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18.04 (1y: +28%)
Market Cap 707.1 M P/E(ttm) 22.80
Enterprise Value 837.38 M P/B 1.00
STFC- NAS (USA)
State Auto Financial Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$18.04
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GuruFocus Financial Strength Rank measures how strong a companyย’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 0.509
STFC's Cash to Debt is ranked higher than
52% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. STFC: 0.509 )
STFC' s 10-Year Cash to Debt Range
Min: 0.13   Max: 3.06
Current: 0.51
0.13
3.06
Equity to Asset 0.298
STFC's Equity to Asset is ranked higher than
70% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.24 vs. STFC: 0.298 )
STFC' s 10-Year Equity to Asset Range
Min: 0.27   Max: 0.43
Current: 0.3
0.27
0.43
Interest Coverage 1.5
STFC's Interest Coverage is ranked higher than
50% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.60 vs. STFC: 1.5 )
STFC' s 10-Year Interest Coverage Range
Min: 2   Max: 61
Current: 1.5
2
61
F-Score: 5
Z-Score: 1.05
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 3/10

vs
industry		 vs
history
Operating margin (%) 0.90
STFC's Operating margin (%) is ranked lower than
52% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. STFC: 0.90 )
STFC' s 10-Year Operating margin (%) Range
Min: -7   Max: 15.9
Current: 0.9
-7
15.9
Net-margin (%) 0.9
STFC's Net-margin (%) is ranked lower than
53% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.30 vs. STFC: 0.9 )
STFC' s 10-Year Net-margin (%) Range
Min: -9.4   Max: 11
Current: 0.9
-9.4
11
ROE (%) 1.5
STFC's ROE (%) is ranked lower than
52% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. STFC: 1.5 )
STFC' s 10-Year ROE (%) Range
Min: -19.4   Max: 16.7
Current: 1.5
-19.4
16.7
ROA (%) 0.4
STFC's ROA (%) is ranked lower than
51% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.60 vs. STFC: 0.4 )
STFC' s 10-Year ROA (%) Range
Min: -5.3   Max: 5.6
Current: 0.4
-5.3
5.6
Revenue Growth (%) -2.6
STFC's Revenue Growth (%) is ranked lower than
62% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.10 vs. STFC: -2.6 )
STFC' s 10-Year Revenue Growth (%) Range
Min: -2.6   Max: 23
Current: -2.6
-2.6
23
EPS Growth (%) 1.9
STFC's EPS Growth (%) is ranked higher than
79% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. STFC: 1.9 )
STFC' s 10-Year EPS Growth (%) Range
Min: -45.8   Max: 51
Current: 1.9
-45.8
51
ยป STFC's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

STFC Guru Trades in Q2 2012

Chuck Royce 512,264 sh (unchged)
Steven Cohen Sold Out
» More
Q3 2012

STFC Guru Trades in Q3 2012

Steven Cohen 1,114 sh (New)
Chuck Royce 512,264 sh (unchged)
» More
Q4 2012

STFC Guru Trades in Q4 2012

Chuck Royce 512,264 sh (unchged)
Steven Cohen Sold Out
» More
Q1 2013

STFC Guru Trades in Q1 2013

Steven Cohen 1,597 sh (New)
Chuck Royce 475,515 sh (-7.17%)
» More
» Details

Insider Trades

Latest Guru Trades with STFC



No Insider Trades Found!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 22.80
STFC's P/E(ttm) is ranked lower than
56% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.80 vs. STFC: 22.80 )
STFC' s 10-Year P/E(ttm) Range
Min: 6.32   Max: 831
Current: 22.8
6.32
831
P/B 1.00
STFC's P/B is ranked higher than
68% of the 150 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. STFC: 1.00 )
STFC' s 10-Year P/B Range
Min: 0.62   Max: 2.14
Current: 1
0.62
2.14
P/S 0.60
STFC's P/S is ranked higher than
80% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. STFC: 0.60 )
STFC' s 10-Year P/S Range
Min: 0.27   Max: 1.53
Current: 0.6
0.27
1.53
PFCF 11.00
STFC's PFCF is ranked lower than
56% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.71 vs. STFC: 11.00 )
STFC' s 10-Year PFCF Range
Min: 3.36   Max: 19.32
Current: 11
3.36
19.32
EV-to-EBIT 27
STFC's EV-to-EBIT is ranked lower than
66% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.19 vs. STFC: 27 )
STFC' s 10-Year EV-to-EBIT Range
Min: 6.4   Max: 105.4
Current: 27
6.4
105.4
Shiller P/E 177.2
STFC's Shiller P/E is ranked lower than
100% of the Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: vs. STFC: 177.2 )
STFC' s 10-Year Shiller P/E Range
Min: 7.27   Max: 204.88
Current: 177.2
7.27
204.88

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.50
STFC's Dividend Yield is ranked higher than
68% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.92 vs. STFC: 2.50 )
STFC' s 10-Year Dividend Yield Range
Min: 0.5   Max: 5.93
Current: 2.5
0.5
5.93
Dividend Payout 0.6265
STFC's Dividend Payout is ranked lower than
63% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.40 vs. STFC: 0.6265 )
STFC' s 10-Year Dividend Payout Range
Min: 0.06   Max: 2.34
Current: 0.63
0.06
2.34
Dividend growth (3y) -2.2
STFC's Dividend growth (3y) is ranked lower than
62% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. STFC: -2.2 )
STFC' s 10-Year Dividend growth (3y) Range
Min: -2.2   Max: 31
Current: -2.2
-2.2
31
Yield on cost (5-Year) 2.29
STFC's Yield on cost (5-Year) is ranked higher than
58% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.06 vs. STFC: 2.29 )
STFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.46   Max: 5.44
Current: 2.29
0.46
5.44
Share Buyback Rate -0.4
STFC's Share Buyback Rate is ranked higher than
50% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. STFC: -0.4 )
STFC' s 10-Year Share Buyback Rate Range
Min: 1.1   Max: -0.8
Current: -0.4

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1
STFC's Price/Tangible Book is ranked higher than
65% of the 145 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. STFC: 1 )
STFC' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 2
Current: 1
0.7
2
Price/DCF (Projected) 0.7
STFC's Price/DCF (Projected) is ranked higher than
51% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.60 vs. STFC: 0.7 )
STFC' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 0.7
Current: 0.7
0.3
0.7
Price/Median PS Value 0.7
STFC's Price/Median PS Value is ranked higher than
87% of the 145 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. STFC: 0.7 )
STFC' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.6
Current: 0.7
0.4
1.6
Price/Graham Number 1.8
STFC's Price/Graham Number is ranked lower than
80% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. STFC: 1.8 )
STFC' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.7
Current: 1.8
0.7
1.7
Earnings Yield (Greenblatt) 3.70
STFC's Earnings Yield (Greenblatt) is ranked higher than
56% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.70 vs. STFC: 3.70 )
STFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 15.6
Current: 3.7
0.9
15.6
Forward Rate of Return (Yacktman) 5.52
STFC's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. STFC: 5.52 )
STFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.2   Max: 126.1
Current: 5.52
6.2
126.1

Business Description

State Auto Financial Corporation 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 unit; Rockhill unit; and Workers' Compensation unit. It markets a line of property and casualty insurance products through independent agencies. It's subsidiaries provides investment management services to affiliated insurance companies; S.I.S., a developer and seller of insurance-related software; and 518 PML, which owns and leases property to affiliated companies. It markets its personal and business insurance through approximately 3,000 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.
Company Website
SEC Reports
Industry: Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY
ยป More Articles for STFC

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State Auto Financial Corp. (STFC) CEO Robert P Jr Restrepo buys 6,500 Shares May 11 2010 
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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