0.44 3.15 1.01 -6.43 18 2.55
Cash Interest Paid		 1.13 0.95 1.02 1.08 1.02 1.07 1.10 1.32 1.07 1.04 0.99
Cash Income Taxes Paid		 1.45 1.49 0.00 3.02 3.85 1.35 0.00 2.23 2.32 1.99 0.02

Annual Balance Sheets for Security National Financial

This table presents Security National Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 840 952 982 1,051 1,334 1,549 1,548 1,461 1,431 1,494 1,562
Cash and Due from Banks		 40 39 45 142 128 106 131 121 127 141 102
Trading Account Securities		 154 195 234 238 363 306 271 358 395 382 401
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 211 189 133 136 213 423 303 141 127 131 156
Accrued Investment Income		 2.55 2.97 3.64 3.57 4.83 5.36 6.31 10 10 8.50 9.05
Premises and Equipment, Net		 137 165 159 138 127 153 228 221 212 227 244
Mortgage Servicing Rights		 125 168 226 206 254 249 277 308 276 302 322
Deferred Acquisition Cost		 59 69 81 89 95 100 105 109 116 127 136
Goodwill		 2.77 2.77 2.77 2.77 3.52 3.52 5.25 5.25 5.25 5.25 5.25
Other Assets		 95 109 97 94 130 203 221 188 163 170 186
Total Liabilities & Shareholders' Equity		 840 952 982 1,051 1,334 1,549 1,548 1,461 1,431 1,494 1,562
Total Liabilities		 723 820 834 879 1,138 1,285 1,248 1,168 1,118 1,113 1,151
Other Short-Term Payables		 - 4.21 - - - - 10 5.36 2.94 2.94 4.15
Long-Term Debt		 131 152 157 188 218 298 251 162 106 107 98
Future Policy Benefits		 516 584 605 620 826 845 863 889 916 752 800
Unearned Premiums Liability		 4.74 4.47 4.22 3.92 3.62 3.33 3.06 2.77 2.54 2.01 1.82
Participating Policy Holder Equity		 - - - - - - - - - 143 141
Other Long-Term Liabilities		 68 75 67 67 91 139 120 109 91 106 107
Total Equity & Noncontrolling Interests		 118 133 149 172 197 264 300 293 313 382 410
Total Preferred & Common Equity		 118 133 149 172 197 264 300 293 313 382 410
Preferred Stock		 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 118 133 149 172 197 264 300 293 313 382 410
Common Stock		 60 66 71 77 83 89 99 108 118 129 142
Retained Earnings		 61 67 78 95 101 154 185 202 207 228 249
Treasury Stock		 -2.18 -1.37 -0.93 -0.21 -1.58 -1.83 -1.85 -4.37 -5.66 -8.48 -9.09
Accumulated Other Comprehensive Income / (Loss)		 -0.50 0.26 0.60 -0.00 14 23 18 -13 -6.89 34 29

Quarterly Balance Sheets for Security National Financial

This table presents Security National Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,414 1,447 1,461 1,495 1,524 1,544 1,563 1,581
Cash and Due from Banks		 135 151 144 171 133 79 100 150
Trading Account Securities		 369 391 364 363 387 407 407 386
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 153 113 150 143 140 166 159 138
Accrued Investment Income		 12 8.96 8.84 7.86 9.57 9.66 9.75 9.60
Premises and Equipment, Net		 213 212 216 228 232 242 246 264
Mortgage Servicing Rights		 249 269 284 282 319 324 329 305
Deferred Acquisition Cost		 114 118 119 122 124 123 122 138
Goodwill		 5.25 5.25 5.25 5.25 5.25 5.25 5.25 5.25
Other Assets		 163 179 169 174 174 187 183 186
Total Liabilities & Shareholders' Equity		 1,414 1,447 1,461 1,495 1,524 1,544 1,563 1,581
Total Liabilities		 1,116 1,126 1,135 1,149 1,178 1,189 1,198 1,155
Other Short-Term Payables		 2.98 3.56 3.30 3.25 4.98 6.23 5.54 4.07
Long-Term Debt		 108 104 104 107 123 123 123 109
Future Policy Benefits		 909 923 931 938 953 959 966 791
Unearned Premiums Liability		 2.61 2.49 2.44 2.05 1.97 1.91 1.86 1.78
Participating Policy Holder Equity		 - - - - - - - 139
Other Long-Term Liabilities		 93 93 95 98 95 99 101 111
Total Equity & Noncontrolling Interests		 298 320 326 346 346 355 365 426
Total Preferred & Common Equity		 298 320 326 346 346 355 365 426
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 298 320 326 346 346 355 365 426
Common Stock		 118 119 127 127 129 141 141 142
Retained Earnings		 204 214 214 225 230 225 233 256
Treasury Stock		 -6.09 -5.34 -6.67 -6.49 -8.73 -9.49 -9.71 -9.55
Accumulated Other Comprehensive Income / (Loss)		 -18 -7.78 -8.30 -0.04 -3.95 -1.83 0.83 37

Annual Metrics And Ratios for Security National Financial

This table displays calculated financial ratios and metrics derived from Security National Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 13,988,504.00 14,860,679.00 15,825,105.00 16,665,065.00 17,581,466.00 19,163,124.00 17,596,665.00 21,612,718.00 22,979,870.00 - 25,985,569.00
DEI Adjusted Shares Outstanding		 13,988,504.00 14,860,679.00 15,825,105.00 16,665,065.00 17,581,466.00 19,163,124.00 17,596,665.00 21,612,718.00 22,979,870.00 - 25,985,569.00
DEI Earnings Per Adjusted Shares Outstanding		 0.95 0.82 0.89 1.30 0.62 2.90 2.25 1.19 0.63 - 1.24
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 24.61% 8.18% -9.63% 0.65% 1.10% 71.54% -1.97% -17.63% -17.86% 5.30% 2.97%
EBITDA Growth		 45.69% -1,003.23% 110.15% 82.67% -15.83% 154.99% -29.13% -4.39% -39.97% 37.24% 7.32%
EBIT Growth		 58.12% -1,289.63% 102.85% 247.58% -46.74% 412.41% -27.50% -33.64% -52.58% 109.22% 10.80%
NOPAT Growth		 62.49% -8.71% 15.79% 53.66% -49.77% 410.36% -28.92% -34.99% -43.58% 83.07% 10.42%
Net Income Growth		 62.49% -8.71% 15.79% 53.66% -49.77% 410.36% -28.92% -34.99% -43.58% 83.07% 10.42%
EPS Growth		 56.14% -13.48% 6.49% 45.12% -51.26% 372.41% -34.31% -37.78% -45.54% 81.97% 8.62%
Operating Cash Flow Growth		 -125.56% 226.40% 15,057.41% -96.38% -138.77% -71.46% 211.58% -9.81% -58.70% 6.39% -20.55%
Free Cash Flow Firm Growth		 -851.25% 82.01% 64.48% -338.89% -39.30% -108.66% 154.69% 143.14% -58.65% -101.06% 129.30%
Invested Capital Growth		 100.00% 12.88% 7.49% 17.42% 15.29% 35.61% -1.91% -17.52% -7.93% 6.47% 4.12%
Revenue Q/Q Growth		 2.46% 1.94% -4.31% 0.45% 6.13% 14.19% -5.02% -1.00% -9.27% 1.26% 1.12%
EBITDA Q/Q Growth		 26.65% -104.59% 109.90% -71.02% 282.66% 46.75% 9.52% 362.23% -9.54% 49.53% 122.52%
EBIT Q/Q Growth		 -0.59% -111.50% 102.87% -84.00% 33.63% 2.98% -21.37% 175.10% -62.44% -4.29% 72.97%
NOPAT Q/Q Growth		 -4.10% -15.84% 139.47% -29.70% 27.62% 4.60% 2.68% 162.36% -55.91% -9.86% 72.70%
Net Income Q/Q Growth		 -4.10% -15.85% 139.47% -29.70% 27.62% 4.60% 2.68% 162.36% -55.91% -9.86% 72.70%
EPS Q/Q Growth		 -4.30% -16.30% 148.48% -33.52% 52.63% 4.18% 1.12% 80.65% -49.59% -12.60% 61.54%
Operating Cash Flow Q/Q Growth		 46.48% 622.86% 22,412.06% -96.38% -157.21% 26.90% -11.73% 4.31% 36.34% -18.56% -8.88%
Free Cash Flow Firm Q/Q Growth		 -495.47% -240.52% -101.01% 96.39% 32.34% 50.50% -68.49% 23.04% -47.83% 96.94% 172.72%
Invested Capital Q/Q Growth		 69.46% 68.18% 156.77% -2.48% -6.29% -17.50% -1.58% -3.37% 2.98% -1.72% 4.15%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 10.22% -85.32% 9.59% 17.40% 14.48% 21.53% 15.56% 18.07% 13.20% 17.21% 17.24%
EBIT Margin		 8.02% -88.20% 2.78% 9.60% 5.06% 15.11% 11.17% 9.00% 5.20% 10.33% 12.18%
Profit (Net Income) Margin		 4.82% 4.07% 5.21% 7.95% 3.95% 11.76% 8.53% 6.73% 4.62% 8.03% 9.45%
Tax Burden Percent		 63.54% 61.86% 187.37% 82.83% 78.12% 77.81% 76.29% 74.73% 88.92% 77.81% 77.64%
Interest Burden Percent		 94.55% -7.45% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 36.46% 38.14% -87.37% 17.17% 21.88% 22.19% 23.71% 25.27% 11.08% 22.19% 22.36%
Return on Invested Capital (ROIC)		 7.06% 4.54% 4.78% 6.52% 2.82% 11.39% 7.10% 5.11% 3.32% 6.14% 6.45%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.06% 4.54% 4.78% 6.52% 2.82% 11.39% 7.10% 5.11% 3.32% 6.14% 6.45%
Return on Net Nonoperating Assets (RNNOA)		 5.37% 5.20% 5.26% 7.02% 3.10% 12.74% 6.92% 3.56% 1.47% 2.00% 1.67%
Return on Equity (ROE)		 12.43% 9.74% 10.04% 13.54% 5.91% 24.14% 14.02% 8.67% 4.79% 8.14% 8.12%
Cash Return on Invested Capital (CROIC)		 -59.61% -7.56% -2.44% -9.51% -11.39% -18.84% 9.04% 24.31% 11.58% -0.12% 2.41%
Operating Return on Assets (OROA)		 2.94% -29.49% 0.78% 2.58% 1.17% 4.96% 3.35% 2.29% 1.13% 2.34% 2.71%
Return on Assets (ROA)		 1.77% 1.36% 1.46% 2.13% 0.91% 3.86% 2.55% 1.71% 1.00% 1.82% 2.10%
Return on Common Equity (ROCE)		 12.43% 9.74% 10.04% 13.54% 5.91% 24.14% 14.02% 8.67% 4.79% 8.14% 8.12%
Return on Equity Simple (ROE_SIMPLE)		 11.34% 9.19% 9.50% 12.62% 5.54% 21.06% 13.18% 8.77% 4.63% 7.83% 7.84%
Net Operating Profit after Tax (NOPAT)		 13 12 14 22 11 56 40 26 14 27 32
NOPAT Margin		 4.82% 4.07% 5.21% 7.95% 3.95% 11.76% 8.53% 6.73% 4.62% 8.03% 9.45%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 34.10% 57.97% 56.44% 47.63% 48.18% 46.88% 50.24% 46.10% 42.61% 42.49% 41.60%
Operating Expenses to Revenue		 90.74% 187.63% 97.22% 90.40% 94.94% 81.40% 88.83% 91.00% 94.80% 89.67% 87.82%
Earnings before Interest and Taxes (EBIT)		 22 -264 7.53 26 14 71 52 34 16 34 41
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 28 -256 26 47 40 102 72 69 41 57 59
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.49 0.48 0.39 0.36 0.40 0.50 0.47 0.49 0.63 0.86 0.57
Price to Tangible Book Value (P/TBV)		 0.50 0.49 0.40 0.37 0.41 0.51 0.47 0.50 0.64 0.88 0.58
Price to Revenue (P/Rev)		 0.21 0.21 0.21 0.23 0.29 0.28 0.30 0.37 0.63 0.88 0.69
Price to Earnings (P/E)		 3.96 0.00 4.08 2.89 7.22 2.37 3.54 5.57 13.59 11.01 7.28
Dividend Yield		 7.27% 7.52% 9.62% 5.77% 5.77% 6.66% 5.33% 12.75% 4.98% 3.21% 5.26%
Earnings Yield		 25.27% 0.00% 24.50% 34.64% 13.86% 42.23% 28.26% 17.95% 7.36% 9.09% 13.73%
Enterprise Value to Invested Capital (EV/IC)		 0.60 0.62 0.55 0.30 0.41 0.58 0.47 0.40 0.42 0.58 0.45
Enterprise Value to Revenue (EV/Rev)		 0.55 0.59 0.63 0.40 0.61 0.68 0.56 0.48 0.56 0.78 0.68
Enterprise Value to EBITDA (EV/EBITDA)		 5.37 0.00 6.54 2.27 4.22 3.17 3.60 2.67 4.24 4.54 3.93
Enterprise Value to EBIT (EV/EBIT)		 6.84 0.00 22.54 4.12 12.08 4.52 5.02 5.35 10.77 7.57 5.56
Enterprise Value to NOPAT (EV/NOPAT)		 11.39 14.52 12.03 4.98 15.46 5.81 6.57 7.16 12.11 9.73 7.16
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 4.98 0.03 0.55 0.00 0.00 1.80 1.41 3.26 4.51 5.06
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 5.17 1.50 3.47 0.00 19.13
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.14 1.15 1.06 1.09 1.11 1.13 0.84 0.55 0.34 0.32 0.24
Long-Term Debt to Equity		 1.11 1.15 1.06 1.09 1.11 1.13 0.84 0.55 0.34 0.32 0.24
Financial Leverage		 0.76 1.15 1.10 1.08 1.10 1.12 0.97 0.70 0.44 0.33 0.26
Leverage Ratio		 7.04 7.16 6.88 6.35 6.47 6.26 5.49 5.08 4.77 4.48 3.86
Compound Leverage Factor		 6.65 -0.53 6.88 6.35 6.47 6.26 5.49 5.08 4.77 4.48 3.86
Debt to Total Capital		 53.33% 53.44% 51.45% 52.19% 52.52% 53.01% 45.60% 35.58% 25.23% 23.96% 19.34%
Short-Term Debt to Total Capital		 1.39% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 51.94% 53.44% 51.45% 52.19% 52.52% 53.01% 45.60% 35.58% 25.23% 23.96% 19.34%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 46.67% 46.56% 48.55% 47.81% 47.48% 46.99% 54.40% 64.42% 74.77% 76.04% 80.66%
Debt to EBITDA		 4.75 -0.59 6.06 3.95 5.45 2.93 3.48 2.34 2.55 1.88 1.68
Net Debt to EBITDA		 3.34 -0.44 4.32 0.96 2.25 1.88 1.66 0.59 -0.52 -0.59 -0.07
Long-Term Debt to EBITDA		 4.63 -0.59 6.06 3.95 5.45 2.93 3.48 2.34 2.55 1.88 1.68
Debt to NOPAT		 10.07 12.48 11.16 8.65 19.97 5.36 6.36 6.29 7.28 4.02 3.06
Net Debt to NOPAT		 7.07 9.28 7.95 2.09 8.25 3.45 3.03 1.59 -1.48 -1.27 -0.12
Long-Term Debt to NOPAT		 9.81 12.48 11.16 8.65 19.97 5.36 6.36 6.29 7.28 4.02 3.06
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -113 -20 -7.21 -32 -44 -92 50 122 51 -0.54 12
Operating Cash Flow to CapEx		 -3,833.46% 1,009.74% 607,902.02% 0.00% -4,235.89% -9,028.35% 2,770.89% 8,520.90% 4,853.89% 2,723.89% 2,818.85%
Free Cash Flow to Firm to Interest Expense		 -25.29 -3.97 -1.19 -4.55 -5.96 -10.72 7.05 15.61 10.39 -0.13 2.66
Operating Cash Flow to Interest Expense		 -6.31 6.95 892.15 28.03 -10.23 -15.11 20.29 16.66 11.07 13.47 10.08
Operating Cash Flow Less CapEx to Interest Expense		 -6.47 6.26 892.00 28.14 -10.48 -15.28 19.56 16.46 10.85 12.98 9.72
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.37 0.33 0.28 0.27 0.23 0.33 0.30 0.25 0.22 0.23 0.22
Fixed Asset Turnover		 2.05 1.99 1.67 1.83 2.08 3.38 2.43 1.70 1.45 1.50 1.44
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 252 285 306 359 414 562 551 454 418 446 509
Invested Capital Turnover		 1.46 1.12 0.92 0.82 0.71 0.97 0.83 0.76 0.72 0.76 0.68
Increase / (Decrease) in Invested Capital		 126 32 21 53 55 148 -11 -97 -36 27 20
Enterprise Value (EV)		 152 177 170 108 168 323 260 184 176 258 230
Market Capitalization		 58 64 58 63 79 132 140 143 197 292 234
Book Value per Share		 $8.42 $8.92 $9.39 $10.31 $11.19 $13.78 $17.04 $13.55 $13.62 $13.96 $15.79
Tangible Book Value per Share		 $8.22 $8.73 $9.21 $10.14 $10.99 $13.59 $16.74 $13.30 $13.39 $13.74 $15.59
Total Capital		 252 285 306 359 414 562 551 454 418 446 509
Total Debt		 135 152 157 188 218 298 251 162 106 107 98
Total Long-Term Debt		 131 152 157 188 218 298 251 162 106 107 98
Net Debt		 94 113 112 45 90 192 120 41 -21 -34 -3.87
Capital Expenditures (CapEx)		 0.73 3.52 0.89 -0.73 1.78 1.44 5.22 1.53 1.11 2.10 1.62
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 135 152 157 188 218 298 251 162 106 107 98
Total Depreciation and Amortization (D&A)		 6.09 8.64 18 21 26 30 20 35 25 23 17
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.92 $0.96 $0.88 $1.27 $0.60 $2.95 $1.96 $1.22 $0.66 $1.14 $1.30
Adjusted Weighted Average Basic Shares Outstanding		 13.72M 14.81M 15.97M 17.11M 18.10M 18.83M 20.15M 21.14M 22.08M 23.31M 24.73M
Adjusted Diluted Earnings per Share		 $0.89 $0.94 $0.87 $1.25 $0.60 $2.88 $1.89 $1.17 $0.64 $1.11 $1.26
Adjusted Weighted Average Diluted Shares Outstanding		 14.21M 15.13M 16.29M 17.32M 18.23M 19.28M 20.93M 21.95M 22.68M 23.98M 25.48M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.60 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.85M 15.72M 16.66M 17.50M 18.63M 19.30M 20.56M 21.70M 23.02M 24.69M 26.02M
Normalized Net Operating Profit after Tax (NOPAT)		 13 12 5.27 22 11 56 40 26 14 27 32
Normalized NOPAT Margin		 4.82% 4.07% 1.95% 7.95% 3.95% 11.76% 8.53% 6.73% 4.62% 8.03% 9.45%
Pre Tax Income Margin		 7.58% 6.57% 2.78% 9.60% 5.06% 15.11% 11.17% 9.00% 5.20% 10.33% 12.18%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.98 -51.72 1.25 3.76 1.89 8.33 7.27 4.39 3.35 8.02 9.16
NOPAT to Interest Expense		 2.99 2.38 2.34 3.12 1.47 6.48 5.54 3.28 2.98 6.24 7.12
EBIT Less CapEx to Interest Expense		 4.82 -52.41 1.10 3.87 1.65 8.16 6.54 4.19 3.12 7.52 8.81
NOPAT Less CapEx to Interest Expense		 2.83 1.70 2.19 3.22 1.23 6.31 4.81 3.09 2.75 5.74 6.76
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 1.36% 0.00% 2.71% 0.99% 14.14% 5.34% 14.60% 29.83% 19.64% 11.51% 5.01%

Quarterly Metrics And Ratios for Security National Financial

This table displays calculated financial ratios and metrics derived from Security National Financial's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 22,919,385.00 22,979,870.00 23,020,261.00 23,029,423.00 24,219,443.00 - 24,689,073.00 24,741,996.00 25,982,482.00 25,985,569.00 26,020,000.00
DEI Adjusted Shares Outstanding		 22,919,385.00 22,979,870.00 23,020,261.00 23,029,423.00 24,219,443.00 - 24,689,073.00 24,741,996.00 25,982,482.00 25,985,569.00 26,020,000.00
DEI Earnings Per Adjusted Shares Outstanding		 0.18 0.12 0.32 0.32 0.49 - 0.26 0.26 0.30 0.52 0.27
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -2.77% -30.21% 2.71% 2.77% 10.27% 5.55% 1.82% 4.17% 1.20% 4.81% -3.54%
EBITDA Growth		 315.63% -93.16% 369.64% 14.26% 175.29% -76.32% -13.14% -10.49% -32.01% 379.75% 8.65%
EBIT Growth		 256.21% -95.06% 506.94% 15.22% 194.93% -108.51% -14.23% -11.21% -33.27% 450.71% 9.72%
NOPAT Growth		 274.82% -86.53% 502.70% 14.46% 192.76% -102.93% -14.19% -10.52% -33.95% 430.86% 9.16%
Net Income Growth		 271.74% -86.53% 502.70% 14.46% 192.76% -101.46% -14.19% -10.52% -33.95% 430.86% 9.16%
EPS Growth		 70.00% -83.33% 520.00% 7.41% 176.47% -108.33% -19.35% -13.79% -34.04% 477.78% 8.00%
Operating Cash Flow Growth		 38.73% 67.95% 256.01% -192.98% 65.34% -36.81% -61.77% 54.75% -4.26% -19.79% 243.63%
Free Cash Flow Firm Growth		 -22.00% -66.97% -79.88% -123.46% -151.66% -169.79% -308.35% -109.68% 22.20% 90.21% -50.68%
Invested Capital Growth		 -13.61% -7.93% -2.52% 6.78% 11.56% 6.47% 10.57% 11.27% 7.76% 4.12% 13.84%
Revenue Q/Q Growth		 -4.05% -6.36% 8.23% 5.68% 2.95% -10.36% 4.40% 8.12% 0.01% -7.16% -3.92%
EBITDA Q/Q Growth		 -34.20% -65.33% 412.04% -2.20% 58.54% -97.02% 136.91% 44.45% 20.42% 66.84% -46.35%
EBIT Q/Q Growth		 -36.70% -72.72% 583.43% -2.39% 62.04% -100.79% 161.89% 49.65% 21.79% 70.88% -47.82%
NOPAT Q/Q Growth		 -36.38% -29.21% 161.27% -2.72% 62.71% -100.71% 152.35% 49.98% 20.11% 72.65% -48.11%
Net Income Q/Q Growth		 -36.38% -29.21% 161.27% -2.72% 62.71% -100.35% 152.35% 49.98% 20.11% 72.65% -48.11%
EPS Q/Q Growth		 -37.04% -29.41% 158.33% -6.45% 62.07% -102.04% 177.78% 38.89% 24.00% 67.74% -48.08%
Operating Cash Flow Q/Q Growth		 -11.24% 119.05% -29.34% -167.68% 257.84% -16.29% -57.25% -180.13% 433.92% -29.87% 83.13%
Free Cash Flow Firm Q/Q Growth		 -20.04% -42.83% -52.56% -208.18% -76.04% 22.76% 43.14% -3.29% 34.68% 75.78% -774.76%
Invested Capital Q/Q Growth		 1.06% 2.98% 1.43% 1.15% 5.59% -1.72% -3.95% 1.78% 2.26% 4.15% 5.02%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 7.27% 2.69% 12.73% 11.78% 18.15% 0.60% 10.86% 10.13% 12.19% 21.91% 12.23%
EBIT Margin		 6.52% 1.90% 12.00% 11.08% 17.45% -0.15% 10.11% 9.45% 11.50% 21.17% 11.50%
Profit (Net Income) Margin		 5.11% 3.86% 9.32% 8.58% 13.57% -0.05% 7.86% 7.37% 8.85% 16.47% 8.89%
Tax Burden Percent		 78.34% 203.26% 77.70% 77.44% 77.76% 34.84% 77.74% 78.05% 76.97% 77.77% 77.34%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.66% -103.26% 22.30% 22.56% 22.24% 0.00% 22.26% 21.95% 23.03% 22.23% 22.66%
Return on Invested Capital (ROIC)		 4.03% 2.78% 6.85% 6.57% 10.29% -0.08% 5.83% 5.45% 6.32% 11.23% 5.98%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.03% 2.78% 6.85% 6.57% 10.29% -0.04% 5.83% 5.45% 6.32% 11.23% 5.98%
Return on Net Nonoperating Assets (RNNOA)		 2.20% 1.22% 2.69% 2.17% 3.44% -0.01% 1.99% 1.81% 2.04% 2.91% 1.79%
Return on Equity (ROE)		 6.23% 4.00% 9.54% 8.74% 13.74% -0.10% 7.82% 7.26% 8.37% 14.14% 7.77%
Cash Return on Invested Capital (CROIC)		 22.10% 11.58% 7.38% -1.35% -4.08% -0.12% -3.76% -5.68% -3.51% 2.41% -6.42%
Operating Return on Assets (OROA)		 1.57% 0.41% 2.62% 2.46% 3.91% -0.03% 2.26% 2.11% 2.53% 4.71% 2.50%
Return on Assets (ROA)		 1.23% 0.84% 2.04% 1.91% 3.04% -0.01% 1.75% 1.65% 1.95% 3.66% 1.93%
Return on Common Equity (ROCE)		 6.23% 4.00% 9.54% 8.74% 13.74% -0.10% 7.82% 7.26% 8.37% 14.14% 7.77%
Return on Equity Simple (ROE_SIMPLE)		 11.04% 0.00% 6.48% 6.65% 8.50% 0.00% 8.10% 6.38% 5.10% 0.00% 7.69%
Net Operating Profit after Tax (NOPAT)		 4.04 2.86 7.47 7.27 12 -0.08 6.41 6.51 7.82 13 7.00
NOPAT Margin		 5.11% 3.86% 9.32% 8.58% 13.57% -0.11% 7.86% 7.37% 8.85% 16.47% 8.89%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% -0.04% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 42.20% 43.08% 37.33% 42.89% 42.13% 47.73% 42.19% 42.51% 41.36% 40.30% 39.32%
Operating Expenses to Revenue		 93.48% 98.10% 88.00% 88.92% 82.55% 100.15% 89.89% 90.55% 88.50% 78.83% 88.50%
Earnings before Interest and Taxes (EBIT)		 5.16 1.41 9.62 9.39 15 -0.12 8.25 8.34 10 17 9.05
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.75 1.99 10 9.98 16 0.47 8.87 8.94 11 18 9.63
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.57 0.63 0.54 0.51 0.61 0.86 0.82 0.65 0.62 0.57 0.58
Price to Tangible Book Value (P/TBV)		 0.58 0.64 0.55 0.52 0.62 0.88 0.83 0.66 0.63 0.58 0.59
Price to Revenue (P/Rev)		 0.50 0.63 0.55 0.52 0.65 0.88 0.86 0.69 0.67 0.69 0.73
Price to Earnings (P/E)		 5.21 13.59 8.37 7.71 7.21 11.01 10.14 10.25 12.10 7.28 7.53
Dividend Yield		 5.72% 4.98% 5.67% 5.89% 4.41% 3.21% 3.35% 4.12% 5.47% 5.26% 5.00%
Earnings Yield		 19.21% 7.36% 11.95% 12.97% 13.87% 9.09% 9.86% 9.75% 8.26% 13.73% 13.27%
Enterprise Value to Invested Capital (EV/IC)		 0.36 0.42 0.30 0.30 0.33 0.58 0.58 0.58 0.51 0.45 0.38
Enterprise Value to Revenue (EV/Rev)		 0.42 0.56 0.40 0.40 0.46 0.78 0.83 0.82 0.74 0.68 0.61
Enterprise Value to EBITDA (EV/EBITDA)		 3.16 4.24 4.75 4.54 3.91 4.54 7.14 8.78 9.41 3.93 4.60
Enterprise Value to EBIT (EV/EBIT)		 3.34 10.77 5.21 4.96 4.17 7.57 7.62 9.51 10.36 5.56 4.86
Enterprise Value to NOPAT (EV/NOPAT)		 4.41 12.11 6.12 5.86 5.04 9.73 9.78 12.18 13.32 7.16 6.27
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.66 3.26 1.33 2.12 2.11 4.51 6.56 5.39 4.96 5.06 2.98
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.49 3.47 4.00 0.00 0.00 0.00 0.00 0.00 0.00 19.13 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.36 0.34 0.33 0.32 0.31 0.32 0.35 0.35 0.34 0.24 0.26
Long-Term Debt to Equity		 0.36 0.34 0.33 0.32 0.31 0.32 0.35 0.35 0.34 0.24 0.26
Financial Leverage		 0.55 0.44 0.39 0.33 0.33 0.33 0.34 0.33 0.32 0.26 0.30
Leverage Ratio		 5.07 4.77 4.68 4.59 4.51 4.48 4.46 4.42 4.30 3.86 4.02
Compound Leverage Factor		 5.07 4.77 4.68 4.59 4.51 4.48 4.46 4.42 4.30 3.86 4.02
Debt to Total Capital		 26.69% 25.23% 24.58% 24.12% 23.60% 23.96% 26.17% 25.73% 25.20% 19.34% 20.36%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 26.69% 25.23% 24.58% 24.12% 23.60% 23.96% 26.17% 25.73% 25.20% 19.34% 20.36%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.31% 74.77% 75.42% 75.88% 76.40% 76.04% 73.83% 74.27% 74.80% 80.66% 79.64%
Debt to EBITDA		 2.37 2.55 3.91 3.71 2.81 1.88 3.20 3.91 4.67 1.68 2.44
Net Debt to EBITDA		 -0.57 -0.52 -1.75 -1.44 -1.68 -0.59 -0.26 1.39 0.86 -0.07 -0.93
Long-Term Debt to EBITDA		 2.37 2.55 3.91 3.71 2.81 1.88 3.20 3.91 4.67 1.68 2.44
Debt to NOPAT		 3.30 7.28 5.03 4.78 3.63 4.02 4.38 5.43 6.61 3.06 3.32
Net Debt to NOPAT		 -0.80 -1.48 -2.25 -1.85 -2.16 -1.27 -0.36 1.93 1.22 -0.12 -1.26
Long-Term Debt to NOPAT		 3.30 7.28 5.03 4.78 3.63 4.02 4.38 5.43 6.61 3.06 3.32
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 68 39 18 -20 -35 -27 -38 -42 -27 -6.63 -58
Operating Cash Flow to CapEx		 5,886.40% 11,147.90% 13,578.31% 0.00% 16,301.98% 1,183.79% 2,176.98% -1,735.64% 3,643.66% 62,532.69% 17,363.98%
Free Cash Flow to Firm to Interest Expense		 59.10 46.01 17.97 -18.60 -33.15 -24.86 -34.36 -32.37 -25.65 -6.37 -58.18
Operating Cash Flow to Interest Expense		 14.07 41.97 24.41 -15.81 25.26 20.53 8.56 -5.94 24.05 17.30 33.07
Operating Cash Flow Less CapEx to Interest Expense		 13.83 41.59 24.23 -15.68 25.10 18.80 8.17 -6.28 23.39 17.28 32.88
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.24 0.22 0.22 0.22 0.22 0.23 0.22 0.22 0.22 0.22 0.22
Fixed Asset Turnover		 1.57 1.45 1.47 1.49 1.48 1.50 1.49 1.46 1.42 1.44 1.36
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 406 418 424 429 453 446 469 478 488 509 534
Invested Capital Turnover		 0.79 0.72 0.73 0.77 0.76 0.76 0.74 0.74 0.71 0.68 0.67
Increase / (Decrease) in Invested Capital		 -64 -36 -11 27 47 27 45 48 35 20 65
Enterprise Value (EV)		 145 176 127 127 148 258 274 276 248 230 205
Market Capitalization		 171 197 173 167 212 292 285 232 225 234 247
Book Value per Share		 $13.00 $13.62 $13.91 $14.15 $14.30 $13.96 $14.27 $14.34 $14.06 $15.79 $16.35
Tangible Book Value per Share		 $12.77 $13.39 $13.68 $13.92 $14.08 $13.74 $14.06 $14.13 $13.86 $15.59 $16.15
Total Capital		 406 418 424 429 453 446 469 478 488 509 534
Total Debt		 108 106 104 104 107 107 123 123 123 98 109
Total Long-Term Debt		 108 106 104 104 107 107 123 123 123 98 109
Net Debt		 -26 -21 -47 -40 -64 -34 -10 44 23 -3.87 -41
Capital Expenditures (CapEx)		 0.28 0.32 0.18 -0.14 0.16 1.89 0.44 0.44 0.70 0.03 0.19
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 -0.04 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 108 106 104 104 107 107 123 123 123 98 109
Total Depreciation and Amortization (D&A)		 0.59 0.59 0.59 0.59 0.61 0.59 0.62 0.60 0.61 0.60 0.58
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.18 $0.13 $0.34 $0.31 $0.51 ($0.02) $0.18 $0.26 $0.32 $0.54 $0.28
Adjusted Weighted Average Basic Shares Outstanding		 22.06M 23.19M 22.22M 23.30M 23.24M 23.31M 23.52M 24.77M 24.71M 24.73M 24.82M
Adjusted Diluted Earnings per Share		 $0.18 $0.12 $0.33 $0.30 $0.49 ($0.01) $0.18 $0.25 $0.31 $0.52 $0.27
Adjusted Weighted Average Diluted Shares Outstanding		 22.83M 23.81M 22.95M 23.87M 24.05M 23.98M 24.47M 25.53M 25.40M 25.48M 25.54M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 22.98M 23.02M 23.03M 24.22M 24.28M 24.69M 24.74M 25.98M 25.99M 26.02M 26.04M
Normalized Net Operating Profit after Tax (NOPAT)		 4.04 0.99 7.47 7.27 12 -0.08 6.41 6.51 7.82 13 7.00
Normalized NOPAT Margin		 5.11% 1.33% 9.32% 8.58% 13.57% -0.11% 7.86% 7.37% 8.85% 16.47% 8.89%
Pre Tax Income Margin		 6.52% 1.90% 12.00% 11.08% 17.45% -0.15% 10.11% 9.45% 11.50% 21.17% 11.50%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.48 1.66 9.36 8.74 14.34 -0.11 7.37 6.45 9.52 16.69 9.09
NOPAT to Interest Expense		 3.51 3.38 7.27 6.77 11.15 -0.08 5.73 5.03 7.33 12.98 7.03
EBIT Less CapEx to Interest Expense		 4.24 1.29 9.18 8.87 14.19 -1.84 6.98 6.10 8.86 16.66 8.90
NOPAT Less CapEx to Interest Expense		 3.27 3.01 7.09 6.90 11.00 -1.81 5.34 4.69 6.67 12.95 6.84
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 9.83% 19.64% 8.12% 8.70% 5.69% 11.51% 11.60% 11.61% 16.04% 5.01% 6.58%

Financials Breakdown Chart

Key Financial Trends

Security National Financial (NASDAQ: SNFCA) showed a sharp slowdown in profitability in Q1 2026 after a much stronger 2025 run. Revenue remained solid, but higher expenses and weaker operating cash generation pulled earnings down materially versus both the prior quarter and the same period last year.

  • Q1 2026 total revenue was $78.7 million, still a sizable top line for a small-cap financial company.
  • Non-interest income remained the main driver, totaling $79.7 million, supported by service charges, investment gains, and insurance premiums.
  • The balance sheet improved in size, with total assets rising to $1.58 billion from $1.54 billion at Q2 2025 and $1.46 billion a year earlier.
  • Cash and due from banks increased to $150.1 million in Q1 2026, up from $132.9 million in Q1 2025.
  • Book value also improved, with total common equity at $425.5 million, up from $346.5 million in Q1 2024.
  • The company continued to use its investment portfolio actively, with large purchases and sales of securities helping shape cash flow results.
  • Debt levels were relatively stable overall, with long-term debt of $108.8 million in Q1 2026 versus $122.8 million in Q1 2025.
  • Q1 2026 net income fell to $7.0 million, down from $13.5 million in Q4 2025 and $6.4 million in Q1 2025, but the sequential trend is especially weak versus the prior quarter's stronger results.
  • Earnings per share declined to $0.28 basic and $0.27 diluted, versus $0.54 basic and $0.52 diluted in Q4 2025.
  • Operating cash flow weakened sharply in Q1 2026, with net cash from operating activities of $32.9 million versus $17.9 million in Q4 2025, but the quarter also showed a large change in working capital and investing/financing flows that makes the comparison less clean.

Looking at the last four years of quarterly data, SNFCA has generally produced consistent revenue in the $74 million to $89 million range per quarter, but profitability has been uneven. The standout period was late 2025, when net income jumped to $13.5 million in Q4 2025 and operating cash flow improved, while Q1 2026 reverted to a more normal, lower earnings level.

Expense pressure remains the key issue. In Q1 2026, total non-interest expense reached $69.7 million, which consumed most of the company’s revenue. The biggest cost items were salaries and employee benefits, property and liability insurance claims, and other operating expenses. When those costs rise, SNFCA’s earnings can compress quickly.

From a balance sheet perspective, the company still looks relatively liquid and well-capitalized. Cash increased, equity grew, and total assets continued to edge higher. That said, a meaningful portion of assets is tied up in trading securities, mortgage servicing rights, and loans held for sale, which can introduce volatility depending on market conditions.

Bottom line: SNFCA appears financially stable, but Q1 2026 was a step down in profitability after a strong Q4 2025. Investors may want to watch whether the company can keep revenue steady while controlling insurance claims and other operating expenses, since those factors are likely to determine whether earnings recover in coming quarters.

07/06/26 05:34 PM ETAI Generated. May Contain Errors.

Security National Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Security National Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Security National Financial's net income appears to be on an upward trend, with a most recent value of $32.15 million in 2025, rising from $13.35 million in 2015. The previous period was $29.12 million in 2024. See where experts think Security National Financial is headed by visiting Security National Financial's forecast page.

Over the last 10 years, Security National Financial's total revenue changed from $277.11 million in 2015 to $340.07 million in 2025, a change of 22.7%.

Security National Financial's total liabilities were at $1.15 billion at the end of 2025, a 3.5% increase from 2024, and a 59.3% increase since 2015.

In the past 10 years, Security National Financial's cash and equivalents has ranged from $38.99 million in 2016 to $142.20 million in 2018, and is currently $102.26 million as of their latest financial filing in 2025.

Over the last 10 years, Security National Financial's book value per share changed from 8.42 in 2015 to 15.79 in 2025, a change of 87.7%.


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Financial statements for NASDAQ:SNFCA last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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