SNFCA · Security National Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $79.73M | - | $89.33M | $89.54M | $82.74M | - | $88.27M | $85.79M | $81.19M | - |
| Cost of Revenue | $1.23M | - | $1.11M | $1.16M | $1.25M | - | $1.12M | $1.24M | $1.27M | - |
| Gross Profit | $78.50M | - | $88.21M | $88.38M | $81.49M | - | $87.16M | $84.56M | $79.91M | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $9.05M | - | $10.15M | $8.34M | $5.57M | - | $15.21M | $9.39M | $9.62M | - |
| Interest Expense | $996.2K | - | $1.07M | $1.29M | $1.12M | - | $1.06M | $1.07M | $1.03M | - |
| Income Tax | $2.05M | - | $2.34M | $1.83M | $1.23M | - | $3.38M | $2.12M | $2.14M | - |
| Net Income | $7.00M | - | $7.82M | $6.51M | $4.34M | - | $11.83M | $7.27M | $7.47M | - |
| EPS - Basic | $0.28 | - | $0.32 | $0.26 | $0.17 | - | $0.49 | $0.30 | $0.31 | - |
| EPS - Diluted | $0.27 | - | $0.31 | $0.25 | $0.17 | - | $0.47 | $0.29 | $0.30 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $150.12M | $102.26M | $100.40M | $79.32M | $132.95M | $140.55M | $170.71M | $143.63M | $150.93M | $126.94M |
| Accounts Receivable | $10.37M | $10.38M | - | - | - | $10.40M | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.58B | $1.56B | $1.56B | $1.54B | $1.52B | $1.49B | $1.49B | $1.46B | $1.45B | $1.43B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $1.16B | $1.15B | $1.20B | $1.19B | $1.18B | $1.15B | $1.15B | $1.13B | $1.13B | $1.12B |
| Stockholders' Equity | $425.52M | $410.37M | $365.38M | $354.75M | $346.49M | $338.78M | $346.32M | $325.77M | $320.10M | $312.90M |
| Retained Earnings | $255.80M | $248.80M | $232.86M | $225.04M | $229.70M | $225.36M | $225.40M | $213.57M | $214.45M | $206.98M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $32.94M | - | - | - | $9.59M | - | - | - | $25.08M | - |
| Investing Cash Flow | $7.71M | - | - | - | ($29.27M) | - | - | - | $1.70M | - |
| Financing Cash Flow | $7.33M | - | - | - | $14.87M | - | - | - | ($2.15M) | - |
| CapEx | $189.7K | - | - | - | $441.5K | - | - | - | $256.2K | - |
| Free Cash Flow | $32.75M | - | - | - | $9.14M | - | - | - | $24.82M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | 98.5% | - | 98.8% | 98.7% | 98.5% | - | 98.7% | 98.6% | 98.4% | - |
| Operating margin | 11.4% | - | 11.4% | 9.3% | 6.7% | - | 17.2% | 10.9% | 11.8% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | 8.8% | - | 8.7% | 7.3% | 5.2% | - | 13.4% | 8.5% | 9.2% | - |
| Free cash flow margin | 41.1% | - | - | - | 11.1% | - | - | - | 30.6% | - |
| FCF / Net income | 4.68 | - | - | - | 2.11 | - | - | - | 3.32 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 22.7% | - | 23.0% | 22.0% | 22.1% | - | 22.2% | 22.6% | 22.3% | - |
| Return on assets | 0.4% | - | 0.5% | 0.4% | 0.3% | - | 0.8% | 0.5% | 0.5% | - |
| Return on equity | 1.6% | - | 2.1% | 1.8% | 1.3% | - | 3.4% | 2.2% | 2.3% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 9.1x | - | 9.5x | 6.4x | 5.0x | - | 14.3x | 8.7x | 9.4x | - |
| Equity multiplier | 3.71 | 3.81 | 4.28 | 4.35 | 4.40 | 4.40 | 4.32 | 4.48 | 4.52 | 4.57 |
| Liabilities / Assets | 0.73 | 0.74 | 0.77 | 0.77 | 0.77 | 0.77 | 0.77 | 0.78 | 0.78 | 0.78 |
| Efficiency | ||||||||||
| Asset turnover | 0.05 | - | 0.06 | 0.06 | 0.05 | - | 0.06 | 0.06 | 0.06 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | 47d | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 35.1x | - | 28.0x | 37.5x | 67.2x | - | 18.8x | 25.4x | 24.0x | - |
| P / B | 0.6x | - | 0.6x | 0.7x | 0.8x | - | 0.6x | 0.5x | 0.5x | - |
| P / S | 3.0x | - | 2.5x | 2.7x | 3.4x | - | 2.4x | 2.0x | 2.0x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | -3.6% | - | 1.2% | 4.4% | 1.9% | - | 10.0% | 2.3% | 2.1% | - |
| Revenue CAGR (3y) | 0.1% | - | 2.3% | -2.1% | -6.9% | - | -9.6% | -9.8% | -12.9% | - |
| Revenue CAGR (5y) | -8.3% | - | -9.4% | -5.5% | 0.8% | - | 3.2% | 4.6% | 5.7% | - |
| Gross profit growth (YoY) | -3.7% | - | 1.2% | 4.5% | 2.0% | - | 10.2% | 2.4% | 2.0% | - |
| Operating income growth (YoY) | 62.5% | - | -33.3% | -11.2% | -42.1% | - | 194.9% | 15.2% | 506.9% | - |
| Net income growth (YoY) | 61.4% | - | -33.9% | -10.5% | -42.0% | - | 192.8% | 14.5% | 502.7% | - |
| EPS growth (YoY) | 57.5% | - | -33.6% | -12.5% | -42.7% | - | 159.3% | 2.0% | 398.9% | - |
| EPS CAGR (3y) | 65.1% | - | - | 16.0% | 4.6% | - | -2.9% | -19.1% | -21.1% | - |
| EPS CAGR (5y) | -15.0% | - | -27.1% | -25.2% | 16.5% | - | 17.3% | 7.4% | 22.2% | - |
| FCF growth (YoY) | 258.1% | - | - | - | -63.2% | - | - | - | - | - |
| FCF CAGR (5y) | -19.7% | - | - | - | - | - | - | - | 23.1% | - |
| Book value growth (YoY) | 22.8% | 21.1% | 5.5% | 8.9% | 8.2% | 8.3% | 16.3% | 9.0% | 7.8% | 6.9% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2023-12-31.
Business segments
$318.50M totalLife Insurance$193.38M · 60.7%
Mortgage$101.91M · 32.0%
Cemetery And Mortuary$32.28M · 10.1%
Intercompany Eliminations($9.07M) · -2.8%
Peer comparison
Same SIC group: Finance Services
Comparing SECURITY NATIONAL FINANCIAL CORP against the 5 most active filers in the same SIC group.
Dividends
$0.00/share trailing 12 months
| Ex-date | Per share |
|---|---|
| Jan 25, 1993 | $0.0231 |
| Sep 9, 1992 | $0.0243 |