Security National Financials

SNFCA Stock  USD 12.80  0.18  1.43%   
Based on the analysis of Security National's profitability, liquidity, and operating efficiency, Security National Financial is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. At present, Security National's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 328.5 M, whereas Short and Long Term Debt Total is forecasted to decline to about 74.8 M. Key indicators impacting Security National's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.02810.0455
Way Down
Pretty Stable
Return On Assets0.00940.0102
Significantly Down
Very volatile
Return On Equity0.0570.0463
Fairly Up
Pretty Stable
Debt Equity Ratio0.380.3475
Significantly Up
Slightly volatile
Current Ratio1.461.5349
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for Security National includes many different criteria found on its balance sheet. An individual investor should monitor Security National's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Security National.

Net Income

8.26 Million

  
Understanding current and past Security National Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Security National's financial statements are interrelated, with each one affecting the others. For example, an increase in Security National's assets may result in an increase in income on the income statement.
Please note, the presentation of Security National's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Security National's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Security National's management manipulating its earnings.

Security National Stock Summary

Security National competes with Guild Holdings, Encore Capital, PennyMac Finl, CNFinance Holdings, and Mr Cooper. Security National Financial Corporation engages in the life insurance, cemetery and mortuary, and mortgage businesses. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah. Security Natl operates under Mortgage Finance classification in the United States and is traded on NASDAQ Exchange. It employs 1619 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS8147853092
CUSIP814785309
LocationUtah; U.S.A
Business Address433 West Ascension
SectorFinancial Services
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.securitynational.com
Phone801 264 1060
CurrencyUSD - US Dollar

Security National Key Financial Ratios

Security National Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.3B1.5B1.5B1.5B1.4B1.5B
Net Debt89.8M191.6M119.9M40.8M(21.4M)(20.3M)
Retained Earnings101.3M153.7M184.5M202.2M207.0M217.3M
Other Assets399.1M745.4M752.2M939.9M(37.5M)(39.4M)
Total Liab1.1B1.3B1.2B1.2B1.1B1.2B
Net Receivables25.0M26.5M33.2M43.6M30.2M26.2M
Total Current Assets516.0M427.3M423.8M495.4M152.4M144.8M
Intangible Assets28.4M45.5M65.0M16.1M6.5M6.1M
Other Current Liab(12.6B)(13.1B)(202.5M)(115.2M)(29.4M)(28.0M)
Accounts Payable5.1M8.9M10.2M5.4M2.9M3.0M
Cash127.8M106.2M131.4M120.9M126.9M133.3M
Common Stock37.2M38.6M41.0M43.3M46.0M24.3M
Other Current Assets246.7M151.3M156.1M159.8M152.4M160.1M
Other Liab891.3M938.3M961.3M966.6M1.1B1.2B
Long Term Debt217.6M296.5M250.0M161.7M97.8M80.0M
Inventory(246.7M)(151.3M)(156.1M)(174.8M)(193.6M)(183.9M)
Treasury Stock(931.1K)(206.4K)(1.6M)(1.8M)(2.1M)(2.2M)
Net Tangible Assets193.2M259.2M290.9M284.3M326.9M174.3M
Long Term Debt Total157.5M187.5M217.6M297.8M342.5M359.6M

Security National Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense7.4M8.6M7.1M7.8M4.9M3.8M
Total Revenue283.1M481.5M470.7M390.3M318.5M174.7M
Gross Profit283.1M481.5M470.7M390.3M318.5M174.7M
Operating Income(11.5M)39.8M9.3M65.0M(27.2K)(25.8K)
Ebit(11.5M)80.0M58.9M41.1M21.1M13.4M
Ebitda707.0K93.9M75.7M52.7M24.1M17.4M
Net Income10.9M55.6M39.5M25.7M14.5M8.3M
Income Tax Expense3.1M15.9M12.3M8.7M1.8M2.7M
Income Before Tax13.9M71.5M51.8M34.4M16.3M13.2M
Tax Provision3.1M15.9M12.3M8.7M1.8M1.7M
Interest Income13.4M13.7M9.4M9.7M9.5M9.8M
Net Interest Income(13.7M)(18.5M)(17.7M)(15.4M)(11.3M)(11.9M)

Security National Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(13.2M)(22.3M)25.9M(7.9M)6.0M4.5M
Free Cash Flow(77.4M)(131.3M)139.4M128.9M52.8M55.4M
Depreciation12.2M17.3M20.4M17.7M2.9M5.0M
Other Non Cash Items(117.6M)(258.0M)82.8M69.6M10.7M11.2M
Capital Expenditures1.8M1.6M5.2M1.6M1.1M1.1M
Net Income10.9M55.6M39.5M25.7M14.5M9.5M
End Period Cash Flow137.7M115.5M141.4M133.5M126.9M133.3M
Investments(99.2M)36.1M(63.6M)(37.2M)14.6M13.9M
Net Borrowings295.2M(110.1M)80.1M(46.6M)(53.6M)(50.9M)
Change To Netincome4.5B53.6M(269.1M)78.1M89.8M85.4M

Security Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Security National's current stock value. Our valuation model uses many indicators to compare Security National value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Security National competition to find correlations between indicators driving Security National's intrinsic value. More Info.
Security National Financial is rated third in return on equity category among its peers. It is rated fifth in return on asset category among its peers reporting about  0.19  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Security National Financial is roughly  5.37 . At present, Security National's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Security National's earnings, one of the primary drivers of an investment's value.

Security National Systematic Risk

Security National's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Security National volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on Security National correlated with the market. If Beta is less than 0 Security National generally moves in the opposite direction as compared to the market. If Security National Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Security National is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Security National is generally in the same direction as the market. If Beta > 1 Security National moves generally in the same direction as, but more than the movement of the benchmark.

About Security National Financials

What exactly are Security National Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Security National's income statement, its balance sheet, and the statement of cash flows. Potential Security National investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Security National investors may use each financial statement separately, they are all related. The changes in Security National's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Security National's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
Today, most investors in Security National Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Security National's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Security National growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.27)

At present, Security National's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Security National November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Security National help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Security National Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Security National Financial based on widely used predictive technical indicators. In general, we focus on analyzing Security Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Security National's daily price indicators and compare them against related drivers.

Complementary Tools for Security Stock analysis

When running Security National's price analysis, check to measure Security National's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Security National is operating at the current time. Most of Security National's value examination focuses on studying past and present price action to predict the probability of Security National's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Security National's price. Additionally, you may evaluate how the addition of Security National to your portfolios can decrease your overall portfolio volatility.
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