Stocks · Financial Services · Insurance - Life
Security National Financial Corporation SNFCA
$9.07 +3.07% Close, Oct 2, 2026 · NASDAQ · Market cap $203.1M
Strong growthHigh qualityInexpensive vs sector
Next earnings report: Nov 9, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was $249.1M, up 178.2% from a year earlier, accelerating from 87.3% a quarter earlier.
- Operating margin narrowed to 19.4% from 32.4% a year earlier.
- Diluted EPS over the last four quarters was $1.54, up 67.7% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 3%
- EPS growth (TTM, YoY)Top 17%
- FCF growth (TTM, YoY)Top 26%
- Revenue growth, 3-year CAGRTop 1%
- Revenue growth accelerationTop 2%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 40%
- Gross marginTop 37%
- Operating marginBottom 45%
- Cash conversion (OCF / net income)Top 17%
- Accruals (lower is better)Top 22%
- Net debt / EBITDA (lower is better)Top 19%
- Interest coverTop 13%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 6%
- Free-cash-flow yieldTop 6%
- EBITDA / enterprise valueTop 4%
- Sales / enterprise valueTop 6%
- P/E vs own 5-year history (lower is better)Top 36%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 49%
- 6-month returnBottom 21%
- 1-year return vs S&P 500Top 41%
- Distance from 52-week highBottom 47%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 30%
- Maximum drawdown, 3 yearsBottom 23%
- Beta vs S&P 500 (lower is better)Bottom 16%
- Net debt / EBITDA (lower is better)Top 19%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 87.3% | 178.2% | ↑ |
| EPS growth (YoY) | 52.4% | 67.7% | ↑ |
| Gross margin | 94.8% | 70.1% | ↓ |
| Operating margin | 32.4% | 19.4% | ↓ |
| FCF margin | 53.8% | 31.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 178.2% | 87.3% | ↑ | Top 3% |
| EPS growth (TTM, YoY) | 67.7% | 52.4% | ↑ | Top 17% |
| Gross margin | 70.1% | 94.8% | ↓ | Top 37% |
| Operating margin | 19.4% | 32.4% | ↓ | Bottom 45% |
| Net margin | 15.0% | 25.3% | ↓ | — |
| Free-cash-flow margin | 31.8% | 53.8% | ↓ | — |
| Return on invested capital | 2.8% | — | Top 40% | |
| Revenue growth, 3-year CAGR | 229.1% | — | Top 1% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.16×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -2.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -257.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.76×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 11.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.82%
- Shareholder yield
- 0.82%
- Share count change, 1 year
- +5.3%
- Share count change, 3-year CAGR
- +4.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 4 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 10, 2026 | — | -3.3% | -3.7% | -6.3% | — |
| May 11, 2026 | — | -3.1% | -6.6% | -5.8% | -4.1% |
| Mar 16, 2026 | — | +8.0% | +11.1% | +13.4% | +17.3% |
| Nov 13, 2025 | — | +1.5% | -3.5% | +10.1% | +10.4% |
| Aug 14, 2025 | — | -1.8% | -9.6% | -6.7% | -13.8% |
| May 15, 2025 | — | -0.4% | -7.4% | -9.7% | -15.7% |
| Apr 7, 2025 | — | -3.8% | -4.4% | +6.8% | +1.5% |
| Nov 14, 2024 | — | +4.7% | +18.8% | +30.1% | +28.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 10, 2026 | $0.33 | — | — | $83.9M |
| May 11, 2026 | $0.26 | — | — | $79.7M |
| Mar 16, 2026 | $0.53 | — | — | $83.0M |
| Nov 13, 2025 | $0.31 | — | — | $2.5M |
| Aug 14, 2025 | $0.25 | — | — | $2.4M |
| May 15, 2025 | $0.17 | — | — | $82.7M |
| Apr 7, 2025 | $0.11 | — | — | $2.1M |
| Nov 14, 2024 | $0.47 | — | — | $2.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 5.9× | 6.5× | 38th | Top 6% |
| EV / EBITDA | 3.0× | — | — | Top 4% |
| EV / Sales | 0.65× | — | — | Top 6% |
| Free-cash-flow yield | 39.03% | — | — | Top 6% |
| Earnings yield | 16.98% | — | — | Top 6% |
P/E over the past five years
Range 1.6× – 14.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +11.6%
- Earnings per share growth (TTM)
- +67.7%
- Change in P/E multiple
- -36.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -4.2%
- 200-day average slope (20 days)
- +0.7%
- Distance from 50-day average
- +0.8%
- Distance from 200-day average
- -0.1%
- RSI (14)
- 59.1
- Relative volume
- 1.28×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 28.8%
- Volatility vs own 5-year history
- 17th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.12
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -9.4%
- Maximum drawdown, 3 years
- -42.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 6, 2025 | Nov 17, 2025 | -42.4% | 196 days | Not yet recovered |
| Apr 8, 2022 | Mar 23, 2023 | -39.2% | 239 days | 188 days (Dec 20, 2023) |
| Dec 21, 2023 | May 1, 2024 | -32.2% | 89 days | 103 days (Sep 27, 2024) |
| Mar 19, 2021 | Jun 23, 2021 | -26.2% | 66 days | 186 days (Mar 18, 2022) |
| Dec 4, 2024 | Jan 14, 2025 | -15.7% | 26 days | 16 days (Feb 6, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $203.1M
- P/E (TTM)
- 5.9
- EPS, diluted (TTM)
- $1.54
- Revenue (TTM)
- $249.1M
- 52-week range
- $7.33 – $10.23
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $9.4M | $9.7M | $9.5M | $8.2M | $344.6M |
| Gross profit | $2.3M | $1.8M | $4.7M | $3.9M | $243.8M |
| Operating income | $51.8M | $34.4M | $16.3M | $34.1M | $41.4M |
| Net income | $39.5M | $25.7M | $14.5M | $26.5M | $32.2M |
| EPS (diluted) | $1.63 | $1.17 | $0.61 | $1.06 | $1.26 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.4M | $2.1M | $82.7M | $2.4M | $2.5M | $83.0M | $79.7M | $83.9M |
| Net income | $11.8M | -$41,747 | $4.3M | $6.5M | $7.8M | $13.5M | $7.0M | $9.0M |
| EPS (diluted) | $0.49 | -$0.00 | $0.18 | $0.25 | $0.31 | $0.63 | $0.27 | $0.33 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $144.6M | $130.5M | $53.9M | $57.3M | $45.5M |
| Capital expenditure | -$5.2M | -$1.6M | -$1.1M | -$2.5M | -$1.7M |
| Free cash flow | $139.4M | $128.9M | $52.8M | $54.8M | $43.8M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$5.8M | -$7.7M | -$2.8M | -$3.1M | -$1.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $193.6M
- Total assets
- $1.61B
- Total liabilities
- $1.18B
- Total debt
- $122.2M
- Net debt
- -$41.2M
- Shareholders’ equity
- $433.0M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jun 12, 2003 | $0.15 | Jul 1, 2003 |
| Jan 25, 1993 | $0.12 | — |
| Sep 9, 1992 | $0.13 | — |
Short interest
- Shares sold short
- 243,461
- Days to cover
- 9.30
- Change vs previous report
- -20.5%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 10, 2026
- 21-for-20
- Jul 11, 2025
- 21-for-20
- Jul 5, 2024
- 21-for-20
- Jul 6, 2023
- 21-for-20
- Jun 30, 2022
- 21-for-20