State Auto Financial Corporation (NASDAQ: STFC) is one of 92 publicly-traded companies in the “Property & Casualty Insurance” industry, but how does it weigh in compared to its competitors? We will compare State Auto Financial Corporation to similar businesses based on the strength of its dividends, institutional ownership, earnings, risk, analyst recommendations, profitability and valuation.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for State Auto Financial Corporation and its competitors, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
State Auto Financial Corporation 0 3 0 0 2.00
State Auto Financial Corporation Competitors 718 2528 2240 70 2.30

State Auto Financial Corporation currently has a consensus price target of $26.00, indicating a potential upside of 4.25%. As a group, “Property & Casualty Insurance” companies have a potential downside of 2.28%. Given State Auto Financial Corporation’s higher possible upside, research analysts clearly believe State Auto Financial Corporation is more favorable than its competitors.

Earnings and Valuation

This table compares State Auto Financial Corporation and its competitors revenue, earnings per share and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
State Auto Financial Corporation $1.42 billion $66.20 million 22.27
State Auto Financial Corporation Competitors $11.75 billion $2.00 billion 35.41

State Auto Financial Corporation’s competitors have higher revenue and earnings than State Auto Financial Corporation. State Auto Financial Corporation is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Volatility & Risk

State Auto Financial Corporation has a beta of 0.9, indicating that its stock price is 10% less volatile than the S&P 500. Comparatively, State Auto Financial Corporation’s competitors have a beta of 0.93, indicating that their average stock price is 7% less volatile than the S&P 500.

Dividends

State Auto Financial Corporation pays an annual dividend of $0.40 per share and has a dividend yield of 1.6%. State Auto Financial Corporation pays out 35.7% of its earnings in the form of a dividend. As a group, “Property & Casualty Insurance” companies pay a dividend yield of 1.4% and pay out 26.6% of their earnings in the form of a dividend.

Insider & Institutional Ownership

32.9% of State Auto Financial Corporation shares are owned by institutional investors. Comparatively, 61.9% of shares of all “Property & Casualty Insurance” companies are owned by institutional investors. 1.5% of State Auto Financial Corporation shares are owned by company insiders. Comparatively, 14.9% of shares of all “Property & Casualty Insurance” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares State Auto Financial Corporation and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
State Auto Financial Corporation 3.33% 1.46% 0.44%
State Auto Financial Corporation Competitors 10.01% 5.28% 2.69%

Summary

State Auto Financial Corporation competitors beat State Auto Financial Corporation on 12 of the 15 factors compared.

About State Auto Financial Corporation

State Auto Financial Corporation is a property and casualty insurance holding company. The Company is engaged in writing personal, business and specialty insurance. Its segments include Personal Insurance Segment, Commercial Insurance Segment and Specialty Insurance Segment. Its Personal Insurance Segment include personal auto, homeowners and other personal; Commercial Insurance Segment include commercial auto, small commercial package, middle market commercial, workers’ compensation and other commercial, and Specialty Insurance Segment include Excess & Surplus (E&S) property, E&S casualty and programs. State Auto Financial’s subsidiaries include State Auto Property & Casualty Insurance Company (State Auto P&C), Milbank Insurance Company (Milbank) and State Auto Insurance Company of Ohio (SA Ohio), each of which is a property and casualty insurance company, and Stateco Financial Services, Inc., (Stateco), which provides investment management services to affiliated insurance companies.

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