Security National Financial Corporation (SNFCA) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Financial - Mortgages
EV/EBITDA
↑
3.93
↓-23% vs avg
5yr avg: 5.10
30Y Low0.1·High16.7
P/FCF
↑
4.58
↑+36% vs avg
5yr avg: 3.37
30Y Low0.2·High19.5
P/B Ratio
↓
0.59
-8% vs avg
5yr avg: 0.64
30Y Low0.2·High1.1
ROE
↓
8.6%
-3% vs avg
5yr avg: 8.8%
30Y Low-1%·High24%
Debt/EBITDA
↓
1.96
↓-35% vs avg
5yr avg: 3.03
30Y Low0.5·High11.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SNFCA Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Security National Financial Corporation trades at 7.5x earnings, 13% below its 5-year average of 8.6x, sitting at the 41st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 45%. On a free-cash-flow basis, the stock trades at 4.6x P/FCF, 36% above the 5-year average of 3.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $201M | $230M | $288M | $204M | $145M | $193M | $161M | $102M | $85M | $86M | $94M |
| Enterprise Value | $197M | $226M | $255M | $183M | $186M | $313M | $353M | $191M | $131M | $198M | $207M |
| P/E Ratio → | 7.49 | 7.15 | 11.35 | 14.05 | 5.66 | 4.88 | 2.90 | 9.31 | 3.92 | 6.07 | 7.66 |
| P/S Ratio | 0.58 | 0.67 | 35.21 | 21.37 | 15.03 | 20.52 | — | — | — | — | — |
| P/B Ratio | 0.59 | 0.56 | 0.85 | 0.65 | 0.50 | 0.64 | 0.61 | 0.52 | 0.50 | 0.58 | 0.71 |
| P/FCF | 4.58 | 5.24 | 5.26 | 3.87 | 1.13 | 1.38 | — | — | 14.88 | 1.97 | 2.93 |
| P/OCF | 4.41 | 5.04 | 5.03 | 3.79 | 1.11 | 1.33 | — | — | 12.16 | 1.93 | 2.64 |
P/E links to full P/E history page with 30-year chart
SNFCA EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Security National Financial Corporation's enterprise value stands at 3.9x EBITDA, 23% below its 5-year average of 5.1x. The Financial Services sector median is 11.4x, placing the stock at a 66% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.66 | 31.08 | 19.13 | 19.25 | 33.30 | — | — | — | — | — |
| EV / EBITDA | 3.93 | 4.50 | 5.94 | 7.16 | 3.57 | 4.33 | 3.97 | 7.31 | 3.54 | 11.37 | 7.47 |
| EV / EBIT | 4.76 | 4.92 | 6.64 | 8.63 | 4.41 | 5.30 | 4.41 | 8.97 | 3.94 | 14.57 | 8.34 |
| EV / FCF | — | 5.15 | 4.64 | 3.46 | 1.44 | 2.24 | — | — | 22.79 | 4.56 | 6.47 |
SNFCA Profitability
Margins and return-on-capital ratios measuring operating efficiency
Security National Financial Corporation earns an operating margin of 12.0%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 170.7% to 12.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 8.6% is modest, trailing the sector median of 9.0%. ROIC of 6.5% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.7% | 70.7% | 48.1% | 49.0% | 19.0% | 24.1% | — | — | — | — | — |
| Operating Margin | 12.0% | 12.0% | 416.3% | 170.7% | 355.6% | 551.9% | — | — | — | — | — |
| Net Profit Margin | 9.3% | 9.3% | 323.9% | 151.8% | 265.8% | 421.1% | — | — | — | — | — |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.6% | 8.6% | 8.1% | 4.8% | 8.7% | 14.0% | 24.1% | 5.9% | 13.5% | 10.0% | 9.7% |
| ROA | 2.1% | 2.1% | 1.8% | 1.0% | 1.7% | 2.6% | 3.9% | 0.9% | 2.1% | 1.5% | 1.4% |
| ROIC | 6.5% | 6.5% | 5.9% | 2.8% | 5.1% | 7.0% | 11.0% | 2.7% | 5.9% | 1.9% | 5.5% |
| ROCE | 2.8% | 2.8% | 2.4% | 1.2% | 2.5% | 3.9% | 5.9% | 1.4% | 3.0% | 0.9% | 2.6% |
SNFCA Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Security National Financial Corporation carries a Debt/EBITDA ratio of 2.0x, which is manageable (54% below the sector average of 4.3x). The company holds a net cash position — cash of $102M exceeds total debt of $98M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 10.2x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.24 | 0.24 | 0.32 | 0.34 | 0.55 | 0.84 | 1.13 | 1.11 | 1.09 | 1.06 | 1.15 |
| Debt / EBITDA | 1.96 | 1.96 | 2.49 | 4.13 | 3.11 | 3.48 | 3.36 | 8.31 | 5.08 | 9.05 | 5.49 |
| Net Debt / Equity | — | -0.01 | -0.10 | -0.07 | 0.14 | 0.40 | 0.73 | 0.46 | 0.26 | 0.75 | 0.85 |
| Net Debt / EBITDA | -0.08 | -0.08 | -0.79 | -0.84 | 0.78 | 1.66 | 2.16 | 3.43 | 1.23 | 6.45 | 4.09 |
| Debt / FCF | — | -0.09 | -0.62 | -0.41 | 0.32 | 0.86 | — | — | 7.91 | 2.58 | 3.54 |
| Interest Coverage | 10.16 | 10.16 | 9.02 | 4.35 | 5.39 | 8.27 | 9.33 | 2.89 | 4.76 | 2.25 | 4.85 |
Net cash position: cash ($102M) exceeds total debt ($98M)
SNFCA Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Security National Financial Corporation's current ratio of 6.40x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has declined from 50.49x to 6.40x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 6.40 | 6.40 | 17.88 | 50.49 | 7.48 | 2.47 | 1.67 | 2.39 | 1.00 | 0.63 | 0.64 |
| Quick Ratio | 6.40 | 6.40 | 17.88 | 50.49 | 7.48 | 2.47 | 1.67 | 2.39 | 1.00 | 0.63 | 0.64 |
| Cash Ratio | 2.99 | 2.99 | 10.39 | 11.90 | 1.77 | 0.77 | 0.41 | 0.60 | 0.85 | 0.38 | 0.28 |
| Asset Turnover | — | 0.22 | 0.01 | 0.01 | 0.01 | 0.01 | — | — | — | — | — |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
SNFCA Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Security National Financial Corporation returns 0.8% to shareholders annually primarily through share buybacks. The earnings yield of 13.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 13.3% | 14.0% | 8.8% | 7.1% | 17.7% | 20.5% | 34.5% | 10.7% | 25.5% | 16.5% | 13.1% |
| FCF Yield | 21.8% | 19.1% | 19.0% | 25.9% | 88.7% | 72.4% | — | — | 6.7% | 50.7% | 34.1% |
| Buyback Yield | 0.8% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.8% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $25M | $24M | $24M | $22M | $24M | $23M | $23M | $23M | $24M | $22M |
Peer Comparison
Compare SNFCA with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SNFCAYou | $201M | 7.5 | 3.9 | 4.6 | 70.7% | 12.0% | 8.6% | 6.5% | 2.0 |
 TPVG | $193M | 3.9 | 8.5 | — | 83.5% | 77.9% | 14.1% | 7.2% | 6.2 |
 KINS | $243M | 5.8 | 4.4 | 3.3 | 57.7% | 25.6% | 43.0% | 46.6% | 0.1 |
 GBLI | $362M | 14.4 | 7.8 | 39.9 | 49.3% | 7.4% | 3.6% | 3.8% | 0.2 |
 STC | $2B | 16.4 | 11.4 | 15.3 | 87.7% | 5.7% | 7.5% | 6.2% | 3.9 |
 PFSI | $4B | 8.6 | 17.8 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 GHLD | $439M | 12.8 | 21.4 | — | 90.6% | 10.1% | 8.0% | 2.4% | 19.4 |
 UWMC | $319M | 17.1 | 7.6 | — | 85.6% | 58.0% | 1.5% | 8.9% | 7.7 |
 LMND | $4B | -25.0 | — | — | 40.3% | -21.8% | -29.4% | -36.8% | — |
 FAF | $7B | 11.4 | 7.2 | 9.2 | 95.6% | 11.1% | 11.9% | 10.7% | 1.8 |
 FNF | $13B | 21.2 | 6.6 | 2.0 | 98.2% | 9.9% | 6.9% | 10.1% | 2.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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SNFCA — Frequently Asked Questions
Quick answers to the most common questions about buying SNFCA stock.
What is Security National Financial Corporation's P/E ratio?
Security National Financial Corporation's current P/E ratio is 7.5x. The historical average is 9.6x. This places it at the 41th percentile of its historical range.
What is Security National Financial Corporation's EV/EBITDA?
Security National Financial Corporation's current EV/EBITDA is 3.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 5.5x.
What is Security National Financial Corporation's ROE?
Security National Financial Corporation's return on equity (ROE) is 8.6%. The historical average is 8.5%.
Is SNFCA stock overvalued?
Based on historical data, Security National Financial Corporation is trading at a P/E of 7.5x. This is at the 41th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Security National Financial Corporation's profit margins?
Security National Financial Corporation has 70.7% gross margin and 12.0% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Security National Financial Corporation have?
Security National Financial Corporation's Debt/EBITDA ratio is 2.0x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.