Security National Financial (FRA:XSNA) E10: €1.02 (As of Mar. 2026)


FRA:XSNA Security National Financial Corp FRA:XSNA
66 GF Score
Price €8.15
GF Value €8.83
! 3 Warning Signs
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What is Security National Financial E10?

Security National Financial FRA:XSNA +0.62% 66 E10 is €1.02 as of Mar. 2026. GuruFocus rates FRA:XSNA with a GF Score™ of 66/100 and a GF Value™ of €8.83. The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Security National Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.234. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €1.02 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Security National Financial's average E10 Growth Rate was 7.90% per year. During the past 3 years, the average E10 Growth Rate was 7.70% per year. During the past 5 years, the average E10 Growth Rate was 9.80% per year. During the past 10 years, the average E10 Growth Rate was 17.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Security National Financial was 27.40% per year. The lowest was 0.00% per year. And the median was 10.10% per year.

As of today (2026-07-03), Security National Financial's current stock price is €8.15. Security National Financial's E10 for the quarter that ended in Mar. 2026 was €1.02. Security National Financial's Shiller PE Ratio of today is 7.99.

During the past 13 years, the highest Shiller PE Ratio of Security National Financial was 16.07. The lowest was 5.50. And the median was 8.45.


Security National Financial  (FRA:XSNA) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Security National Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=8.15/1.02
=7.99

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Security National Financial was 16.07. The lowest was 5.50. And the median was 8.45.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Security National Financial E10 Related Terms


Security National Financial E10 Historical Data

* Premium members only.

The historical data trend for Security National Financial's E10 can be seen below:

* 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.

Security National Financial E10 Chart

Security National Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.79 0.91 0.87 1.03 0.99

Security National Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.01 0.89 0.92 0.99 1.02

FRA:XSNA vs CIA, KCLI, UTGN: E10 Comparison

For the Insurance - Life subindustry, Security National Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Security National Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Security National Financial's Shiller PE Ratio falls into.


FRA:XSNA
66GF Score
Security National Financial Corp FRA:XSNA
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Security National Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Security National Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.234/330.2130*330.2130
=0.234

Current CPI (Mar. 2026) = 330.2130.

Security National Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.194 241.018 0.266
201609 0.159 241.428 0.217
201612 -0.013 241.432 -0.018
201703 0.071 243.801 0.096
201706 0.093 244.955 0.125
201709 0.041 246.819 0.055
201712 0.287 246.524 0.384
201803 0.585 249.554 0.774
201806 0.118 251.989 0.155
201809 0.075 252.439 0.098
201812 -0.058 251.233 -0.076
201903 0.074 254.202 0.096
201906 0.129 256.143 0.166
201909 0.135 256.759 0.174
201912 0.071 256.974 0.091
202003 0.057 258.115 0.073
202006 0.710 257.797 0.909
202009 1.006 260.280 1.276
202012 0.128 260.474 0.162
202103 0.401 264.877 0.500
202106 0.366 271.696 0.445
202109 0.360 274.310 0.433
202112 0.183 278.802 0.217
202203 0.118 287.504 0.136
202206 0.123 296.311 0.137
202209 -0.101 296.808 -0.112
202212 0.796 296.797 0.886
202303 0.042 301.836 0.046
202306 0.226 305.109 0.245
202309 0.144 307.789 0.154
202312 0.125 306.746 0.135
202403 0.272 312.332 0.288
202406 0.269 314.175 0.283
202409 0.423 315.301 0.443
202412 0.096 315.605 0.100
202503 0.231 319.799 0.239
202506 0.217 322.561 0.222
202509 0.264 324.800 0.268
202512 0.453 324.054 0.462
202603 0.234 330.213 0.234

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €1.02 mean?
Security National Financial (FRA:XSNA) has a E10 of €1.02 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Security National Financial and its competitors.
Is Security National Financial's E10 too high?
Security National Financial's current E10 is €1.02. Overall, Security National Financial has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Security National Financial's E10 compare to CIA and KCLI?
Security National Financial's E10 of €1.02 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Security National Financial and its competitors. Security National Financial's current E10 is €1.02. 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?
Security National Financial (FRA:XSNA) has a current E10 of €1.02. The stock's GF Value™ is €8.83, compared to a current price of €8.15 — trading 7.7% below its estimated fair value. The current E10 is €1.02. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Security National Financial (FRA:XSNA), the current E10 is €1.02 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 (FRA:XSNA) Overvalued in 2026?

Based on GuruFocus' analysis, Security National Financial stock appears to be undervalued. The current stock price of €8.15 is trading 7.7% below its estimated GF Value™ of €8.83.

Key valuation signals for FRA:XSNA:

  • E10: €1.02
  • GF Value™: €8.83 vs. price of €8.15 (7.7% below fair value)
  • GF Score™: 66/100 with 3 warning signs

No single metric tells the full story. See the FRA:XSNA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Security National Financial Business Description

Other Exchanges SNFCA:USA
Address 433 West Ascension Way, Salt Lake City, UT, USA, 84123
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 FRA:XSNA

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€8.15
Price
€8.83
GF Value