Security National FinancialSNFCA +3.55%66 Interest Coverage is 10.09 as of Mar. 2026, which is 97% above its 10-year median of 5.12. GuruFocus rates SNFCA with a GF Score™ of 66/100 and a GF Value™ of $10.52 (Fairly Valued). The stock has 3 warning signs investors should review. Among 351 Insurance companies, Security National Financial ranks worse than 60.97% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Security National Financial's
EBIT
for the
three
months ended in Mar. 2026 was $10.0 Mil. Security National Financial's Interest Expense for the
three
months ended in Mar. 2026 was $-1.0 Mil.
Security National Financial's interest coverage for the quarter that ended in Mar. 2026 was 10.09.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Security National Financial's Interest Coverage or its related term are showing as below:
SNFCA'
s Interest Coverage Range Over the Past 10 Years
Min: 2.25 Med: 5.12 Max: 11.21
Current: 11.21
SNFCA's Interest Coverage is ranked worse than 60.97% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs SNFCA: 11.21
Security National Financial (NAS:SNFCA) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Security National Financial Interest Coverage Related Terms
Security National Financial Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Security National Financial Interest Coverage Chart
SNFCA vs CIA, KCLI, UTGN: Interest Coverage Comparison
For the Insurance - Life subindustry, Security National Financial's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Security National Financial's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Security National Financial's Interest Coverage falls into.
Security National Financial Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 10.09 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Security National Financial and its competitors. This is 97% above median its historical median of 5.12. Over the past decade, Security National Financial's Interest Coverage has ranged from 2.25 to 11.21. According to the industry distribution chart, Security National Financial ranks #214 out of 351 companies in the Insurance industry, placing it in the top 61%.
Is Security National Financial's Interest Coverage too high?
Security National Financial's current Interest Coverage of 10.09 is 97% above median its 10-year median of 5.12. Over the past 10 years, this metric has ranged from a low of 2.25 to a high of 11.21. The Insurance industry median Interest Coverage is 16.23. Security National Financial's value of 10.09 is 37.8% below this industry median. Based on the distribution chart, Security National Financial ranks #214 out of 351 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 Interest Coverage compare to CIA and KCLI?
According to the Insurance industry distribution chart, Security National Financial ranks #214 out of 351 companies for Interest Coverage. This places Security National Financial in the lower half of its industry. The industry median Interest Coverage is 16.23. Security National Financial's value of 10.09 is 37.8% below this benchmark. Historically, Security National Financial's own Interest Coverage has ranged from 2.25 to 11.21 over the past decade. While the company's 10-year median is 5.12 vs. the industry median of 16.23, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security National Financial's current Interest Coverage of 10.09 is 37.8% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Security National Financial and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security National Financial's current Interest Coverage is 10.09, which is 97% above median its own 10-year median of 5.12. 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 $10.52, compared to a current price of $9.94 — trading 5.6% below its estimated fair value. The current Interest Coverage is 10.09, which is 97% above median its 10-year median of 5.12 and 37.8% below the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Security National Financial (SNFCA), the current Interest Coverage is 10.09 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 $9.94 is trading 5.6% below its estimated GF Value™ of $10.52.
GuruFocus considers Security National Financial to be Fairly Valued.
Key valuation signals for SNFCA:
Interest Coverage: 10.09 (97% above median its 10-year median of 5.12)
GF Value™: $10.52 vs. price of $9.94 (5.6% below fair value)
Industry Position: 37.8% below the Insurance median (#214 of 351)
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
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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