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SECURITY NATIONAL FINANCIAL CORP

SNFCA Clue Score37
United States Fiscal year ends December CIK 0000318673
$9.18 +0.00% Close, 9 Oct 2026
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Price $9.18 +11.95% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue304.3Net income12.2EPS, diluted0.77Fiscal year 2017Revenue276.9 −9.0%Net income14.1 +15.8%EPS, diluted0.82 +6.5%Fiscal year 2018Revenue279.6 +1.0%Net income21.7 +53.7%EPS, diluted1.19 +45.1%Fiscal year 2019Revenue283.1 +1.2%Net income10.9 −49.8%EPS, diluted0.58 −51.3%Fiscal year 2020Revenue481.5 +70.1%Net income55.6 +410.4%EPS, diluted2.74 +372.4%Fiscal year 2021Revenue470.7 −2.2%Net income39.5 −28.9%EPS, diluted1.80 −34.3%Fiscal year 2022Revenue389.7 −17.2%Net income25.7 −35.0%EPS, diluted1.12 −37.8%Fiscal year 2023Revenue318.5 −18.3%Net income14.5 −43.6%EPS, diluted0.61 −45.5%Fiscal year 2024Revenue334.5 +5.0%Net income29.1 +100.9%EPS, diluted1.16 +90.2%Fiscal year 2025Revenue344.6 +3.0%Net income32.2 +10.4%EPS, diluted1.26 +8.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 304.3 276.9 279.6 283.1 481.5 470.7 389.7 318.5 334.5 344.6
Growth −9.0% +1.0% +1.2% +70.1% −2.2% −17.2% −18.3% +5.0% +3.0%
Net income 12.2 14.1 21.7 10.9 55.6 39.5 25.7 14.5 29.1 32.2
Growth +15.8% +53.7% −49.8% +410.4% −28.9% −35.0% −43.6% +100.9% +10.4%
EPS, diluted 0.77 0.82 1.19 0.58 2.74 1.80 1.12 0.61 1.16 1.26
Growth +6.5% +45.1% −51.3% +372.4% −34.3% −37.8% −45.5% +90.2% +8.6%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin4.0%Free cash flow margin10.5%Fiscal year 2017Net margin5.1%Free cash flow margin16.3%Fiscal year 2018Net margin7.8%Free cash flow margin2.0%Fiscal year 2019Net margin3.8%Free cash flow margin−27.4%Fiscal year 2020Net margin11.5%Free cash flow margin−27.3%Fiscal year 2021Net margin8.4%Free cash flow margin29.6%Fiscal year 2022Net margin6.6%Free cash flow margin33.1%Fiscal year 2023Net margin4.6%Free cash flow margin16.6%Fiscal year 2024Net margin8.7%Free cash flow margin16.4%Fiscal year 2025Net margin9.3%Free cash flow margin12.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 4.0% 5.1% 7.8% 3.8% 11.5% 8.4% 6.6% 4.6% 8.7% 9.3%
Free cash flow margin 10.5% 16.3% 2.0% −27.4% −27.3% 29.6% 33.1% 16.6% 16.4% 12.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow35.5Capital expenditure−3.6Free cash flow32.0Fiscal year 2017Operating cash flow44.3Capital expenditure0.9Free cash flow45.2 +41.5%Fiscal year 2018Operating cash flow7.0Capital expenditure−1.3Free cash flow5.7 −87.3%Fiscal year 2019Operating cash flow−75.6Capital expenditure−1.8Free cash flow−77.4 −1,452.3%Fiscal year 2020Operating cash flow−129.6Capital expenditure−1.6Free cash flow−131.3Buybacks−3.0Fiscal year 2021Operating cash flow144.6Capital expenditure−5.2Free cash flow139.4Buybacks−5.8Fiscal year 2022Operating cash flow130.5Capital expenditure−1.6Free cash flow128.9 −7.6%Buybacks−7.7Fiscal year 2023Operating cash flow53.9Capital expenditure−1.1Free cash flow52.8 −59.0%Buybacks−2.8Fiscal year 2024Operating cash flow57.3Capital expenditure−2.5Free cash flow54.8 +4.0%Buybacks−3.1Fiscal year 2025Operating cash flow45.5Capital expenditure−1.7Free cash flow43.8 −20.1%Buybacks−1.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 35.5 44.3 7.0 −75.6 −129.6 144.6 130.5 53.9 57.3 45.5
Capital expenditure −3.6 0.9 −1.3 −1.8 −1.6 −5.2 −1.6 −1.1 −2.5 −1.7
Free cash flow 32.0 45.2 5.7 −77.4 −131.3 139.4 128.9 52.8 54.8 43.8
Growth +41.5% −87.3% −1,452.3% −7.6% −59.0% +4.0% −20.1%
Buybacks n/a n/a n/a n/a −3.0 −5.8 −7.7 −2.8 −3.1 −1.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash39.0Shareholders’ equity132.6Fiscal year 2017Cash45.3Shareholders’ equity148.6Fiscal year 2018Cash142.2Shareholders’ equity171.8Fiscal year 2019Cash127.8Shareholders’ equity196.7Fiscal year 2020Cash106.2Total debt253.8Net cash (debt)−147.6Shareholders’ equity264.0Debt to equity0.96Fiscal year 2021Cash131.4Total debt280.3Net cash (debt)−149.0Shareholders’ equity299.8Debt to equity0.94Fiscal year 2022Cash120.9Shareholders’ equity292.8Fiscal year 2023Cash126.9Shareholders’ equity312.9Fiscal year 2024Cash140.5Shareholders’ equity381.9Fiscal year 2025Cash102.3Shareholders’ equity410.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 39.0 45.3 142.2 127.8 106.2 131.4 120.9 126.9 140.5 102.3
Total debt n/a n/a n/a n/a 253.8 280.3 n/a n/a n/a n/a
Net cash (debt) n/a n/a n/a n/a −147.6 −149.0 n/a n/a n/a n/a
Shareholders’ equity 132.6 148.6 171.8 196.7 264.0 299.8 292.8 312.9 381.9 410.4
Debt to equity n/a n/a n/a n/a 0.96 0.94 n/a n/a n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
304.3 276.9 279.6 283.1 481.5 470.7 389.7 318.5 334.5 344.6
Growth −9.0% +1.0% +1.2% +70.1% −2.2% −17.2% −18.3% +5.0% +3.0%
1.8 1.9 2.2 2.9 3.3 3.7 4.7 4.8 4.8 4.7
19.7 7.5 26.2 13.9 71.5 51.8 34.4 16.3 37.4 41.4
7.5 −6.6 4.5 3.1 15.9 12.3 8.7 1.8 8.3 9.3
12.2 14.1 21.7 10.9 55.6 39.5 25.7 14.5 29.1 32.2
Growth +15.8% +53.7% −49.8% +410.4% −28.9% −35.0% −43.6% +100.9% +10.4%
Per share
0.78 0.84 1.21 0.59 2.81 1.87 1.16 0.63 1.19 1.30
0.77 0.82 1.19 0.58 2.74 1.80 1.12 0.61 1.16 1.26
Growth +6.5% +45.1% −51.3% +372.4% −34.3% −37.8% −45.5% +90.2% +8.6%
15.6 16.8 18.0 18.6 19.8 21.1 22.2 23.2 24.5 24.7
15.9 17.1 18.2 18.7 20.3 22.0 23.0 23.8 25.2 25.5
Growth +7.6% +6.2% +2.8% +8.4% +8.4% +4.9% +3.4% +5.8% +1.2%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue shrank 6.5% a year over five years, and earnings per share fell 14.4% a year.
  • The diluted share count rose 25.8% in five years, which is dilution.
  • Profitable in every one of the 10 years on file.