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STATE AUTO FINANCIAL CORP (STFC) Stock Fundamental Analysis

USA - NASDAQ:STFC - Common Stock

52.01
+0.12 (+0.23%)
Last: 2/28/2022, 8:00:00 PM
52.01
0 (0%)
After Hours: 2/28/2022, 8:00:00 PM
Fundamental Rating

2

STFC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 145 industry peers in the Insurance industry. Both the profitability and financial health of STFC have multiple concerns. STFC is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

STFC had negative earnings in the past year.
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 2015 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 2015 2016 2017 2018 2019 2020 0 2 -2 4 6 8

1.3 Margins

STFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2015 2016 2017 2018 2019 2020 0 2 4 6

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2. Health

2.1 Basic Checks

STFC has more shares outstanding than it did 1 year ago.
The debt/assets ratio for STFC has been reduced compared to a year ago.
STFC Yearly Shares OutstandingSTFC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 1B 2B 3B

2.2 Solvency

A Debt/Equity ratio of 0.13 indicates that STFC is not too dependend on debt financing.
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 2015 2016 2017 2018 2019 2020 200M 400M 600M 800M 1B

2.3 Liquidity

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

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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.
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 Q2Q%-80%
Revenue 1Y (TTM)17.76%
Revenue growth 3Y1.31%
Revenue growth 5Y1.49%
Sales Q2Q%-0.13%

3.2 Future

Based on estimates for the next years, STFC will show a very strong growth in Earnings Per Share. The EPS will grow by 106.66% on average per year.
STFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.30% yearly.
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6

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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.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.85, STFC is valued quite expensively.
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

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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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 2.38, 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 2015 2016 2017 2018 2019 2020 2021 0 0 0 0 0

5.3 Sustainability

STFC pays out 24.69% of its income as dividend. This is a 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 2015 2016 2017 2018 2019 2020 0 50M 100M
STFC Dividend Payout.STFC Dividend Payout, showing the Payout Ratio.STFC Dividend Payout.PayoutRetained Earnings

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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 2022-02-22
Earnings (Next)05-04 2022-05-04
Inst Owners0.32%
Inst Owner Change0%
Ins Owners0.51%
Ins Owner Change0%
Market Cap2.31B
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
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
ROICexcg growth 3Y0%
ROICexcg 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