Security National Financial AI Stock Analysis
Want to see SNFCA full AI Analyst Report?
Security National Financial (SNFCA) AI Stock Analysis
Security National Financial
(NASDAQ:SNFCA)
SNFCA scores at 61 primarily due to decent underlying financial health (strong cash conversion and improving leverage) tempered by high volatility and data inconsistencies that reduce confidence in earnings quality. Valuation is a positive (low P/E), while technicals are soft/neutral with price below key moving averages. The latest earnings call was mixed, with meaningful balance-sheet and cost-savings positives offset by weaker near-term earnings, mortgage pressure, credit losses, and ongoing control remediation.
Security National Financial (SNFCA) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $211.59M
- Dividend Yield
- ―
- Average Volume (3M)
- 30.49K
- Price to Earnings (P/E)
- 6.0
- Beta (1Y)
- 1.04
- Revenue Growth
- -4.19%
- EPS Growth
- 103.64%
- Country
- US
- 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...
How the Company Makes Money
SNFCA generates revenue primarily through (1) its life insurance operations and (2) its mortgage operations. 1) Life insurance revenue model: - Premiums and policy charges: A core source of revenue comes from policyholders paying premiums for life in...
Security National Financial Earnings Call Summary
The call presented a mixed operating picture. The company reported substantial growth in stockholders’ equity, strong year-to-date cost reductions, improved life sales, higher cemetery operating results, and stronger liquidity. However, these positives were offset by a sharp third-quarter earnings decline, a mortgage segment loss caused by rising rates and weaker housing activity, lower insurance investment income, credit-loss provisions, unrealized investment losses, and ongoing internal-control remediation. The highlights and lowlights were broadly balanced.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
The call provided no formal quantified financial guidance; management said priorities are unchanged to grow revenue and improve profitability across all 3 segments, continue focusing on mortgage-market pockets where loan volume is growing, and pursue another $2.5 million of annualized expense savings after reducing expenses by $14 million year-over-year or by 16%, while life sales are up more than 20% by annualized premium and more than 30% by face year-to-date, with management saying “we believe we are just getting started”; management also said cemetery priorities remain consistent, remediation of information technology general controls is ongoing, and capital should be deployed in growing operations if subsidiaries can reinvest funds at higher rates.
Security National Financial Financial Statement Overview
Summary
Cash flow quality is a relative strength (operating cash flow generally covers net income well and free cash flow tracks net income closely), and the balance sheet shows improving leverage with stable positive ROE in recent annual periods. However, income statement results are difficult to underwrite due to major multi-year volatility and apparent inconsistencies between annual and TTM figures (especially revenue scale and margin behavior), which reduces confidence in earnings predictability.
Income Statement
48NeutralBalance Sheet
63PositiveCash Flow
70Positive| Breakdown | TTM | Dec 2025 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 326.81M | 344.59M | 8.19M | 9.55M | 9.67M | 9.39M |
| Gross Profit | 229.54M | 243.77M | 3.94M | 4.68M | 1.84M | 2.26M |
| EBITDA | 52.12M | 54.65M | 47.14M | 30.39M | 59.88M | 79.32M |
| Net Income | 35.64M | 32.15M | 26.54M | 14.50M | 25.69M | 39.52M |
Balance Sheet | ||||||
| Total Assets | 1.62B | 1.56B | 1.49B | 1.43B | 1.46B | 1.55B |
| Cash, Cash Equivalents and Short-Term Investments | 218.05M | 165.03M | 212.14M | 508.48M | 466.78M | 390.64M |
| Total Debt | 139.54M | 98.39M | 106.74M | 105.56M | 161.71M | 251.29M |
| Total Liabilities | 1.16B | 1.15B | 1.15B | 1.12B | 1.17B | 1.25B |
| Stockholders Equity | 468.59M | 410.37M | 338.78M | 312.90M | 292.79M | 299.77M |
Cash Flow | ||||||
| Free Cash Flow | 110.51M | 43.85M | 54.85M | 52.77M | 128.85M | 139.42M |
| Operating Cash Flow | 111.37M | 45.54M | 57.32M | 53.88M | 130.45M | 144.64M |
| Investing Cash Flow | -24.89M | -67.21M | -43.13M | 14.61M | -37.16M | -63.61M |
| Financing Cash Flow | 8.92M | -14.32M | -4.01M | -62.04M | -101.22M | -55.08M |
Security National Financial Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SNFCA, the sentiment is Negative. The current price of 8.97 is below the 20-day moving average (MA) of 9.18, below the 50-day MA of 9.00, and below the 200-day MA of 9.04, indicating a bearish trend. The MACD of 0.04 indicates Positive momentum. The RSI at 43.25 is Neutral, neither overbought nor oversold. The STOCH value of 9.59 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SNFCA.
Security National Financial Peers Comparison
Overall Rating
ECPG74Outperform
VEL63Neutral- SNFCA61Neutral
PFSI50Neutral
LDI49Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ECPG | 74Outperform | $2.34B | 6.84 | 33.67% | ― | 29.59% | ― |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| VEL | 63Neutral | $644.23M | 5.74 | 15.31% | ― | 27.36% | 10.47% |
| SNFCA | 61Neutral | $247.24M | 5.97 | 8.21% | ― | -4.19% | 103.64% |
| PFSI | 50Neutral | $3.24B | 13.22 | 5.54% | 1.98% | 3.56% | -52.39% |
| LDI | 49Neutral | $159.68M | -1.22 | -40.79% | ― | 16.90% | -0.08% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SNFCA | Security National Financial | 8.97 | 1.17 | 15.01% | |
| ECPG | Encore Capital Group | 109.86 | 60.27 | 121.54% | |
| PFSI | PennyMac Financial Services | 60.73 | -64.65 | -51.56% | |
| LDI | loanDepot, Inc. | 0.45 | -2.10 | -82.39% | |
| VEL | Velocity Financial, Inc. | 16.11 | -2.25 | -12.25% |
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.
Date of analysis: Nov 13, 2026