State Auto Financial Corporation
State Auto Financial Corporation Fundamental Analysis
State Auto Financial Corporation (STFC) shows weak financial fundamentals with a PE ratio of 175.88, profit margin of 0.88%, and ROE of 1.33%. 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 30.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze STFC's fundamental strength across five key dimensions:
Efficiency Score
ExcellentSTFC demonstrates superior asset utilization.
Valuation Score
ModerateSTFC shows balanced valuation metrics.
Growth Score
ModerateSTFC shows steady but slowing expansion.
Financial Health Score
ModerateSTFC shows balanced financial health with some risks.
Profitability Score
WeakSTFC struggles to sustain strong margins.
Key Financial Metrics
Is STFC Expensive or Cheap?
P/E Ratio
STFC trades at 175.88 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, STFC's PEG of 1.76 indicates fair valuation.
Price to Book
The market values State Auto Financial Corporation at 2.28 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -5.16 times EBITDA. This is generally considered low.
How Well Does STFC Make Money?
Net Profit Margin
For every $100 in sales, State Auto Financial Corporation keeps $0.88 as profit after all expenses.
Operating Margin
Core operations generate 67.62 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $1.33 in profit for every $100 of shareholder equity.
ROA
State Auto Financial Corporation generates $13.94 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $1.11 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
175.88
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.76
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.28
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.24
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.60
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.01
vs 25 benchmark
ROA
Return on assets percentage
0.14
vs 25 benchmark
ROCE
Return on capital employed
-18.20
vs 25 benchmark
How STFC Stacks Against Its Sector Peers
| Metric | STFC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 175.88 | 18.86 | Worse (Expensive) |
| ROE | 1.33% | 847.00% | Weak |
| Net Margin | 0.88% | 4202.00% | Weak |
| Debt/Equity | 0.24 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 0.60 | 667.17 | Weak Liquidity |
| ROA | 13.94% | -21543.00% (disorted) | Strong |
STFC outperforms its industry in 2 out of 6 key metrics, particularly excelling in ROA, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews State Auto Financial Corporation'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