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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 0.68
STFC's Cash to Debt is ranked lower than
73% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. STFC: 0.68 )
Ranked among companies with meaningful Cash to Debt only.
STFC' s 10-Year Cash to Debt Range
Min: 0.13  Med: 0.70 Max: N/A
Current: 0.68
Equity to Asset 0.33
STFC's Equity to Asset is ranked higher than
67% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. STFC: 0.33 )
Ranked among companies with meaningful Equity to Asset only.
STFC' s 10-Year Equity to Asset Range
Min: 0.21  Med: 0.33 Max: 0.48
Current: 0.33
0.21
0.48
Interest Coverage 4.96
STFC's Interest Coverage is ranked lower than
87% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. STFC: 4.96 )
Ranked among companies with meaningful Interest Coverage only.
STFC' s 10-Year Interest Coverage Range
Min: 1.51  Med: 21.77 Max: 9999.99
Current: 4.96
1.51
9999.99
F-Score: 5
WACC vs ROIC
10.84%
12.96%
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 (%) 2.66
STFC's Operating margin (%) is ranked lower than
80% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.19 vs. STFC: 2.66 )
Ranked among companies with meaningful Operating margin (%) only.
STFC' s 10-Year Operating margin (%) Range
Min: -7.22  Med: 8.83 Max: 15.87
Current: 2.66
-7.22
15.87
Net-margin (%) 8.63
STFC's Net-margin (%) is ranked lower than
53% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.51 vs. STFC: 8.63 )
Ranked among companies with meaningful Net-margin (%) only.
STFC' s 10-Year Net-margin (%) Range
Min: -10.34  Med: 8.41 Max: 11.29
Current: 8.63
-10.34
11.29
ROE (%) 12.29
STFC's ROE (%) is ranked higher than
57% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. STFC: 12.29 )
Ranked among companies with meaningful ROE (%) only.
STFC' s 10-Year ROE (%) Range
Min: -20.4  Med: 12.64 Max: 18.33
Current: 12.29
-20.4
18.33
ROA (%) 3.97
STFC's ROA (%) is ranked higher than
66% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. STFC: 3.97 )
Ranked among companies with meaningful ROA (%) only.
STFC' s 10-Year ROA (%) Range
Min: -5.86  Med: 4.08 Max: 7.51
Current: 3.97
-5.86
7.51
ROC (Joel Greenblatt) (%) 466.58
STFC's ROC (Joel Greenblatt) (%) is ranked higher than
64% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 252.27 vs. STFC: 466.58 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
STFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -954.55  Med: 347.03 Max: 1308.43
Current: 466.58
-954.55
1308.43
Revenue Growth (3Y)(%) -9.70
STFC's Revenue Growth (3Y)(%) is ranked lower than
93% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. STFC: -9.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
STFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9.7  Med: 8.10 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

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
Q1 2015

STFC Guru Trades in Q1 2015

Jim Simons 38,068 sh (-1.30%)
Chuck Royce 523,064 sh (-2.24%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 10.52
STFC's P/E(ttm) is ranked higher than
72% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.70 vs. STFC: 10.52 )
Ranked among companies with meaningful P/E(ttm) only.
STFC' s 10-Year P/E(ttm) Range
Min: 6.41  Med: 13.02 Max: 874.74
Current: 10.52
6.41
874.74
Forward P/E 14.64
STFC's Forward P/E is ranked lower than
66% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.51 vs. STFC: 14.64 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.30
STFC's PE(NRI) is ranked higher than
73% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.70 vs. STFC: 10.30 )
Ranked among companies with meaningful PE(NRI) only.
STFC' s 10-Year PE(NRI) Range
Min: 6.41  Med: 13.04 Max: 554
Current: 10.3
6.41
554
P/B 1.21
STFC's P/B is ranked higher than
54% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. STFC: 1.21 )
Ranked among companies with meaningful P/B only.
STFC' s 10-Year P/B Range
Min: 0.66  Med: 1.07 Max: 2.04
Current: 1.21
0.66
2.04
P/S 0.90
STFC's P/S is ranked higher than
69% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.18 vs. STFC: 0.90 )
Ranked among companies with meaningful P/S only.
STFC' s 10-Year P/S Range
Min: 0.27  Med: 0.75 Max: 1.39
Current: 0.9
0.27
1.39
POCF 8.60
STFC's POCF is ranked higher than
57% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.41 vs. STFC: 8.60 )
Ranked among companies with meaningful POCF only.
STFC' s 10-Year POCF Range
Min: 3.36  Med: 8.41 Max: 19.11
Current: 8.6
3.36
19.11
EV-to-EBIT 27.59
STFC's EV-to-EBIT is ranked lower than
94% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.78 vs. STFC: 27.59 )
Ranked among companies with meaningful EV-to-EBIT only.
STFC' s 10-Year EV-to-EBIT Range
Min: -117.3  Med: 9.90 Max: 93.7
Current: 27.59
-117.3
93.7
Shiller P/E 72.71
STFC's Shiller P/E is ranked lower than
97% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.44 vs. STFC: 72.71 )
Ranked among companies with meaningful Shiller P/E only.
STFC' s 10-Year Shiller P/E Range
Min: 7.27  Med: 16.39 Max: 819.5
Current: 72.71
7.27
819.5
Days Sales Outstanding 0.21
STFC's Days Sales Outstanding is ranked higher than
99% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 83.83 vs. STFC: 0.21 )
Ranked among companies with meaningful Days Sales Outstanding only.
STFC' s 10-Year Days Sales Outstanding Range
Min: 0.09  Med: 10.26 Max: 25.21
Current: 0.21
0.09
25.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.49
STFC's Dividend Yield is ranked lower than
105% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.00 vs. STFC: 1.49 )
Ranked among companies with meaningful Dividend Yield only.
STFC' s 10-Year Dividend Yield Range
Min: 0.55  Med: 2.02 Max: 5.93
Current: 1.49
0.55
5.93
Dividend Payout 0.16
STFC's Dividend Payout is ranked higher than
81% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.33 vs. STFC: 0.16 )
Ranked among companies with meaningful Dividend Payout only.
STFC' s 10-Year Dividend Payout Range
Min: 0.05  Med: 0.13 Max: 1.43
Current: 0.16
0.05
1.43
Dividend growth (3y) -12.60
STFC's Dividend growth (3y) is ranked lower than
82% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. STFC: -12.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
STFC' s 10-Year Dividend growth (3y) Range
Min: -12.6  Med: 10.60 Max: 43.3
Current: -12.6
-12.6
43.3
Yield on cost (5-Year) 0.92
STFC's Yield on cost (5-Year) is ranked lower than
116% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.58 vs. STFC: 0.92 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
STFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.34  Med: 1.25 Max: 3.68
Current: 0.92
0.34
3.68
Share Buyback Rate -0.80
STFC's Share Buyback Rate is ranked lower than
54% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.50 vs. STFC: -0.80 )
Ranked among companies with meaningful Share Buyback Rate only.
STFC' s 10-Year Share Buyback Rate Range
Min: 2.8  Med: -0.50 Max: -6.3
Current: -0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
STFC's Price/Tangible Book is ranked higher than
62% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. STFC: 1.21 )
Ranked among companies with meaningful Price/Tangible Book only.
STFC' s 10-Year Price/Tangible Book Range
Min: 0.72  Med: 1.42 Max: 3.11
Current: 1.21
0.72
3.11
Price/Projected FCF 1.46
STFC's Price/Projected FCF is ranked lower than
84% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.78 vs. STFC: 1.46 )
Ranked among companies with meaningful Price/Projected FCF only.
STFC' s 10-Year Price/Projected FCF Range
Min: 0.39  Med: 0.76 Max: 1.33
Current: 1.46
0.39
1.33
Price/Median PS Value 1.21
STFC's Price/Median PS Value is ranked lower than
61% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. STFC: 1.21 )
Ranked among companies with meaningful Price/Median PS Value only.
STFC' s 10-Year Price/Median PS Value Range
Min: 0.47  Med: 1.32 Max: 3.06
Current: 1.21
0.47
3.06
Price/Graham Number 0.75
STFC's Price/Graham Number is ranked higher than
71% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.89 vs. STFC: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
STFC' s 10-Year Price/Graham Number Range
Min: 0.53  Med: 0.95 Max: 3.86
Current: 0.75
0.53
3.86
Earnings Yield (Greenblatt) (%) 3.66
STFC's Earnings Yield (Greenblatt) (%) is ranked lower than
82% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. STFC: 3.66 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
STFC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.1  Med: 8.20 Max: 15.5
Current: 3.66
1.1
15.5
Forward Rate of Return (Yacktman) (%) -11.35
STFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
88% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.68 vs. STFC: -11.35 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
STFC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -14.5  Med: 14.60 Max: 66.6
Current: -11.35
-14.5
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

Headlines

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State Auto Financial Reports Second Quarter 2009 Results Jul 28 2009 
State Auto Financial Reports Fourth Quarter 2008 Results Feb 17 2009 

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