Security National Financial (XSNA) Stock Price & Analysis
XSNA Stock Chart & Stats
- Day’s Range
- EUR 7.80 - EUR 7.80
- 52-Week Range
- EUR 6.00 - EUR 8.30
- Previous Close
- EUR 7.80
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 223.34M
- Enterprise Value
- EUR 382.82M
- Total Cash (Recent Filing)
- EUR 193.55M
- Total Debt (Recent Filing)
- EUR 122.23M
- Price to Earnings (P/E)
- 5.8
- Beta
- 0.59
- Next Earnings
- Nov 16, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Improved Profitability
Higher earnings despite a revenue decline indicate improved operating leverage and execution. Sustained profitability growth would strengthen internal funding capacity and help offset pressure from weaker insurance revenue and investment income.
Stronger Capital Position
Growth in assets, liquidity, and equity provides greater financial flexibility for an insurer and supports investment in growth initiatives. Improved leverage also increases resilience against claims, credit losses, and earnings volatility.
Cost Efficiency
Lower commissions and personnel costs, the company’s largest expense categories, can support more durable margins if maintained. Efficiency gains provide a buffer against weaker premium volume and pressure on investment-related income.
Bears Say
Life Revenue Pressure
Declining Life revenue and premiums show that the core insurance franchise is facing top-line pressure. The planned shift away from single-premium products may improve mix and profitability, but it can constrain near-term scale while modal-pay sales develop.
Rising Mortgage Delinquencies
A substantial increase in seriously delinquent mortgage loans raises credit-loss and capital risks within a secondary business line. Even with an adequate allowance, continued deterioration could reduce mortgage profitability and divert management attention.
Funeral Segment Margin Pressure
Costs growing faster than revenue indicate limited current operating leverage in the funeral and cemetery businesses. Higher compensation and cemetery expenses could delay sustainable margin expansion unless productivity or pricing gains offset the investment.
Security National Financial News
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Security National Financial Stock Smart Score
Company Description
Security National Financial
Security National Financial Corporation (SNFC) operates across three distinct sectors: life insurance, cemetery and mortuary services, and mortgage lending. Its Life Insurance division provides a comprehensive suite of products, encompassing various forms of life insurance – such as funeral pre-planning and interest-sensitive policies – alongside traditional life, accident, and health coverage. The segment also offers diverse annuity products, including single premium, flexible premium deferred, and immediate annuities, as well as specialized diver's accident protection. To manage its financial exposure, this division participates in reinsurance activities, both assuming and ceding risks with approved third-party reinsurers. The Cemetery and Mortuary segment manages a network of facilities, with fifteen mortuaries and seven cemeteries strategically located across Utah (eleven mortuaries, five cemeteries), California (one cemetery), and New Mexico (four mortuaries, one cemetery). Beyond operating these sites, it supplies a range of funeral and burial merchandise, including interment plots, vaults, mausoleum crypts, grave markers, caskets, and urns. Additionally, the segment delivers essential professional services such as funeral direction, grave preparation, access to chapels and viewing rooms, and specialized transportation. Through its Mortgages division, SNFC originates and underwrites loans for both residential and commercial properties. These financial services support new construction, the purchase of existing homes, and various other real estate endeavors, primarily within the states of Florida, Nevada, Texas, and Utah. The segment extends its residential lending solutions to a broad clientele, including real estate professionals like brokers and builders, as well as directly to individual consumers. Established in 1965, Security National Financial Corporation maintains its corporate headquarters in Salt Lake City, Utah.
- Sector
- Financial
- Industry
- Insurance - Life
- CEO
- Scott Milton Quist
- Employees
- 1,243
- Website
- www.securitynational.com
- Address
- 433 West Ascension Way, Salt Lake City, UT, 84123, US
Security National Financial (XSNA) Earnings & Revenues
XSNA Earnings Call
Earnings Call SentimentPositive
The call reflected a mostly constructive operational performance: solid improvements in profitability, strengthened balance sheet metrics, meaningful cost efficiencies, and return-to-profitability in the mortgage business. At the same time, revenue pressures persist in the Life segment, mortgage delinquencies rose materially, and certain operating margins (funeral/cemetery) faced near-term cost pressure. Management framed several declines as deliberate (product mix shift, separation from originators) and emphasized investments expected to support future growth. Given the breadth of positive profitability, capital, and efficiency developments alongside manageable but notable headwinds, the overall tone is cautiously positive.
View all DE:XSNA earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 2 | 3 |
| Technical Analysis | 4 | 2 | 3 |
| Moving Averages | 12 | 0 | 0 |
