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 0.47
SFG's Cash to Debt is ranked higher than
72% of the 145 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.85 vs. SFG: 0.47 )
SFG' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.47

Equity to Asset 0.10
SFG's Equity to Asset is ranked higher than
85% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. SFG: 0.10 )
SFG' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.16
Current: 0.1

0.09
0.16
Interest Coverage 1.48
SFG's Interest Coverage is ranked higher than
64% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.86 vs. SFG: 1.48 )
SFG' s 10-Year Interest Coverage Range
Min: 0.87   Max: 9999.99
Current: 1.48

0.87
9999.99
F-Score: 6
Z-Score: 0.41
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 : 7/10

vs
industry
vs
history
Operating margin (%) 10.96
SFG's Operating margin (%) is ranked higher than
87% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.16 vs. SFG: 10.96 )
SFG' s 10-Year Operating margin (%) Range
Min: 6.33   Max: 16.26
Current: 10.96

6.33
16.26
Net-margin (%) 8.17
SFG's Net-margin (%) is ranked higher than
90% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.24 vs. SFG: 8.17 )
SFG' s 10-Year Net-margin (%) Range
Min: 4.76   Max: 9.3
Current: 8.17

4.76
9.3
ROE (%) 10.34
SFG's ROE (%) is ranked higher than
83% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.53 vs. SFG: 10.34 )
SFG' s 10-Year ROE (%) Range
Min: 6.66   Max: 15.72
Current: 10.34

6.66
15.72
ROA (%) 1.05
SFG's ROA (%) is ranked higher than
88% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.68 vs. SFG: 1.05 )
SFG' s 10-Year ROA (%) Range
Min: 0.73   Max: 1.88
Current: 1.05

0.73
1.88
ROC (Joel Greenblatt) (%) 366.29
SFG's ROC (Joel Greenblatt) (%) is ranked higher than
86% of the 137 Companies
in the Global Insurance - Life industry.

( Industry Median: 316.30 vs. SFG: 366.29 )
SFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 117.63   Max: 608.12
Current: 366.29

117.63
608.12
Revenue Growth (%) 3.00
SFG's Revenue Growth (%) is ranked higher than
79% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.70 vs. SFG: 3.00 )
SFG' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 15.5
Current: 3

0
15.5
EBITDA Growth (%) 4.30
SFG's EBITDA Growth (%) is ranked higher than
79% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.60 vs. SFG: 4.30 )
SFG' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 22.1
Current: 4.3

0
22.1
EPS Growth (%) 9.10
SFG's EPS Growth (%) is ranked higher than
82% of the 138 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.50 vs. SFG: 9.10 )
SFG' s 10-Year EPS Growth (%) Range
Min: 0   Max: 26.2
Current: 9.1

0
26.2
» SFG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

SFG Guru Trades in Q3 2013

Steven Cohen 5,971 sh (New)
Paul Tudor Jones 9,900 sh (New)
Chuck Royce 8,800 sh (unchged)
Donald Smith Sold Out
RS Investment Management 2,147,891 sh (-7.93%)
Jeremy Grantham 11,695 sh (-9.31%)
» More
Q4 2013

SFG Guru Trades in Q4 2013

Steven Cohen 6,229 sh (+4.32%)
Chuck Royce 8,800 sh (unchged)
Paul Tudor Jones Sold Out
Jeremy Grantham 10,317 sh (-11.78%)
RS Investment Management 1,728,881 sh (-19.51%)
» More
Q1 2014

SFG Guru Trades in Q1 2014

Paul Tudor Jones 4,700 sh (New)
Jim Simons 53,686 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%)
» 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 (-5.8%)
Chuck Royce 7,200 sh (-18.18%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2014-06-30 New Buy$58.45 - $67.36 $ 68.5510%870
Donald Smith 2013-09-30 Sold Out 0.34%$50.13 - $56 $ 68.5528%0
Donald Smith 2012-09-30 New Buy0.23%$29.08 - $38.05 $ 68.55112%245856
Ray Dalio 2011-09-30 Sold Out 0.01%$25.8 - $43.05 $ 68.55114%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.10
SFG's P/E(ttm) is ranked higher than
84% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.50 vs. SFG: 14.10 )
SFG' s 10-Year P/E(ttm) Range
Min: 4.98   Max: 14.71
Current: 14.1

4.98
14.71
P/B 1.30
SFG's P/B is ranked higher than
80% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.50 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 1.08
SFG's P/S is ranked higher than
76% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.82 vs. SFG: 1.08 )
SFG' s 10-Year P/S Range
Min: 0.27   Max: 1.3
Current: 1.08

0.27
1.3
PFCF 11.62
SFG's PFCF is ranked higher than
82% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 31.95 vs. SFG: 11.62 )
SFG' s 10-Year PFCF Range
Min: 2.73   Max: 42.7
Current: 11.62

2.73
42.7
EV-to-EBIT 11.01
SFG's EV-to-EBIT is ranked higher than
81% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.92 vs. SFG: 11.01 )
SFG' s 10-Year EV-to-EBIT Range
Min: 4.8   Max: 12.4
Current: 11.01

4.8
12.4
PEG 9.40
SFG's PEG is ranked higher than
83% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.27 vs. SFG: 9.40 )
SFG' s 10-Year PEG Range
Min: 0.34   Max: 16.19
Current: 9.4

0.34
16.19
Shiller P/E 16.97
SFG's Shiller P/E is ranked higher than
88% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 23.90 vs. SFG: 16.97 )
SFG' s 10-Year Shiller P/E Range
Min: 3.89   Max: 20.7
Current: 16.97

3.89
20.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.60
SFG's Dividend Yield is ranked lower than
63% of the 138 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.26 vs. SFG: 1.60 )
SFG' s 10-Year Dividend Yield Range
Min: 1.04   Max: 4.17
Current: 1.6

1.04
4.17
Dividend Payout 0.23
SFG's Dividend Payout is ranked higher than
80% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.34 vs. SFG: 0.23 )
SFG' s 10-Year Dividend Payout Range
Min: 0.07   Max: 1.53
Current: 0.23

0.07
1.53
Dividend growth (3y) 8.60
SFG's Dividend growth (3y) is ranked higher than
82% of the 104 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.60 vs. SFG: 8.60 )
SFG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 49.4
Current: 8.6

0
49.4
Yield on cost (5-Year) 2.29
SFG's Yield on cost (5-Year) is ranked lower than
56% of the 139 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.41 vs. SFG: 2.29 )
SFG' s 10-Year Yield on cost (5-Year) Range
Min: 1.49   Max: 5.96
Current: 2.29

1.49
5.96
Share Buyback Rate 1.80
SFG's Share Buyback Rate is ranked higher than
91% of the 129 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.30 vs. SFG: 1.80 )
SFG' s 10-Year Share Buyback Rate Range
Min: 0   Max: 1.8
Current: 1.8

0
1.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.32
SFG's Price/Tangible Book is ranked higher than
82% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.69 vs. SFG: 1.32 )
SFG' s 10-Year Price/Tangible Book Range
Min: 0.61   Max: 2.14
Current: 1.32

0.61
2.14
Price/DCF (Projected) 0.61
SFG's Price/DCF (Projected) is ranked higher than
84% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.95 vs. SFG: 0.61 )
SFG' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 0.68
Current: 0.61

0.24
0.68
Price/Median PS Value 1.22
SFG's Price/Median PS Value is ranked higher than
72% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.01 vs. SFG: 1.22 )
SFG' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 1.54
Current: 1.22

0.47
1.54
Price/Graham Number 0.89
SFG's Price/Graham Number is ranked higher than
83% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.04 vs. SFG: 0.89 )
SFG' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 1.17
Current: 0.89

0.47
1.17
Earnings Yield (Greenblatt) 9.10
SFG's Earnings Yield (Greenblatt) is ranked higher than
80% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.20 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) 9.70
SFG's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 128 Companies
in the Global Insurance - Life industry.

( Industry Median: 19.32 vs. SFG: 9.70 )
SFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 11.3   Max: 48.1
Current: 9.7

11.3
48.1

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, StanCorp has 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. StanCorp operates through two segments: Insurance Services and Asset Management. Its insurance businesses offer group and individual disability insurance, group life and accidental death and dismemberment ('AD&D') insurance, group dental and group vision insurance and absence management services to individuals and employer groups ranging in size from two lives to more than 164,000 lives. Its group insurance products are sold by sales representatives through independent employee benefit brokers and consultants. It asset management businesses offer 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 through an affiliated broker-dealer. Its asset management businesses also offer investment advisory and management services, financial planning services, commercial mortgage loan origination and servicing, individual fixed-rate annuities, group annuity contracts and retirement plan trust products. Investment services for 401(k), defined benefit, and other 401(a) qualified plans and governmental 457 plans are provided through a non-registered group annuity contract with third party brand name mutual funds through a separate account and, for certain plans, a stable value investment option managed by Standard. These plan services also are provided through an open architecture (NAV) platform offering mutual funds and collective trusts. Plans on the NAV platform can choose from any mutual fund that its trading partners are able to trade. Competition for the sale of its products comes mainly from other insurers and financial services companies such as banks, broker-dealers and mutual funds. The insurance industry in the United States is subject to extensive regulation. Such regulation relates to, among other things, terms and provisions of insurance policies, market conduct practices, maintenance of capital and payment of distributions, and financial reporting on a statutory basis of accounting.
» 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 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 
Weekly Guru Bargains Highlights: Newell Rubbermaid Inc., StanCorp Financial Group Inc., Wabtec, Amer Mar 28 2009 


More From Other Websites
StanCorp Gains as Earnings Beat on Solid Employee Benefits Oct 24 2014
StanCorp Financial Group Inc Earnings Call scheduled for 12:00 pm ET today Oct 23 2014
StanCorp Rallies Most Since January as Profit Exceeds Estimates Oct 23 2014
StanCorp beats 3Q profit forecasts Oct 22 2014
StanCorp beats 3Q profit forecasts Oct 22 2014
StanCorp Financial Group, Inc. to Host Third Quarter 2014 Earnings Conference Call on Thursday,... Oct 22 2014
STANCORP FINANCIAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 22 2014
StanCorp Financial Group, Inc. Reports Third Quarter 2014 Earnings Oct 22 2014
Q3 2014 StanCorp Financial Group Inc Earnings Release - After Market Close Oct 22 2014
Will StanCorp (SFG) Q3 Earnings Miss Due to Low Premium? Oct 21 2014
Standard Insurance Group's Ratings Affirmed by A.M. Best Sep 24 2014
A.M. Best Affirms Ratings of StanCorp Financial Group, Inc. and Its Subsidiaries Sep 23 2014
StanCorp Financial Group, Inc. to Announce Third Quarter 2014 Financial Results on October 22, 2014... Sep 22 2014
StanCorp Asset Management Steps Up, Employee Benefits Fall Sep 15 2014
The Standard Appoints New Retirement Plan Consultant Sep 03 2014
StanCorp Financial Group, Inc. to Present at the KBW 2014 Insurance Conference on September 4, 2014 Sep 02 2014
Oregon’s Largest Volunteer Expo Returns to Pioneer Courthouse Square Aug 25 2014
Cincinnati’s Largest Volunteer Expo Returns to Fountain Square Aug 25 2014
STANCORP FINANCIAL GROUP INC Financials Aug 13 2014
STANCORP FINANCIAL GROUP INC Files SEC form 10-Q, Quarterly Report Aug 06 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

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