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Overview
Profile

State Auto Financial Company

STFC
US8557071052
882860

Price

52.01
Today +/-
+0
Today %
+0 %
P

State Auto Financial stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the State Auto Financial stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the State Auto Financial stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the State Auto Financial stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze State Auto Financial's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

State Auto Financial Stock Price History

DateState Auto Financial Price
3/10/202252.01 undefined
3/9/202252.01 undefined

State Auto Financial Revenue, EBIT, Net Income

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  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into State Auto Financial, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by State Auto Financial from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects State Auto Financial’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of State Auto Financial. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into State Auto Financial’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing State Auto Financial’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on State Auto Financial’s growth potential.

State Auto Financial Revenue, EBIT and net profit per share

DateState Auto Financial RevenueState Auto Financial EBITState Auto Financial Net Income
2024e1.92 B undefined0 undefined158.9 M undefined
2023e1.78 B undefined0 undefined77.18 M undefined
2022e1.69 B undefined0 undefined21.57 M undefined
2021e1.65 B undefined0 undefined-34.73 M undefined
20201.48 B undefined19.1 M undefined13.1 M undefined
20191.41 B undefined111.9 M undefined87.4 M undefined
20181.28 B undefined18.6 M undefined12.8 M undefined
20171.43 B undefined44.4 M undefined-17.8 M undefined
20161.41 B undefined31.5 M undefined21 M undefined
20151.38 B undefined80.6 M undefined51.2 M undefined
20141.18 B undefined34.7 M undefined107.4 M undefined
20131.16 B undefined73.8 M undefined60.8 M undefined
20121.15 B undefined17.6 M undefined10.7 M undefined
20111.55 B undefined-105 M undefined-160.7 M undefined
20101.36 B undefined31.6 M undefined24.5 M undefined
20091.26 B undefined-5.2 M undefined10.2 M undefined
20081.18 B undefined-67.8 M undefined-31.1 M undefined
20071.11 B undefined162.9 M undefined119.1 M undefined
20061.12 B undefined169.1 M undefined120.4 M undefined
20051.14 B undefined180.8 M undefined125.9 M undefined
20041.09 B undefined158.9 M undefined110 M undefined
20031.04 B undefined86.9 M undefined63.6 M undefined
2002967.5 M undefined40.1 M undefined37 M undefined
2001623.3 M undefined20.3 M undefined20.6 M undefined

State Auto Financial Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)SHARES (M)DOCUMENTS
198919901991199219931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021e2022e2023e2024e
0.10.110.110.180.190.20.260.350.360.40.440.460.620.971.041.091.141.121.111.181.261.361.551.151.161.181.381.411.431.281.411.481.651.691.781.92
-4.855.5657.895.005.8231.5031.185.2210.749.455.0034.8555.227.654.904.30-1.93-0.366.116.357.8814.61-25.950.611.5617.112.620.92-10.5310.595.1111.541.945.767.91
------------------------------------
000000000000000000000000000000000000
8611111619353456495764204086158180169162-67-531-10517733480314418111190000
7.775.569.656.118.479.5013.319.8615.4312.1912.9513.853.214.148.2614.4715.8015.1314.56-5.67-0.402.29-6.761.486.312.895.812.203.091.417.871.28----
65891314252641374247203763110125120119-311024-16010601075121-17128713-342177158
--16.6760.0012.5044.447.6978.574.0057.69-9.7613.5111.90-57.4585.0070.2774.6013.64-4.00-0.83-126.05-132.26140.00-766.67-106.25500.0078.33-52.34-58.82-180.95-170.59625.00-85.06-361.54-161.76266.67105.19
242429.635.235.435.736.441.942.542.941.539.139.739.740.240.841.141.641.639.739.840.140.140.540.741.241.64242.143.44444.30000
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Details

Keystats

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Revenue and Growth

The State Auto Financial Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the State Auto Financial is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (B)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (M)TOTAL CAPITAL (B)
1990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020
                                                             
0000000000000000000000000000000
0000000000000000000000000000000
0000000000000000000000000000000
0000000000000000000000000000000
0000001418.829.434.749.348.354.459.863.265.36677.27.67.93.900000000
0000001418.829.434.749.348.354.459.863.265.36677.27.67.93.900000000
2.52.42.32.22.32.62.55.37.911.312.813.312.712.513.312.612.412.512.51211.610.48.88.48.17.67.47.37.14.24.2
0.140.180.250.270.270.370.380.530.580.630.751.141.271.571.841.981.942.021.942.182.312.232.272.252.42.482.612.692.62.672.78
000000009001.500.203.70037.69.17.612.300.31.14.96.74.85.96.31.7
0000000000000000000000000000000
00000002.11.92.52.320000000000000000000
1.81.63.403.600.2001.8013.85.80010.146.348.811175.986.30.5111.997.4102.5102.169.577.839.727.3
0.140.180.260.280.280.370.390.530.60.640.771.171.291.581.862.0122.082.12.282.412.252.282.272.52.592.732.772.692.722.81
0.140.180.260.280.280.370.40.550.630.680.821.221.351.641.922.0722.092.112.282.422.262.282.272.52.592.732.772.692.722.81
                                                             
2058.558.959.359.790.190.7104.6105.1105.9106.6107.6108.8110.4111.8112.8114.3115115.9116.6117.3117.8118.1118.8119.3120.4121.6123125125.9126.8
27.111.211.411.812.20.71.540.241.542.644.247.150.456.764.170.287.398.2109115.8122.1127.3131.6137.5143.2153.5159.9171.8194.2206.7213.3
19.327.134.746.760.767.589.1137.8174.1215.7262281.1316.3378485.7603708806.6749.2735.6736.1530.7519.1563.8654.7689.4693.8653.2712.7779.3774.4
-0.90.60.46.5-2.4105.214.820.30.220.31242.55353.134.3-17.3-3.3-97.6-2.9-7.963.884.2-3.8-38.3-30.9-30.3-62.2-76.2-67.7-83.6
0000000000000000000000084.611068.562.866-20.240.897.5
0.070.10.110.120.130.170.190.30.340.360.430.450.520.60.710.820.891.020.880.970.970.840.850.90.9911.010.950.941.091.13
0000000000000000000000000000000
0000000000000000000000000000000
3.92.23.60.21.43.742.33.56.72.96.20.70.90.707.27.815.900349.48.61.3002.418.622.4011.2
0000000000000000000000000000000
0000000000000000000000000000000
3.92.23.60.21.43.742.33.56.72.96.20.70.90.707.27.815.900349.48.61.3002.418.622.4011.2
00000000045.545.545.575.5161.2164.5118.7118.4118117.6117.2116.8116.4115.9100.8100.8100.8122.1122.1122122122.1
0000.20005.38.101.50023.20000000000000000
0.50.20.10.30.81.92.92.73.6457.262.37482.9245231.1192182.3242.8210.7247.2197.5192.3158.4197.6173.8144.2176202174.4185.4
0.50.20.10.50.81.92.9811.749.5104.2107.8149.5246.1412.7349.8310.4300.3360.4327.9364313.9308.2259.2298.4274.6266.3298.1324296.4307.5
4.42.43.70.72.25.66.910.315.256.2107.1114150.2247413.4349.8317.6308.1376.3327.9364663.3316.8260.5298.4274.6268.7316.7346.4296.4318.7
0.070.10.110.130.130.170.190.310.360.420.540.560.670.851.131.171.211.321.251.291.331.51.171.161.291.281.281.271.281.381.45
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of State Auto Financial provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand State Auto Financial's financial health and stability.

Assets

State Auto Financial's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that State Auto Financial must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of State Auto Financial after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into State Auto Financial's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
19891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020
65891314252641374247203763110125120119-311024-16010601075121-17128713
00000002223335889911101185713111514128910
00000000000000000-20015-650120-81134540206
1044581250-4-14162363984652891-41-1419869100144-319-634656914-46-16618
000000000000000007653333434341250
00000000000222389777777785555544
025432111314111212116153751294218-386-2-120160-100-4
16912671517762428564887631261381472269312118311013143-285727514911367-13-4349
000000000-2-3-2-100-10000000000000000
-12-8-34-72-13-12-77-25-15-55-56-90-55-85-280-130-212-43-86-51-150-1122469-23-56-167-127-20-1674-21
-12-7-34-72-13-12-76-25-14-52-53-88-54-85-279-129-212-43-86-51-150-1122469-23-56-167-127-20-1674-21
00000000000000000000000000000000
0000000000450030850-450000000-1500210000
00220001121-4412-33547-17-283321335291553
0021-100001000025867-50-5-38-52-20-20-21-20-27-13-107-7-2-12-14
00000000000000-130200000000000000
000-1-1000-1-1-1-1-1-1-2-2-8-15-20-23-23-24-24-22-16-16-16-16-16-17-17-17
310-6050-1151-8-3866-5624-3544-279-60-2267-297216-28-740-311812
00000000000000000000000000000000
00000000000000000000000000000000

State Auto Financial stock margins

The State Auto Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of State Auto Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for State Auto Financial.

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Gross margin
EBIT margin
Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the State Auto Financial's sales revenue. A higher gross margin percentage indicates that the State Auto Financial retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the State Auto Financial's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the State Auto Financial's total revenue generated. When comparing the revenue margin year over year, investors can gauge the State Auto Financial's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the State Auto Financial. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the State Auto Financial's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

State Auto Financial Margin History

State Auto Financial Gross marginState Auto Financial Profit marginState Auto Financial EBIT marginState Auto Financial Profit margin
2024e0 %0 %8.26 %
2023e0 %0 %4.33 %
2022e0 %0 %1.28 %
2021e0 %0 %-2.1 %
20200 %1.29 %0.88 %
20190 %7.94 %6.2 %
20180 %1.46 %1 %
20170 %3.11 %-1.25 %
20160 %2.23 %1.49 %
20150 %5.86 %3.72 %
20140 %2.95 %9.14 %
20130 %6.38 %5.25 %
20120 %1.53 %0.93 %
20110 %-6.76 %-10.34 %
20100 %2.33 %1.81 %
20090 %-0.41 %0.81 %
20080 %-5.74 %-2.63 %
20070 %14.63 %10.7 %
20060 %15.13 %10.78 %
20050 %15.87 %11.05 %
20040 %14.55 %10.07 %
20030 %8.34 %6.11 %
20020 %4.14 %3.82 %
20010 %3.26 %3.3 %

State Auto Financial Stock Sales Revenue, EBIT, Earnings per Share

The State Auto Financial earnings per share therefore indicates how much revenue State Auto Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

  • 5 years

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  • Max

Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue State Auto Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates State Auto Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of State Auto Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating State Auto Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

State Auto Financial Revenue, EBIT and net profit per share

DateState Auto Financial Sales per ShareState Auto Financial EBIT per shareState Auto Financial Earnings per Share
2024e43.23 undefined0 undefined3.57 undefined
2023e40.06 undefined0 undefined1.73 undefined
2022e37.86 undefined0 undefined0.48 undefined
2021e37.16 undefined0 undefined-0.78 undefined
202033.46 undefined0.43 undefined0.3 undefined
201932.05 undefined2.54 undefined1.99 undefined
201829.4 undefined0.43 undefined0.29 undefined
201733.87 undefined1.05 undefined-0.42 undefined
201633.62 undefined0.75 undefined0.5 undefined
201533.09 undefined1.94 undefined1.23 undefined
201428.52 undefined0.84 undefined2.61 undefined
201328.43 undefined1.81 undefined1.49 undefined
201228.4 undefined0.43 undefined0.26 undefined
201138.75 undefined-2.62 undefined-4.01 undefined
201033.79 undefined0.79 undefined0.61 undefined
200931.58 undefined-0.13 undefined0.26 undefined
200829.77 undefined-1.71 undefined-0.78 undefined
200726.76 undefined3.92 undefined2.86 undefined
200626.86 undefined4.06 undefined2.89 undefined
200527.73 undefined4.4 undefined3.06 undefined
200426.77 undefined3.89 undefined2.7 undefined
200325.91 undefined2.16 undefined1.58 undefined
200224.37 undefined1.01 undefined0.93 undefined
200115.7 undefined0.51 undefined0.52 undefined

State Auto Financial business model

The State Auto Financial Corp is a US insurance company with a wide range of insurance products and services. It was founded in 1921 in Ohio and has since experienced impressive growth. The company is listed on the NASDAQ stock exchange and focuses on personal insurance. It offers a variety of insurance products, including personal liability, auto, home, and agricultural insurance. Its goal is to provide excellent product and service quality to its customers. State Auto Financial Corp has a history of expanding its product range and commercializing its insurance products in the 1960s and 1970s. It offers insurance products in seven different segments, including automobiles, homes, property, operations, liability, syndicate, and trucks/vans. The company primarily focuses on personal insurance and provides coverage for individuals, small businesses, and large companies in various industries. Overall, State Auto Financial Corp is an established and trustworthy insurance company with a diverse product range and a focus on personal insurance. It has continuously developed and aims to provide high-quality products and services to its customers. The company has successfully established itself in the market and achieved a leading position. State Auto Financial is one of the most popular companies on Eulerpool.com.

State Auto Financial SWOT Analysis

Strengths

State Auto Financial Corp has several key strengths that contribute to its success and market position:

  • Strong brand reputation and recognition within the insurance industry.
  • Diverse portfolio of insurance products, serving both personal and commercial clients.
  • Robust financial performance and stability, reflected in consistent revenue growth and profitability.
  • Extensive distribution network and established relationships with insurance agencies and brokers.
  • Commitment to innovation and technology, leveraging advanced analytics and digital platforms to enhance customer experience and operational efficiency.

Weaknesses

Despite its strengths, State Auto Financial Corp faces certain weaknesses that could hinder its growth and competitiveness:

  • Reliance on a single geographic market, limiting its exposure to potential growth opportunities in other regions.
  • Limited international presence compared to some competitors, which reduces diversification benefits.
  • High competition within the insurance industry, leading to pricing pressures and potential loss of market share.
  • Dependency on independent insurance agents and brokers, making it vulnerable to changes in their business practices or preferences.
  • Potential regulatory challenges and compliance requirements, particularly in relation to changing insurance policies and regulations.

Opportunities

State Auto Financial Corp can capitalize on the following opportunities to drive growth and expand its market presence:

  • Increasing demand for insurance coverage in emerging markets, providing opportunities for geographic expansion.
  • Growth potential in specialized insurance segments, such as cyber insurance or climate-related coverage.
  • Strategic partnerships or acquisitions to expand product offerings or enter new markets.
  • Advancements in technology, allowing for improved underwriting processes, risk assessment, and customer engagement.
  • Changing customer expectations and preferences, creating opportunities for tailored insurance products and personalized services.

Threats

State Auto Financial Corp should be aware of the following threats that may impact its business and long-term sustainability:

  • Intense competition from established insurance companies and emerging insurtech startups.
  • Economic volatility and market downturns, leading to decreased demand for insurance products.
  • Increasing regulatory requirements and compliance costs, which may strain resources and impact profitability.
  • Rapidly changing customer behaviors and expectations, necessitating continuous adaptation and investment in new technologies.
  • Emerging risks and uncertainties, such as climate change, political instability, or pandemics, which could increase claims frequency and severity.

State Auto Financial Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

State Auto Financial historical P/E ratio, EBIT multiple, and P/S ratio

State Auto Financial shares outstanding

The number of shares was State Auto Financial in 2023 — This indicates how many shares 44.3 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue State Auto Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates State Auto Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of State Auto Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating State Auto Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

State Auto Financial stock splits

In State Auto Financial's history, there have been no stock splits.

State Auto Financial dividend history and estimates

In 2023, State Auto Financial paid a dividend amounting to 1.83 USD. Dividend means that State Auto Financial distributes a portion of its profits to its owners.

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Dividend

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Dividend Overview

The dividend per year chart for State Auto Financial provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify State Auto Financial’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating State Auto Financial's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

State Auto Financial Dividend History

DateState Auto Financial Dividend
2024e3.41 undefined
2023e1.83 undefined
2022e0.41 undefined
2021e-0.76 undefined
20200.4 undefined
20190.4 undefined
20180.4 undefined
20170.4 undefined
20160.4 undefined
20150.4 undefined
20140.4 undefined
20130.4 undefined
20120.55 undefined
20110.6 undefined
20100.6 undefined
20090.6 undefined
20080.6 undefined
20070.5 undefined
20060.38 undefined
20050.27 undefined
20040.17 undefined
20030.15 undefined
20020.14 undefined
20010.13 undefined

State Auto Financial dividend payout ratio

In 2023, State Auto Financial had a payout ratio of 105.47%. The payout ratio indicates the percentage of the company's profits that State Auto Financial distributes as dividends.

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Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for State Auto Financial represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for State Auto Financial could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate State Auto Financial's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

State Auto Financial Payout Ratio History

DateState Auto Financial Payout ratio
2024e95.54 %
2023e105.47 %
2022e84.14 %
2021e97.01 %
2020135.27 %
201920.14 %
2018135.63 %
2017-94.61 %
201680 %
201532.5 %
201415.34 %
201326.78 %
2012208.18 %
2011-14.97 %
201098.2 %
2009234.12 %
2008-76.59 %
200717.46 %
200613.13 %
20058.81 %
20046.31 %
20039.48 %
200214.49 %
200124.09 %
Unfortunately, there are currently no price targets and forecasts available for State Auto Financial.

State Auto Financial shareholders

%
Name
Stocks
Change
Date
58.29089 % State Automobile Mutual Insurance Company25,945,275112/31/2021
4.53670 % Dimensional Fund Advisors, L.P.2,019,284-40,28612/31/2021
3.86066 % The Vanguard Group, Inc.1,718,38144,83912/31/2021
2.84597 % ARP Americas LP1,266,740166,70512/31/2021
2.72310 % Magnetar Capital Partners LP1,212,05169912/31/2021
2.55951 % BlackRock Institutional Trust Company, N.A.1,139,23631,03912/31/2021
2.05560 % Spring Creek Capital, LLC914,947127,69612/31/2021
1.36634 % UBS O'Connor LLC608,156608,15612/31/2021
1.30825 % Alpine Associates Management Inc.582,30013,60012/31/2021
1.29199 % Gabelli Funds, LLC575,06385,68012/31/2021
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State Auto Financial Executives and Management Board

Mr. Michael Larocco
State Auto Financial Chairman of the Board, President, Chief Executive Officer (since 2015)
Compensation 4.45 M
Mr. Robert Restrepo70
State Auto Financial Chairman of the Board (since 2015)
Compensation 3.03 M
Mark Blackburn59
State Auto Financial Chief Operating Officer, Executive Vice President (since 2006)
Compensation 2.37 M
Mr. Robert Moone68
State Auto Financial Chairman of the Board, President, Chief Executive Officer (since 2001)
Compensation 2.34 M
Mr. Steven Johnston61
State Auto Financial Chief Financial Officer, Senior Vice President, Treasurer (since 1999)
Compensation 2.14 M
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Most common questions regarding State Auto Financial

What values and corporate philosophy does State Auto Financial represent?

State Auto Financial Corp represents a set of core values and a corporate philosophy centered around integrity, innovation, and relationships. The company prioritizes honesty and ethical behavior in all its dealings, striving for excellence and transparency. State Auto Financial Corp fosters a culture of continuous improvement and encourages innovative thinking to adapt to evolving market dynamics. Additionally, the company values strong relationships with its customers, shareholders, and employees, focusing on mutual trust and respect. By embodying these values and corporate philosophy, State Auto Financial Corp aims to provide exceptional financial services and solutions to its clients while maintaining a strong reputation in the industry.

In which countries and regions is State Auto Financial primarily present?

State Auto Financial Corp primarily operates in the United States.

What significant milestones has the company State Auto Financial achieved?

State Auto Financial Corp has achieved several significant milestones throughout its history. Some notable accomplishments include the company's initial public offering in 1991, which marked a major step towards expanding its market presence. Additionally, State Auto Financial Corp has consistently demonstrated strong financial performance, with consecutive years of profitable results and growing revenue. The company's dedication to providing exceptional customer service has been recognized through numerous awards and acknowledgments in the insurance industry. State Auto Financial Corp's commitment to innovation is evident in its investment in advanced technology and data analytics, enabling it to offer cutting-edge insurance products and enhance operational efficiency.

What is the history and background of the company State Auto Financial?

State Auto Financial Corp. is an American insurance holding company founded in 1921. With headquarters in Columbus, Ohio, it offers a range of property and casualty insurance products. State Auto Financial Corp. has a rich history of over 100 years, ensuring the financial security and protection of its policyholders. It has achieved significant growth and success, evolving into a trusted name within the insurance industry. State Auto Financial Corp. is renowned for its dedication to customer service, innovation, and commitment to meeting the evolving needs of individuals and businesses. Continuously adapting to changing market dynamics, State Auto Financial Corp. has positioned itself as a leading player in the insurance sector.

Who are the main competitors of State Auto Financial in the market?

The main competitors of State Auto Financial Corp in the market include other insurance companies such as Progressive Corporation, The Travelers Companies Inc., and The Hanover Insurance Group.

In which industries is State Auto Financial primarily active?

State Auto Financial Corp is primarily active in the insurance industry.

What is the business model of State Auto Financial?

The business model of State Auto Financial Corp is focused on providing property and casualty insurance products and services. As a leading insurance provider, State Auto offers a wide range of coverage options for individuals, businesses, and specialty markets. With a strong emphasis on customer satisfaction, State Auto aims to deliver tailored insurance solutions to meet the unique needs of their clients. Through strategic underwriting, risk management, and innovative insurance solutions, State Auto strives to protect individuals and businesses against potential risks and provide financial security. State Auto Financial Corp's business model revolves around being a reliable and customer-centric insurance provider.

What is the P/E ratio of State Auto Financial 2024?

The State Auto Financial P/E ratio is 14.5.

What is the P/S ratio of State Auto Financial 2024?

The State Auto Financial P/S ratio is 1.2.

What is the Quality Investing of State Auto Financial?

The Quality Investing for State Auto Financial is 2/10.

What is the revenue of State Auto Financial 2024?

The expected State Auto Financial revenue is 1.92 B USD.

How high is the profit of State Auto Financial 2024?

The expected State Auto Financial profit is 158.9 M USD.

What is the business model of State Auto Financial

State Auto Financial Corporation is a diversified insurance company based in Columbus, Ohio. The company offers a wide range of insurance products and services for individuals and businesses, divided into three business segments: Personal Insurance, Commercial Insurance, and Specialty Insurance. - Personal Insurance includes auto insurance, home insurance, accident insurance, renter's insurance, and boat insurance. These products are designed for individuals and aim to minimize the costs of potential damages, accidents, or issues in everyday life, with a strong focus on customer service. - Commercial Insurance offers various types of insurance for businesses, including business interruption insurance, general liability insurance, workers' compensation insurance, and professional liability insurance. These products aim to protect businesses from unexpected damages or claims, minimizing risks. - Specialty Insurance offers specialized insurance for niche markets, such as construction contractors, farmers, and transportation companies. These products cater to specific groups of businesses and professionals to provide better protection. For example, the company offers construction contractor insurance, ensuring no financial difficulties arise in case of accidents. In addition to insurance, State Auto also provides services that go beyond insurance coverage. One example is their prevention programs, which help customers avoid problems before they occur. State Auto offers websites and tools to improve home or business security, among other services. State Auto's business model is characterized by high diversification across multiple business segments, enabling the company to offer a wide range of insurance products and services. The model also emphasizes customer service and prevention to avoid potential problems, helping State Auto build a loyal customer base and expand its business. In summary, State Auto Financial Corp offers a variety of insurance products and services tailored to the needs of individuals and businesses. Prevention and high-quality customer service are central elements of their business model, allowing the company to rely on a loyal clientele and continue to be successful.

What is the State Auto Financial dividend?

State Auto Financial pays a dividend of 0 USD distributed over payouts per year.

How often does State Auto Financial pay dividends?

The dividend cannot currently be calculated for State Auto Financial or the company does not pay out a dividend.

What is the State Auto Financial ISIN?

The ISIN of State Auto Financial is US8557071052.

What is the State Auto Financial WKN?

The WKN of State Auto Financial is 882860.

What is the State Auto Financial ticker?

The ticker of State Auto Financial is STFC.

How much dividend does State Auto Financial pay?

Over the past 12 months, State Auto Financial paid a dividend of 0.4 USD . This corresponds to a dividend yield of about 0.77 %. For the coming 12 months, State Auto Financial is expected to pay a dividend of 1.83 USD.

What is the dividend yield of State Auto Financial?

The current dividend yield of State Auto Financial is 0.77 %.

When does State Auto Financial pay dividends?

State Auto Financial pays a quarterly dividend. This is distributed in the months of April, July, October, January.

How secure is the dividend of State Auto Financial?

State Auto Financial paid dividends every year for the past 24 years.

What is the dividend of State Auto Financial?

For the upcoming 12 months, dividends amounting to 1.83 USD are expected. This corresponds to a dividend yield of 3.52 %.

In which sector is State Auto Financial located?

State Auto Financial is assigned to the 'Finance' sector.

Wann musste ich die Aktien von State Auto Financial kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of State Auto Financial from 12/28/2021 amounting to 0.1 USD, you needed to have the stock in your portfolio before the ex-date on 12/14/2021.

When did State Auto Financial pay the last dividend?

The last dividend was paid out on 12/28/2021.

What was the dividend of State Auto Financial in the year 2023?

In the year 2023, State Auto Financial distributed 0.408 USD as dividends.

In which currency does State Auto Financial pay out the dividend?

The dividends of State Auto Financial are distributed in USD.

All fundamentals about State Auto Financial

Our stock analysis for State Auto Financial Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of State Auto Financial Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.