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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 0.86
STFC's Cash to Debt is ranked higher than
67% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.89 vs. STFC: 0.86 )
STFC' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: 0.86

Equity to Asset 0.32
STFC's Equity to Asset is ranked higher than
83% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. STFC: 0.32 )
STFC' s 10-Year Equity to Asset Range
Min: 0.26   Max: 0.48
Current: 0.32

0.26
0.48
Interest Coverage 4.96
STFC's Interest Coverage is ranked higher than
55% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.39 vs. STFC: 4.96 )
STFC' s 10-Year Interest Coverage Range
Min: 1.51   Max: 9999.99
Current: 4.96

1.51
9999.99
F-Score: 5
Z-Score: 1.11
WACC vs ROIC
11.98%
13.67%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 2.29
STFC's Operating margin (%) is ranked higher than
58% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.37 vs. STFC: 2.29 )
STFC' s 10-Year Operating margin (%) Range
Min: -7.22   Max: 15.87
Current: 2.29

-7.22
15.87
Net-margin (%) 9.16
STFC's Net-margin (%) is ranked higher than
74% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. STFC: 9.16 )
STFC' s 10-Year Net-margin (%) Range
Min: -10.34   Max: 11.29
Current: 9.16

-10.34
11.29
ROE (%) 12.93
STFC's ROE (%) is ranked higher than
82% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.99 vs. STFC: 12.93 )
STFC' s 10-Year ROE (%) Range
Min: -20.4   Max: 18.33
Current: 12.93

-20.4
18.33
ROA (%) 4.15
STFC's ROA (%) is ranked higher than
85% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.20 vs. STFC: 4.15 )
STFC' s 10-Year ROA (%) Range
Min: -5.86   Max: 7.51
Current: 4.15

-5.86
7.51
ROC (Joel Greenblatt) (%) 325.24
STFC's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 276.99 vs. STFC: 325.24 )
STFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1019.09   Max: 1247.39
Current: 325.24

-1019.09
1247.39
Revenue Growth (3Y)(%) -9.70
STFC's Revenue Growth (3Y)(%) is ranked higher than
56% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.70 vs. STFC: -9.70 )
STFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9.7   Max: 31.9
Current: -9.7

-9.7
31.9
» STFC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

STFC Guru Trades in Q1 2014

Chuck Royce 535,064 sh (+3.84%)
» More
Q2 2014

STFC Guru Trades in Q2 2014

Jim Simons 14,968 sh (New)
Chuck Royce 535,064 sh (unchged)
» More
Q3 2014

STFC Guru Trades in Q3 2014

Jim Simons 15,768 sh (+5.34%)
Chuck Royce 535,064 sh (unchged)
» More
Q4 2014

STFC Guru Trades in Q4 2014

Jim Simons 38,568 sh (+144.60%)
Chuck Royce 535,064 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with STFC

(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) 9.20
STFC's P/E(ttm) is ranked higher than
90% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.50 vs. STFC: 9.20 )
STFC' s 10-Year P/E(ttm) Range
Min: 6.32   Max: 874.74
Current: 9.2

6.32
874.74
Forward P/E 13.77
STFC's Forward P/E is ranked higher than
78% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.77 vs. STFC: 13.77 )
N/A
PE(NRI) 9.20
STFC's PE(NRI) is ranked higher than
90% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.20 vs. STFC: 9.20 )
STFC' s 10-Year PE(NRI) Range
Min: 6.32   Max: 554
Current: 9.2

6.32
554
P/B 1.12
STFC's P/B is ranked higher than
80% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. STFC: 1.12 )
STFC' s 10-Year P/B Range
Min: 0.66   Max: 2.09
Current: 1.12

0.66
2.09
P/S 0.84
STFC's P/S is ranked higher than
85% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. STFC: 0.84 )
STFC' s 10-Year P/S Range
Min: 0.27   Max: 1.39
Current: 0.84

0.27
1.39
POCF 13.03
STFC's POCF is ranked higher than
68% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.41 vs. STFC: 13.03 )
STFC' s 10-Year POCF Range
Min: 3.36   Max: 19.11
Current: 13.03

3.36
19.11
EV-to-EBIT 34.24
STFC's EV-to-EBIT is ranked higher than
60% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. STFC: 34.24 )
STFC' s 10-Year EV-to-EBIT Range
Min: -117.3   Max: 93.7
Current: 34.24

-117.3
93.7
Shiller P/E 94.58
STFC's Shiller P/E is ranked higher than
60% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.71 vs. STFC: 94.58 )
STFC' s 10-Year Shiller P/E Range
Min: 7.3   Max: 204.88
Current: 94.58

7.3
204.88
Days Sales Outstanding 12.82
STFC's Days Sales Outstanding is ranked higher than
96% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 143.25 vs. STFC: 12.82 )
STFC' s 10-Year Days Sales Outstanding Range
Min: 0.09   Max: 25.21
Current: 12.82

0.09
25.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.67
STFC's Dividend Yield is ranked lower than
74% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.79 vs. STFC: 1.67 )
STFC' s 10-Year Dividend Yield Range
Min: 0.52   Max: 5.93
Current: 1.67

0.52
5.93
Dividend Payout 0.15
STFC's Dividend Payout is ranked higher than
92% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. STFC: 0.15 )
STFC' s 10-Year Dividend Payout Range
Min: 0.06   Max: 2.4
Current: 0.15

0.06
2.4
Dividend growth (3y) -12.60
STFC's Dividend growth (3y) is ranked higher than
62% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.30 vs. STFC: -12.60 )
STFC' s 10-Year Dividend growth (3y) Range
Min: -12.6   Max: 43.3
Current: -12.6

-12.6
43.3
Yield on cost (5-Year) 1.06
STFC's Yield on cost (5-Year) is ranked lower than
85% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.40 vs. STFC: 1.06 )
STFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.31   Max: 3.68
Current: 1.06

0.31
3.68
Share Buyback Rate -0.80
STFC's Share Buyback Rate is ranked higher than
70% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.10 vs. STFC: -0.80 )
STFC' s 10-Year Share Buyback Rate Range
Min: 2.7   Max: -6.3
Current: -0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
STFC's Price/Tangible Book is ranked higher than
85% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. STFC: 1.12 )
STFC' s 10-Year Price/Tangible Book Range
Min: 0.72   Max: 4.8
Current: 1.12

0.72
4.8
Price/DCF (Projected) 1.15
STFC's Price/DCF (Projected) is ranked higher than
70% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. STFC: 1.15 )
STFC' s 10-Year Price/DCF (Projected) Range
Min: 0.42   Max: 1.12
Current: 1.15

0.42
1.12
Price/Median PS Value 1.11
STFC's Price/Median PS Value is ranked higher than
78% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. STFC: 1.11 )
STFC' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 2.39
Current: 1.11

0.46
2.39
Price/Graham Number 0.68
STFC's Price/Graham Number is ranked higher than
90% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.99 vs. STFC: 0.68 )
STFC' s 10-Year Price/Graham Number Range
Min: 0.63   Max: 1.67
Current: 0.68

0.63
1.67
Earnings Yield (Greenblatt) 2.90
STFC's Earnings Yield (Greenblatt) is ranked higher than
58% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.30 vs. STFC: 2.90 )
STFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 15.5
Current: 2.9

1.1
15.5
Forward Rate of Return (Yacktman) -12.67
STFC's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 173 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.10 vs. STFC: -12.67 )
STFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -16.9   Max: 66.6
Current: -12.67

-16.9
66.6

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
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.
» More Articles for STFC

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