Security National Financial
Runs connected life insurance, funeral and cemetery, and mortgage businesses from Utah.
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Profile
Runs life-insurance, funeral and cemetery, and mortgage operations, with revenue concentrated in insurance and mortgage activity. The model links end-of-life products, preneed services, and loan origination under a Salt Lake City holding company.
Operates through life insurance, cemetery and mortuary, and mortgages. Life insurance sells and services life, annuity, accident, and health products through independent agents, while the funeral platform sells burial, cremation, cemetery, mortuary, and preneed services.
Geography is concentrated in the United States, with funeral and cemetery locations in Utah, California, and New Mexico and mortgage offices across multiple states. SecurityNational Mortgage originates, underwrites, or purchases residential, commercial, construction, and real-estate project loans.
The operating logic is horizontal integration: funeral and cemetery relationships support preneed and insurance demand, while insurance assets can support mortgage lending. Results depend on regulated insurance distribution, location-level funeral operations, and mortgage origination conditions.
Company facts
Categories
Key statistics
Year to date +6.3% · Average volume (30d) 29.2K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 13, 2026Q2 FY26 | — | $0.33 | — | — | $83.9M | — | +0.43% |
| May 11, 2026Q1 FY26 | — | $0.26 | — | — | $79.7M | — | +0.73% |
| Mar 16, 2026Q4 FY25 | — | $0.53 | — | — | $83.0M | — | +4.10% |
| Nov 13, 2025Q3 FY25 | — | $0.31 | — | $2.5M | $2.5M | 0.0% | −1.02% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $82.7M | $2.4M | $2.5M | $83.0M | $79.7M | $83.9M | |
| Gross profit | $81.5M | $1.1M | $1.4M | $58.4M | $55.2M | $59.6M | |
| Operating income | $5.6M | $8.3M | $10.2M | $17.3M | $9.1M | $11.7M | |
| Net income | $4.3M | $6.5M | $7.8M | $13.5M | $7.0M | $9.0M | |
| Diluted EPS | $0.18 | $0.25 | $0.31 | $0.63 | $0.27 | $0.33 | |
| Gross margin | 98.5% | 45.3% | 57.3% | 70.4% | 69.2% | 71.0% | |
| Operating margin | 6.7% | 352.3% | 406.1% | 20.9% | 11.4% | 13.9% |
Fiscal years (4-quarter sums)FY21 $4.6M · FY22 $115.7M · FY23 $159.5M · FY24 $8.2M · FY25 $170.6M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $163.4M · Total debt $122.2M · Total assets $1.61B · Shareholders' equity $433.0M
Dividends
No dividends on record.
Ownership
Shares outstanding 22.39M · Float 14.13M · 63.1% free float
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Apr 7, 2026 | Gilbert A. Fuller | director | −10,000 | $9.45 |
Peers
- Globe Life
Life, final-expense, and supplemental health scale rival
- Citizens
Niche final-expense and burial-policy life insurer
- Rocket Companies
National mortgage platform for purchase and refinance borrowers
- CNO Financial Group
Middle-income life, health, and annuity insurer
- PennyMac Financial Services
Scaled mortgage production and servicing platform
- loanDepot
Retail and digital mortgage originator with national reach
- Service Corporation International
Largest listed funeral and cemetery operator
- Carriage Services
Listed funeral-home and cemetery consolidator
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Security National Financial | $8.80 | +0.11% | $197.1M | 5.7 | — | 0.8 | +3,446.8% |
| Globe Life | $172.79 | +0.05% | $13.42B | 11.4 | 10.4 | 2.2 | +8.0% |
| Citizens | $3.91 | +1.30% | $194.1M | 16.5 | 18.0 | 0.8 | — |
| Rocket Companies | $13.80 | +0.22% | $38.89B | 94.3 | 19.0 | 4.0 | +113.7% |
| CNO Financial Group | $57.00 | +2.96% | $5.17B | 19.0 | 11.7 | 1.1 | +11.6% |
| PennyMac Financial Services | $73.05 | −0.43% | $3.81B | 10.1 | 8.7 | 0.8 | −52.2% |
| loanDepot | $0.9698 | +0.95% | $321.8M | — | 52.4 | 0.2 | +19.4% |
| Service Corporation International | $83.36 | −0.04% | $11.39B | 18.6 | 18.9 | 2.6 | +3.6% |
| Carriage Services | $34.09 | +0.03% | $541.1M | 12.2 | 9.7 | 1.3 | +0.8% |
| Median | 16.5 | 14.8 | 1.2 | +8.0% |