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Security National Financial Corporation engages in the life insurance, cemetery and mortuary, and mortgage businesses. The company's Life Insurance segment is involved in selling and servicing lines of life insurance, annuity products, and accident and health insurance. It offers various life insurance products, including funeral plans and interest-sensitive life insurance, as well as other traditional life, accident, and health insurance products; and annuity products comprising single and flexible premium deferred annuities, and immediate annuities. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its cemetery and mortuary segment consists of eleven mortuaries and five cemeteries in the state of Utah, one cemetery in the state of California, and one cemetery and four mortuaries in the state of New Mexico. This segment also offers plots, interment vaults, mausoleum crypts, markers, caskets, urns, and other death care related products; and provides professional services of funeral directors, opening and closing of graves, use of chapels and viewing rooms, and use of automobiles and clothing, as well as engages in pre-need selling of funeral, cemetery, mortuary, and cremation services. The company's Mortgages segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Arizona, Nevada, Texas, and Utah. It offers residential mortgage lending services to real estate brokers and builders, as well as directly to consumers. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Security National Financial Corporation is a U.S.-based financial services holding company operating mortgage banking and mortgage-related businesses through subsidiaries. Long-term growth drivers include housing market fundamentals, origination and servicing fee income, and demand for mortgage credit, which may benefit investors who seek exposure to mortgage-originated cash flows and servicing revenue streams.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 41.41M | 34.10M | 16.30M | 34.38M | 51.80M |
| Net income | 32.15M | 26.54M | 14.50M | 25.69M | 39.52M |
| Selling general administrative | 125.42M | 117.86M | 122.06M | 152.79M | 161.05M |
| Selling and marketing expenses | 3514.64M | 3.12M | 3.71M | 5.70M | 6.63M |
| Gross profit | 243.77M | 3.94M | 4.68M | 390.32M | 470.70M |
| Reconciled depreciation | 8.72M | 8.78M | 9.23M | 17.68M | 20.39M |
| Ebit | 45.93M | 38.36M | 21.17M | 65.05M | 9.27M |
| Ebitda | 54.65M | 47.14M | 30.39M | 82.72M | 29.66M |
| Depreciation and amortization | 8.72M | 8.78M | 9.23M | 17.68M | 20.39M |
| Operating income | 41.41M | 34.10M | 16.30M | 65.05M | 9.27M |
| Other operating expenses | 303.18M | 25.91M | 6.75M | 355.94M | 418.89M |
| Interest expense | 4.52M | 4.25M | 4.87M | 7.83M | 7.13M |
| Tax provision | 9.26M | 7.57M | 1.81M | 8.69M | 12.28M |
| Interest income | 8.65M | 8.19M | 9.55M | 9.67M | - |
| Net interest income | -11.14M | -10.39M | -11.31M | -15.37M | -17.67M |
| Income tax expense | 9.26M | 7.57M | 1.81M | 8.69M | 12.28M |
| Total revenue | 344.59M | 8.19M | 9.55M | 390.32M | 470.70M |
| Total operating expenses | 202.36M | -30.17M | -11.62M | 5.70M | -461.43M |
| Cost of revenue | 100.82M | 4.25M | 4.87M | 4.72M | 3.70M |
| Total other income expense net | 108.25M | -4.25M | -4.87M | -30.67M | 42.53M |
| Net income from continuing ops | 32.15M | 26.54M | 14.50M | 25.69M | 39.52M |
| Net income applicable to common shares | - | - | - | - | 39.52M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1561.84M | 1489.81M | 1415.70M | 1461.11M | 1547.59M |
| Intangible assets | 6.26M | 7.02M | 6.46M | 16.10M | 64.99M |
| Other current assets | 28.81M | -29.69M | 152.45M | 192.40M | 345.24M |
| Total liab | 1151.48M | 1151.02M | 1102.80M | 1168.33M | 1247.83M |
| Total stockholder equity | 410.37M | 338.78M | 312.90M | 292.79M | 299.77M |
| Other current liab | -25894.64M | -13.08M | -18170.29M | 30.71M | -14508.02M |
| Common stock | 44.86M | 42.51M | 46.04M | 43.30M | 41.02M |
| Capital stock | 44.86M | 42.51M | 40.10M | 43.30M | 41.02M |
| Retained earnings | 248.80M | 225.36M | 206.98M | 202.16M | 184.54M |
| Other liab | - | - | - | 966.57M | 961.33M |
| Good will | 5.25M | 5.25M | 5.25M | 5.25M | 5.25M |
| Other assets | - | 869.24M | - | 939.93M | 752.16M |
| Cash | 102.26M | 140.55M | 126.94M | 120.92M | 131.35M |
| Total current liabilities | 34.24M | 13.52M | 82.63M | 52.30M | 11.42M |
| Current deferred revenue | 22991.60M | 20168.40M | 18237.25M | 16.23M | 14508.02M |
| Net debt | -3.87M | -33.81M | -14.50M | 40.79M | 119.93M |
| Short term debt | 4.17M | 10.59M | 12.74M | - | 1.25M |
| Short long term debt | 4.17M | 10.59M | 7.73M | 0.00M | 1.25M |
| Short long term debt total | 98.39M | 106.74M | 112.44M | 161.71M | 251.29M |
| Other stockholder equity | 87.95M | 77.86M | 66.76M | 60.40M | 56.14M |
| Property plant equipment | - | - | - | 30.57M | 34.00M |
| Total current assets | 219.16M | 241.83M | 152.45M | 495.35M | 423.81M |
| Long term investments | 400.83M | 382.32M | 395.17M | 357.54M | 270.88M |
| Net tangible assets | - | - | - | 284.28M | 290.90M |
| Short term investments | 62.77M | 71.59M | 36.42M | 345.86M | 259.29M |
| Net receivables | 25.32M | 29.69M | 30.19M | 43.61M | 33.17M |
| Long term debt | 94.12M | 96.01M | 97.81M | 161.68M | 249.97M |
| Inventory | - | - | -193.55M | - | 8.98M |
| Accounts payable | 4.15M | 2.94M | 2.94M | 5.36M | 10.17M |
| Accumulated other comprehensive income | 28.76M | -6.95M | -6.89M | -13.07M | 18.07M |
| Non currrent assets other | 900.84M | 959.48M | 290.35M | -382.74M | -371.63M |
| Non current assets total | 1342.69M | 1247.98M | 1263.25M | 25.83M | 371.63M |
| Capital lease obligations | 0.09M | 0.15M | 0.02M | 0.03M | 0.06M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -7.48M | -43.13M | 14.61M | -37.16M | -63.61M |
| Change to liabilities | - | - | - | - | 0.00M |
| Total cashflows from investing activities | -67.21M | -43.13M | - | - | -63.61M |
| Net borrowings | -8.46M | 0.93M | - | - | -46.62M |
| Total cash from financing activities | -14.32M | -4.01M | -62.04M | -101.22M | -55.08M |
| Change to operating activities | - | - | - | - | -9.54M |
| Net income | 32.15M | 26.54M | 14.50M | 25.69M | 39.52M |
| Change in cash | -38.29M | 10.18M | 6.02M | -7.93M | 25.95M |
| Begin period cash flow | 140.55M | 139.92M | 120.92M | 141.41M | 115.47M |
| End period cash flow | 102.26M | 150.10M | 126.94M | 133.48M | 141.41M |
| Total cash from operating activities | 45.54M | 57.32M | 53.88M | 130.45M | 144.64M |
| Depreciation | 8.72M | 8.78M | 2.94M | 17.68M | 20.39M |
| Other cashflows from investing activities | -1.69M | -55.69M | - | - | 0.33M |
| Dividends paid | - | - | - | 0.14M | 1.08M |
| Sale purchase of stock | -1.61M | -3.05M | -2.85M | -7.66M | -5.77M |
| Other cashflows from financing activities | -4.36M | -1.88M | -3.08M | 55.70M | 104.31M |
| Change to netincome | - | - | - | - | 78.13M |
| Capital expenditures | 1.69M | 2.47M | 1.11M | 1.60M | 5.22M |
| Change in working capital | 37.85M | 34.91M | 27.66M | 26.55M | -9.54M |
| Stock based compensation | 1320.50M | 0.80M | 0.60M | 0.93M | 0.12M |
| Other non cash items | -33.18M | -14.02M | 14.66M | 69.56M | 82.84M |
| Free cash flow | 43.85M | 54.85M | 52.77M | 128.85M | 139.42M |
Sector: Financial Services Industry: Insurance - Life
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| SNFCA Security National Financial |
0.01 0.17% |
9.09 | 7.05 | 1.77 | 0.68 | 0.52 | 0.55 |
| PIAIF Ping An Insurance |
- -% |
6.67 | 5.78 | 5.15 | 0.13 | 0.85 | 1.31 |
| CILJF China Life Insurance Co Ltd |
- -% |
3.23 | 2.96 | 5.06 | 0.23 | 1.11 | 1.10 |
| AAGIY AIA Group Ltd ADR |
0.18 0.45% |
40.18 | 12.84 | 11.34 | 3.88 | 2.47 | 2.22 |
| AAIGF AIA Group Ltd |
- -% |
10.01 | 12.45 | 10.93 | 3.86 | 2.38 | 2.21 |
Security National Financial Corporation engages in the life insurance, cemetery and mortuary, and mortgage businesses. The company's Life Insurance segment is involved in selling and servicing lines of life insurance, annuity products, and accident and health insurance. It offers various life insurance products, including funeral plans and interest-sensitive life insurance, as well as other traditional life, accident, and health insurance products; and annuity products comprising single and flexible premium deferred annuities, and immediate annuities. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its cemetery and mortuary segment consists of eleven mortuaries and five cemeteries in the state of Utah, one cemetery in the state of California, and one cemetery and four mortuaries in the state of New Mexico. This segment also offers plots, interment vaults, mausoleum crypts, markers, caskets, urns, and other death care related products; and provides professional services of funeral directors, opening and closing of graves, use of chapels and viewing rooms, and use of automobiles and clothing, as well as engages in pre-need selling of funeral, cemetery, mortuary, and cremation services. The company's Mortgages segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Arizona, Nevada, Texas, and Utah. It offers residential mortgage lending services to real estate brokers and builders, as well as directly to consumers. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.
433 West Ascension Way, Salt Lake City, UT, United States, 84123
801 264 1060
1035
| Name | Title | Year Born |
|---|---|---|
| Mr. Scott Milton Quist | Chairman, Pres & CEO | 1953 |
| Mr. Garrett Stephen Sill | CFO & Treasurer | 1971 |
| Mr. Jeffrey Russell Stephens | Sr. Gen. Counsel & Corp. Sec. | 1954 |
| Mr. Scott Andrew Quist | VP, Gen. Counsel & Director | 1980 |
| Mr. Thayne D. Atkinson | VP & Chief Information Officer | NA |
| Ms. Christie Q. Overbaugh | Sr. VP of Life Insurance Internal Operations | 1949 |
| Mr. Jason Gary Overbaugh | VP, National Marketing Director of Life Insurance & Director | 1975 |
| Mr. Adam George Quist | VP of Memorial Services, Assistant Sec., Gen. Counsel & Director | 1986 |
| Mr. Matthew G. Bagley | Gen. Counsel | NA |
| Mr. Jeffrey P. Adams | Controller | NA |
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