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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 0.51
STFC's Cash to Debt is ranked lower than
75% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.48 vs. STFC: 0.51 )
Ranked among companies with meaningful Cash to Debt only.
STFC' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.67 Max: N/A
Current: 0.51
Equity to Asset 0.31
STFC's Equity to Asset is ranked higher than
60% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. STFC: 0.31 )
Ranked among companies with meaningful Equity to Asset only.
STFC' s Equity to Asset Range Over the Past 10 Years
Min: 0.21  Med: 0.33 Max: 0.48
Current: 0.31
0.21
0.48
Interest Coverage 9.15
STFC's Interest Coverage is ranked lower than
72% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. STFC: 9.15 )
Ranked among companies with meaningful Interest Coverage only.
STFC' s Interest Coverage Range Over the Past 10 Years
Min: 1.51  Med: 7.21 Max: 22.85
Current: 9.15
1.51
22.85
F-Score: 6
WACC vs ROIC
8.76%
13.01%
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 (%) 3.75
STFC's Operating margin (%) is ranked lower than
79% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.56 vs. STFC: 3.75 )
Ranked among companies with meaningful Operating margin (%) only.
STFC' s Operating margin (%) Range Over the Past 10 Years
Min: -7.22  Med: 2.05 Max: 15.87
Current: 3.75
-7.22
15.87
Net-margin (%) 8.61
STFC's Net-margin (%) is ranked higher than
50% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. STFC: 8.61 )
Ranked among companies with meaningful Net-margin (%) only.
STFC' s Net-margin (%) Range Over the Past 10 Years
Min: -10.34  Med: 3.54 Max: 11.05
Current: 8.61
-10.34
11.05
ROE (%) 13.00
STFC's ROE (%) is ranked higher than
68% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.17 vs. STFC: 13.00 )
Ranked among companies with meaningful ROE (%) only.
STFC' s ROE (%) Range Over the Past 10 Years
Min: -20.4  Med: 5.43 Max: 17.71
Current: 13
-20.4
17.71
ROA (%) 4.13
STFC's ROA (%) is ranked higher than
74% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.49 vs. STFC: 4.13 )
Ranked among companies with meaningful ROA (%) only.
STFC' s ROA (%) Range Over the Past 10 Years
Min: -5.86  Med: 1.68 Max: 5.67
Current: 4.13
-5.86
5.67
Revenue Growth (3Y)(%) -9.70
STFC's Revenue Growth (3Y)(%) is ranked lower than
94% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. STFC: -9.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
STFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.7  Med: 6.80 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

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
Q2 2015

STFC Guru Trades in Q2 2015

Jim Simons 82,799 sh (+117.50%)
Chuck Royce 523,064 sh (unchged)
» More
Q3 2015

STFC Guru Trades in Q3 2015

Jim Simons 102,800 sh (+24.16%)
Chuck Royce 523,064 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 7.75
STFC's P/E(ttm) is ranked higher than
88% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.80 vs. STFC: 7.75 )
Ranked among companies with meaningful P/E(ttm) only.
STFC' s P/E(ttm) Range Over the Past 10 Years
Min: 6.41  Med: 12.86 Max: 874.74
Current: 7.75
6.41
874.74
Forward P/E 13.93
STFC's Forward P/E is ranked lower than
60% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.97 vs. STFC: 13.93 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 7.75
STFC's PE(NRI) is ranked higher than
87% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.70 vs. STFC: 7.75 )
Ranked among companies with meaningful PE(NRI) only.
STFC' s PE(NRI) Range Over the Past 10 Years
Min: 6.41  Med: 12.95 Max: 554
Current: 7.75
6.41
554
P/B 0.99
STFC's P/B is ranked higher than
62% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 vs. STFC: 0.99 )
Ranked among companies with meaningful P/B only.
STFC' s P/B Range Over the Past 10 Years
Min: 0.66  Med: 1.06 Max: 2.05
Current: 0.99
0.66
2.05
P/S 0.68
STFC's P/S is ranked higher than
78% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. STFC: 0.68 )
Ranked among companies with meaningful P/S only.
STFC' s P/S Range Over the Past 10 Years
Min: 0.27  Med: 0.74 Max: 1.39
Current: 0.68
0.27
1.39
PFCF 118.39
STFC's PFCF is ranked lower than
98% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.12 vs. STFC: 118.39 )
Ranked among companies with meaningful PFCF only.
STFC' s PFCF Range Over the Past 10 Years
Min: 3.67  Med: 22.65 Max: 150.67
Current: 118.39
3.67
150.67
POCF 6.18
STFC's POCF is ranked higher than
66% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.24 vs. STFC: 6.18 )
Ranked among companies with meaningful POCF only.
STFC' s POCF Range Over the Past 10 Years
Min: 3.36  Med: 8.05 Max: 19.11
Current: 6.18
3.36
19.11
EV-to-EBIT 17.00
STFC's EV-to-EBIT is ranked lower than
90% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.19 vs. STFC: 17.00 )
Ranked among companies with meaningful EV-to-EBIT only.
STFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -296.8  Med: 10.00 Max: 44.1
Current: 17
-296.8
44.1
EV-to-EBITDA 13.20
STFC's EV-to-EBITDA is ranked lower than
86% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.08 vs. STFC: 13.20 )
Ranked among companies with meaningful EV-to-EBITDA only.
STFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -51.2  Med: 9.10 Max: 116.3
Current: 13.2
-51.2
116.3
Shiller P/E 23.17
STFC's Shiller P/E is ranked lower than
93% of the 59 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.20 vs. STFC: 23.17 )
Ranked among companies with meaningful Shiller P/E only.
STFC' s Shiller P/E Range Over the Past 10 Years
Min: 8.57  Med: 14.90 Max: 29.16
Current: 23.17
8.57
29.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.87
STFC's Dividend Yield is ranked lower than
99% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.09 vs. STFC: 1.87 )
Ranked among companies with meaningful Dividend Yield only.
STFC' s Dividend Yield Range Over the Past 10 Years
Min: 0.56  Med: 2.03 Max: 5.93
Current: 1.87
0.56
5.93
Dividend Payout 0.15
STFC's Dividend Payout is ranked higher than
83% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. STFC: 0.15 )
Ranked among companies with meaningful Dividend Payout only.
STFC' s Dividend Payout Range Over the Past 10 Years
Min: 0.05  Med: 0.13 Max: 1.67
Current: 0.15
0.05
1.67
Dividend Growth (3y) -12.60
STFC's Dividend Growth (3y) is ranked lower than
82% of the 76 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 Dividend Growth (3y) Range Over the Past 10 Years
Min: -12.6  Med: 10.10 Max: 43.3
Current: -12.6
-12.6
43.3
Forward Dividend Yield 1.89
STFC's Forward Dividend Yield is ranked lower than
88% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.60 vs. STFC: 1.89 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.16
STFC's Yield on cost (5-Year) is ranked lower than
99.99% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.59 vs. STFC: 1.16 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
STFC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.35  Med: 1.26 Max: 3.68
Current: 1.16
0.35
3.68
3-Year Average Share Buyback Ratio -0.80
STFC's 3-Year Average Share Buyback Ratio is ranked lower than
54% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.50 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: -1.1  Med: -0.45 Max: 2.8
Current: -0.8
-1.1
2.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
STFC's Price/Tangible Book is ranked higher than
68% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. STFC: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
STFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.72  Med: 1.38 Max: 3.11
Current: 1
0.72
3.11
Price/Projected FCF 1.20
STFC's Price/Projected FCF is ranked lower than
78% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.76 vs. STFC: 1.20 )
Ranked among companies with meaningful Price/Projected FCF only.
STFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.74 Max: 1.34
Current: 1.2
0.39
1.34
Price/Median PS Value 0.91
STFC's Price/Median PS Value is ranked higher than
68% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.01 vs. STFC: 0.91 )
Ranked among companies with meaningful Price/Median PS Value only.
STFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.47  Med: 1.33 Max: 3.1
Current: 0.91
0.47
3.1
Price/Graham Number 0.59
STFC's Price/Graham Number is ranked higher than
87% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.88 vs. STFC: 0.59 )
Ranked among companies with meaningful Price/Graham Number only.
STFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.54  Med: 0.96 Max: 4.02
Current: 0.59
0.54
4.02
Earnings Yield (Greenblatt) (%) 5.87
STFC's Earnings Yield (Greenblatt) (%) is ranked lower than
82% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. STFC: 5.87 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
STFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.3  Med: 8.60 Max: 15.8
Current: 5.87
2.3
15.8
Forward Rate of Return (Yacktman) (%) 4.68
STFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
72% of the 71 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.25 vs. STFC: 4.68 )
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: -1.3  Med: 14.15 Max: 63.1
Current: 4.68
-1.3
63.1

More Statistics

Revenue(Mil) $1318
EPS $ 2.75
Beta0.85
Short Percentage of Float2.66%
52-Week Range $17.84 - 27.37
Shares Outstanding(Mil)41.33

Analyst Estimate

Dec15 Dec16
Revenue(Mil)
EPS($) 1.38 1.52
EPS without NRI($) 1.38 1.52

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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