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Upturn AI Summary - About
Security National Financial(SNFCA)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SNFCA
10/23/2026: SNFCA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Security National Financial Corporation is a diversified financial services holding company that operates across the life insurance, death care, and mortgage lending sectors. Its primary strength lies in the vertical integration of funeral services with insurance products, which helps create stable, regional revenue streams. The company's growth story is tied to its ability to manage cyclical mortgage demand while expanding its footprint in the death care industry. Investors must contend with risks including interest rate sensitivity, intense competition, and limited liquidity. This stock may suit value-oriented investors who appreciate its asset-backed nature and steady, long-term operational history, rather than those seeking high-yield dividends or rapid growth.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company exhibits slow, steady growth rather than rapid, scalable expansion. |
| Momentum investor | Weak fit | The stock lacks the high volatility and volume often required for short-term momentum strategies. |
| Value investor | Strong fit | The company often trades at modest valuation multiples relative to its asset base and book value. |
| Dividend investor | Weak fit | The company typically issues stock dividends rather than cash income, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, its mortgage segment introduces cyclical risks that may not suit conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can experience price swings tied to interest rate environments and financial sector sentiment. |
| Valuation risk | Low | Current valuations appear reasonable relative to the book value of the company's assets. |
| Competition risk (death care and insurance) | Medium / high | Large national insurers and death care providers command significant pricing power. |
| Business quality | Medium | The company operates a stable but capital-intensive model with limited moat. |
| Dividend income | Low / none | The lack of regular cash dividends limits appeal for income-dependent investors. |
| Execution risk | Medium | Success depends on managing interest rate sensitivity and maintaining regional market share. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 25.5% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 236.48M USD | Price to earnings Ratio 6.49 | 1Y Target Price - |
Price to earnings Ratio 6.49 | 1Y Target Price - | ||
Volume (30-day avg) 29.0K shares | Beta 0.64 | 52 Weeks Range 6.98 - 10.22 | Updated Date 10/23/2026 |
52 Weeks Range 6.98 - 10.22 | Updated Date 10/23/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.4 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Life Insurance | Premiums from whole life, universal life, and annuity contracts. | Steady, predictable income from policy premiums. |
| Cemetery and Mortuary | At-need and pre-need funeral services and cemetery property sales. | Regional service revenue that is less sensitive to economic cycles. |
| Mortgage Lending | Origination fees and servicing income from residential mortgages. | Cyclical revenue highly dependent on interest rates and housing volume. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 6.49 | Forward PE 1.77 | Enterprise Value 187.46M | Price to Sales(TTM) 0.7 |
Enterprise Value 187.46M | Price to Sales(TTM) 0.7 | ||
Enterprise Value to Revenue 0.56 | Enterprise Value to EBITDA - | Shares Outstanding 22.37M | Shares Floating 14.23M |
Shares Outstanding 22.37M | Shares Floating 14.23M | ||
Percent Insiders 25.46 | Percent Institutions 42.34 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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