What is Security Natl's earnings per share (EPS)?

Security Natl (SNFCA) reported diluted earnings per share of $1.26 for fiscal year 2025. This represents a 8.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Security Natl Financials

SNFCA

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Security Natl (SNFCA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SNFCA FY2025 2026-05-11

A low-capex cash engine is rebuilding profitability while still operating through a liability-heavy, equity-thin balance sheet.

Between FY2023 and FY2025, net income climbed from $14.5M to $32.2M, showing the earlier earnings slump reversed rather than deepened. But free cash flow margin narrowed from 16.6% to 12.7%, so the recovery was real on the income statement yet less forceful in cash generation.

Capex was only $1.7M against $45.5M of operating cash flow in FY2025, continuing a multi-year pattern where free cash flow stays close to operating cash flow. That is the signature of a capital-light operating model: maintaining the business does not appear to consume much cash, so free cash flow depends more on operating conditions and balance-sheet movements than on mandatory reinvestment.

Liabilities represented 73.7% of assets in FY2025, so the company still runs with a liability-funded balance sheet rather than a large equity buffer. Even so, debt-to-equity improved from 4.0x in FY2022 to 2.8x in FY2025, which points to a gradually thickening capital cushion rather than a business leaning harder on leverage to produce returns.

Financial Health Signals

Financial Health Score 31/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Security Natl's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Capital

Combined Ratio

Stability

Key Financial Metrics

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Earnings & Revenue

Revenue

$344.6M

YoY+3.0%

5Y CAGR-6.5%

10Y CAGR+2.1%

Security Natl generated $344.6M in revenue in fiscal year 2025. This represents an increase of 3.0% from the prior year.

EBITDA

N/A

Net Income

N/A

EPS (Diluted)

$1.26

YoY+8.6%

5Y CAGR-14.4%

10Y CAGR+3.5%

Security Natl earned $1.26 per diluted share (EPS) in fiscal year 2025. This represents an increase of 8.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$43.8M

YoY-20.1%

Security Natl generated $43.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 20.1% from the prior year.

Cash & Debt

$102.3M

YoY-27.2%

5Y CAGR-0.8%

10Y CAGR+9.8%

Security Natl held $102.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.6M

YoY-47.3%

5Y CAGR-11.5%

Security Natl spent $1.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 47.3% from the prior year.

Capital Expenditures

$1.7M

YoY-31.5%

5Y CAGR+0.7%

10Y CAGR-7.4%

Security Natl invested $1.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 31.5% from the prior year.

SNFCA Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$344.6M+3.0%	$334.5M+5.0%	$318.5M-18.3%	$389.7M-17.2%	$470.7M-2.2%	$481.5M
Cost of Revenue	$4.7M-3.0%	$4.8M0.0%	$4.8M+1.8%	$4.7M+27.5%	$3.7M+13.9%	$3.3M
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$4.5M+6.2%	$4.3M-12.6%	$4.9M-37.9%	$7.8M+9.9%	$7.1M-16.9%	$8.6M
Income Tax	$9.3M+12.1%	$8.3M+357.2%	$1.8M-79.2%	$8.7M-29.3%	$12.3M-22.5%	$15.9M
Net Income	N/A	N/A	N/A	$25.7M-35.0%	$39.5M-28.9%	$55.6M
EPS (Diluted)	$1.26+8.6%	$1.16+90.2%	$0.61-45.5%	$1.12-37.8%	$1.80-34.3%	$2.74

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$79.7M-3.9%	$83.0M-7.1%	$89.3M-0.2%	$89.5M+8.2%	$82.7M+4.4%	$79.3M-10.2%	$88.3M+2.9%	$85.8M
Cost of Revenue	$1.2M+8.8%	$1.1M+1.9%	$1.1M-4.0%	$1.2M-7.5%	$1.3M+6.5%	$1.2M+5.3%	$1.1M-9.5%	$1.2M
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$996K-4.2%	$1.0M-2.5%	$1.1M-17.5%	$1.3M+15.5%	$1.1M+2.5%	$1.1M+3.0%	$1.1M-1.2%	$1.1M
Income Tax	$2.1M-36.9%	$3.3M+39.1%	$2.3M+27.7%	$1.8M-0.3%	$1.8M+201.7%	$609K-82.0%	$3.4M+59.7%	$2.1M
Net Income	$7.0M	N/A	$7.8M+20.1%	$6.5M+1.4%	$6.4M	N/A	$11.8M+62.7%	$7.3M
EPS (Diluted)	$0.27	N/A	$0.31+24.0%	$0.250.0%	$0.25	N/A	$0.47+62.1%	$0.29

SNFCA Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.6B+4.5%	$1.5B+4.5%	$1.4B-2.1%	$1.5B-5.6%	$1.5B-0.1%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$102.3M-27.2%	$140.5M+10.7%	$126.9M+5.0%	$120.9M-7.9%	$131.4M+23.7%	$106.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$15.6M-1.6%	$15.9M+3.4%	$15.3M-46.3%	$28.6M+56.0%	$18.3M+68.0%	$10.9M
Goodwill	$5.3M0.0%	$5.3M0.0%	$5.3M0.0%	$5.3M0.0%	$5.3M+49.3%	$3.5M
Total Liabilities	$1.2B+3.5%	$1.1B-0.5%	$1.1B-4.3%	$1.2B-6.4%	$1.2B-2.9%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	$280.3M+10.5%	$253.8M
Total Equity	$410.4M+7.5%	$381.9M+22.1%	$312.9M+6.9%	$292.8M-2.3%	$299.8M+13.6%	$264.0M
Retained Earnings	$248.8M+9.2%	$227.8M+10.1%	$207.0M+2.4%	$202.2M+9.5%	$184.5M+20.0%	$153.7M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.6B+1.2%	$1.6B-0.1%	$1.6B+1.2%	$1.5B+1.3%	$1.5B+2.0%	$1.5B0.0%	$1.5B+2.3%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$150.1M+46.8%	$102.3M+1.9%	$100.4M+26.6%	$79.3M-40.3%	$132.9M-5.4%	$140.5M-17.7%	$170.7M+18.8%	$143.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$16.2M+3.8%	$15.6M+3.4%	$15.1M-2.4%	$15.5M-3.0%	$15.9M+0.5%	$15.9M-3.6%	$16.5M+17.8%	$14.0M
Goodwill	$5.3M0.0%	$5.3M0.0%	$5.3M0.0%	$5.3M0.0%	$5.3M0.0%	$5.3M0.0%	$5.3M0.0%	$5.3M
Total Liabilities	$1.2B+0.3%	$1.2B-3.9%	$1.2B+0.7%	$1.2B+1.0%	$1.2B+5.9%	$1.1B-3.1%	$1.1B+1.2%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$425.5M+3.7%	$410.4M+12.3%	$365.4M+3.0%	$354.8M-7.9%	$385.3M+0.9%	$381.9M+10.3%	$346.3M+6.3%	$325.8M
Retained Earnings	$255.8M+2.8%	$248.8M+6.8%	$232.9M+3.5%	$225.0M-3.9%	$234.2M+2.8%	$227.8M+1.1%	$225.4M+5.5%	$213.6M

SNFCA Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$45.5M-20.6%	$57.3M+6.4%	$53.9M-58.7%	$130.5M-9.8%	$144.6M+211.6%	-$129.6M
Capital Expenditures	$1.7M-31.5%	$2.5M+122.5%	$1.1M-30.6%	$1.6M-69.3%	$5.2M+220.1%	$1.6M
Free Cash Flow	$43.8M-20.1%	$54.8M+4.0%	$52.8M-59.0%	$128.9M-7.6%	$139.4M+206.2%	-$131.3M
Investing Cash Flow	-$67.2M-55.8%	-$43.1M-395.3%	$14.6M+139.3%	-$37.2M+41.6%	-$63.6M-276.0%	$36.1M
Financing Cash Flow	-$14.3M-257.5%	-$4.0M+93.5%	-$62.0M+38.7%	-$101.2M-83.8%	-$55.1M-177.3%	$71.2M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$1.6M-47.3%	$3.1M+7.3%	$2.8M-62.9%	$7.7M+32.8%	$5.8M+94.4%	$3.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$32.9M+83.1%	$18.0M-29.9%	$25.6M+433.9%	-$7.7M-180.1%	$9.6M-57.3%	$22.4M-16.3%	$26.8M+257.8%	-$17.0M
Capital Expenditures	$190K+90.1%	$100K-85.9%	$707K+59.9%	$443K+0.2%	$442K-76.7%	$1.9M+1142.1%	$153K-8.7%	$167K
Free Cash Flow	$32.8M+83.1%	$17.9M-28.3%	$24.9M+407.0%	-$8.1M-188.8%	$9.1M-55.5%	$20.5M-22.9%	$26.6M+255.4%	-$17.1M
Investing Cash Flow	$7.7M+5.5%	$7.3M+452.6%	-$2.1M+95.2%	-$43.2M-47.5%	-$29.3M+50.3%	-$58.9M-2535.2%	$2.4M-79.3%	$11.7M
Financing Cash Flow	$7.3M+128.4%	-$25.8M-1826.8%	-$1.3M+34.0%	-$2.0M-113.7%	$14.9M+740.2%	-$2.3M-176.3%	$3.0M+218.1%	-$2.6M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$786K+14350.3%	$5K-98.6%	$401K-58.3%	$961K+296.8%	$242K-82.5%	$1.4M+3105.0%	$43K-97.3%	$1.6M

SNFCA Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	6.6%-1.8pp	8.4%-3.1pp	11.6%
Return on Equity	N/A	N/A	N/A	8.8%-4.4pp	13.2%-7.9pp	21.1%
Return on Assets	N/A	N/A	N/A	1.8%-0.8pp	2.5%-1.0pp	3.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.81-0.1	2.91-0.7	3.57-0.4	3.99+3.1	0.94-0.0	0.96
FCF Margin	12.7%-3.7pp	16.4%-0.2pp	16.6%-16.5pp	33.1%+3.4pp	29.6%+56.9pp	-27.3%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	8.8%	N/A	8.8%+1.5pp	7.3%-0.5pp	7.8%	N/A	13.4%+4.9pp	8.5%
Return on Equity	1.7%	N/A	2.1%+0.3pp	1.8%+0.2pp	1.7%	N/A	3.4%+1.2pp	2.2%
Return on Assets	0.4%	N/A	0.5%+0.1pp	0.4%0.0pp	0.4%	N/A	0.8%+0.3pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.71-0.1	2.81-0.5	3.28-0.1	3.35+0.3	3.06+0.1	2.91-0.4	3.32-0.2	3.48
FCF Margin	41.1%+19.5pp	21.6%-6.4pp	27.9%+37.0pp	-9.1%-20.1pp	11.1%-14.9pp	25.9%-4.3pp	30.2%+50.2pp	-20.0%

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Frequently Asked Questions

What is Security Natl's annual revenue?

Security Natl (SNFCA) reported $344.6M in total revenue for fiscal year 2025. This represents a 3.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Security Natl's revenue growing?

Security Natl (SNFCA) revenue grew by 3% year-over-year, from $334.5M to $344.6M in fiscal year 2025.

What is Security Natl's free cash flow?

Security Natl (SNFCA) generated $43.8M in free cash flow during fiscal year 2025. This represents a -20.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Security Natl's operating cash flow?

Security Natl (SNFCA) generated $45.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Security Natl's total assets?

Security Natl (SNFCA) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Security Natl's capital expenditures?

Security Natl (SNFCA) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Security Natl buy back shares?

Yes, Security Natl (SNFCA) spent $1.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Security Natl's debt-to-equity ratio?

Security Natl (SNFCA) had a debt-to-equity ratio of 2.81 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

How financially healthy is Security Natl?

Security Natl (SNFCA) scores 31 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.