Security National FinancialSNFCA -0.61%66 Return-on-Tangible-Equity is 6.86% as of Mar. 2026, which is 36% below its 10-year median of 10.67. GuruFocus rates SNFCA with a GF Score™ of 66/100 and a GF Value™ of $11.09 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 499 Insurance companies, Security National Financial ranks worse than 63.93% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Security National Financial's annualized net income for the quarter that ended in Mar. 2026 was $28.0 Mil. Security National Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $408.3 Mil. Therefore, Security National Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.86%.
The historical rank and industry rank for Security National Financial's Return-on-Tangible-Equity or its related term are showing as below:
SNFCA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.98 Med: 10.67 Max: 27.9
Current: 9.36
During the past 13 years, Security National Financial's highest Return-on-Tangible-Equity was 27.90%. The lowest was 4.98%. And the median was 10.67%.
SNFCA's Return-on-Tangible-Equity is ranked worse than 63.93% of 499
companies
in the Insurance industry
Industry Median: 13.52
vs SNFCA: 9.36
Security National Financial (NAS:SNFCA) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Security National Financial Return-on-Tangible-Equity Related Terms
Security National Financial Return-on-Tangible-Equity 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.
Security National Financial Return-on-Tangible-Equity Chart
SNFCA vs CIA, KCLI, UTGN: Return-on-Tangible-Equity Comparison
For the Insurance - Life subindustry, Security National Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Security National Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Security National Financial's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.86% mean?
Security National Financial (SNFCA) has a Return-on-Tangible-Equity of 6.86% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Security National Financial and its competitors. This is 36% below median its historical median of 10.67. Over the past decade, Security National Financial's Return-on-Tangible-Equity has ranged from 4.98 to 27.90. According to the industry distribution chart, Security National Financial ranks #319 out of 499 companies in the Insurance industry, placing it in the top 63.9%.
Is Security National Financial's Return-on-Tangible-Equity too high?
Security National Financial's current Return-on-Tangible-Equity of 6.86% is 36% below median its 10-year median of 10.67. Over the past 10 years, this metric has ranged from a low of 4.98 to a high of 27.90. The Insurance industry median Return-on-Tangible-Equity is 13.52. Security National Financial's value of 6.86% is 49.3% below this industry median. Based on the distribution chart, Security National Financial ranks #319 out of 499 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Security National Financial's Return-on-Tangible-Equity compare to CIA and KCLI?
According to the Insurance industry distribution chart, Security National Financial ranks #319 out of 499 companies for Return-on-Tangible-Equity. This places Security National Financial in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Security National Financial's value of 6.86% is 49.3% below this benchmark. Historically, Security National Financial's own Return-on-Tangible-Equity has ranged from 4.98 to 27.90 over the past decade. While the company's 10-year median is 10.67 vs. the industry median of 13.52, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security National Financial's current Return-on-Tangible-Equity of 6.86% is 49.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Security National Financial and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security National Financial's current Return-on-Tangible-Equity is 6.86%, which is 36% below median its own 10-year median of 10.67. 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 $11.09, compared to a current price of $9.74 — trading 12.2% below its estimated fair value. The current Return-on-Tangible-Equity is 6.86%, which is 36% below median its 10-year median of 10.67 and 49.3% below the Insurance industry median of 13.52. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Security National Financial (SNFCA), the current Return-on-Tangible-Equity is 6.86% 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 $9.74 is trading 12.2% below its estimated GF Value™ of $11.09.
GuruFocus considers Security National Financial to be Modestly Undervalued.
Key valuation signals for SNFCA:
Return-on-Tangible-Equity: 6.86% (36% below median its 10-year median of 10.67)
GF Value™: $11.09 vs. price of $9.74 (12.2% below fair value)
Industry Position: 49.3% below the Insurance median (#319 of 499)
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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