Fundamental Analysis of STATE AUTO FINANCIAL CORP(NASDAQ:STFC) stock

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to STFC. STFC was compared to 141 industry peers in the Insurance industry. STFC may be in some trouble as it scores bad on both profitability and health. STFC is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year STFC has reported negative net income.

1.2 Ratios

		Industry Rank	Sector 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

1.3 Margins

The Operating Margin and Gross Margin are not available for STFC so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for STFC has been increased compared to 1 year ago.

Compared to 1 year ago, STFC has an improved debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 0.13 indicates that STFC is not too dependend on debt financing.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

STFC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.76%.

Measured over the past years, STFC shows a small growth in Revenue. The Revenue has been growing by 1.49% on average per year.

EPS 1Y (TTM)-3.45%

EPS 3Y0.13%

EPS 5Y-24.81%

EPS growth Q2Q-80%

Revenue 1Y (TTM)17.76%

Revenue growth 3Y1.31%

Revenue growth 5Y1.49%

Revenue growth Q2Q-0.13%

3.2 Future

The Earnings Per Share is expected to grow by 106.66% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 7.30% on average over the next years.

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

STFC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

Based on the Price/Forward Earnings ratio of 107.35, the valuation of STFC can be described as expensive.

STFC's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 20.88.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	107.35

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	24.35

4.3 Compensation for Growth

A more expensive valuation may be justified as STFC's earnings are expected to grow with 117.28% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y107.54%

EPS Next 3Y117.28%

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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 2.41, STFC's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.77%

5.2 History

STFC has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)0%

Div Incr YearsN/A

Div Non Decr YearsN/A

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%

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STATE AUTO FINANCIAL CORP

NASDAQ:STFC (2/28/2022, 7:00:00 PM)

After market: 52.01 0 (0%)

52.01

+0.12 (+0.23%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap2.31B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.77%

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	107.35
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	2.32%
ROE	7.51%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	4.32%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.54

Health

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-3.45%

EPS 3Y0.13%

EPS 5Y

EPS growth Q2Q

EPS Next Y-271.57%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)17.76%

Revenue growth 3Y1.31%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

STATE AUTO FINANCIAL CORP (STFC)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens