SNFCA (Security National Financial) Scaled Net Operating Assets: 0.22 (As of Mar. 2026)


SNFCA Security National Financial Corp SNFCA
66 GF Score
Price $9.94
GF Value $10.52
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Security National Financial Scaled Net Operating Assets?

Security National Financial SNFCA +3.55% 66 Scaled Net Operating Assets is 0.22 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Security National Financial's operating assets for the quarter that ended in Mar. 2026 was $1,390.6 Mil. Security National Financial's operating liabilities for the quarter that ended in Mar. 2026 was $1,046.5 Mil. Security National Financial's Total Assets for the quarter that ended in Dec. 2025 was $1,561.8 Mil. Therefore, Security National Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.22.

SNFCA
66GF Score
Security National Financial Corp SNFCA
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Security National Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Security National Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1459.588-1053.089)/1494.462
=0.27

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1561.845 - 102.257
=1459.588

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1151.476 - 94.214 - 4.173
=1053.089

Security National Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1390.615-1046.508)/1561.845
=0.22

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1580.784 - 190.169
=1390.615

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1155.268 - 108.76 - 0
=1046.508

* 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.

What does a Scaled Net Operating Assets of 0.22 mean?
Security National Financial (SNFCA) has a Scaled Net Operating Assets of 0.22 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Security National Financial and its competitors.
Is Security National Financial's Scaled Net Operating Assets too high?
Security National Financial's current Scaled Net Operating Assets is 0.22. 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 Scaled Net Operating Assets compare to CIA and KCLI?
Security National Financial's Scaled Net Operating Assets of 0.22 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Security National Financial and its competitors. Security National Financial's current Scaled Net Operating Assets is 0.22. 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 Scaled Net Operating Assets is 0.22. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Security National Financial (SNFCA), the current Scaled Net Operating Assets is 0.22 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:

  • Scaled Net Operating Assets: 0.22
  • GF Value™: $10.52 vs. price of $9.94 (5.6% below fair value)
  • GF Score™: 66/100 with 3 warning signs

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 Business Description

Address 433 West Ascension Way, Salt Lake City, UT, USA, 84123
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.94
Price
$10.52
GF Value