Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Security National FinancialSNFCA -0.88%66 EV-to-EBITDA is 4.03 as of Aug. 05, 2026, which is 25% below its 10-year median of 5.37. GuruFocus rates SNFCA with a GF Score™ of 66/100 and a GF Value™ of $10.64 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 347 Insurance companies, Security National Financial ranks better than 80.98% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Security National Financial's enterprise value is $208.3 Mil.
Security National Financial's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $51.7 Mil. Therefore, Security National Financial's EV-to-EBITDA for today is 4.03.
The historical rank and industry rank for Security National Financial's EV-to-EBITDA or its related term are showing as below:
SNFCA'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.64 Med: 5.37 Max: 13.84
Current: 4.03
During the past 13 years, the highest EV-to-EBITDA of Security National Financial was 13.84. The lowest was 2.64. And the median was 5.37.
SNFCA's EV-to-EBITDA is ranked better than 80.98% of 347
companies
in the Insurance industry
Industry Median: 8.23
vs SNFCA: 4.03
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
Security National Financial (NAS:SNFCA) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Security National Financial's PE Ratio (TTM) for today is calculated as:
Security National Financial's share price for today is $9.615.
Security National Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.295.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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.
For the Insurance - Life subindustry, Security National Financial's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Security National Financial's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Security National Financial's EV-to-EBITDA falls into.
Security National Financial's current Enterprise Value is $208.3 Mil.
Security National Financial's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $51.7 Mil.
* 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 (SNFCA) has a EV-to-EBITDA of 4.03 as of Aug. 05, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Security National Financial. This is 25% below median its historical median of 5.37. Over the past decade, Security National Financial's EV-to-EBITDA has ranged from 2.64 to 13.84. According to the industry distribution chart, Security National Financial ranks #66 out of 347 companies in the Insurance industry, placing it in the top 19%.
Is Security National Financial's EV-to-EBITDA too high?
Security National Financial's current EV-to-EBITDA of 4.03 is 25% below median its 10-year median of 5.37. Over the past 10 years, this metric has ranged from a low of 2.64 to a high of 13.84. The Insurance industry median EV-to-EBITDA is 8.23. Security National Financial's value of 4.03 is 51% below this industry median. Based on the distribution chart, Security National Financial ranks #66 out of 347 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Security National Financial has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Security National Financial's EV-to-EBITDA compare to CIA and UTGN?
According to the Insurance industry distribution chart, Security National Financial ranks #66 out of 347 companies for EV-to-EBITDA. This places Security National Financial in the top 19% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 8.23. Security National Financial's value of 4.03 is 51% below this benchmark. Historically, Security National Financial's own EV-to-EBITDA has ranged from 2.64 to 13.84 over the past decade. While the company's 10-year median is 5.37 vs. the industry median of 8.23, Security National Financial has consistently been below 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.23, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security National Financial's current EV-to-EBITDA of 4.03 is 51% below 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Security National Financial. For the Insurance industry, the median EV-to-EBITDA is 8.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security National Financial's current EV-to-EBITDA is 4.03, which is 25% below median its own 10-year median of 5.37. 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 Modestly Undervalued. The stock's GF Value™ is $10.64, compared to a current price of $9.62 — trading 9.6% below its estimated fair value. The current EV-to-EBITDA is 4.03, which is 25% below median its 10-year median of 5.37 and 51% below the Insurance industry median of 8.23. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Security National Financial (SNFCA), the current EV-to-EBITDA is 4.03 as of Aug. 05, 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 $9.62 is trading 9.6% below its estimated GF Value™ of $10.64.
GuruFocus considers Security National Financial to be Modestly Undervalued.
Key valuation signals for SNFCA:
EV-to-EBITDA: 4.03 (25% below median its 10-year median of 5.37)
GF Value™: $10.64 vs. price of $9.62 (9.6% below fair value)
Industry Position: 51% below the Insurance median (#66 of 347)
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
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SNFCA has been successfully added to your 
