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State Auto Financial Corporation STFC NASDAQ

NASDAQ Global Select • Financial Services • Insurance - Property & Casualty • US • USD

SharesGrow Score
48/100
1/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

State Auto Financial Corporation (STFC) is a Insurance - Property & Casualty company in the Financial Services sector, currently trading at $52.01. It has a SharesGrow Score of 48/100, indicating a mixed investment profile with 1 out of 7 criteria passed.

Financials: revenue is $1.5B, +1.8%/yr average growth. Net income is $13M, growing at +239.1%/yr. Net profit margin is 0.9% (thin). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $244M against $1.0B equity (Debt-to-Equity (D/E) ratio 0.24, conservative). Current ratio is 0.6 (tight liquidity). Debt-to-assets is 259.7%. Total assets: $94M.

Analyst outlook: 1 / 6 analysts rate STFC as buy (17%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 15/100 (Fail), Growth 73/100 (Pass), Past 75/100 (Partial), Health 67/100 (Partial), Moat 58/100 (Partial), Future 20/100 (Fail), Income 30/100 (Fail).

STFC SharesGrow Score Overview

48/100
SharesGrow Score
Mixed signals — some strengths
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VALUE 15/100
Valuation — P/E, PEG, Forward PEG
GROWTH 73/100
Financials — average growth
PAST 75/100
strong — trend
HEALTH 67/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 58/100
Gross margin is + market cap
FUTURE 20/100
Analyst outlook — as buy
INCOME 30/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — STFC

✗
VALUE Fail
15/100
STFC trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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✓
GROWTH Pass
73/100
STFC: +1.8%/yr revenue is, +239.1%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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~
PAST Partial
75/100
STFC: 3 / 4 years profitable. mixed. Score = 3 / 4 × 100. ≥ 80 = Pass.
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~
HEALTH Partial
67/100
Balance sheet STFC: Debt-to-Equity (D/E) ratio 0.24 (conservative), Current ratio is 0.6 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
58/100
STFC: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 58/100. ≥ 70 = Pass.
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✗
FUTURE Fail
20/100
Analyst outlook: 1 / 6 analysts rate STFC as buy (17%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
View details →
✗
INCOME Fail
30/100
STFC: Net profit margin is 0.9%. thin (0-5%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range51.96-52.14
Volume667.15K
Avg Volume (30D)67.33K
Beta (1Y)0.36
Dividend Yield$9.1525
Share Statistics
EPS (TTM)0.30
Shares Outstanding$44.3M
IPO Date1991-06-28
Employees2,025
CEOMichael LaRocco
Financial Highlights & Ratios
Revenue (TTM)$1.48B
Gross Profit$1.48B
EBITDA$29.7M
Net Income$13.1M
Operating Income$1B
Total Cash$2.33B
Total Debt$244.1M
Net Debt$153.4M
Total Assets$94M
Price / Earnings (P/E)173.4
Analyst Forecast
Rating ConsensusHold
Analysts Covering6
Buy 17% Hold 83% Sell 0%
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS8557071052

Price Chart

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STFC
State Auto Financial Corporation ↗  ·  NASDAQ Global Select
Financial Services • Insurance - Property & Casualty
51.96 52WK RANGE 52.14

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