Switch to:

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 : 5/10

vs
industry
vs
history
Cash to Debt N/A
STFC's Cash to Debt is ranked lower than
74% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.37 vs. STFC: N/A )
Ranked among companies with meaningful Cash to Debt only.
STFC' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.76 Max: N/A
Current: N/A
Equity to Asset 0.31
STFC's Equity to Asset is ranked higher than
59% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 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: 0.26  Med: 0.31 Max: 0.48
Current: 0.31
0.26
0.48
WACC vs ROIC
7.08%
-0.91%
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 : 3/10

vs
industry
vs
history
Operating margin (%) -0.93
STFC's Operating margin (%) is ranked lower than
94% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. STFC: -0.93 )
Ranked among companies with meaningful Operating margin (%) only.
STFC' s Operating margin (%) Range Over the Past 10 Years
Min: -7.22  Med: 1.8 Max: 13.95
Current: -0.93
-7.22
13.95
Net-margin (%) 1.49
STFC's Net-margin (%) is ranked lower than
93% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.52 vs. STFC: 1.49 )
Ranked among companies with meaningful Net-margin (%) only.
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
STFC's ROE (%) is ranked lower than
92% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.67 vs. STFC: 2.34 )
Ranked among companies with meaningful ROE (%) only.
STFC' s ROE (%) Range Over the Past 10 Years
Min: -20.4  Med: 3.81 Max: 13.46
Current: 2.34
-20.4
13.46
ROA (%) 0.73
STFC's ROA (%) is ranked lower than
91% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.45 vs. STFC: 0.73 )
Ranked among companies with meaningful ROA (%) only.
STFC' s ROA (%) Range Over the Past 10 Years
Min: -5.86  Med: 1.2 Max: 5.19
Current: 0.73
-5.86
5.19
Revenue Growth (3Y)(%) 5.70
STFC's Revenue Growth (3Y)(%) is ranked lower than
59% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.30 vs. STFC: 5.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
STFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.7  Med: 5.5 Max: 31.9
Current: 5.7
-9.7
31.9
EBITDA Growth (3Y)(%) -100.00
STFC's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.60 vs. STFC: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
STFC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 13.7 Max: 91.3
Current: -100
-100
91.3
EPS Growth (3Y)(%) -30.50
STFC's EPS Growth (3Y)(%) is ranked higher than
94% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.10 vs. STFC: -30.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
STFC' s EPS Growth (3Y)(%) 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 3 Warning Signs with State Auto Financial Corp $STFC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» STFC's 10-Y Financials

Financials


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

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NYSE:STC, NAS:SAFT, NAS:UFCS, NAS:JRVR, NAS:IPCC, NAS:AMSF, NYSE:UVE, NYSE:MBI, NAS:NMIH, NAS:KNSL, NAS:EMCI, NAS:GBLI, NAS:SNC, NAS:NAVG, NYSE:HRTG, NAS:DGICA, NYSE:HCI, NYSE:ENHPRC, NAS:BWINB, NAS:UIHC » 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
P/E(ttm) 54.31
STFC's P/E(ttm) is ranked lower than
99.99% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.25 vs. STFC: 54.31 )
Ranked among companies with meaningful P/E(ttm) only.
STFC' s P/E(ttm) Range Over the Past 10 Years
Min: 6.41  Med: 14.98 Max: 831
Current: 54.31
6.41
831
Forward P/E 23.42
STFC's Forward P/E is ranked lower than
89% of the 46 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.95 vs. STFC: 23.42 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 54.31
STFC's PE(NRI) is ranked lower than
99.99% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.30 vs. STFC: 54.31 )
Ranked among companies with meaningful PE(NRI) only.
STFC' s PE(NRI) Range Over the Past 10 Years
Min: 6.41  Med: 14.98 Max: 554
Current: 54.31
6.41
554
Price/Owner Earnings (ttm) 13.65
STFC's Price/Owner Earnings (ttm) is ranked lower than
59% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.91 vs. STFC: 13.65 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
STFC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.73  Med: 9.6 Max: 86.38
Current: 13.65
3.73
86.38
P/B 1.22
STFC's P/B is ranked higher than
59% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.33 vs. STFC: 1.22 )
Ranked among companies with meaningful P/B only.
STFC' s P/B Range Over the Past 10 Years
Min: 0.66  Med: 1.04 Max: 1.86
Current: 1.22
0.66
1.86
P/S 0.79
STFC's P/S is ranked higher than
69% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. STFC: 0.79 )
Ranked among companies with meaningful P/S only.
STFC' s P/S Range Over the Past 10 Years
Min: 0.27  Med: 0.7 Max: 1.29
Current: 0.79
0.27
1.29
PFCF 17.93
STFC's PFCF is ranked higher than
50% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. STFC: 17.93 )
Ranked among companies with meaningful PFCF only.
STFC' s PFCF Range Over the Past 10 Years
Min: 3.35  Med: 8.9 Max: 19.34
Current: 17.93
3.35
19.34
POCF 17.93
STFC's POCF is ranked lower than
54% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.93 vs. STFC: 17.93 )
Ranked among companies with meaningful POCF only.
STFC' s POCF Range Over the Past 10 Years
Min: 3.35  Med: 8.88 Max: 19.13
Current: 17.93
3.35
19.13
EV-to-EBIT -113.34
STFC's EV-to-EBIT is ranked lower than
99.99% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.83 vs. STFC: -113.34 )
Ranked among companies with meaningful EV-to-EBIT only.
STFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -296.8  Med: 10.55 Max: 69.1
Current: -113.34
-296.8
69.1
EV-to-EBITDA 653.39
STFC's EV-to-EBITDA is ranked lower than
98% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.47 vs. STFC: 653.39 )
Ranked among companies with meaningful EV-to-EBITDA only.
STFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -51.2  Med: 10.4 Max: 671.2
Current: 653.39
-51.2
671.2
Shiller P/E 48.64
STFC's Shiller P/E is ranked lower than
98% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.96 vs. STFC: 48.64 )
Ranked among companies with meaningful Shiller P/E only.
STFC' s Shiller P/E Range Over the Past 10 Years
Min: 8.57  Med: 14.82 Max: 49.16
Current: 48.64
8.57
49.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.48
STFC's Dividend Yield is ranked lower than
87% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.69 vs. STFC: 1.48 )
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: 1.48
0.89
5.93
Forward Dividend Yield 1.52
STFC's Forward Dividend Yield is ranked lower than
91% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.84 vs. STFC: 1.52 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.96
STFC's Yield on cost (5-Year) is ranked lower than
99.99% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.61 vs. STFC: 0.96 )
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: 0.58  Med: 1.32 Max: 3.87
Current: 0.96
0.58
3.87
3-Year Average Share Buyback Ratio -1.10
STFC's 3-Year Average Share Buyback Ratio is ranked lower than
58% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. STFC: -1.10 )
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: -1.1
-1.7
2.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.22
STFC's Price/Tangible Book is ranked higher than
65% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.57 vs. STFC: 1.22 )
Ranked among companies with meaningful Price/Tangible Book only.
STFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.76  Med: 1.3 Max: 2
Current: 1.22
0.76
2
Price/Projected FCF 6.04
STFC's Price/Projected FCF is ranked lower than
75% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.78 vs. STFC: 6.04 )
Ranked among companies with meaningful Price/Projected FCF only.
STFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.58 Max: 6.09
Current: 6.04
0.31
6.09
Price/Median PS Value 1.13
STFC's Price/Median PS Value is ranked lower than
54% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. STFC: 1.13 )
Ranked among companies with meaningful Price/Median PS Value only.
STFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.5  Med: 1.27 Max: 2.77
Current: 1.13
0.5
2.77
Earnings Yield (Greenblatt) (%) -0.90
STFC's Earnings Yield (Greenblatt) (%) is ranked lower than
92% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. STFC: -0.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
STFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.4  Med: 7.2 Max: 16.4
Current: -0.9
1.4
16.4
Forward Rate of Return (Yacktman) (%) -4.99
STFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
85% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.08 vs. STFC: -4.99 )
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: 13.4 Max: 104.6
Current: -4.99
-9.1
104.6

More Statistics

Revenue (TTM) (Mil) $1,405
EPS (TTM) $ 0.49
Beta0.60
Short Percentage of Float4.37%
52-Week Range $18.69 - 27.42
Shares Outstanding (Mil)41.74

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.12 1.46
EPS w/o NRI ($) 1.12 1.46
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NAS: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
[$$] Smartphone Addicts Behind the Wheel Drive Car Insurance Rates Higher Feb 21 2017
[$$] Smartphone Addicts Behind the Wheel Drive Car Insurance Rates Higher Feb 20 2017
STATE AUTO FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 17 2017
State Auto Financial Corp. breached its 50 day moving average in a Bearish Manner : STFC-US :... Feb 16 2017
Q4 2016 State Auto Financial Corp Earnings Release - Before Market Open Feb 14 2017
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
ETFs with exposure to State Auto Financial Corp. : January 17, 2017 Jan 17 2017
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
STATE AUTO FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 08 2016
State Auto Names Suzanne Sinclair Chief People Officer Dec 07 2016
STATE AUTO FINANCIAL CORP Financials Nov 17 2016
Title State Auto Financial Declares 102nd Consecutive Quarterly Dividend Nov 11 2016
State Auto Financial Declares 102nd Consecutive Quarterly Dividend Nov 11 2016
STATE AUTO FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Nov 08 2016
State Auto Financial Corp. breached its 50 day moving average in a Bullish Manner : STFC-US :... Nov 08 2016
STATE AUTO FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 07 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)