StanCorp Financial Group, Inc.
StanCorp Financial Group, Inc. Fundamental Analysis
StanCorp Financial Group, Inc. (SFG) shows weak financial fundamentals with a PE ratio of 4503.89, profit margin of 7.39%, and ROE of 9.83%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 68.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze SFG's fundamental strength across five key dimensions:
Efficiency Score
WeakSFG struggles to generate sufficient returns from assets.
Valuation Score
WeakSFG trades at a premium to fair value.
Growth Score
WeakSFG faces weak or negative growth trends.
Financial Health Score
ExcellentSFG maintains a strong and stable balance sheet.
Profitability Score
WeakSFG struggles to sustain strong margins.
Key Financial Metrics
Is SFG Expensive or Cheap?
P/E Ratio
SFG trades at 4503.89 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, SFG's PEG of 45.04 indicates potential overvaluation.
Price to Book
The market values StanCorp Financial Group, Inc. at 440.97 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at -0.11 times EBITDA. This is generally considered low.
How Well Does SFG Make Money?
Net Profit Margin
For every $100 in sales, StanCorp Financial Group, Inc. keeps $7.39 as profit after all expenses.
Operating Margin
Core operations generate 10.31 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.83 in profit for every $100 of shareholder equity.
ROA
StanCorp Financial Group, Inc. generates $0.93 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $7.87 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
4503.89
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
45.04
vs 25 benchmark
P/B Ratio
Price to book value ratio
440.97
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.23
vs 25 benchmark
Current Ratio
Current assets to current liabilities
44.33
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How SFG Stacks Against Its Sector Peers
| Metric | SFG Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 4503.89 | 18.92 | Worse (Expensive) |
| ROE | 9.83% | 814.00% | Weak |
| Net Margin | 7.39% | 1546.00% | Weak |
| Debt/Equity | 0.23 | 0.99 | Strong (Low Leverage) |
| Current Ratio | 44.33 | 654.93 | Strong Liquidity |
| ROA | 0.93% | -24327.00% (disorted) | Weak |
SFG outperforms its industry in 2 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews StanCorp Financial Group, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical