10 Year Financial Data of StanCorp Financial Group, Inc. (SFG)

44.41 (1y: +25%)

Market Cap	1.98 B	P/E(ttm)	13.10
Enterprise Value	2.52 B	P/B	0.90

SFG- NYSE (USA)
StanCorp Financial Group, Inc.

Currently 1/5

Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$44.41

2 Severe Warning Signs 4 Medium Warning Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	7.4	5.1	-0.2
EBITDA Growth (%)	-0.2	-1.5	-3.7
Free Cash Flow Growth (%)	1.5	-0.5	6.1
Book Value Growth (%)	9.3	14.4	7.5

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	35.23	37.17	41.68	45.58	51.76	54.11	56.48	58.82	63.86	65.34	64.89	16.67	16.35	16.13	16.17	16.24
EBITDA per Share	6.87	8.07	8.89	9.31	1.87	7.42	7.04	8.78	7.31	6.77	6.99	1.77	1.16	2.02	1.82	1.99
Free Cashflow per Share	5.60	6.66	6.89	6.84	8.43	6.59	8.51	7.21	5.25	8.17	6.98	2.79	1.52	2.60	1.26	1.60
Earnings per Share ($)	2.67	3.45	3.76	3.73	4.35	3.30	4.26	4.02	3.09	3.12	3.38	0.79	0.45	1.01	0.87	1.05
Dividends Per Share	0.35	0.50	0.63	0.65	0.72	0.75	0.80	0.86	0.89	0.93	0.93	--	--	--	0.93	--
Book Value per Share	22.32	24.22	25.21	26.78	27.30	28.00	35.38	40.68	44.66	48.90	49.16	45.74	47.02	49.08	48.86	49.16
Month End Stock Price	31.44	41.48	49.95	45.05	50.38	41.77	40.02	45.14	36.75	36.67	42.76	40.94	37.16	31.24	36.67	42.76
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	11.90	14.20	14.90	13.90	15.90	11.80	12.00	9.90	6.90	6.40	8.40	6.80	4.00	8.40	7.20	8.40
Return on Assets %	1.60	1.80	1.70	1.50	1.50	1.10	1.30	1.10	0.80	0.70	0.80	0.80	0.40	0.80	0.80	0.80
Return on Capital - Joel Greenblatt %	841	1,163	1,205	1,372	--	--	1,448	--	91.10	--	--	81.60	41.60	--	--	--
Debt to Equity	0.21	0.18	0.19	0.18	0.40	0.41	0.32	0.29	0.28	0.26	0.25	0.27	0.27	0.26	0.26	0.25

Operating Margin %	16.10	18.00	18.30	17.10	--	9.00	11.40	10.20	6.80	6.30	8.30	6.40	3.10	8.60	7.20	8.30
Net Margin %	7.60	9.30	9.00	8.20	8.40	6.10	7.50	6.80	4.80	4.80	6.50	4.70	2.80	6.30	5.30	6.50

Debt to Revenue	0.13	0.12	0.11	0.11	0.21	0.21	0.20	0.20	0.19	0.19	0.77	0.75	0.76	0.77	0.77	0.77
Interest Exp. to Revenue %	-4.48	-4.38	-4.36	-4.64	-5.15	-5.62	-6.67	-7.14	-6.95	-7.29	-7.63	-7.68	-6.76	-7.80	-6.91	-7.63

Asset Turnover	0.21	0.19	0.19	0.18	0.18	0.18	0.17	0.16	0.16	0.15	0.04	0.04	0.04	0.04	0.04	0.04
Buyback Ratio	-7.90	-6.30	-5.20	-6.60	-7.50	-9.00	-4.00	-7.60	-6.50	-7.90	-3.20	-9.40	-1.00	-7.10	-10.90	-3.20
Dividend Payout Ratio	0.13	0.15	0.17	0.17	0.17	0.23	0.19	0.21	0.29	0.30	--	--	--	--	1.08	--
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Total Premiums Earned	1,609	1,679	1,827	1,935	2,078	2,140	2,102	2,098	2,153	2,164	2,147	553	548	529	534	536
Net Investment Income	442	453	465	479	516	541	587	603	613	629	628	160	151	160	158	159
Fees and Other Income	15.70	18.40	45.50	79.00	115	-14.20	81.60	64.90	109	106	105	28.40	25.80	25.20	26.60	27.10
Revenue	2,067	2,150	2,337	2,493	2,709	2,667	2,770	2,765	2,875	2,898	2,880	741	725	714	718	723

Selling, General, &Admin. Expense	--	--	--	--	--	228	202	206	219	204	202	55.40	51.30	49.60	47.40	53.80
Policyholder Benefits & Claims	2,596	2,582	2,785	3,026	3,184	1,589	1,576	1,620	1,771	1,793	2,227	450	476	422	445	884
Policy Acquisition Expense	144	154	169	34.00	33.00	422	495	424	453	470	448	121	117	115	114	102
Earnings Before DDA	403	467	498	509	97.80	366	345	413	329	300	310	78.70	51.50	89.20	81.00	88.60

Depreciation, Depletion and Amortization	70.60	80.30	70.80	83.90	97.80	125	29.50	130	134	117	114	31.00	28.90	27.90	29.20	28.30

Operating Income	332	386	428	425	--	241	316	283	195	183	196	47.70	22.60	61.30	51.80	60.30
Net Income	156	199	211	204	228	163	209	189	139	139	150	35.20	20.00	44.90	38.40	46.80

Earnings per Share ($)	2.67	3.45	3.76	3.73	4.35	3.30	4.26	4.02	3.09	3.12	3.38	0.79	0.45	1.01	0.87	1.05
Total Shares Outstanding	58.67	57.84	56.08	54.69	52.35	49.29	49.05	47.01	45.02	44.36	44.50	44.46	44.36	44.24	44.39	44.50
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Fixed Maturity Investment	--	4,413	4,613	4,786	4,997	5,200	6,167	6,419	6,770	7,191	7,249	6,864	6,977	7,120	7,191	7,249
Short-term investments	--	--	--	--	4.50	1.40	1.10	--	--	--	--	--	--	--	--	--
Net Loan	2,324	2,952	3,248	3,320	3,662	4,087	4,288	4,517	4,902	5,267	5,320	4,980	5,099	5,149	5,267	5,320
Cash and cash equivalents	34.50	45.30	53.20	56.00	206	281	108	152	138	161	143	116	130	172	161	143
Accounts Receivable	945	966	979	1,013	1,036	102	104	102	119	123	122	123	125	129	123	122
Deferred Policy Acquisition Costs	201	219	245	343	325	335	339	357	376	347	352	349	350	344	347	352
Property, Plant and Equipment	71.30	78.30	86.70	84.60	127	136	127	112	101	90.70	86.90	98.70	96.70	95.10	90.70	86.90
Intangible Assets	--	--	--	--	--	36.00	36.00	36.00	36.00	36.00	36.00	36.00	36.00	36.00	36.00	36.00
Total Assets	9,982	11,212	12,451	13,639	14,983	14,555	16,570	17,843	18,434	19,791	20,370	19,099	19,141	19,621	19,791	20,370

Unpaid Loss & Loss Reserve	6,395	6,886	7,339	7,865	8,313	--	--	--	--	--	--	--	--	--	--	--
Future Policy Benefits	4,295	4,485	4,689	4,928	5,159	5,286	5,369	5,502	5,684	5,843	5,852	5,715	5,773	5,822	5,843	5,852
Policyholder Funds	2,100	2,401	2,649	2,938	3,154	3,944	4,337	4,628	5,078	5,531	5,631	5,123	5,281	5,325	5,531	5,631
Current Portion of Long-Term Debt	2.70	0.20	2.00	2.40	4.00	3.70	2.90	2.20	251	1.00	1.10	251	251	1.10	1.00	1.10
Other liabilities	-4,393	-4,218	-3,902	-3,820	-3,638	3,380	4,572	5,247	5,110	5,696	6,147	5,676	5,450	5,752	5,696	6,147
Long-Term Debt	272	258	260	261	563	562	553	552	301	551	552	301	301	552	551	552
Total Liabilities	8,672	9,811	11,037	12,174	13,554	13,175	14,834	15,931	16,423	17,622	18,182	17,066	17,056	17,450	17,622	18,182

Common Stock	673	618	530	480	267	--	--	--	--	--	84.60	--	--	--	--	84.60
Retained Earnings	476	647	824	993	1,145	1,271	1,444	1,593	1,693	1,770	1,817	1,708	1,728	1,773	1,770	1,817
Additional Paid-In Capital	--	--	--	480	267	263	220	158	82.40	89.60	84.60	87.80	79.50	84.10	89.60	84.60
Total Equity	1,310	1,401	1,414	1,465	1,429	1,380	1,735	1,912	2,011	2,169	2,188	2,034	2,086	2,171	2,169	2,188
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	156	199	211	204	228	163	209	189	139	139	150	35.20	20.00	44.90	38.40	46.80
Depreciation, Depletion and Amortization	70.60	80.30	70.80	83.90	97.80	125	29.50	130	134	117	114	31.00	28.90	27.90	29.20	28.30
Cash Flow from Others	111	125	125	102	160	74.40	203	36.40	-19.10	120	56.10	61.80	23.10	45.50	-10.20	-2.30
Cash Flow from Operations	337	405	407	390	486	362	441	355	254	376	321	128	72.00	118	57.40	72.80

Investment for Property, Plant & Equipement	-8.90	-19.50	-20.60	-16.30	-44.60	-37.20	-24.00	-16.00	-17.70	-13.30	-11.10	-3.90	-4.60	-3.30	-1.50	-1.70
Cash Flow from Acquisitions	--	--	--	-81.70	-6.10	--	-5.20	-2.80	--	--	--	--	--	--	--	--
Cash Flow from Investing	-744	-595	-665	-749	-597	-1,029	-908	-493	-595	-763	-746	-199	-207	-120	-238	-182

Net Issuance of Stock	3.00	-62.10	-95.50	-56.70	-219	-10.30	-51.00	-67.40	-81.30	0.90	-10.80	3.30	-9.80	3.20	4.20	-8.40
Net Issuance of Debt	15.50	291	250	289	299	-1.40	-9.10	-2.00	-2.00	-3.30	-3.80	0.50	-0.40	-3.40	--	--
Cash Flow for Dividends	-20.40	-28.40	-34.20	-34.80	-35.70	-36.70	-38.90	-39.60	-39.30	-41.30	-41.30	--	--	--	-41.30	--
Other Financing	236	--	145	165	216	790	393	291	450	453	509	44.40	158	44.30	206	100.00
Cash Flow from Financing	234	201	266	362	261	742	294	182	328	410	453	48.20	148	44.10	169	91.60

Net Change in Cash	-172	10.80	7.90	2.80	150	74.70	-172	43.70	-13.60	22.30	27.30	-22.40	13.50	42.90	-11.70	-17.40

Free Cash Flow	329	385	387	374	441	325	417	339	236	362	309	124	67.40	115	55.90	71.10
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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SFG Quarterly/Annuals Reports

SFG: 10-Q - STANCORP FINANCIAL GROUP INC (0001079577) (Filer): (10-Q) - 2012-11-06
SFG: 10-Q - STANCORP FINANCIAL GROUP INC (0001079577) (Filer): (10-Q) - 2012-08-08
SFG: 10-Q - STANCORP FINANCIAL GROUP INC (0001079577) (Filer): (10-Q) - 2012-05-09
SFG: 10-K - STANCORP FINANCIAL GROUP INC (0001079577) (Filer): (10-K) - 2012-02-24
SFG: 10-Q - STANCORP FINANCIAL GROUP INC (0001079577) (Filer): (10-Q) - 2011-11-02

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