NAS:STFC (USA)

State Auto Financial Corp

$ 34.58 0 (0%)
Volume: 78,770 Avg Vol (1m): 38,756
Market Cap $: 1.50 Bil Enterprise Value $: -586,020,000.00
P/E (TTM): 23.85 P/B: 1.70
Earnings Power Value 52.1
Net Current Asset Value 0
Tangible Book 20.39
Projected FCF 31.75
Median P/S Value 21.12
Graham Number 25.79
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
YTD (-%)

Financial Strength : 5/10

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.
Current vs industry vs history
Cash-to-Debt 0.59
Cash-To-Debt ranked lower than
71.21% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 10000, Med: 2.82, Min: 0.01
STFC: 0.59
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.13, Med: 0.55, Max: 36.88
Current: 0.59
0.13
36.88
Equity-to-Asset 0.31
Equity-to-Asset ranked higher than
58.33% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 0.95, Med: 0.25, Min: 0.03
STFC: 0.31
Ranked among companies with meaningful Equity-to-Asset only.
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
Debt-to-Equity 0.14
Debt-to-Equity ranked higher than
69.88% of 83 companies
in the Insurance - Property & Casualty industry.
Industry Max: 15.91, Med: 9999, Min: 0.01
STFC: 0.14
Ranked among companies with meaningful Debt-to-Equity only.
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 1.32
Debt-to-EBITDA ranked lower than
70.51% of 78 companies
in the Insurance - Property & Casualty industry.
Industry Max: 36.7, Med: 1.62, Min: 0.03
STFC: 1.32
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: -1.17, Med: 2.6, Max: 17.76
Current: 1.32
-1.17
17.76
WACC vs ROIC %
ROIC 0%
WACC 4.14%

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 4.88
Net Margin ranked lower than
84.96% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 94.29, Med: 6.25, Min: -370.67
STFC: 4.88
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -10.34, Med: 1.19, Max: 9.16
Current: 4.88
-10.34
9.16
ROE % 7.51
ROE ranked lower than
85.71% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 55.81, Med: 8.75, Min: -77.05
STFC: 7.51
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -20.4, Med: 1.86, Max: 12.96
Current: 7.51
-20.4
12.96
ROA % 2.19
ROA ranked lower than
86.47% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 17.69, Med: 2.09, Min: -17.18
STFC: 2.19
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -5.86, Med: 0.55, Max: 4.08
Current: 2.19
-5.86
4.08
3-Year Total Revenue Growth Rate -2.40
3-Year Revenue Growth Rate ranked lower than
51.59% of 126 companies
in the Insurance - Property & Casualty industry.
Industry Max: 456.8, Med: 6.3, Min: -30.7
STFC: -3.7
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -9.7, Med: 6.95, Max: 31.9
Current: -3.7
-9.7
31.9
3-Year Total EBITDA Growth Rate -32.20
3-Year EBITDA Growth Rate ranked higher than
58.04% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 210.7, Med: 1.7, Min: -149.7
STFC: -33.2
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
N/A
3-Year EPS w/o NRI Growth Rate -38.20
3-Year EPS w/o NRI Growth Rate ranked lower than
100.00% of 106 companies
in the Insurance - Property & Casualty industry.
Industry Max: 431.5, Med: 1.5, Min: -100
STFC: -38.2
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
N/A

» STFC's 30-Y Financials

Financials (Next Earnings Date: 2019-08-06)

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Business Description

Industry Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS : 524126    SIC : 6331
Compare NAS:SAFT NAS:KNSL XPAR:COFA NAS:SG OCSE:ALMB LSE:HSTG NAS:JRVR NAS:AMSF MEX:Q NAS:UFCS BKK:BKI NAS:NMIH NYSE:UVE NYSE:STC NYSE:PRA NYSE:MBI NAS:NAVG NAS:EMCI XKRX:000060 NAS:UIHC
Traded in other countries
Address 518 East Broad Street, Columbus, OH, USA, 43215-3976
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

Current vs industry vs history
PE Ratio (TTM) 23.85
PE Ratio ranked lower than
100.00% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1755, Med: 17.27, Min: 2.89
STFC: 23.85
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 6.41, Med: 22.32, Max: 831
Current: 23.85
6.41
831
Forward PE Ratio 19.76
Forward P/E ranked lower than
84.44% of 45 companies
in the Insurance - Property & Casualty industry.
Industry Max: 123.46, Med: 14.79, Min: 7.05
STFC: 19.76
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 23.85
PE without NRI ranked lower than
100.00% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1755, Med: 17.6, Min: 2.89
STFC: 23.85
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 6.41, Med: 22.32, Max: 554
Current: 23.85
6.41
554
Price-to-Owner-Earnings 17.74
Price-to-Owner-Earnings ranked lower than
64.29% of 84 companies
in the Insurance - Property & Casualty industry.
Industry Max: 3633.33, Med: 11.52, Min: 2.34
STFC: 17.74
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 3.73, Med: 8.91, Max: 86.38
Current: 17.74
3.73
86.38
PB Ratio 1.70
PB Ratio ranked higher than
50.38% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 11.38, Med: 1.43, Min: 0.08
STFC: 1.7
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.66, Med: 1.04, Max: 1.86
Current: 1.7
0.66
1.86
PS Ratio 1.15
PS Ratio ranked higher than
68.42% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 38.05, Med: 1.22, Min: 0.09
STFC: 1.15
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.27, Med: 0.7, Max: 1.25
Current: 1.15
0.27
1.25
EV-to-EBIT -7.05
EV-to-EBIT ranked lower than
86.73% of 113 companies
in the Insurance - Property & Casualty industry.
Industry Max: 322.99, Med: 12.73, Min: 0.38
STFC: -7.05
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: -296.8, Med: -19.05, Max: 200.2
Current: -7.05
-296.8
200.2
EV-to-EBITDA -6.36
EV-to-EBITDA ranked lower than
82.76% of 116 companies
in the Insurance - Property & Casualty industry.
Industry Max: 182.88, Med: 11.2, Min: 0.33
STFC: -6.36
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: -172.9, Med: -15.5, Max: 346.3
Current: -6.36
-172.9
346.3
EV-to-Revenue -0.44
EV-to-Revenue ranked higher than
57.81% of 128 companies
in the Insurance - Property & Casualty industry.
Industry Max: 27.81, Med: 1.19, Min: 0.01
STFC: -0.44
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -1.4, Med: -0.6, Max: 1.2
Current: -0.44
-1.4
1.2
Shiller PE Ratio 73.16
Shiller PE Ratio ranked lower than
98.55% of 69 companies
in the Insurance - Property & Casualty industry.
Industry Max: 433.84, Med: 20.4, Min: 7.01
STFC: 73.16
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 8.57, Med: 18.12, Max: 157.63
Current: 73.16
8.57
157.63

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.16
Trailing Dividend Yield ranked lower than
94.33% of 194 companies
in the Insurance - Property & Casualty industry.
Industry Max: 15.15, Med: 2.98, Min: 0.09
STFC: 1.16
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 1.14, Med: 1.97, Max: 5.93
Current: 1.16
1.14
5.93
Dividend Payout Ratio 0.27
Dividend Payout Ratio ranked lower than
100.00% of 134 companies
in the Insurance - Property & Casualty industry.
Industry Max: 4.8, Med: 0.32, Min: 0.02
STFC: 0.27
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.15, Med: 0.93, Max: 2.4
Current: 0.27
0.15
2.4
Forward Dividend Yield % 1.16
Forward Dividend Yield ranked lower than
95.83% of 192 companies
in the Insurance - Property & Casualty industry.
Industry Max: 17.42, Med: 3.17, Min: 0.09
STFC: 1.16
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 1.16
Yield-on-Cost (5y) ranked lower than
100.00% of 193 companies
in the Insurance - Property & Casualty industry.
Industry Max: 112.5, Med: 4.91, Min: 0.09
STFC: 1.16
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 1.14, Med: 1.97, Max: 5.93
Current: 1.16
1.14
5.93
3-Year Share Buyback Rate -1.70
3-Year Share Buyback Rate ranked lower than
64.37% of 87 companies
in the Insurance - Property & Casualty industry.
Industry Max: 21.9, Med: -0.4, Min: -49.5
STFC: -1.7
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -14, Med: -0.7, Max: 2.5
Current: -1.7
-14
2.5

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.70
Price-to-Tangible-Book ranked higher than
58.91% of 129 companies
in the Insurance - Property & Casualty industry.
Industry Max: 32.5, Med: 1.7, Min: 0.08
STFC: 1.7
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.76, Med: 1.33, Max: 3.11
Current: 1.7
0.76
3.11
Price-to-Projected-FCF 1.09
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
68.48% of 92 companies
in the Insurance - Property & Casualty industry.
Industry Max: 12.4, Med: 0.84, Min: 0.06
STFC: 1.09
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.3, Med: 0.6, Max: 1.43
Current: 1.09
0.3
1.43
Price-to-Median-PS-Value 1.64
Price-to-Median-PS-Value ranked lower than
60.50% of 119 companies
in the Insurance - Property & Casualty industry.
Industry Max: 7.15, Med: 1.18, Min: 0.35
STFC: 1.64
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.5, Med: 1.23, Max: 3.28
Current: 1.64
0.5
3.28
Price-to-Graham-Number 1.34
Price-to-Graham-Number ranked lower than
100.00% of 100 companies
in the Insurance - Property & Casualty industry.
Industry Max: 11.78, Med: 1.17, Min: 0.41
STFC: 1.34
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.49, Med: 0.95, Max: 4.44
Current: 1.34
0.49
4.44
Earnings Yield (Joel Greenblatt) % -14.18
Earnings Yield (Greenblatt) ranked lower than
74.24% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 263.16, Med: 6.78, Min: -238.1
STFC: -14.18
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: -49.5, Med: -3.1, Max: 10.7
Current: -14.18
-49.5
10.7
Forward Rate of Return (Yacktman) % -1.41
Forward Rate of Return ranked lower than
81.61% of 87 companies
in the Insurance - Property & Casualty industry.
Industry Max: 333.79, Med: 12.52, Min: -44.7
STFC: -1.41
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: -8.3, Med: 10.75, Max: 36.1
Current: -1.41
-8.3
36.1

More Statistics

Revenue (TTM) (Mil) $ 1,317.1
EPS (TTM) $ 1.45
Beta 0.33
Volatility % 15.41
52-Week Range $ 28.57 - 35.05
Shares Outstanding (Mil) 43.4

Analyst Estimate

Piotroski F-Score Details