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13.57 (1y: +19%)
Market Cap 1.61 B P/E(ttm) 9.60
Enterprise Value 2.07 B P/B 0.40
SYA- NYSE (USA)
Symetra Financial Corporation
Not Rated
Top Ranked Predictable Companies
$13.57
Switch to:

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 : 4/10

vs
industry		 vs
history
Cash to Debt 0.291
SYA's Cash to Debt is ranked lower than
69% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.10 vs. SYA: 0.291 )
SYA' s 10-Year Cash to Debt Range
Min: 0.29   Max: No Debt
Current: 0.29
Equity to Asset 0.123
SYA's Equity to Asset is ranked higher than
64% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. SYA: 0.123 )
SYA' s 10-Year Equity to Asset Range
Min: 0.01   Max: 0.12
Current: 0.12
0.01
0.12
Interest Coverage 8.2
SYA's Interest Coverage is ranked higher than
76% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10000.00 vs. SYA: 8.2 )
SYA' s 10-Year Interest Coverage Range
Min: 0   Max: 9
Current: 8.2
0
9
F-Score: 5
Z-Score: 0.17
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 : 5/10

vs
industry		 vs
history
Operating margin (%) 12.90
SYA's Operating margin (%) is ranked higher than
80% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.65 vs. SYA: 12.90 )
SYA' s 10-Year Operating margin (%) Range
Min: 0.9   Max: 15.6
Current: 12.9
0.9
15.6
Net-margin (%) 9.8
SYA's Net-margin (%) is ranked higher than
82% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.25 vs. SYA: 9.8 )
SYA' s 10-Year Net-margin (%) Range
Min: 1.5   Max: 10.7
Current: 9.8
1.5
10.7
ROE (%) 5.7
SYA's ROE (%) is ranked lower than
53% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.00 vs. SYA: 5.7 )
SYA' s 10-Year ROE (%) Range
Min: 5.7   Max: 12
Current: 5.7
5.7
12
ROA (%) 0.7
SYA's ROA (%) is ranked higher than
60% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. SYA: 0.7 )
SYA' s 10-Year ROA (%) Range
Min: 0.1   Max: 0.8
Current: 0.7
0.1
0.8
Revenue Growth (%) -0.2
SYA's Revenue Growth (%) is ranked lower than
93% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.05 vs. SYA: -0.2 )
SYA' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 2.8
Current: -0.2
0
2.8
EBITDA Growth (%) 2.1
SYA's EBITDA Growth (%) is ranked lower than
67% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.80 vs. SYA: 2.1 )
SYA' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 71.6
Current: 2.1
0
71.6
EPS Growth (%) 6.7
SYA's EPS Growth (%) is ranked higher than
96% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.90 vs. SYA: 6.7 )
SYA' s 10-Year EPS Growth (%) Range
Min: 0   Max: 64.1
Current: 6.7
0
64.1
ยป SYA's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

SYA Guru Trades in Q2 2012

Jeremy Grantham 55,500 sh (+73.98%)
Chuck Royce 717,400 sh (+1.9%)
David Dreman 994,039 sh (+0.29%)
Michael Price 1,790,000 sh (unchged)
Francis Chou 174,000 sh (unchged)
Chou RRSP Fund 174,000 sh (unchged)
Jim Simons Sold Out
Joel Greenblatt Sold Out
HOTCHKIS & WILEY 2,363,032 sh (-17.33%)
Paul Tudor Jones 14,200 sh (-23.66%)
NWQ Managers 191,944 sh (-28.82%)
» More
Q3 2012

SYA Guru Trades in Q3 2012

Paul Tudor Jones 35,500 sh (+150%)
Michael Price 1,790,000 sh (unchged)
NWQ Managers 191,944 sh (unchged)
Chuck Royce 714,300 sh (-0.43%)
HOTCHKIS & WILEY 2,329,132 sh (-1.43%)
David Dreman 968,176 sh (-2.6%)
Jeremy Grantham 44,200 sh (-20.36%)
Francis Chou 124,000 sh (-28.74%)
» More
Q4 2012

SYA Guru Trades in Q4 2012

Joel Greenblatt 13,275 sh (New)
Jeremy Grantham 52,536 sh (unchged)
Michael Price 1,790,000 sh (unchged)
Francis Chou 124,000 sh (unchged)
NWQ Managers 191,944 sh (unchged)
HOTCHKIS & WILEY 2,323,132 sh (-0.26%)
Chuck Royce 712,400 sh (-0.27%)
David Dreman 963,795 sh (-0.45%)
Paul Tudor Jones 34,200 sh (-3.66%)
Chou RRSP Fund 124,000 sh (-28.74%)
» More
Q1 2013

SYA Guru Trades in Q1 2013

Paul Tudor Jones 46,800 sh (+36.84%)
HOTCHKIS & WILEY 2,446,632 sh (+5.32%)
Jeremy Grantham 53,336 sh (+1.52%)
Joel Greenblatt Sold Out
Francis Chou Sold Out
David Dreman 953,582 sh (-1.06%)
Chuck Royce 670,952 sh (-5.82%)
Michael Price 1,476,800 sh (-17.5%)
NWQ Managers 46,957 sh (-75.54%)
» More
» Details

Insider Trades

Latest Guru Trades with SYA

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
NWQ Managers 2013-03-31 Reduce -75.54%0.02%$12.63 - $13.97 $ 13.612%46957
Joel Greenblatt 2013-03-31 Sold Out 0.01%$12.63 - $13.97 $ 13.612%0
Joel Greenblatt 2012-12-31 New Buy0.01%$10.91 - $13.02 $ 13.6111%13275
Joel Greenblatt 2012-12-31 New Buy0.01%$10.91 - $13.02 $ 13.6111%13275
NWQ Managers 2012-06-30 Reduce -28.82%0.01%$10.83 - $12.62 $ 13.6117%191944
Joel Greenblatt 2012-06-30 Sold Out 0.01%$10.83 - $12.62 $ 13.6117%0
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 9.60
SYA's P/E(ttm) is ranked higher than
96% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.95 vs. SYA: 9.60 )
SYA' s 10-Year P/E(ttm) Range
Min: 5.96   Max: 13.7
Current: 9.6
5.96
13.7
P/B 0.40
SYA's P/B is ranked higher than
91% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. SYA: 0.40 )
SYA' s 10-Year P/B Range
Min: 0.37   Max: 0.95
Current: 0.4
0.37
0.95
P/S 0.90
SYA's P/S is ranked lower than
51% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.75 vs. SYA: 0.90 )
SYA' s 10-Year P/S Range
Min: 0.58   Max: 1.24
Current: 0.9
0.58
1.24
PFCF 1.80
SYA's PFCF is ranked higher than
84% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.45 vs. SYA: 1.80 )
SYA' s 10-Year PFCF Range
Min: 1.14   Max: 2.58
Current: 1.8
1.14
2.58
EV-to-EBIT 8.2
SYA's EV-to-EBIT is ranked higher than
73% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. SYA: 8.2 )
SYA' s 10-Year EV-to-EBIT Range
Min: 4.9   Max: 8.3
Current: 8.2
4.9
8.3
PEG 0.2
SYA's PEG is ranked higher than
87% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.99 vs. SYA: 0.2 )
SYA' s 10-Year PEG Range
Min: 0   Max: 0.2
Current: 0.2
0
0.2

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.20
SYA's Dividend Yield is ranked higher than
58% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.15 vs. SYA: 2.20 )
SYA' s 10-Year Dividend Yield Range
Min: 0.4   Max: 2.71
Current: 2.2
0.4
2.71
Dividend Payout 0.2
SYA's Dividend Payout is ranked higher than
80% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.33 vs. SYA: 0.2 )
SYA' s 10-Year Dividend Payout Range
Min: 0.1   Max: 0.19
Current: 0.2
0.1
0.19
Yield on cost (5-Year) 2.20
SYA's Yield on cost (5-Year) is ranked higher than
53% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.17 vs. SYA: 2.20 )
SYA' s 10-Year Yield on cost (5-Year) Range
Min: 0.4   Max: 2.71
Current: 2.2
0.4
2.71
Share Buyback Rate -5.5
SYA's Share Buyback Rate is ranked lower than
71% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.85 vs. SYA: -5.5 )
SYA' s 10-Year Share Buyback Rate Range
Min: 0   Max: -5.5
Current: -5.5

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.5
SYA's Price/Tangible Book is ranked lower than
71% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. SYA: 0.5 )
SYA' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 0.8
Current: 0.5
0.4
0.8
Price/Median PS Value 0.9
SYA's Price/Median PS Value is ranked higher than
84% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. SYA: 0.9 )
SYA' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 1.2
Current: 0.9
0.8
1.2
Price/Graham Number 0.4
SYA's Price/Graham Number is ranked lower than
51% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.65 vs. SYA: 0.4 )
SYA' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 0.6
Current: 0.4
0.3
0.6
Earnings Yield (Greenblatt) 12.20
SYA's Earnings Yield (Greenblatt) is ranked higher than
78% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. SYA: 12.20 )
SYA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 12.1   Max: 20.6
Current: 12.2
12.1
20.6
Forward Rate of Return (Yacktman) 26.22
SYA's Forward Rate of Return (Yacktman) is ranked lower than
96% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.65 vs. SYA: 26.22 )
SYA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 30.7   Max: 33.1
Current: 26.22
30.7
33.1

Business Description

Symetra Financial Corporation is a Delaware corporation that, through its subsidiaries, offers group and individual insurance products and retirement products, including annuities marketed through benefits consultants, financial institutions and independent agents and advisors in all states and the District of Columbia. The company operates in five segments: Benefits, Deferred Annuities, Income Annuities, Life and Other. In benefits segment it offers medical stop-loss insurance, limited benefit medical plans, group life insurance, accidental death and dismemberment insurance and disability income insurance mainly to employer groups of 50 to 5,000 individuals. In addition to insurance products Benefits offers managing general underwriting, or MGU, services. In Deferred Annuities the company offers fixed and variable deferred annuities to consumers who want to accumulate tax-deferred assets for retirement. In Income Annuities it offers single premium immediate annuities, or SPIAs, to customers seeking a reliable source of retirement income or to protect against outliving their assets during retirement, and structured settlement annuities to fund third party personal injury settlements. In addition, Income Annuities offers funding services options to existing structured settlement clients. The company in Life Division offers a wide array of insurance products such as term and universal life insurance including single-premium life insurance, as well as BOLI and its other segment consists of unallocated corporate income, composed primarily of investment income on unallocated surplus, unallocated corporate expenses, interest expense on debt, earnings related to limited partnership interests, the results of small, non-insurance businesses that are managed outside of its divisions, and inter-segment elimination entries. Its principal products include medical stop-loss insurance; fixed and variable deferred annuities; single premium immediate annuities; universal life insurance, including single-premium life (SPL) and bank-owned life insurance (BOLI), and term life insurance. The Company's insurance operations are subject to a variety of laws and regulations. State insurance laws regulate most aspects of its insurance businesses, and its insurance subsidiaries are regulated by the insurance departments of the states in which they are domiciled and licensed.
Company Website
SEC Reports
Industry: Insurance - Life
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Traded in other countries:4SY.Germany
ยป More Articles for SYA

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