3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Security National Financial's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 3.35%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Security National Financial's 3-Year ROIIC % or its related term are showing as below:
SNFCA's 3-Year ROIIC % is ranked worse than 59.1% of 335
companies
in the Insurance industry
Industry Median: 5.2
vs SNFCA: 3.35
Security National Financial (NAS:SNFCA) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Security National Financial 3-Year ROIIC % Related Terms
Security National Financial 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Insurance - Life subindustry, Security National Financial's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Security National Financial's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Security National Financial's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Security National Financial (SNFCA) has a 3-Year ROIIC % of 3.35 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Security National Financial and its competitors. This is 49% below median its historical median of 6.62. Over the past decade, Security National Financial's 3-Year ROIIC % has ranged from 0.44 to 33.48. According to the industry distribution chart, Security National Financial ranks #198 out of 335 companies in the Insurance industry, placing it in the top 59.1%.
Is Security National Financial's 3-Year ROIIC % too high?
Security National Financial's current 3-Year ROIIC % of 3.35 is 49% below median its 10-year median of 6.62. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 33.48. The Insurance industry median 3-Year ROIIC % is 5.20. Security National Financial's value of 3.35 is 35.6% below this industry median. Based on the distribution chart, Security National Financial ranks #198 out of 335 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 3-Year ROIIC % compare to CIA and KCLI?
According to the Insurance industry distribution chart, Security National Financial ranks #198 out of 335 companies for 3-Year ROIIC %. This places Security National Financial in the lower half of its industry. The industry median 3-Year ROIIC % is 5.20. Security National Financial's value of 3.35 is 35.6% below this benchmark. Historically, Security National Financial's own 3-Year ROIIC % has ranged from 0.44 to 33.48 over the past decade. While the company's 10-year median is 6.62 vs. the industry median of 5.20, 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.20, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security National Financial's current 3-Year ROIIC % of 3.35 is 35.6% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Security National Financial and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security National Financial's current 3-Year ROIIC % is 3.35, which is 49% below median its own 10-year median of 6.62. 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 $10.57, compared to a current price of $9.60 — trading 9.2% below its estimated fair value. The current 3-Year ROIIC % is 3.35, which is 49% below median its 10-year median of 6.62 and 35.6% below the Insurance industry median of 5.20. Security National Financial's overall GF Score™ is 66/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Security National Financial (SNFCA), the current 3-Year ROIIC % is 3.35 as of Dec. 2025. 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 $9.60 is trading 9.2% below its estimated GF Value™ of $10.57.
GuruFocus considers Security National Financial to be Fairly Valued.
Key valuation signals for SNFCA:
3-Year ROIIC %: 3.35 (49% below median its 10-year median of 6.62)
GF Value™: $10.57 vs. price of $9.60 (9.2% below fair value)
Industry Position: 35.6% below the Insurance median (#198 of 335)
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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