ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Security National Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was $28.0 Mil.
Security National Financial's average Total Assets over the quarter that ended in Mar. 2026 was $1,571.3 Mil. Therefore, Security National Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 1.78%.
The historical rank and industry rank for Security National Financial's ROA % or its related term are showing as below:
SNFCA'
s ROA % Range Over the Past 10 Years
Min: 0.91 Med: 1.85 Max: 3.86
Current: 2.24
During the past 13 years, Security National Financial's highest ROA % was 3.86%. The lowest was 0.91%. And the median was 1.85%.
SNFCA's ROA % is ranked worse than 54.33% of 508
companies
in the Insurance industry
Industry Median: 2.7
vs SNFCA: 2.24
Security National Financial (NAS:SNFCA) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Security National Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Security National Financial's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Security National Financial (SNFCA) has a ROA % of 1.78% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Security National Financial and its competitors. This is near median its historical median of 1.85. Over the past decade, Security National Financial's ROA % has ranged from 0.91 to 3.86. According to the industry distribution chart, Security National Financial ranks #276 out of 508 companies in the Insurance industry, placing it in the top 54.3%.
Is Security National Financial's ROA % too high?
Security National Financial's current ROA % of 1.78% is near median its 10-year median of 1.85. Over the past 10 years, this metric has ranged from a low of 0.91 to a high of 3.86. The Insurance industry median ROA % is 2.70. Security National Financial's value of 1.78% is 34.1% below this industry median. Based on the distribution chart, Security National Financial ranks #276 out of 508 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 ROA % compare to CIA and KCLI?
According to the Insurance industry distribution chart, Security National Financial ranks #276 out of 508 companies for ROA %. This places Security National Financial in the lower half of its industry. The industry median ROA % is 2.70. Security National Financial's value of 1.78% is 34.1% below this benchmark. Historically, Security National Financial's own ROA % has ranged from 0.91 to 3.86 over the past decade. While the company's 10-year median is 1.85 vs. the industry median of 2.70, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.70, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security National Financial's current ROA % of 1.78% is 34.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Security National Financial and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security National Financial's current ROA % is 1.78%, which is near median its own 10-year median of 1.85. 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 $9.64 — trading 8.4% below its estimated fair value. The current ROA % is 1.78%, which is near median its 10-year median of 1.85 and 34.1% below the Insurance industry median of 2.70. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Security National Financial (SNFCA), the current ROA % is 1.78% 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 $9.64 is trading 8.4% below its estimated GF Value™ of $10.52.
GuruFocus considers Security National Financial to be Fairly Valued.
Key valuation signals for SNFCA:
ROA %: 1.78% (near median its 10-year median of 1.85)
GF Value™: $10.52 vs. price of $9.64 (8.4% below fair value)
Industry Position: 34.1% below the Insurance median (#276 of 508)
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
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