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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Security National Financial's Debt-to-EBITDA or its related term are showing as below:
SNFCA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.8 Med: 3.32 Max: 6.72
Current: 2.11
During the past 13 years, the highest Debt-to-EBITDA Ratio of Security National Financial was 6.72. The lowest was 1.80. And the median was 3.32.
SNFCA's Debt-to-EBITDA is ranked worse than 70.31% of 320
companies
in the Insurance industry
Industry Median: 1.19
vs SNFCA: 2.11
Security National Financial (NAS:SNFCA) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Security National Financial Debt-to-EBITDA Related Terms
Security National Financial Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SNFCA vs CIA, UTGN, KCLI: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, Security National Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Security National Financial Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Security National Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Security National Financial's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Security National Financial (SNFCA) has a Debt-to-EBITDA of 2.56 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Security National Financial. This is 23% below median its historical median of 3.32. Over the past decade, Security National Financial's Debt-to-EBITDA has ranged from 1.80 to 6.72. According to the industry distribution chart, Security National Financial ranks #225 out of 320 companies in the Insurance industry, placing it in the top 70.3%.
Is Security National Financial's Debt-to-EBITDA too high?
Security National Financial's current Debt-to-EBITDA of 2.56 is 23% below median its 10-year median of 3.32. Over the past 10 years, this metric has ranged from a low of 1.80 to a high of 6.72. The Insurance industry median Debt-to-EBITDA is 1.19. Security National Financial's value of 2.56 is 115.1% above this industry median. Based on the distribution chart, Security National Financial ranks #225 out of 320 companies in the Insurance industry, which is below the industry midpoint. Overall, Security National Financial has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Security National Financial's Debt-to-EBITDA compare to CIA and UTGN?
According to the Insurance industry distribution chart, Security National Financial ranks #225 out of 320 companies for Debt-to-EBITDA. This places Security National Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Security National Financial's value of 2.56 is 115.1% above this benchmark. Historically, Security National Financial's own Debt-to-EBITDA has ranged from 1.80 to 6.72 over the past decade. While the company's 10-year median is 3.32 vs. the industry median of 1.19, Security National Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security National Financial's current Debt-to-EBITDA of 2.56 is 115.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Security National Financial. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security National Financial's current Debt-to-EBITDA is 2.56, which is 23% below median its own 10-year median of 3.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security National Financial stock overvalued right now?
Based on GuruFocus' analysis, Security National Financial (SNFCA) is currently considered Fairly Valued. The stock's GF Value™ is $10.62, compared to a current price of $9.57 — trading 9.9% below its estimated fair value. The current Debt-to-EBITDA is 2.56, which is 23% below median its 10-year median of 3.32 and 115.1% above the Insurance industry median of 1.19. Security National Financial's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Security National Financial (SNFCA), the current Debt-to-EBITDA is 2.56 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Security National Financial (SNFCA) Overvalued in 2026?
Based on GuruFocus' analysis, Security National Financial stock appears to be undervalued.
The current stock price of $9.57 is trading 9.9% below its estimated GF Value™ of $10.62.
GuruFocus considers Security National Financial to be Fairly Valued.
Key valuation signals for SNFCA:
Debt-to-EBITDA: 2.56 (23% below median its 10-year median of 3.32)
GF Value™: $10.62 vs. price of $9.57 (9.9% below fair value)
Industry Position: 115.1% above the Insurance median (#225 of 320)
No single metric tells the full story. See the SNFCA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security National Financial Corp is a holding company providing insurance services. The company operates in three reportable business segments: Life insurance, Cemetery and Mortuary, and Mortgages. The life insurance segment sells and services selected lines of life insurance, annuity products, and accident and health insurance. The cemetery and mortuary segment engages in pre-need selling of funeral, cemetery, mortuary, and cremation services through its cemetery and mortuary locations. The mortgage segment originates and underwrites or otherwise purchases residential and commercial loans for new construction, existing homes, and other real estate projects. It derives the majority of revenue from Life Insurance segment.
66GF Score
Get the complete analysis for SNFCA
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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