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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 0.42
NAS:STFC's Cash-to-Debt is ranked lower than
78% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.19 vs. NAS:STFC: 0.42 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:STFC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.69 Max: N/A
Current: 0.42
Equity-to-Asset 0.30
NAS:STFC's Equity-to-Asset is ranked higher than
59% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NAS:STFC: 0.30 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:STFC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.26  Med: 0.31 Max: 0.48
Current: 0.3
0.26
0.48
Interest Coverage 3.49
NAS:STFC's Interest Coverage is ranked lower than
90% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 29.34 vs. NAS:STFC: 3.49 )
Ranked among companies with meaningful Interest Coverage only.
NAS:STFC' s Interest Coverage Range Over the Past 10 Years
Min: 1.51  Med: 4.96 Max: 20.43
Current: 3.49
1.51
20.43
Piotroski F-Score: 4
WACC vs ROIC
6.82%
2.27%
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 : 4/10

vs
industry
vs
history
Operating Margin % 1.37
NAS:STFC's Operating Margin % is ranked lower than
84% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.95 vs. NAS:STFC: 1.37 )
Ranked among companies with meaningful Operating Margin % only.
NAS:STFC' s Operating Margin % Range Over the Past 10 Years
Min: -7.22  Med: 1.59 Max: 13.95
Current: 1.37
-7.22
13.95
Net Margin % 1.49
NAS:STFC's Net Margin % is ranked lower than
83% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.94 vs. NAS:STFC: 1.49 )
Ranked among companies with meaningful Net Margin % only.
NAS:STFC' s Net Margin % Range Over the Past 10 Years
Min: -10.34  Med: 1.65 Max: 10.7
Current: 1.49
-10.34
10.7
ROE % 2.34
NAS:STFC's ROE % is ranked lower than
83% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.23 vs. NAS:STFC: 2.34 )
Ranked among companies with meaningful ROE % only.
NAS:STFC' s ROE % Range Over the Past 10 Years
Min: -20.4  Med: 2.62 Max: 13.46
Current: 2.34
-20.4
13.46
ROA % 0.72
NAS:STFC's ROA % is ranked lower than
80% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.16 vs. NAS:STFC: 0.72 )
Ranked among companies with meaningful ROA % only.
NAS:STFC' s ROA % Range Over the Past 10 Years
Min: -5.86  Med: 0.83 Max: 5.19
Current: 0.72
-5.86
5.19
3-Year Revenue Growth Rate 5.70
NAS:STFC's 3-Year Revenue Growth Rate is ranked higher than
50% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. NAS:STFC: 5.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:STFC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -9.7  Med: 5.5 Max: 31.9
Current: 5.7
-9.7
31.9
3-Year EBITDA Growth Rate -23.00
NAS:STFC's 3-Year EBITDA Growth Rate is ranked lower than
90% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -2.60 vs. NAS:STFC: -23.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:STFC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -66.2  Med: 13.7 Max: 91.3
Current: -23
-66.2
91.3
3-Year EPS without NRI Growth Rate -30.50
NAS:STFC's 3-Year EPS without NRI Growth Rate is ranked lower than
93% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 vs. NAS:STFC: -30.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:STFC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -55.8  Med: 7.6 Max: 73.2
Current: -30.5
-55.8
73.2
GuruFocus has detected 4 Warning Signs with State Auto Financial Corp $NAS:STFC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:STFC's 10-Y Financials

Financials (Next Earnings Date: 2017-05-14 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

STFC Guru Trades in Q1 2016

Jim Simons 157,000 sh (+22.85%)
Chuck Royce 296,867 sh (-28.48%)
» More
Q2 2016

STFC Guru Trades in Q2 2016

Jim Simons 173,000 sh (+10.19%)
Chuck Royce 280,367 sh (-5.56%)
» More
Q3 2016

STFC Guru Trades in Q3 2016

Jim Simons 183,100 sh (+5.84%)
Chuck Royce 246,267 sh (-12.16%)
» More
Q4 2016

STFC Guru Trades in Q4 2016

Jim Simons 185,400 sh (+1.26%)
Chuck Royce 239,467 sh (-2.76%)
» More
» Details

Insider Trades

Latest Guru Trades with STFC

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NYSE:MBI, NAS:JRVR, NAS:UFCS, NAS:SAFT, NAS:IPCC, NAS:AMSF, NYSE:STC, NYSE:UVE, NAS:NAVG, NAS:NMIH, NAS:KNSL, NAS:GBLI, NAS:SNC, NAS:EMCI, NYSE:HCI, NAS:DGICB, NYSE:HRTG, NAS:BWINB, NAS:UIHC, NAS:AGII » details
State Auto Financial Corp is a property and casualty insurance holding company. It is engaged in writing both personal and business lines of insurance.

State Auto Financial Corp is an Ohio corporation incorporated in 1990. The Company is a property and casualty insurance holding company, which is engaged in writing both personal and business lines of insurance. In its personal insurance segment, it writes standard insurance covering personal exposures to individuals. The main coverage's offered are personal auto and homeowners. In its business insurance segment, it writes standard insurance covering small-to-medium sized commercial exposures. It offers a broad range of coverage's which include commercial auto, commercial multi-peril, business owners, fire & allied and general liability. In its specialty insurance segment, it offer commercial coverages that require specialized product underwriting, claims handling or risk management services through a distribution channel of retail agents and wholesale brokers, which may include program administrators and other specialty sources. Its specialty insurance products are written through its admitted and non-admitted insurers. Its specialty insurance segment is organized into the following three units: RED; Rockhill; and Workers' Compensation. It markets a line of property and casualty insurance products through independent agencies. Its subsidiaries provide investment management services to affiliated insurance companies; and 518 Property Management and Leasing, LLC ('518 PML'), which owns and leases property to affiliated companies. It markets its personal and business insurance through approximately 2900 retail agencies. The Company's investment portfolio is managed to provide growth of statutory surplus to facilitate increased premium writings over the long term while maintaining the ability to fund current insurance operations. The Company is subject to extensive regulation in the states in which it conducts business.

Ratios

vs
industry
vs
history
PE Ratio 54.88
STFC's PE Ratio is ranked lower than
96% of the 139 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.40 vs. STFC: 54.88 )
Ranked among companies with meaningful PE Ratio only.
STFC' s PE Ratio Range Over the Past 10 Years
Min: 6.41  Med: 15.02 Max: 831
Current: 54.88
6.41
831
Forward PE Ratio 24.63
STFC's Forward PE Ratio is ranked lower than
88% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.79 vs. STFC: 24.63 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 54.88
STFC's PE Ratio without NRI is ranked lower than
94% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.25 vs. STFC: 54.88 )
Ranked among companies with meaningful PE Ratio without NRI only.
STFC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.41  Med: 15.02 Max: 554
Current: 54.88
6.41
554
Price-to-Owner-Earnings 14.02
STFC's Price-to-Owner-Earnings is ranked lower than
67% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.89 vs. STFC: 14.02 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
STFC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.73  Med: 9.67 Max: 86.38
Current: 14.02
3.73
86.38
PB Ratio 1.30
STFC's PB Ratio is ranked higher than
55% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.38 vs. STFC: 1.30 )
Ranked among companies with meaningful PB Ratio only.
STFC' s PB Ratio Range Over the Past 10 Years
Min: 0.66  Med: 1.05 Max: 1.86
Current: 1.3
0.66
1.86
PS Ratio 0.82
STFC's PS Ratio is ranked higher than
66% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. STFC: 0.82 )
Ranked among companies with meaningful PS Ratio only.
STFC' s PS Ratio Range Over the Past 10 Years
Min: 0.27  Med: 0.7 Max: 1.29
Current: 0.82
0.27
1.29
Price-to-Free-Cash-Flow 10.13
STFC's Price-to-Free-Cash-Flow is ranked lower than
54% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. STFC: 10.13 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
STFC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.35  Med: 8.99 Max: 19.34
Current: 10.13
3.35
19.34
Price-to-Operating-Cash-Flow 10.13
STFC's Price-to-Operating-Cash-Flow is ranked lower than
59% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. STFC: 10.13 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
STFC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.35  Med: 8.96 Max: 19.13
Current: 10.13
3.35
19.13
EV-to-EBIT 47.65
STFC's EV-to-EBIT is ranked lower than
97% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.42 vs. STFC: 47.65 )
Ranked among companies with meaningful EV-to-EBIT only.
STFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -296.8  Med: 10.8 Max: 69.1
Current: 47.65
-296.8
69.1
EV-to-EBITDA 29.97
STFC's EV-to-EBITDA is ranked lower than
94% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.33 vs. STFC: 29.97 )
Ranked among companies with meaningful EV-to-EBITDA only.
STFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -51.2  Med: 10.5 Max: 346.3
Current: 29.97
-51.2
346.3
Shiller PE Ratio 50.10
STFC's Shiller PE Ratio is ranked lower than
98% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.68 vs. STFC: 50.10 )
Ranked among companies with meaningful Shiller PE Ratio only.
STFC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.57  Med: 14.84 Max: 50.99
Current: 50.1
8.57
50.99

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.46
STFC's Dividend Yield % is ranked lower than
93% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.74 vs. STFC: 1.46 )
Ranked among companies with meaningful Dividend Yield % only.
STFC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.89  Med: 2.02 Max: 5.93
Current: 1.46
0.89
5.93
Dividend Payout Ratio 0.80
STFC's Dividend Payout Ratio is ranked lower than
84% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.35 vs. STFC: 0.80 )
Ranked among companies with meaningful Dividend Payout Ratio only.
STFC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.15  Med: 0.56 Max: 2.4
Current: 0.8
0.15
2.4
Forward Dividend Yield % 1.46
STFC's Forward Dividend Yield % is ranked lower than
95% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. STFC: 1.46 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.95
STFC's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.19 vs. STFC: 0.95 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
STFC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.58  Med: 1.32 Max: 3.87
Current: 0.95
0.58
3.87
3-Year Average Share Buyback Ratio -0.80
STFC's 3-Year Average Share Buyback Ratio is ranked lower than
60% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. STFC: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
STFC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.7  Med: -0.6 Max: 2.5
Current: -0.8
-1.7
2.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.29
STFC's Price-to-Tangible-Book is ranked higher than
62% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. STFC: 1.29 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
STFC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.76  Med: 1.28 Max: 2
Current: 1.29
0.76
2
Price-to-Intrinsic-Value-Projected-FCF 1.18
STFC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
71% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.83 vs. STFC: 1.18 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
STFC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.58 Max: 1.2
Current: 1.18
0.31
1.2
Price-to-Median-PS-Value 1.17
STFC's Price-to-Median-PS-Value is ranked lower than
65% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. STFC: 1.17 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
STFC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.5  Med: 1.27 Max: 2.77
Current: 1.17
0.5
2.77
Price-to-Graham-Number 1.77
STFC's Price-to-Graham-Number is ranked lower than
85% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. STFC: 1.77 )
Ranked among companies with meaningful Price-to-Graham-Number only.
STFC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.63  Med: 1 Max: 1.8
Current: 1.77
0.63
1.8
Earnings Yield (Greenblatt) % 2.10
STFC's Earnings Yield (Greenblatt) % is ranked lower than
86% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. STFC: 2.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
STFC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.4  Med: 6.6 Max: 16.4
Current: 2.1
1.4
16.4
Forward Rate of Return (Yacktman) % -5.62
STFC's Forward Rate of Return (Yacktman) % is ranked lower than
88% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.71 vs. STFC: -5.62 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
STFC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -9.1  Med: 13.3 Max: 104.6
Current: -5.62
-9.1
104.6

More Statistics

Revenue (TTM) (Mil) $1,405
EPS (TTM) $ 0.50
Beta0.60
Short Percentage of Float3.80%
52-Week Range $18.69 - 27.97
Shares Outstanding (Mil)41.99

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.12 1.40
EPS without NRI ($) 1.12 1.40
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for STFC

Headlines

Articles On GuruFocus.com
The Highest Dividends at March 12, 2012 Mar 09 2012 
Harleysville Group Inc. (HGIC) Dividend Stock Analysis Jan 20 2011 
State Auto Financial Corp. (STFC) CEO Robert P Jr Restrepo buys 6,500 Shares May 11 2010 

More From Other Websites
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State Auto Financial Declares 103rd Consecutive Quarterly Dividend Mar 03 2017
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State Auto Financial Corp. breached its 50 day moving average in a Bearish Manner : STFC-US :... Feb 16 2017
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State Auto Financial posts 4Q profit Feb 14 2017
State Auto Financial posts 4Q profit Feb 14 2017
State Auto Financial Reports Fourth Quarter and Year 2016 Results Feb 14 2017
State Auto Financial Corp. : STFC-US: Dividend Analysis : December 09th, 2016 (record date) : By the... Jan 30 2017
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State Auto Financial Corp. breached its 50 day moving average in a Bearish Manner : STFC-US :... Jan 13 2017
State Auto Financial Announces Fourth Quarter 2016 Earnings Conference Call Jan 12 2017
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