Security National Financial Corporation (SNFCA)

SNFCA Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-	26.54	14.5	25.69	39.52	55.6
Depreciation & Amortization	-	9.08	9.94	9.86	6.66	6.23
Stock-Based Compensation	-	0.8	0.6	0.93	0.12	0.36
Other Adjustments	-	-7.7	8.89	70.97	112.85	-238.74
Changes in Deferred Acquisition Costs	-	-6.31	-7.71	-3.55	-4.96	-5.39
Changes in Claims Reserves	-	31.6	29.75	27.49	22.1	25.8
Changes in Other Operating Activities	-	3.32	-2.09	-0.94	-31.65	26.51
Operating Cash Flow	49.98	57.32	53.88	130.45	144.64	-129.63
Operating Cash Flow Growth	-28.99%	6.39%	-58.70%	-9.81%	-	-
Capital Expenditures	-3.49	-2.47	-1.11	-1.6	-5.22	-1.63
Sale of Property, Plant & Equipment	0.01	0.37	-	0.07	-	0.19
Purchases of Investments	-119.37	-98.99	-81.46	-156.64	-20.81	-65.48
Proceeds from Sale of Investments	70.98	107.55	50.61	29.17	51.88	135.17
Payments for Business Acquisitions	-	-	-	-	-12.63	-
Other Investing Activities	-81.58	-49.59	46.56	91.83	-76.84	-32.11
Investing Cash Flow	-133.45	-43.13	14.61	-37.16	-63.61	36.14
Long-Term Debt Issued	53	-	68.5	59.62	107	164.59
Long-Term Debt Repaid	-50.03	-1.93	-69.6	-50.31	-69.04	-174.87
Net Long-Term Debt Issued (Repaid)	2.97	-1.93	-1.1	9.31	37.96	-10.28
Issuance of Common Stock	0.41	0.45	0.13	0.14	1.08	0.83
Repurchase of Common Stock	-2.99	-3.05	-2.85	-7.66	-5.77	-2.97
Net Common Stock Issued (Repurchased)	-2.53	-2.6	-2.71	-7.52	-4.69	-2.14
Other Financing Activities	-7.22	0.53	-58.23	-103.01	-88.34	83.63
Financing Cash Flow	9.18	-4.01	-62.04	-101.22	-55.08	71.21
Net Cash Flow	-74.3	10.18	6.44	-7.93	25.95	-22.27
Free Cash Flow	46.49	54.85	52.77	128.85	139.42	-131.26
Free Cash Flow Growth	-15.24%	3.95%	-59.05%	-7.58%	-	-
FCF Margin	13.64%	16.40%	16.57%	33.07%	29.62%	-27.26%
Free Cash Flow Per Share	1.83	2.18	2.11	4.83	4.97	-4.61
Levered Free Cash Flow	18.1	28.22	12.43	38.78	42.31	71.04
Unlevered Free Cash Flow	18.69	33.46	17.86	35.32	9.79	87.99

Updated Sep 30, 2025. Data Source: Fiscal.ai. Insurance template. Financial Sources.

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