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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.64
SFG's Cash to Debt is ranked lower than
74% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.69 vs. SFG: 0.64 )
SFG' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.64

Equity to Asset 0.10
SFG's Equity to Asset is ranked higher than
61% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. SFG: 0.10 )
SFG' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.16
Current: 0.1

0.09
0.16
Interest Coverage 1.46
SFG's Interest Coverage is ranked lower than
93% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.15 vs. SFG: 1.46 )
SFG' s 10-Year Interest Coverage Range
Min: 0.87   Max: 9999.99
Current: 1.46

0.87
9999.99
F-Score: 5
Z-Score: 0.41
WACC vs ROIC
13.38%
9.11%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 10.72
SFG's Operating margin (%) is ranked higher than
64% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.77 vs. SFG: 10.72 )
SFG' s 10-Year Operating margin (%) Range
Min: 6.33   Max: 16.26
Current: 10.72

6.33
16.26
Net-margin (%) 8.09
SFG's Net-margin (%) is ranked higher than
64% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.33 vs. SFG: 8.09 )
SFG' s 10-Year Net-margin (%) Range
Min: 4.76   Max: 9.3
Current: 8.09

4.76
9.3
ROE (%) 10.09
SFG's ROE (%) is ranked lower than
51% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.14 vs. SFG: 10.09 )
SFG' s 10-Year ROE (%) Range
Min: 6.66   Max: 15.72
Current: 10.09

6.66
15.72
ROA (%) 1.00
SFG's ROA (%) is ranked higher than
63% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.66 vs. SFG: 1.00 )
SFG' s 10-Year ROA (%) Range
Min: 0.73   Max: 1.88
Current: 1

0.73
1.88
ROC (Joel Greenblatt) (%) 366.84
SFG's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: 254.96 vs. SFG: 366.84 )
SFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 117.63   Max: 608.12
Current: 366.84

117.63
608.12
Revenue Growth (3Y)(%) -0.10
SFG's Revenue Growth (3Y)(%) is ranked lower than
86% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.00 vs. SFG: -0.10 )
SFG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 15.5
Current: -0.1

0
15.5
EBITDA Growth (3Y)(%) 6.60
SFG's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.40 vs. SFG: 6.60 )
SFG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 22.1
Current: 6.6

0
22.1
EPS Growth (3Y)(%) 18.40
SFG's EPS Growth (3Y)(%) is ranked higher than
60% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.10 vs. SFG: 18.40 )
SFG' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 26.2
Current: 18.4

0
26.2
» SFG's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

SFG Guru Trades in Q2 2014

David Dreman 870 sh (New)
Jim Simons 111,000 sh (+106.76%)
Paul Tudor Jones 6,188 sh (+31.66%)
Jeremy Grantham Sold Out
RS Investment Management 1,563,378 sh (-5.80%)
Chuck Royce 7,200 sh (-18.18%)
» More
Q3 2014

SFG Guru Trades in Q3 2014

Ken Fisher 397,611 sh (New)
David Dreman 978 sh (+12.41%)
Jim Simons 116,600 sh (+5.05%)
Paul Tudor Jones Sold Out
RS Investment Management 1,533,484 sh (-1.91%)
Chuck Royce 4,200 sh (-41.67%)
» More
Q4 2014

SFG Guru Trades in Q4 2014

Jim Simons 197,900 sh (+69.73%)
Ken Fisher 535,973 sh (+34.80%)
Chuck Royce Sold Out
David Dreman 856 sh (-12.47%)
RS Investment Management 1,181,762 sh (-22.94%)
» More
Q1 2015

SFG Guru Trades in Q1 2015

Richard Pzena 145,766 sh (New)
David Dreman 1,926 sh (+125.00%)
Ken Fisher 526,959 sh (-1.68%)
RS Investment Management 977,773 sh (-17.26%)
Jim Simons 94,500 sh (-52.25%)
» More
» Details

Insider Trades

Latest Guru Trades with SFG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 14.00
SFG's P/E(ttm) is ranked lower than
63% of the 68 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.20 vs. SFG: 14.00 )
SFG' s 10-Year P/E(ttm) Range
Min: 4.98   Max: 14.71
Current: 14

4.98
14.71
Forward P/E 12.92
SFG's Forward P/E is ranked lower than
168% of the 44 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. SFG: 12.92 )
N/A
PE(NRI) 14.20
SFG's PE(NRI) is ranked higher than
51% of the 68 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.20 vs. SFG: 14.20 )
SFG' s 10-Year PE(NRI) Range
Min: 4.98   Max: 14.69
Current: 14.2

4.98
14.69
P/B 1.40
SFG's P/B is ranked lower than
85% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. SFG: 1.40 )
SFG' s 10-Year P/B Range
Min: 0.51   Max: 2.16
Current: 1.4

0.51
2.16
P/S 1.10
SFG's P/S is ranked lower than
153% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. SFG: 1.10 )
SFG' s 10-Year P/S Range
Min: 0.27   Max: 1.3
Current: 1.1

0.27
1.3
PFCF 10.80
SFG's PFCF is ranked lower than
115% of the 46 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. SFG: 10.80 )
SFG' s 10-Year PFCF Range
Min: 2.73   Max: 42.7
Current: 10.8

2.73
42.7
POCF 10.57
SFG's POCF is ranked lower than
77% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.11 vs. SFG: 10.57 )
SFG' s 10-Year POCF Range
Min: 2.45   Max: 13.89
Current: 10.57

2.45
13.89
EV-to-EBIT 11.16
SFG's EV-to-EBIT is ranked lower than
56% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.56 vs. SFG: 11.16 )
SFG' s 10-Year EV-to-EBIT Range
Min: 4.8   Max: 12.4
Current: 11.16

4.8
12.4
PEG 6.17
SFG's PEG is ranked lower than
94% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. SFG: 6.17 )
SFG' s 10-Year PEG Range
Min: 0.36   Max: 16.19
Current: 6.17

0.36
16.19
Shiller P/E 16.90
SFG's Shiller P/E is ranked lower than
67% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.50 vs. SFG: 16.90 )
SFG' s 10-Year Shiller P/E Range
Min: 3.9   Max: 20.7
Current: 16.9

3.9
20.7
Days Sales Outstanding 17.29
SFG's Days Sales Outstanding is ranked higher than
66% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 34.01 vs. SFG: 17.29 )
SFG' s 10-Year Days Sales Outstanding Range
Min: 13.45   Max: 133.77
Current: 17.29

13.45
133.77

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.70
SFG's Dividend Yield is ranked lower than
223% of the 39 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. SFG: 1.70 )
SFG' s 10-Year Dividend Yield Range
Min: 0.88   Max: 5.09
Current: 1.7

0.88
5.09
Dividend Payout 0.25
SFG's Dividend Payout is ranked lower than
58% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.22 vs. SFG: 0.25 )
SFG' s 10-Year Dividend Payout Range
Min: 0.07   Max: 1.53
Current: 0.25

0.07
1.53
Dividend growth (3y) 13.50
SFG's Dividend growth (3y) is ranked higher than
55% of the 49 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.90 vs. SFG: 13.50 )
SFG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 49.4
Current: 13.5

0
49.4
Yield on cost (5-Year) 2.69
SFG's Yield on cost (5-Year) is ranked lower than
202% of the 41 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.63 vs. SFG: 2.69 )
SFG' s 10-Year Yield on cost (5-Year) Range
Min: 1.39   Max: 8.05
Current: 2.69

1.39
8.05
Share Buyback Rate 1.20
SFG's Share Buyback Rate is ranked higher than
74% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. SFG: 1.20 )
SFG' s 10-Year Share Buyback Rate Range
Min: 0   Max: 1.2
Current: 1.2

0
1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
SFG's Price/Tangible Book is ranked lower than
65% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.00 vs. SFG: 1.40 )
SFG' s 10-Year Price/Tangible Book Range
Min: 0.61   Max: 2.14
Current: 1.4

0.61
2.14
Price/DCF (Projected) 0.70
SFG's Price/DCF (Projected) is ranked lower than
63% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. SFG: 0.70 )
SFG' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 0.68
Current: 0.7

0.24
0.68
Price/Median PS Value 1.30
SFG's Price/Median PS Value is ranked lower than
99% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.00 vs. SFG: 1.30 )
SFG' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 1.51
Current: 1.3

0.46
1.51
Price/Graham Number 0.90
SFG's Price/Graham Number is ranked lower than
58% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. SFG: 0.90 )
SFG' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 1.17
Current: 0.9

0.47
1.17
Earnings Yield (Greenblatt) 9.10
SFG's Earnings Yield (Greenblatt) is ranked lower than
64% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.00 vs. SFG: 9.10 )
SFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 8.1   Max: 20.7
Current: 9.1

8.1
20.7
Forward Rate of Return (Yacktman) 12.57
SFG's Forward Rate of Return (Yacktman) is ranked lower than
65% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 20.09 vs. SFG: 12.57 )
SFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 11.8   Max: 48.8
Current: 12.57

11.8
48.8

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, PUKPF » details
StanCorp Financial Group Inc was incorporated in 1998 in Oregon. It is a holding company and conducts business through wholly-owned operating subsidiaries throughout the United States. Through its subsidiaries, they have the authority to underwrite insurance products in all 50 states as well as the District of Columbia and the U.S. territories of Guam and the Virgin Islands. It operates through two segments: Insurance Services and Asset Management. Insurance Services contains two reportable product segments, Employee Benefits and Individual Disability. Insurance Services is comprised of its Employee Benefits and Individual Disability segments, and offers group life and AD&D insurance, group and individual disability insurance, group dental and group vision insurance, and absence management services to individuals and employer groups ranging in size from two lives to 167,000 lives. The Company has approximately 43,000 group insurance policies in force, covering approximately 6.2 million employees as of December 31, 2013. Group life insurance products provide coverage to insured employees for a specified period and have no cash value (amount of cash available to an insured employee on the surrender of, or withdrawal from, the life insurance policy). Coverage is offered to insured employees and their dependents. AD&D insurance is usually provided in conjunction with group life insurance, and is payable after the accidental death or dismemberment of the insured in an amount based on the face amount of the policy or dismemberment schedule. The Asset Management segment offers full-service 401(k) plans, 403(b) plans, 457 plans, defined benefit plans, money purchase pension plans, profit sharing plans and non-qualified deferred compensation products and services. This segment also offers investment advisory and management services, financial planning services, origination and servicing of fixed-rate commercial mortgage loans, individual fixed-rate annuity products, group annuity contracts and retirement plan trust products. The Company reports its holding company and corporate activities in the Other category. This category includes return on capital not allocated to the product segments, holding company expenses, operations of certain unallocated subsidiaries, interest on debt, unallocated expenses, net capital gains and losses related to the impairment or the disposition of its invested assets and adjustments made in consolidation. Competition for the sale of its products comes primarily from other insurers and financial services companies such as banks, broker-dealers, mutual funds, and managed care providers for employer groups, individual consumers and distributors. The Company's insurance products are regulated by the jurisdictions in which they sell their products including all 50 states, the District of Columbia, the U.S. territories of Guam and the Virgin Islands.
» More Articles for SFG

Headlines

Articles On GuruFocus.com
Richard Pzena Makes 12 New Buys in First Quarter May 11 2015 
Auxier Focus Fund Update - Telecom Cuts, H&R, Home Depot and Others Aug 31 2013 
Donald Smith’s Q3 Portfolio Updates: Two New Stocks Are StanCorp Financial and Nabors Industries Nov 14 2012 
9 Dividend Stocks with Low P/B Ratios Sep 20 2011 
Cheapest Dividend Contenders With Best EPS Growth Sep 10 2011 
Auxier Fund Q2 Update: Buys AFL, TEF, AIG, SFG, JWN, QCOM, BK, MRK, MDT Aug 09 2011 
StanCorp Financial Group Inc. Reports Operating Results (10-K) Feb 25 2011 
StanCorp Financial Group Inc. (SFG) President & CEO Greg J Ness sells 10,000 Shares Dec 15 2010 
StanCorp Financial Group Inc. (SFG) President & CEO Greg J Ness sells 15,000 Shares May 04 2010 
StanCorp Financial Group Inc. (SFG) President & CEO Greg J Ness sells 3,000 Shares Mar 10 2010 

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