Company Analysis

Security National Financial Corporation (SNFCA)

Nasdaq: SNFCA · Finance Services · Salt Lake City, UT · filing with the SEC since 1995
Grade5.9
◀ Past 4.8● Present 7.2▶ Future 5.9

The grade of Security National Financial Corporation

Nine metrics read from its own filings, by tense
Headline grade
5.9/10
◀ Past4.840% of the headline
● Present7.235% of the headline
▶ Future5.925% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

4.8/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
3.3/10

Has it survived what it has been through?

6 warning events since 2017; the latest 2021-08-17.

weight 45% of this tense · 33rd percentile among 130 sector filers · read for itself

From the record

Security National Financial Corporation's filings since 2017 show 6 warning events of 4 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2017-08-30); a warning not to rely on past financial statements (8-K item 4.02, the latest 2017-08-04); an auditor change (8-K item 4.01, 2 times, the latest 2017-06-02); a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2021-08-17) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
5.5/10

What has it actually done, year after year?

+1.4% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 55th percentile among 104 sector filers · read for its customers

From the record

Security National Financial Corporation's 10 filed years say what it did: revenue went from $304 million in fiscal 2016 to $345 million in fiscal 2025, up 1.4% a year; it rose in 5 of 9 years; the deepest fall was 34% from fiscal 2020 to fiscal 2023; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span1.4%bottom 31% of its family
  • the share of years revenue rosebottom 43% of its family
  • the share of filed years with a profittop 5% of its family
  • the deepest fall from a revenue peak33.8%top 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
6.4/10

How has it treated the people who own it?

Share count grew 1.8% a year. 5% of cash flow returned. Insiders: 1 sales, 0 purchases.

weight 33% of this tense · 64th percentile among 53 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Security National Financial Corporation's diluted share count grew about 1.8% a year, and dividends and buybacks returned about 5% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 0 purchases of their own stock on the open market in the year to 2026-10-09 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 27% of its family
  • cash returned against operating cash flowtop 46% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

7.2/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
6.7/10

Is it financially healthy right now?

ROE 8%: 8¢ of profit per shareholder dollar. Leverage 74%: owes 74¢ per asset dollar.

weight 45% of this tense · 67th percentile among 117 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Security National Financial Corporation earned about 8 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 22 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 74 cents per dollar of assets, and net share issuance: its share count grew 1.2% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 28% of its family
  • return on equitytop 21% of its family
  • gross profit against assetstop 20% of its family
  • the share count against the year beforetop 20% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.1/10

How strong is its position in its industry?

top 39% of 114 in its family; net margin 9.3%.

weight 33% of this tense · 61st percentile among 114 sector filers · read for its customers

From the record

Security National Financial Corporation's standing among 114 graded names in its industry family: revenue of $345 million in fiscal 2025 ranks in the top 31% by size; a net margin of 9.3% ranks in the top 22%; revenue growth of -4% a year over the last 3 filed years ranks in the bottom 35% (its annual reports).

What it rests on

  • revenue against the family$345Mtop 31% of its family
  • net margin9.3%top 22% of its family
  • three-year revenue growth-4.0%bottom 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
9.8/10

What are the people in charge doing?

top 2% of 50 in its family for leadership.

weight 22% of this tense · 98th percentile among 50 sector filers · read for its shareholders

From the record

Security National Financial Corporation's leadership, from its insiders' filings and its current reports: no one files under a chief executive's title, so that part is not read; the 11 officers and directors filing in the last fifteen months have been on the record a median of 13.1 years (top 1%); no officer or director change was reported on Form 8-K since 2023-11-13, against the 11 people in charge now (top 4%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge0 in three years among 11 peopletop 4% of its family
  • the median years the people in charge have filed13.1 yearstop 1% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.9/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
7.6/10

How much room does it have to grow?

top 24% of 108 in its family for room to expand.

weight 33% of this tense · 76th percentile among 108 sector filers · read for itself

From the record

Security National Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $102 million against no long-term debt tagged leaves 6.5% of its assets as net cash, top 49% of its family; cash from operations less capital spending is 12.7% of revenue (top 22%); a gross margin of 98.6% (top 2%) (its annual report).

What it rests on

  • cash less debt against assets6.5%top 49% of its family
  • cash from operations less capital spending against revenue12.7%top 22% of its family
  • gross margin98.6%top 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
3.9/10

What could actually drive growth from here?

bottom 39% of 100 in its family for growth drivers.

weight 33% of this tense · 39th percentile among 100 sector filers · read for its customers

From the record

Security National Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew -4% a year over the last three filed years against 1.4% over all 10, slowing (bottom 35% of its family); the newest year grew 3% (bottom 36%); capital spending grew 1.9% a year (bottom 46%) (its annual reports). Security National Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-5.4 points a yearbottom 35% of its family
  • the newest year's revenue growth3.0%bottom 36% of its family
  • three-year growth of capital spending1.9%bottom 46% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
6.1/10

Did its newest year beat what its own record pointed to?

top 39% of 78 in its family for expectations against reality.

weight 33% of this tense · 61st percentile among 78 sector filers · read for its shareholders

From the record

Security National Financial Corporation's newest year against its own record: revenue of $345 million in fiscal 2025 came in 11.2% above the $310 million its prior three years' pace pointed to (top 42% of its family); net income of $32 million against a prior three-year average of $23 million (top 34%); a net margin of 9.3% against 6.6% before (top 40%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace11.2%top 42% of its family
  • net income against the prior three years' average+39%top 34% of its family
  • net margin against its prior average+2.7 pointstop 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton SNFCA · research, not advice