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State Auto Financial Corporation (STFC)
Key financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 1,369 | 1,405 | 1,421 | 1,273 | 1,408 | 1,480 | 1,657 |
| Operating profit | $m | 1,001 | - | |||||
| Net profit | $m | 51 | 21 | -11 | 13 | 87 | 13 | 72 |
| EPS reported | $ | 0.30 | 1.62 | |||||
| Operating cashflow per share | $ | 1.11 | 1.11 | |||||
| Capex per share | $ | 0.00 | 0.00 | |||||
| FCF per share | $ | 1.11 | 1.11 | |||||
| Free cash flow | $m | 49 | -27 | |||||
| Net debt | $m | -2,084 | -2,147 | |||||
| Book value equity | $m | 1,010 | 955 | |||||
| Book value per share | $ | 22.80 | 21.56 | |||||
| Number of shares | m | 44.3 | 44.3 | |||||
| DPS (TTM paid) | $ | 0.40 | 0.00 |
Financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 59.13 | - | |||||
| P/B LTM | x | 0.78 | 2.41 | |||||
| P/S LTM | x | 0.53 | 1.39 | |||||
| P/FCF LTM | x | 16.04 | -84.09 | |||||
| EV/EBITDA LTM | x | 31.63 | 1.59 | |||||
| EV/Sales LTM | x | 0.63 | 0.09 | |||||
| Earnings Yield LTM | % | 1.69% | 0.57% | |||||
| FCF Yield | % | 6.24% | -1.19% | |||||
| Quality | ||||||||
| ROE | % | 1.30% | 1.33% | |||||
| ROIC | % | 1359.2% | 1359.2% | |||||
| Operating margin | % | 67.62% | 67.62% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 3.31% | 3.31% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -84.92% | - | |||||
| Sales Growth YoY | % | +5.16% | +17.83% | |||||
| Net Income Growth YoY | % | -85.01% | - | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | +794.55% | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.25% | 0.00% | |||||
| Dividend Growth | % | 0.00% | - | |||||
| Payout Ratio | % | 135.27% | 0.00% | |||||
| FCF/Debt | x | 0.20 | -0.22 | |||||
| Net Debt/EBITDA | x | 5.16 | 5.16 | |||||
| EBIT/Net interest | x | 212.98 | 212.98 | |||||
| Net debt/market cap | % | -265.15% | -93.21% | |||||
| Net debt/Equity | x | -2.06 | -2.25 | |||||
| Gross debt/equity | x | 0.24 | 0.13 | |||||
Company overview
State Auto Financial Corporation (STFC) operates as a U.S.-based insurer, providing a comprehensive suite of personal and commercial insurance solutions via its subsidiaries. Its business activities are divided into three core segments: Personal Insurance, Commercial Insurance, and Investment Operations. The Personal Insurance division focuses on coverage for individuals, including automobile, homeowners, and other personal lines. The Commercial Insurance segment serves small to mid-sized businesses, offering policies such as commercial auto, multi-peril packages, property (fire and allied), general liability, and workers' compensation, along with farm and ranch insurance. Additionally, the Investment Operations unit delivers investment management services to its affiliated insurance companies. STFC distributes its offerings primarily through independent agencies, encompassing both retail agencies and wholesale brokers. Established in 1950, the company's headquarters are situated in Columbus, Ohio, and it operates as a subsidiary of State Automobile Mutual Insurance Company, Inc.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
State Auto Financial Corporation (STFC)
State Auto Financial Corporation (STFC) operates as a U.S.-based insurer, providing a comprehensive suite of personal and commercial insurance solutions via its subsidiaries. Its business activities are divided into three core segments: Personal Insurance, Commercial Insurance, and Investment Operations. The Personal Insurance division focuses on coverage for individuals, including automobile, homeowners, and other personal lines. The Commercial Insurance segment serves small to mid-sized businesses, offering policies such as commercial auto, multi-peril packages, property (fire and allied), general liability, and workers' compensation, along with farm and ranch insurance. Additionally, the Investment Operations unit delivers investment management services to its affiliated insurance companies. STFC distributes its offerings primarily through independent agencies, encompassing both retail agencies and wholesale brokers. Established in 1950, the company's headquarters are situated in Columbus, Ohio, and it operates as a subsidiary of State Automobile Mutual Insurance Company, Inc.
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