Security National Financial (XSNA) AI Stock Analysis
Security National Financial
(Frankfurt:XSNA)
No summary available
Security National Financial (XSNA) vs. iShares MSCI Germany ETF (EWG)
- Market Cap
- EUR 215.83M
- Dividend Yield
- ―
- Average Volume (3M)
- ―
- Price to Earnings (P/E)
- 5.8
- Beta (1Y)
- 0.59
- Revenue Growth
- -7.76%
- EPS Growth
- 63.39%
- Country
- Germany
- Employees
- 1,243
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Life
Security National Financial Business Overview & Revenue Model
Company Description
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...
Security National Financial Earnings Call Summary
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.
Q2-2026 Updates
Positive Updates
Negative Updates
Company Guidance
The company guided that it will deploy elevated cash balances and continue prioritizing top‑line growth while improving profitability, citing a $1.61B asset base (+$47.5M, +3%), cash up 60%, an investment portfolio of just over $1B (down $13M, -1.2%), liabilities of $1.18B (+$24.8M, +2.2%), equity of $433M (+$22.7M, +5.5%) and an improved debt‑to‑equity ratio of 2.72x (from 2.81x); near‑term operating goals include converting increased sales leadership and modal‑pay production (renewal premiums +1.5%; first‑year modal pay running ahead of last year) into reported revenue, deploying roughly $122M in land/subdivision investments to drive future builder profit‑share (noting net investment income was $33.4M YTD vs $38.6M last year, a -14% change and builder profit‑share down ~$2.8M YTD), continuing to control costs (combined commissions and personnel expense down $4.8M Q/Q, -13.5% and $8.0M YTD, -11.8%), monitoring credit (mortgage loans >90 days past due $15.8M vs $6.5M at year end), and converting segment operational improvements (funeral/cemetery: families served +1.1%, avg revenue per call +6.2% to $5.55K, preneed land sales +6.1% to $2.34M) into sustainable margin expansion — while continuing to test and remediate internal controls and urging investors to review both quarterly and year‑to‑date comprehensive income (YTD comprehensive income $22.4M, +86.6%; Q2 comprehensive income $7.3M, -18.2%).
Security National Financial Peers Comparison
Overall Rating
ECPG68Neutral
VEL62Neutral
PFSI57Neutral
LDI39Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ECPG | 68Neutral | $2.12B | 7.36 | 29.83% | ― | 28.84% | ― |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| VEL | 62Neutral | $620.65M | 5.65 | 15.83% | ― | 31.59% | 17.94% |
| PFSI | 57Neutral | $3.27B | 13.68 | 5.54% | 1.91% | 7.24% | -52.33% |
| LDI | 39Underperform | $195.79M | -1.91 | -30.86% | ― | 17.11% | 9.17% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| DE:XSNA | Security National Financial | 7.80 | 1.61 | 26.01% | |
| ECPG | Encore Capital Group | 99.98 | 56.73 | 131.17% | |
| PFSI | PennyMac Financial Services | 62.92 | -62.28 | -49.74% | |
| LDI | loanDepot, Inc. | 0.58 | -2.37 | -80.37% | |
| VEL | Velocity Financial, Inc. | 15.72 | -3.02 | -16.12% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.