STATE AUTO FINANCIAL CORP (STFC) Stock Fundamental Analysis

NASDAQ:STFC

52.01
+0.12 (+0.23%)
At close: Feb 28, 2022
52.01
0 (0%)
After Hours: 2/28/2022, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, STFC scores 2 out of 10 in our fundamental rating. STFC was compared to 149 industry peers in the Insurance industry. STFC has a bad profitability rating. Also its financial health evaluation is rather negative. STFC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

0

1. Profitability

1.1 Basic Checks

  • In the past year STFC has reported negative net income.
STFC Yearly Net Income VS EBIT VS OCF VS FCFSTFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 0 50M 100M

1.2 Ratios

Industry RankSector Rank
ROA 2.32%
ROE 7.51%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
STFC Yearly ROA, ROE, ROICSTFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 0 2 -2 4 6 8

1.3 Margins

  • The Operating Margin and Gross Margin are not available for STFC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 4.32%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
STFC Yearly Profit, Operating, Gross MarginsSTFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 0 2 4 6

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • The number of shares outstanding for STFC has been increased compared to 1 year ago.
  • STFC has a better debt/assets ratio than last year.
STFC Yearly Shares OutstandingSTFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 10M 20M 30M 40M
STFC Yearly Total Debt VS Total AssetsSTFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 1B 2B 3B

2.2 Solvency

  • STFC has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
STFC Yearly LT Debt VS Equity VS FCFSTFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The earnings per share for STFC have decreased by -3.45% in the last year.
  • Measured over the past years, STFC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -24.81% on average per year.
  • The Revenue has grown by 17.76% in the past year. This is quite good.
  • The Revenue has been growing slightly by 1.49% on average over the past years.
EPS 1Y (TTM)-3.45%
EPS 3Y0.13%
EPS 5Y-24.81%
EPS Q2Q%-80%
Revenue 1Y (TTM)17.76%
Revenue growth 3Y1.31%
Revenue growth 5Y1.49%
Sales Q2Q%-0.13%

3.2 Future

  • STFC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 106.66% yearly.
  • Based on estimates for the next years, STFC will show a small growth in Revenue. The Revenue will grow by 7.30% on average per year.
EPS Next Y-271.57%
EPS Next 2Y107.54%
EPS Next 3Y117.28%
EPS Next 5Y106.66%
Revenue Next Year13.94%
Revenue Next 2Y7.75%
Revenue Next 3Y7.09%
Revenue Next 5Y7.3%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
STFC Yearly Revenue VS EstimatesSTFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
STFC Yearly EPS VS EstimatesSTFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6

More info and screens

Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for STFC. In the last year negative earnings were reported.
  • With a Price/Forward Earnings ratio of 107.35, STFC can be considered very expensive at the moment.
  • STFC is valuated expensively when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 107.35
STFC Price Earnings VS Forward Price EarningsSTFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 -50 100

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA 24.35
STFC Per share dataSTFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • STFC's earnings are expected to grow with 117.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y107.54%
EPS Next 3Y117.28%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • STFC has a yearly dividend return of 0.77%, which is pretty low.
  • Compared to an average S&P500 Dividend Yield of 1.82, STFC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.77%

5.2 History

  • STFC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0%
Div Incr YearsN/A
Div Non Decr YearsN/A
STFC Yearly Dividends per shareSTFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 0 0 0 0 0

5.3 Sustainability

  • 24.69% of the earnings are spent on dividend by STFC. This is a low number and sustainable payout ratio.
DP24.69%
EPS Next 2Y107.54%
EPS Next 3Y117.28%
STFC Yearly Income VS Free CF VS DividendSTFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 0 20M 40M 60M 80M
STFC Dividend Payout.STFC Dividend Payout, showing the Payout Ratio.STFC Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

STATE AUTO FINANCIAL CORP

NASDAQ:STFC (2/28/2022, 8:00:00 PM)

After market: 52.01 0 (0%)

52.01

+0.12 (+0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-22
Earnings (Next)05-04
Inst Owners0.32%
Inst Owner Change0%
Ins Owners0.51%
Ins Owner Change0%
Market Cap2.31B
Revenue(TTM)1.66B
Net Income(TTM)71.70M
Analysts45.71
Price Target53.04 (1.98%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.77%
Yearly Dividend0.4
Dividend Growth(5Y)0%
DP24.69%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 107.35
P/S 1.4
P/FCF N/A
P/OCF N/A
P/B 2.42
P/tB N/A
EV/EBITDA 24.35
EPS(TTM)-0.6
EYN/A
EPS(NY)0.48
Fwd EY0.93%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS37.28
BVpS21.45
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 2.32%
ROE 7.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 4.32%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.54
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3.45%
EPS 3Y0.13%
EPS 5Y-24.81%
EPS Q2Q%-80%
EPS Next Y-271.57%
EPS Next 2Y107.54%
EPS Next 3Y117.28%
EPS Next 5Y106.66%
Revenue 1Y (TTM)17.76%
Revenue growth 3Y1.31%
Revenue growth 5Y1.49%
Sales Q2Q%-0.13%
Revenue Next Year13.94%
Revenue Next 2Y7.75%
Revenue Next 3Y7.09%
Revenue Next 5Y7.3%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

STATE AUTO FINANCIAL CORP / STFC FAQ

Can you provide the ChartMill fundamental rating for STATE AUTO FINANCIAL CORP?

ChartMill assigns a fundamental rating of 3 / 10 to STFC.


What is the valuation status for STFC stock?

ChartMill assigns a valuation rating of 0 / 10 to STATE AUTO FINANCIAL CORP (STFC). This can be considered as Overvalued.


Can you provide the profitability details for STATE AUTO FINANCIAL CORP?

STATE AUTO FINANCIAL CORP (STFC) has a profitability rating of 3 / 10.


Can you provide the dividend sustainability for STFC stock?

The dividend rating of STATE AUTO FINANCIAL CORP (STFC) is 3 / 10 and the dividend payout ratio is 24.69%.