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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.41
STFC's Cash-to-Debt is ranked lower than
71% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.82 vs. STFC: 0.41 )
Ranked among companies with meaningful Cash-to-Debt only.
STFC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.55 Max: 36.88
Current: 0.41
0.13
36.88
Equity-to-Asset 0.30
STFC's Equity-to-Asset is ranked higher than
58% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. STFC: 0.30 )
Ranked among companies with meaningful Equity-to-Asset only.
STFC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.21  Med: 0.34 Max: 0.48
Current: 0.3
0.21
0.48
Debt-to-Equity 0.14
STFC's Debt-to-Equity is ranked higher than
70% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. STFC: 0.14 )
Ranked among companies with meaningful Debt-to-Equity only.
STFC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0  Med: 0.14 Max: 0.47
Current: 0.14
0
0.47
Debt-to-EBITDA 1.25
STFC's Debt-to-EBITDA is ranked lower than
71% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.62 vs. STFC: 1.25 )
Ranked among companies with meaningful Debt-to-EBITDA only.
STFC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -2.06  Med: 2.33 Max: 17.76
Current: 1.25
-2.06
17.76
WACC vs ROIC
5.45%
3.58%
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
Net Margin % 2.24
STFC's Net Margin % is ranked lower than
85% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.25 vs. STFC: 2.24 )
Ranked among companies with meaningful Net Margin % only.
STFC' s Net Margin % Range Over the Past 10 Years
Min: -10.34  Med: 1.21 Max: 9.16
Current: 2.24
-10.34
9.16
ROE % 3.53
STFC's ROE % is ranked lower than
86% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.75 vs. STFC: 3.53 )
Ranked among companies with meaningful ROE % only.
STFC' s ROE % Range Over the Past 10 Years
Min: -20.4  Med: 1.91 Max: 12.96
Current: 3.53
-20.4
12.96
ROA % 1.03
STFC's ROA % is ranked lower than
86% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.09 vs. STFC: 1.03 )
Ranked among companies with meaningful ROA % only.
STFC' s ROA % Range Over the Past 10 Years
Min: -5.86  Med: 0.57 Max: 4.08
Current: 1.03
-5.86
4.08
3-Year Revenue Growth Rate 5.90
STFC's 3-Year Revenue Growth Rate is ranked lower than
52% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.30 vs. STFC: 5.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
STFC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -9.7  Med: 8.1 Max: 31.9
Current: 5.9
-9.7
31.9
3-Year EBITDA Growth Rate 4.90
STFC's 3-Year EBITDA Growth Rate is ranked higher than
58% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. STFC: 4.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
STFC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -43.5 Max: 140.3
Current: 4.9
0
140.3
GuruFocus has detected 6 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 30-Y Financials

Financials (Next Earnings Date: 2019-02-14 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2017

STFC Guru Trades in Q3 2017

Jim Simons 226,600 sh (+6.99%)
Chuck Royce 232,168 sh (-3.05%)
» More
Q4 2017

STFC Guru Trades in Q4 2017

HOTCHKIS & WILEY 29,845 sh (New)
Jim Simons 239,700 sh (+5.78%)
Chuck Royce 226,261 sh (-2.54%)
» More
Q1 2018

STFC Guru Trades in Q1 2018

Jim Simons 251,400 sh (+4.88%)
Chuck Royce 226,261 sh (unchged)
HOTCHKIS & WILEY 29,845 sh (unchged)
» More
Q2 2018

STFC Guru Trades in Q2 2018

Jim Simons 258,800 sh (+2.94%)
HOTCHKIS & WILEY Sold Out
Chuck Royce 207,697 sh (-8.20%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS:STFC

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

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:IPCC, NAS:UFCS, NAS:SAFT, MEX:Q, BKK:BKI, NAS:AMSF, NYSE:UVE, NAS:JRVR, NAS:KNSL, NYSE:STC, NAS:NAVG, NAS:AGII, OCSE:ALMB, NAS:NMIH, NAS:UIHC, XKRX:000370, NYSE:MBI, XPAR:COFA, TSE:8715, XKRX:000060 » details
Headquarter Location:USA
State Auto Financial Corp is a property and casualty insurance holding company. It is engaged in writing both personal and business and specialty insurance.

State Auto Financial Corp is a property and casualty insurance holding company. The company's main subsidiaries--State Auto P&C, Milbank, and State Auto Ohio--offer property and casualty insurance products and services, while Stateco provides investment management services. State Auto Financial and its subsidiaries market and distribute its products primarily in the United States through a network of independent agencies including retail agencies and wholesale brokers.

Ratios

vs
industry
vs
history
PE Ratio 46.40
STFC's PE Ratio is ranked lower than
99.99% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.27 vs. STFC: 46.40 )
Ranked among companies with meaningful PE Ratio only.
STFC' s PE Ratio Range Over the Past 10 Years
Min: 6.41  Med: 20.58 Max: 831
Current: 46.4
6.41
831
Forward PE Ratio 20.92
STFC's Forward PE Ratio is ranked lower than
84% of the 45 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.79 vs. STFC: 20.92 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 46.40
STFC's PE Ratio without NRI is ranked lower than
99.99% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.60 vs. STFC: 46.40 )
Ranked among companies with meaningful PE Ratio without NRI only.
STFC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.41  Med: 20.58 Max: 554
Current: 46.4
6.41
554
Price-to-Owner-Earnings 16.64
STFC's Price-to-Owner-Earnings is ranked lower than
64% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.52 vs. STFC: 16.64 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
STFC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.73  Med: 8.71 Max: 86.38
Current: 16.64
3.73
86.38
PB Ratio 1.59
STFC's PB Ratio is ranked higher than
50% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.43 vs. STFC: 1.59 )
Ranked among companies with meaningful PB Ratio only.
STFC' s PB Ratio Range Over the Past 10 Years
Min: 0.66  Med: 1.04 Max: 1.86
Current: 1.59
0.66
1.86
PS Ratio 1.03
STFC's PS Ratio is ranked higher than
68% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 vs. STFC: 1.03 )
Ranked among companies with meaningful PS Ratio only.
STFC' s PS Ratio Range Over the Past 10 Years
Min: 0.27  Med: 0.7 Max: 1.25
Current: 1.03
0.27
1.25
EV-to-EBIT 16.74
STFC's EV-to-EBIT is ranked lower than
87% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.73 vs. STFC: 16.74 )
Ranked among companies with meaningful EV-to-EBIT only.
STFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -296.8  Med: 15.9 Max: 73.1
Current: 16.74
-296.8
73.1
EV-to-EBITDA 15.13
STFC's EV-to-EBITDA is ranked lower than
83% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. STFC: 15.13 )
Ranked among companies with meaningful EV-to-EBITDA only.
STFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -51.2  Med: 15 Max: 346.3
Current: 15.13
-51.2
346.3
EV-to-Revenue 1.09
STFC's EV-to-Revenue is ranked higher than
58% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.19 vs. STFC: 1.09 )
Ranked among companies with meaningful EV-to-Revenue only.
STFC' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.1  Med: 0.7 Max: 1.2
Current: 1.09
0.1
1.2
PEG Ratio 8.72
STFC's PEG Ratio is ranked lower than
99.99% of the 48 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.32 vs. STFC: 8.72 )
Ranked among companies with meaningful PEG Ratio only.
STFC' s PEG Ratio Range Over the Past 10 Years
Min: 0.18  Med: 0.48 Max: 18.02
Current: 8.72
0.18
18.02
Shiller PE Ratio 87.60
STFC's Shiller PE Ratio is ranked lower than
99% of the 69 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.40 vs. STFC: 87.60 )
Ranked among companies with meaningful Shiller PE Ratio only.
STFC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.57  Med: 16.31 Max: 157.63
Current: 87.6
8.57
157.63

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.23
STFC's Dividend Yield % is ranked lower than
94% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.98 vs. STFC: 1.23 )
Ranked among companies with meaningful Dividend Yield % only.
STFC' s Dividend Yield % Range Over the Past 10 Years
Min: 1.19  Med: 2.03 Max: 5.93
Current: 1.23
1.19
5.93
Dividend Payout Ratio 0.56
STFC's Dividend Payout Ratio is ranked lower than
99.99% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.32 vs. STFC: 0.56 )
Ranked among companies with meaningful Dividend Payout Ratio only.
STFC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.15  Med: 0.8 Max: 2.4
Current: 0.56
0.15
2.4
Forward Dividend Yield % 1.23
STFC's Forward Dividend Yield % is ranked lower than
96% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.17 vs. STFC: 1.23 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.98
STFC's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.91 vs. STFC: 0.98 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
STFC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.95  Med: 1.61 Max: 4.71
Current: 0.98
0.95
4.71
3-Year Average Share Buyback Ratio -1.20
STFC's 3-Year Average Share Buyback Ratio is ranked lower than
64% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. STFC: -1.20 )
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: -14  Med: -0.7 Max: 2.5
Current: -1.2
-14
2.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.61
STFC's Price-to-Tangible-Book is ranked higher than
59% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. STFC: 1.61 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
STFC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.76  Med: 1.33 Max: 3.11
Current: 1.61
0.76
3.11
Price-to-Intrinsic-Value-Projected-FCF 0.98
STFC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
68% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.84 vs. STFC: 0.98 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
STFC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.3  Med: 0.6 Max: 1.43
Current: 0.98
0.3
1.43
Price-to-Median-PS-Value 1.45
STFC's Price-to-Median-PS-Value is ranked lower than
61% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.18 vs. STFC: 1.45 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
STFC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.5  Med: 1.21 Max: 3.28
Current: 1.45
0.5
3.28
Price-to-Graham-Number 1.82
STFC's Price-to-Graham-Number is ranked lower than
99.99% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.17 vs. STFC: 1.82 )
Ranked among companies with meaningful Price-to-Graham-Number only.
STFC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.49  Med: 0.95 Max: 4.44
Current: 1.82
0.49
4.44
Earnings Yield (Greenblatt) % 5.98
STFC's Earnings Yield (Greenblatt) % is ranked lower than
74% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.78 vs. STFC: 5.98 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
STFC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -59.7  Med: 3.7 Max: 15.8
Current: 5.98
-59.7
15.8
Forward Rate of Return (Yacktman) % -5.06
STFC's Forward Rate of Return (Yacktman) % is ranked lower than
82% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.52 vs. STFC: -5.06 )
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: -8.6  Med: 11.5 Max: 36.1
Current: -5.06
-8.6
36.1

More Statistics

Revenue (TTM) (Mil) $1,373.40
EPS (TTM) $ 0.70
Beta0.42
Volatility18.66%
52-Week Range $25.12 - 34.31
Shares Outstanding (Mil)43.15

Analyst Estimate

Dec18 Dec19
Revenue (Mil $)
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 1.05 1.56
EPS without NRI ($) 1.05 1.56
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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