STFC · State Auto Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2020 | FY 2019 | FY 2018 | FY 2016 | FY 2015 | FY 2014 |
|---|---|---|---|---|---|---|
| Revenue | $1.48B | $1.41B | $1.28B | $1.41B | $1.37B | $1.17B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | $1.47B | $1.30B | $1.26B | $1.39B | $1.30B | $1.15B |
| D&A | - | - | - | - | - | - |
| Operating Income | $14.40M | $107.00M | $12.90M | $98.70M | $67.30M | $98.70M |
| Interest Expense | $4.70M | $4.90M | $5.70M | $5.50M | $5.40M | $5.40M |
| Income Tax | $1.30M | $19.60M | $100.0K | ($1.80M) | $16.10M | ($80.60M) |
| Net Income | $13.10M | $87.40M | ($4.90M) | ($3.00M) | $51.20M | $107.40M |
| EPS - Basic | $0.30 | $2.01 | $0.30 | $0.50 | $1.25 | $2.63 |
| EPS - Diluted | $0.30 | $1.96 | $0.29 | $0.50 | $1.23 | $2.60 |
Balance Sheet
| Line item | FY 2020 | FY 2019 | FY 2018 | FY 2016 | FY 2015 | FY 2014 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $90.70M | $78.00M | $59.80M | $91.50M | $58.10M | $86.30M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $3.10B | $2.99B | $2.90B | $3.01B | $2.83B | $2.77B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $2.09B | $2.03B | $2.08B | $2.13B | $1.94B | $1.89B |
| Stockholders' Equity | $1.01B | $959.90M | $818.50M | $880.90M | $884.60M | $872.90M |
| Retained Earnings | $774.40M | $782.70M | $712.70M | $666.20M | $689.40M | $654.70M |
Cash Flow
| Line item | FY 2020 | FY 2019 | FY 2018 | FY 2016 | FY 2015 | FY 2014 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $49.00M | ($43.90M) | ($13.40M) | $113.50M | $149.80M | $75.60M |
| Investing Cash Flow | ($21.80M) | $74.10M | ($16.00M) | ($127.60M) | ($167.70M) | ($56.50M) |
| Financing Cash Flow | ($14.50M) | ($12.00M) | ($2.30M) | $7.10M | ($10.30M) | ($13.10M) |
| CapEx | - | $0 | - | $0 | $100.0K | $0 |
| Free Cash Flow | - | ($43.90M) | - | $113.50M | $149.70M | $75.60M |
Ratios
| Metric | FY 2020 | FY 2019 | FY 2018 | FY 2016 | FY 2015 | FY 2014 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 1.0% | 7.6% | 1.0% | 7.0% | 4.9% | 8.4% |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | 0.9% | 6.2% | -0.4% | -0.2% | 3.7% | 9.2% |
| Free cash flow margin | - | -3.1% | - | 8.1% | 10.9% | 6.4% |
| FCF / Net income | - | -0.50 | - | -37.83 | 2.92 | 0.70 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 9.0% | 18.3% | - | - | 23.9% | -300.7% |
| Return on assets | 0.4% | 2.9% | -0.2% | -0.1% | 1.8% | 3.9% |
| Return on equity | 1.3% | 9.1% | -0.6% | -0.3% | 5.8% | 12.3% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 3.1x | 21.8x | 2.3x | 17.9x | 12.5x | 18.3x |
| Equity multiplier | 3.07 | 3.11 | 3.54 | 3.42 | 3.20 | 3.17 |
| Liabilities / Assets | 0.67 | 0.68 | 0.72 | 0.71 | 0.69 | 0.68 |
| Efficiency | ||||||
| Asset turnover | 0.48 | 0.47 | 0.44 | 0.47 | 0.48 | 0.42 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 5.1% | 10.5% | - | 2.7% | 16.7% | 1.7% |
| Revenue CAGR (3y) | - | 0.1% | -2.3% | 6.8% | 6.0% | -2.3% |
| Revenue CAGR (5y) | 1.6% | 3.8% | 2.0% | 2.3% | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -86.5% | 729.5% | - | 46.7% | -31.8% | 61.0% |
| Net income growth (YoY) | -85.0% | - | - | - | -52.3% | 76.6% |
| EPS growth (YoY) | -84.7% | 575.9% | - | -59.3% | -52.7% | 74.5% |
| EPS CAGR (3y) | - | 57.7% | -38.2% | -30.5% | 65.8% | 118.3% |
| EPS CAGR (5y) | -24.6% | -5.5% | -27.9% | 14.9% | - | - |
| FCF growth (YoY) | - | - | - | -24.2% | 98.0% | 4.9% |
| FCF CAGR (5y) | - | - | - | 0.6% | - | - |
| Book value growth (YoY) | 5.2% | 17.3% | - | -0.4% | 1.3% | 11.2% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2020-12-31.
Business segments
$1.49B totalTotalinternalandexternalrevenue$1.49B · 99.9%
All Other Segments$2.10M · 0.1%
Stability scores
Piotroski F-score
FY 2020 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
Comparing State Auto Financial CORP against the 5 most active filers in the same SIC group.