Switch to:

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 0.50
SFG's Cash to Debt is ranked higher than
67% of the 160 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.36 vs. SFG: 0.50 )
SFG' s 10-Year Cash to Debt Range
Min: 0.2   Max: No Debt
Current: 0.5

Equity to Asset 0.10
SFG's Equity to Asset is ranked higher than
86% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. SFG: 0.10 )
SFG' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.16
Current: 0.1

0.1
0.16
Interest Coverage 1.46
SFG's Interest Coverage is ranked higher than
64% of the 143 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.06 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: 0.40
WACC vs ROIC
14.08%
8.93%
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 (%) 10.36
SFG's Operating margin (%) is ranked higher than
87% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.82 vs. SFG: 10.36 )
SFG' s 10-Year Operating margin (%) Range
Min: 6.33   Max: 16.26
Current: 10.36

6.33
16.26
Net-margin (%) 7.92
SFG's Net-margin (%) is ranked higher than
87% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.85 vs. SFG: 7.92 )
SFG' s 10-Year Net-margin (%) Range
Min: 4.76   Max: 9.3
Current: 7.92

4.76
9.3
ROE (%) 9.89
SFG's ROE (%) is ranked higher than
80% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.79 vs. SFG: 9.89 )
SFG' s 10-Year ROE (%) Range
Min: 6.66   Max: 15.72
Current: 9.89

6.66
15.72
ROA (%) 0.99
SFG's ROA (%) is ranked higher than
87% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.66 vs. SFG: 0.99 )
SFG' s 10-Year ROA (%) Range
Min: 0.73   Max: 1.88
Current: 0.99

0.73
1.88
ROC (Joel Greenblatt) (%) 347.67
SFG's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 327.99 vs. SFG: 347.67 )
SFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 117.63   Max: 608.12
Current: 347.67

117.63
608.12
Revenue Growth (3Y)(%) -0.10
SFG's Revenue Growth (3Y)(%) is ranked higher than
70% of the 161 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 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 higher than
77% of the 162 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
87% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.70 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

Q1 2014

SFG Guru Trades in Q1 2014

Jim Simons 53,686 sh (New)
Paul Tudor Jones 4,700 sh (New)
Chuck Royce 8,800 sh (unchged)
RS Investment Management 1,659,604 sh (-4.01%)
Jeremy Grantham 9,300 sh (-9.86%)
Steven Cohen 4,320 sh (-30.65%)
RS Investment Management 1,728,881 sh (-38.15%)
» More
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
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.50
SFG's P/E(ttm) is ranked higher than
89% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.20 vs. SFG: 13.50 )
SFG' s 10-Year P/E(ttm) Range
Min: 4.98   Max: 14.71
Current: 13.5

4.98
14.71
Forward P/E 11.71
SFG's Forward P/E is ranked higher than
83% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.97 vs. SFG: 11.71 )
N/A
PE(NRI) 13.30
SFG's PE(NRI) is ranked higher than
89% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.30 vs. SFG: 13.30 )
SFG' s 10-Year PE(NRI) Range
Min: 4.98   Max: 14.69
Current: 13.3

4.98
14.69
P/B 1.30
SFG's P/B is ranked higher than
76% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.76 vs. SFG: 1.30 )
SFG' s 10-Year P/B Range
Min: 0.51   Max: 2.16
Current: 1.3

0.51
2.16
P/S 1.10
SFG's P/S is ranked higher than
73% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.82 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 13.10
SFG's PFCF is ranked higher than
78% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.95 vs. SFG: 13.10 )
SFG' s 10-Year PFCF Range
Min: 2.73   Max: 42.7
Current: 13.1

2.73
42.7
POCF 12.32
SFG's POCF is ranked higher than
74% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.01 vs. SFG: 12.32 )
SFG' s 10-Year POCF Range
Min: 2.45   Max: 13.89
Current: 12.32

2.45
13.89
EV-to-EBIT 10.77
SFG's EV-to-EBIT is ranked higher than
82% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.26 vs. SFG: 10.77 )
SFG' s 10-Year EV-to-EBIT Range
Min: 4.8   Max: 12.4
Current: 10.77

4.8
12.4
PEG 5.78
SFG's PEG is ranked higher than
84% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. SFG: 5.78 )
SFG' s 10-Year PEG Range
Min: 0.36   Max: 16.19
Current: 5.78

0.36
16.19
Shiller P/E 16.20
SFG's Shiller P/E is ranked higher than
90% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 28.94 vs. SFG: 16.20 )
SFG' s 10-Year Shiller P/E Range
Min: 3.89   Max: 20.76
Current: 16.2

3.89
20.76
Days Sales Outstanding 15.60
SFG's Days Sales Outstanding is ranked higher than
92% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. SFG: 15.60 )
SFG' s 10-Year Days Sales Outstanding Range
Min: 13.45   Max: 133.77
Current: 15.6

13.45
133.77

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
SFG's Dividend Yield is ranked lower than
55% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.23 vs. SFG: 1.90 )
SFG' s 10-Year Dividend Yield Range
Min: 0.88   Max: 5.09
Current: 1.9

0.88
5.09
Dividend Payout 0.26
SFG's Dividend Payout is ranked higher than
83% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.41 vs. SFG: 0.26 )
SFG' s 10-Year Dividend Payout Range
Min: 0.07   Max: 0.3
Current: 0.26

0.07
0.3
Dividend growth (3y) 13.50
SFG's Dividend growth (3y) is ranked higher than
82% of the 124 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 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) 3.00
SFG's Yield on cost (5-Year) is ranked higher than
57% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.65 vs. SFG: 3.00 )
SFG' s 10-Year Yield on cost (5-Year) Range
Min: 1.39   Max: 8.05
Current: 3

1.39
8.05
Share Buyback Rate 1.20
SFG's Share Buyback Rate is ranked higher than
90% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.40 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 1.30
SFG's Price/Tangible Book is ranked higher than
80% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.13 vs. SFG: 1.30 )
SFG' s 10-Year Price/Tangible Book Range
Min: 0.61   Max: 2.14
Current: 1.3

0.61
2.14
Price/DCF (Projected) 0.60
SFG's Price/DCF (Projected) is ranked higher than
89% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. SFG: 0.60 )
SFG' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 0.64
Current: 0.6

0.31
0.64
Price/Median PS Value 1.20
SFG's Price/Median PS Value is ranked higher than
76% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. SFG: 1.20 )
SFG' s 10-Year Price/Median PS Value Range
Min: 0.62   Max: 1.52
Current: 1.2

0.62
1.52
Price/Graham Number 0.90
SFG's Price/Graham Number is ranked higher than
87% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.39 vs. SFG: 0.90 )
SFG' s 10-Year Price/Graham Number Range
Min: 0.63   Max: 1.09
Current: 0.9

0.63
1.09
Earnings Yield (Greenblatt) 9.20
SFG's Earnings Yield (Greenblatt) is ranked higher than
79% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.20 vs. SFG: 9.20 )
SFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 8.1   Max: 20.7
Current: 9.2

8.1
20.7
Forward Rate of Return (Yacktman) 12.06
SFG's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.58 vs. SFG: 12.06 )
SFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 11.6   Max: 48.8
Current: 12.06

11.6
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
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 16 2010 
StanCorp Financial Group Inc. (SFG) President & CEO Greg J Ness sells 15,000 Shares May 05 2010 
StanCorp Financial Group Inc. (SFG) President & CEO Greg J Ness sells 3,000 Shares Mar 11 2010 
Weekly Guru Bargains Highlights: Newell Rubbermaid Inc., StanCorp Financial Group Inc., Wabtec, Amer Mar 28 2009 

More From Other Websites
StanCorp Financial Group, Inc. to Announce First Quarter 2015 Financial Results on April 23, 2015... Mar 24 2015
StanCorp Financial Group, Inc. to Announce First Quarter 2015 Financial Results on April 23, 2015... Mar 24 2015
The Standard Names Christopher Beaulieu as Assistant Vice President of Investments Mar 12 2015
STANCORP FINANCIAL GROUP INC Financials Mar 07 2015
10-K for StanCorp Financial Group, Inc. Feb 28 2015
STANCORP FINANCIAL GROUP INC Files SEC form 10-K, Annual Report Feb 26 2015
The Standard Promotes Jans Dykhouse to Second Vice President of Employee Benefits Sales Operations Feb 26 2015
The Standard Promotes Brian Lenius to Second Vice President and Associate Actuary Feb 26 2015
The Standard Recognizes Daniel Steenerson with Top National Disability Insurance Leadership Award Feb 19 2015
Genworth Incurs Loss in Q4 on Soft Long-Term Care Business - Analyst Blog Feb 11 2015
Reinsurance Group Beats on Q4 Earnings; Improves Y/Y - Analyst Blog Feb 03 2015
Torchmark Posts In-line Earnings in Q4, Guides for 2015 - Analyst Blog Feb 03 2015
StanCorp Q4 Earnings Beat Yet Fall Y/Y; 2015 Guidance - Analyst Blog Jan 30 2015
StanCorp Financial Group Inc Earnings Call scheduled for 12:00 pm ET today Jan 30 2015
StanCorp beats 4Q profit forecasts Jan 29 2015
StanCorp beats 4Q profit forecasts Jan 29 2015
STANCORP FINANCIAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 29 2015
StanCorp Financial Group, Inc. Reports Fourth Quarter and Full Year 2014 Earnings Jan 29 2015
Q4 2014 StanCorp Financial Group Inc Earnings Release - After Market Close Jan 29 2015
Will StanCorp Financial (SFG) Q4 Earnings Beat Estimates? - Analyst Blog Jan 27 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK