StanCorp Financial Group, Inc.: Company Profile and SWOT Analysis

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StanCorp Financial Group, Inc.: Company Profile and SWOT Analysis Powered By Docstoc
					StanCorp Financial Group, Inc.

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StanCorp Financial Group, Inc.                                              Financial Snapshot

                                                                            Operating Performance
Fast Facts
                                        1100 S.W. Sixth Avenue, Portland,   The company reported revenue of US$2,874.70
Headquarters Address
                                        97204,United States of America      million during the fiscal year 2011 (2011). The
                                                                            company's revenue grew at a CAGR of 1.49% during
Telephone                               + 1 971 3217000
                                                                            2007 - 2011, with an annual growth of 3.96% over
                                                                            2010. In 2011, the company recorded an operating
Fax                                     + 1 971 3216776                     margin of 4.85%, as against 6.84% in 2010.

Website                                 www3.standard.com
                                                                            Revenue and Margins
Ticker Symbol, Stock Exchange           SFG, New York Stock Exchange

Number of Employees                     3,076

Fiscal Year End                         December

Revenue (in US$ million)                2,874.70




SWOT Analysis

Strengths                               Weaknesses                          Return on Equity

                                        Overdependence on Insurance         The company recorded a return on equity (ROE) of
Leading market positions
                                        Services segment                    6.93% for 2011, as compared to its peers, Fidelity
                                                                            National Financial, Inc. (FNF), Principal Financial
Strong top-line performance             Weak bottom-line performance        Group, Inc. (PFG) and Lincoln National Corporation
                                                                            (LNC), which recorded ROEs of 10.17%, 7.42% and
Opportunities                           Threats                             2.08% respectively. The company reported an
                                                                            operating margin of 4.85% in 2011.
Aging population in the US              Catastrophic losses
                                                                            Return on Equity
Significant increase in the wealth of
                                        Impact of the Dodd-Frank Act
HNWIs

                                        Volatile interest rates




                                                                            Liquidity Position

                                                                            The company reported a current ratio of 0.27 in 2011,
                                                                            as compared to its peers, Fidelity National Financial,
                                                                            Inc., Principal Financial Group, Inc. and Lincoln
                                                                            National Corporation, which recorded current ratios of
                                                                            0.25, 0.17 and 0.40 respectively. As of December
                                                                            2011, the company recorded cash and short-term
                                                                            investments of worth US$0.00 million, against zero
                                                                            current debt. The company reported a debt to equity
                                                                            ratio of 0.00 in 2011 as compared to its peers, Fidelity
                                                                            National Financial, Inc., Principal Financial Group,
                                                                            Inc. and Lincoln National Corporation, which recorded
                                                                            debt to equity ratios of 0.00, 0.00 and 0.00
                                                                            respectively.




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StanCorp Financial Group, Inc. - SWOT Profile                                                                        Page 1
StanCorp Financial Group, Inc.

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TABLE OF CONTENTS

1     Business Analysis ................................................................................................................................... 5
    1.1       Company Overview ................................................................................................................................................5
    1.2       Business Description ..............................................................................................................................................5
    1.3       Major Products and Services .................................................................................................................................6
2     Analysis of Key Performance Indicators ............................................................................................... 8
    2.1       Five Year Snapshot: Overview of Financial and Operational Performance Indicators ..........................................8
    2.2       Key Financial Performance Indicators .................................................................................................................10
      2.2.1       Total Revenues and Operating Profit ..............................................................................................................10
      2.2.2       Total Premiums Earned ...................................................................................................................................11
      2.2.3       Asset, Liabilities and Capex .............................................................................................................................12
      2.2.4       Gearing Ratio ...................................................................................................................................................13
      2.2.5       Valuation ..........................................................................................................................................................14
    2.3       Competitive Benchmarking ..................................................................................................................................15
      2.3.1       Market Capitalization .......................................................................................................................................15
      2.3.2       Efficiency ..........................................................................................................................................................16
      2.3.3       Total Premiums Earned ...................................................................................................................................17
      2.3.4       Asset Turnover .................................................................................................................................................18
3     Recent Developments ........................................................................................................................... 19
4     SWOT Analysis ...................................................................................................................................... 21
    4.1       SWOT Analysis - Overview ..................................................................................................................................21
    4.2       Strengths ..............................................................................................................................................................21
    4.3       Weaknesses .........................................................................................................................................................21
    4.4       Opportunities ........................................................................................................................................................21
    4.5       Threats .................................................................................................................................................................22
5     Company Statement .............................................................................................................................. 23
6     History .................................................................................................................................................... 25
7     Key Employees ...................................................................................................................................... 26
8     Key Employee Biographies................................................................................................................... 27
9     Locations and Subsidiaries .................................................................................................................. 28
    9.1       Head Office ..........................................................................................................................................................28
    9.2       Other Locations and Subsidiaries ........................................................................................................................28
10    Appendix ................................................................................................................................................ 29
    10.1      Methodology .........................................................................................................................................................29
    10.2      Ratio Definitions ...................................................................................................................................................29
    10.3      Disclaimer.............................................................................................................................................................33




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StanCorp Financial Group, Inc. - SWOT Profile                                                         
				
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