Security National Financial Corporation

SNFCA

Insurance - Life · Financial Services

Exchange

NASDAQ

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Weak

Growth

Good

Cash Flow

Exceptional

Stability

Weak

Valuation

Good

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Winston Score History

The full picture

Security National Financial Corporation is a small financial services company based in Utah that sells life insurance policies and provides funeral and cemetery services. Its main customers are everyday families looking for life insurance coverage or pre-planned funeral arrangements. The company also operates a mortgage lending division, helping people get home loans.

The company makes money through life insurance premiums, fees from mortgage originations, and revenue from its funeral home and cemetery properties. It operates primarily in the western United States and is a small, niche player with a market cap of around $200 million. The combination of insurance, mortgages, and death-care services under one roof is unusual, but it also means the company is exposed to multiple risks at once — particularly rising interest rates, which can hurt both its mortgage business and the value of its insurance investment portfolio.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

>+1,000% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+30.8% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

36.9%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$0 cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Security National Financial Corporation grew revenue 3546703% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

0.0%

Thin — 0.0% gross margin

Profit after running costs

Operating Margin

0.0%

Thin — 0.0% operating margin

Return on the money invested

ROCE

0.0%

Weak — 0.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

>+1,000%

Fast-growing sales (>+1,000% YoY)

Profit growth

EPS YoY

+69.1%

Earnings growing fast (+69.1% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

410%

Turns 410% of profit into real cash

Spare cash per sale

FCF Margin

43.4%

Converts sales into free cash efficiently (43.4%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

0.03x

Dangerous — barely covers interest (0.0x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

5.7x

no trend

Attractive valuation — P/E 5.7

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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