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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 0.56
SFG's Cash to Debt is ranked lower than
77% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.06 vs. SFG: 0.56 )
Ranked among companies with meaningful Cash to Debt only.
SFG' s 10-Year Cash to Debt Range
Min: 0.07  Med: 0.35 Max: No Debt
Current: 0.56
Equity to Asset 0.10
SFG's Equity to Asset is ranked higher than
61% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. SFG: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
SFG' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.11 Max: 0.16
Current: 0.1
0.09
0.16
Interest Coverage 1.46
SFG's Interest Coverage is ranked lower than
94% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.17 vs. SFG: 1.46 )
Ranked among companies with meaningful Interest Coverage only.
SFG' s 10-Year Interest Coverage Range
Min: 0.87  Med: 1.61 Max: 9999.99
Current: 1.46
0.87
9999.99
F-Score: 6
WACC vs ROIC
12.75%
10.03%
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 (%) 11.94
SFG's Operating margin (%) is ranked higher than
65% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.73 vs. SFG: 11.94 )
Ranked among companies with meaningful Operating margin (%) only.
SFG' s 10-Year Operating margin (%) Range
Min: 6.33  Med: 10.65 Max: 16.26
Current: 11.94
6.33
16.26
Net-margin (%) 8.79
SFG's Net-margin (%) is ranked higher than
61% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.12 vs. SFG: 8.79 )
Ranked among companies with meaningful Net-margin (%) only.
SFG' s 10-Year Net-margin (%) Range
Min: 4.78  Med: 6.84 Max: 9.3
Current: 8.79
4.78
9.3
ROE (%) 11.08
SFG's ROE (%) is ranked higher than
54% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.92 vs. SFG: 11.08 )
Ranked among companies with meaningful ROE (%) only.
SFG' s 10-Year ROE (%) Range
Min: 6.63  Med: 10.96 Max: 15.72
Current: 11.08
6.63
15.72
ROA (%) 1.09
SFG's ROA (%) is ranked higher than
65% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.73 vs. SFG: 1.09 )
Ranked among companies with meaningful ROA (%) only.
SFG' s 10-Year ROA (%) Range
Min: 0.72  Med: 1.41 Max: 1.88
Current: 1.09
0.72
1.88
Revenue Growth (3Y)(%) -0.10
SFG's Revenue Growth (3Y)(%) is ranked lower than
89% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.60 vs. SFG: -0.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SFG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 8.20 Max: 15.5
Current: -0.1
0
15.5
EBITDA Growth (3Y)(%) 5.50
SFG's EBITDA Growth (3Y)(%) is ranked lower than
67% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.40 vs. SFG: 5.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SFG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 5.30 Max: 22.1
Current: 5.5
0
22.1
EPS Growth (3Y)(%) 18.40
SFG's EPS Growth (3Y)(%) is ranked higher than
60% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.90 vs. SFG: 18.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SFG' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 8.55 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

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
Q2 2015

SFG Guru Trades in Q2 2015

Richard Pzena 452,205 sh (+210.23%)
David Dreman Sold Out
Ken Fisher 517,239 sh (-1.84%)
RS Investment Management 959,713 sh (-1.85%)
RS Investment Management 959,713 sh (-1.85%)
Jim Simons 24,800 sh (-73.76%)
» 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) 19.70
SFG's P/E(ttm) is ranked lower than
86% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.20 vs. SFG: 19.70 )
Ranked among companies with meaningful P/E(ttm) only.
SFG' s 10-Year P/E(ttm) Range
Min: 4.98  Med: 11.91 Max: 19.73
Current: 19.7
4.98
19.73
Forward P/E 19.31
SFG's Forward P/E is ranked lower than
92% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.49 vs. SFG: 19.31 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.70
SFG's PE(NRI) is ranked lower than
85% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.10 vs. SFG: 19.70 )
Ranked among companies with meaningful PE(NRI) only.
SFG' s 10-Year PE(NRI) Range
Min: 4.98  Med: 11.90 Max: 19.73
Current: 19.7
4.98
19.73
P/B 2.15
SFG's P/B is ranked lower than
80% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.22 vs. SFG: 2.15 )
Ranked among companies with meaningful P/B only.
SFG' s 10-Year P/B Range
Min: 0.51  Med: 1.25 Max: 2.16
Current: 2.15
0.51
2.16
P/S 1.73
SFG's P/S is ranked lower than
83% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. SFG: 1.73 )
Ranked among companies with meaningful P/S only.
SFG' s 10-Year P/S Range
Min: 0.27  Med: 0.92 Max: 1.73
Current: 1.73
0.27
1.73
PFCF 18.89
SFG's PFCF is ranked lower than
84% of the 50 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.62 vs. SFG: 18.89 )
Ranked among companies with meaningful PFCF only.
SFG' s 10-Year PFCF Range
Min: 2.73  Med: 7.00 Max: 20.32
Current: 18.89
2.73
20.32
POCF 17.99
SFG's POCF is ranked lower than
90% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.87 vs. SFG: 17.99 )
Ranked among companies with meaningful POCF only.
SFG' s 10-Year POCF Range
Min: 2.45  Med: 5.86 Max: 18.05
Current: 17.99
2.45
18.05
EV-to-EBIT 9.53
SFG's EV-to-EBIT is ranked lower than
51% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.08 vs. SFG: 9.53 )
Ranked among companies with meaningful EV-to-EBIT only.
SFG' s 10-Year EV-to-EBIT Range
Min: 4.3  Med: 9.30 Max: 15.2
Current: 9.53
4.3
15.2
PEG 4.58
SFG's PEG is ranked lower than
92% of the 39 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.96 vs. SFG: 4.58 )
Ranked among companies with meaningful PEG only.
SFG' s 10-Year PEG Range
Min: 0.34  Med: 1.74 Max: 6.74
Current: 4.58
0.34
6.74
Shiller P/E 25.72
SFG's Shiller P/E is ranked lower than
88% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.18 vs. SFG: 25.72 )
Ranked among companies with meaningful Shiller P/E only.
SFG' s 10-Year Shiller P/E Range
Min: 3.9  Med: 13.55 Max: 25.73
Current: 25.72
3.9
25.73
Days Sales Outstanding 16.65
SFG's Days Sales Outstanding is ranked higher than
68% of the 37 Companies
in the Global Insurance - Life industry.

( Industry Median: 25.63 vs. SFG: 16.65 )
Ranked among companies with meaningful Days Sales Outstanding only.
SFG' s 10-Year Days Sales Outstanding Range
Min: 13.45  Med: 15.08 Max: 133.77
Current: 16.65
13.45
133.77

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.14
SFG's Dividend Yield is ranked lower than
143% of the 100 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.94 vs. SFG: 1.14 )
Ranked among companies with meaningful Dividend Yield only.
SFG' s 10-Year Dividend Yield Range
Min: 0.88  Med: 1.74 Max: 5.09
Current: 1.14
0.88
5.09
Dividend Payout 0.22
SFG's Dividend Payout is ranked higher than
61% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. SFG: 0.22 )
Ranked among companies with meaningful Dividend Payout only.
SFG' s 10-Year Dividend Payout Range
Min: 0.07  Med: 0.47 Max: 1.53
Current: 0.22
0.07
1.53
Dividend growth (3y) 13.50
SFG's Dividend growth (3y) is ranked higher than
57% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.30 vs. SFG: 13.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
SFG' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 10.75 Max: 49.4
Current: 13.5
0
49.4
Yield on cost (5-Year) 1.80
SFG's Yield on cost (5-Year) is ranked lower than
117% of the 103 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.35 vs. SFG: 1.80 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SFG' s 10-Year Yield on cost (5-Year) Range
Min: 1.39  Med: 2.75 Max: 8.05
Current: 1.8
1.39
8.05
Share Buyback Rate 1.20
SFG's Share Buyback Rate is ranked higher than
73% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. SFG: 1.20 )
Ranked among companies with meaningful Share Buyback Rate only.
SFG' s 10-Year Share Buyback Rate Range
Min: 0  Med: 3.15 Max: 1.2
Current: 1.2
0
1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.18
SFG's Price/Tangible Book is ranked lower than
65% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.59 vs. SFG: 2.18 )
Ranked among companies with meaningful Price/Tangible Book only.
SFG' s 10-Year Price/Tangible Book Range
Min: 0.61  Med: 1.36 Max: 2.14
Current: 2.18
0.61
2.14
Price/Projected FCF 1.01
SFG's Price/Projected FCF is ranked lower than
72% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.57 vs. SFG: 1.01 )
Ranked among companies with meaningful Price/Projected FCF only.
SFG' s 10-Year Price/Projected FCF Range
Min: 0.24  Med: 0.44 Max: 0.7
Current: 1.01
0.24
0.7
Price/DCF (Earnings Based) 2.23
SFG's Price/DCF (Earnings Based) is ranked lower than
100% of the 3 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.55 vs. SFG: 2.23 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.88
SFG's Price/Median PS Value is ranked lower than
100% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.99 vs. SFG: 1.88 )
Ranked among companies with meaningful Price/Median PS Value only.
SFG' s 10-Year Price/Median PS Value Range
Min: 0.46  Med: 1.01 Max: 1.49
Current: 1.88
0.46
1.49
Price/Peter Lynch Fair Value 3.74
SFG's Price/Peter Lynch Fair Value is ranked lower than
97% of the 31 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. SFG: 3.74 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SFG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.44  Med: 0.70 Max: 2.48
Current: 3.74
0.44
2.48
Price/Graham Number 1.37
SFG's Price/Graham Number is ranked lower than
76% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.91 vs. SFG: 1.37 )
Ranked among companies with meaningful Price/Graham Number only.
SFG' s 10-Year Price/Graham Number Range
Min: 0.47  Med: 0.84 Max: 1.17
Current: 1.37
0.47
1.17
Earnings Yield (Greenblatt) (%) 10.50
SFG's Earnings Yield (Greenblatt) (%) is ranked higher than
56% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. SFG: 10.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SFG' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 6.6  Med: 10.80 Max: 23.3
Current: 10.5
6.6
23.3
Forward Rate of Return (Yacktman) (%) 11.20
SFG's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.36 vs. SFG: 11.20 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SFG' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 11.2  Med: 24.25 Max: 48.5
Current: 11.2
11.2
48.5

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 2,838 2,934 3,008
EPS($) 5.95 5.90 6.45
EPS without NRI($) 5.95 5.90 6.45

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, PUKPF » details
Traded in other countries:1S7.Germany,
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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