State Auto Financial (STFC) Stock Price
State Auto Financial Price
Revenue has compounded at 4.7% per year over the past 19 years to 1.48 B USD. Earnings per share have declined at 2.9% per year over the last 19 years. State Auto Financial's net margin stands at 0.9%, broadly stable from 1.5% several years earlier. The payout ratio is around 134% of earnings. The dividend has grown at 6.3% per year over the past 19 years.
State Auto Financial stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of State Auto Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how State Auto Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing State Auto Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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State Auto Financial Revenue, EBIT, Net Income
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State Auto Financial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB USD |
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| REVENUE GROWTH% |
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| EBITM USD |
| EBIT MARGIN% |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| SHARESM |
| 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021e | 2022e | 2023e | 2024e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.26 | 1.36 | 1.55 | 1.15 | 1.15 | 1.17 | 1.37 | 1.41 | 1.42 | 1.27 | 1.41 | 1.48 | 1.62 | 1.65 | 1.78 | 1.92 |
| 6.35 | 7.88 | 14.61 | -25.95 | 0.26 | 1.65 | 16.72 | 2.70 | 1.14 | -10.42 | 10.53 | 5.19 | 9.53 | 1.91 | 7.87 | 7.91 |
| 1.35 | 3.10 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.16 | 160.20 | 100.14 | 100.14 | 100.14 | 100.14 | 100.14 |
| 0.02 | 0.04 | 1.55 | 1.15 | 1.15 | 1.17 | 1.37 | 1.41 | 1.42 | 1.28 | 2.25 | 1.48 | 1.62 | 1.65 | 1.78 | 1.93 |
| 6.00 | 33.00 | -109.00 | 10.00 | 61.00 | 26.00 | 67.00 | 22.00 | 39.00 | 24.00 | 951.00 | 19.00 | – | – | – | – |
| 0.48 | 2.44 | -7.02 | 0.87 | 5.29 | 2.22 | 4.90 | 1.57 | 2.74 | 1.89 | 67.59 | 1.28 | – | – | – | – |
| 10.00 | 24.00 | -146.00 | 10.00 | 60.00 | 107.00 | 51.00 | 21.00 | -10.00 | 12.00 | 87.00 | 13.00 | -33.00 | 20.00 | 77.00 | 158.00 |
| -132.26 | 140.00 | -708.33 | -106.85 | 500.00 | 78.33 | -52.34 | -58.82 | -147.62 | -220.00 | 625.00 | -85.06 | -353.85 | -160.61 | 285.00 | 105.19 |
| – | – | – | – | – | – | – | – | – | – | – | – | 0.40 | – | – | – |
| 40.00 | 40.00 | 40.00 | 41.00 | 41.00 | 41.00 | 42.00 | 42.00 | 42.00 | 43.00 | 44.00 | 44.00 | 44.00 | 44.00 | 44.00 | 44.00 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales State Auto Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue State Auto Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare State Auto Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares State Auto Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against State Auto Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
State Auto Financial stock margins
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State Auto Financial Stock Revenue, EBIT, Earnings per Share
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State Auto Financial business model & stock analysis
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 Employees
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State Auto Financial Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
State Auto Financial historical P/E ratio, EBIT multiple, and P/S ratio
State Auto Financial annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down State Auto Financial's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in State Auto Financial's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare State Auto Financial's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
State Auto Financial shares outstanding
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State Auto Financial stock splits
Since 1993, a total of 6 shares have been converted from one State Auto Financial share.
State Auto Financial Dividend History
22 years of dividend payments
State Auto Financial dividend payout ratio
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State Auto Financial Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 4/6/2020 | Maintained | Neutral | 54 | |
| 12/7/2016 | Downgrade | BuyNeutral | 62 | |
| 8/3/2015 | Maintained | Market PerformPerform | 57 | |
| 4/13/2015 | Maintained | Market PerformPerform | 53 | |
| 2/23/2015 | Maintained | Market PerformPerform | 53 | |
| 1/21/2015 | Maintained | Market PerformPerform | 53 | |
| 6/3/2014 | Maintained | Buy | – | |
| 4/18/2013 | Upgrade | UnderperformPerform | 53 | |
| 10/9/2012 | Downgrade | Market PerformUnderperform | 53 | |
| 7/9/2012 | Upgrade | SellHold | – |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
State Auto Financial Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 11/29/2022 | -0.44USD | - | 421.22 MUSD | - | 2022 Q3 |
| 9/23/2022 | -0.06USD | - | 417.16 MUSD | - | 2022 Q2 |
| 5/4/2022 | -0.06USD | - | 413.41 MUSD | - | 2022 Q1 |
| 3/3/2022 | 0.30USD | - | 403.50 MUSD | - | 2021 Q4 |
| 11/4/2021 | 0.05USD | -0.18USD | 395.45 MUSD | - | 2021 Q3 |
| 8/5/2021 | -0.01USD | -0.47USD | 388.90 MUSD | - | 2021 Q2 |
| 5/6/2021 | -0.62USD | -0.61USD | 383.37 MUSD | - | 2021 Q1 |
| 2/18/2021 | 0.60USD | 0.66USD | 396.63 MUSD | - | 2020 Q4 |
| 11/5/2020 | 0.20USD | -0.10USD | 784.00 MUSD | - | 2020 Q3 |
| 8/6/2020 | -0.76USD | -0.59USD | 439.51 MUSD | - | 2020 Q2 |
State Auto Financial shareholder structure
| % | Name |
|---|---|
58.29089% | |
4.53670% | |
3.86066% | |
2.84597% | |
2.72310% | |
2.55951% |
State Auto Financial Executives and Management Board
59 members · avg. age 61 · 20 % women
Mr. Michael Larocco
Chairman of the Board, President, Chief Executive Officer · since 2015
4.45 M USD
Management
Mark Blackburn (59)
Chief Operating Officer, Executive Vice President · since 2006
Mr. Robert Moone (68)
Chairman of the Board, President, Chief Executive Officer · since 2001
Mr. Steven Johnston (61)
Chief Financial Officer, Senior Vice President, Treasurer · since 1999
Mr. Steven English (60)
Chief Financial Officer, Senior Vice President · since 2012
John Lowther (60)
Senior Vice President, General Counsel, Secretary · since 2006
Mr. Kim Garland (55)
Senior Vice President - Personal & Commercial Lines and State Auto Labs · since 2020
Board of Directors
Mr. Robert Restrepo (70)
Chairman of the Board · since 2015
Robert Bailey (71)
Chairman of the Board · since 1999
Ms. Setareh Pouraghabagher (50)
Independent Director · since 2017
Mr. Thomas Markert (60)
Independent Director · since 2007
Mr. Michael Fiorile (66)
Independent Director · since 2015
Mr. David Meuse (75)
Lead Independent Director · since 2015
State Auto Financial Supply Chain
Frequently asked questions about 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.
State Auto Financial Corp is primarily active in the insurance industry.
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.
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.
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.
State Auto Financial Corp primarily operates in the United States.
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.
7 analysts currently rate the State Auto Financial stock: 0 recommend buying, 4 holding and 3 selling.
The State Auto Financial share (STFC) is listed on 1 stock exchanges, including: NASDAQ (STFC).
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.
The revenue cannot currently be calculated for State Auto Financial.
The profit cannot currently be calculated for State Auto Financial.
The P/E ratio cannot be calculated for State Auto Financial at the moment.
The P/S cannot be calculated for State Auto Financial currently.
The Eulerpool Quality Score for State Auto Financial is 1/10.
The ISIN of State Auto Financial is US8557071052. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of State Auto Financial is 882860. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of State Auto Financial is STFC. The ticker symbol is used to trade State Auto Financial shares on the stock exchange.
The current dividend yield of State Auto Financial is - %.
State Auto Financial is assigned to the 'Finance' sector.
In the year 2020, State Auto Financial distributed 0.4 USD as dividends.
The dividends of State Auto Financial are distributed in USD.
State Auto Financial stock
State Auto Financial Peer Group
State Auto Financial Ticker
All fundamentals and in-depth analysis of State Auto Financial
Our stock analysis for State Auto Financial 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. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.