/
Security National Financial Corporation (the Company ) operates in three reportable business segments: life insurance, cemetery and mortuary, and mortgages. The life insurance segment is engaged in the business of selling and servicing selected lines of life insurance, annuity products, and accident and health insurance.
Net margin is thin at 9.33%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue growth slowed to 3.0%, essentially flat. This is a business that needs a catalyst.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$342M
▲ +3.0% YoY
Net Income (TTM)
$35M
▲ +10.4% YoY
Net Margin
10.19%
P/E
—
Balance Sheet
Total Assets
$1.58B
Equity
$426M
Total Debt
$152M
Cash & Equiv.
$518M
5Y CAGR: -6.5%
Continue Research