Security National FinancialSNFCA +3.55%66 Pretax Margin % is 11.33% as of Mar. 2026, which is 25% above its 10-year median of 9.08. 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 501 Insurance companies, Security National Financial ranks better than 53.49% on this metric.
The historical rank and industry rank for Security National Financial's Pretax Margin % or its related term are showing as below:
SNFCA'
s Pretax Margin % Range Over the Past 10 Years
Min: 2.72 Med: 9.08 Max: 14.84
Current: 13.11
SNFCA's Pretax Margin % is ranked better than 53.49% of 501
companies
in the Insurance industry
Industry Median: 12.04
vs SNFCA: 13.11
Security National Financial (NAS:SNFCA) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Security National Financial Pretax Margin % Related Terms
Security National Financial Pretax Margin % 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, KCLI, UTGN: Pretax Margin % Comparison
For the Insurance - Life subindustry, Security National Financial's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Security National Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Security National Financial's Pretax Margin % 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.
Security National Financial (SNFCA) has a Pretax Margin % of 11.33% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Security National Financial and its competitors. This is 25% above median its historical median of 9.08. Over the past decade, Security National Financial's Pretax Margin % has ranged from 2.72 to 14.84. According to the industry distribution chart, Security National Financial ranks #233 out of 501 companies in the Insurance industry, placing it in the top 46.5%.
Is Security National Financial's Pretax Margin % too high?
Security National Financial's current Pretax Margin % of 11.33% is 25% above median its 10-year median of 9.08. Over the past 10 years, this metric has ranged from a low of 2.72 to a high of 14.84. The Insurance industry median Pretax Margin % is 12.04. Security National Financial's value of 11.33% is 5.9% below this industry median. Based on the distribution chart, Security National Financial ranks #233 out of 501 companies in the Insurance industry, which is above 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 Pretax Margin % compare to CIA and KCLI?
According to the Insurance industry distribution chart, Security National Financial ranks #233 out of 501 companies for Pretax Margin %. This puts Security National Financial in the upper half of its industry. The industry median Pretax Margin % is 12.04. Security National Financial's value of 11.33% is 5.9% below this benchmark. Historically, Security National Financial's own Pretax Margin % has ranged from 2.72 to 14.84 over the past decade. While the company's 10-year median is 9.08 vs. the industry median of 12.04, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.04, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security National Financial's current Pretax Margin % of 11.33% is 5.9% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Security National Financial and its competitors. For the Insurance industry, the median Pretax Margin % is 12.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security National Financial's current Pretax Margin % is 11.33%, which is 25% above median its own 10-year median of 9.08. 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 Pretax Margin % is 11.33%, which is 25% above median its 10-year median of 9.08 and 5.9% below the Insurance industry median of 12.04. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Security National Financial (SNFCA), the current Pretax Margin % is 11.33% 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:
Pretax Margin %: 11.33% (25% above median its 10-year median of 9.08)
GF Value™: $10.52 vs. price of $9.94 (5.6% below fair value)
Industry Position: 5.9% below the Insurance median (#233 of 501)
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
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