(UNM) Unum - Ratings and Ratios
Disability, Life, Accident, Pension, Insurance, Benefits
UNM EPS (Earnings per Share)
UNM Revenue
Description: UNM Unum
Unum Group is a financial protection benefits provider operating in the US, UK, and Poland, offering a range of insurance products, including disability, life, and accident coverage, to employers for their employees. The companys diverse product portfolio and multi-channel distribution strategy, including field sales personnel and independent brokers, enable it to maintain a strong market presence.
From a financial perspective, Unum Groups performance can be evaluated using key performance indicators (KPIs) such as revenue growth, net income margin, and return on equity (RoE). With a RoE of 14.78%, the company demonstrates a relatively strong ability to generate profits from shareholders equity. Additionally, the companys dividend yield and payout ratio can be analyzed to assess its attractiveness to income-seeking investors.
Unum Groups competitive position in the life and health insurance industry can be assessed by examining its market share, premium revenue growth, and product diversification. The companys ability to maintain a stable and profitable business model is crucial in a highly competitive and regulated industry. Key metrics such as loss ratio, expense ratio, and combined ratio can provide insights into the companys underwriting performance and operational efficiency.
To further evaluate Unum Groups investment potential, it is essential to analyze its financial leverage, liquidity, and capital adequacy. The companys debt-to-equity ratio, interest coverage ratio, and risk-based capital (RBC) ratio can provide valuable insights into its financial stability and ability to meet its obligations. By examining these KPIs, investors can gain a more comprehensive understanding of Unum Groups financial health and growth prospects.
UNM Stock Overview
| Market Cap in USD | 12,918m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 1986-11-06 |
UNM Stock Ratings
| Growth Rating | 78.3% |
| Fundamental | 77.3% |
| Dividend Rating | 72.1% |
| Return 12m vs S&P 500 | 8.56% |
| Analyst Rating | 4.0 of 5 |
UNM Dividends
| Dividend Yield 12m | 2.25% |
| Yield on Cost 5y | 11.00% |
| Annual Growth 5y | 8.33% |
| Payout Consistency | 96.3% |
| Payout Ratio | 21.3% |
UNM Growth Ratios
| Growth Correlation 3m | 16.6% |
| Growth Correlation 12m | 38.9% |
| Growth Correlation 5y | 97.4% |
| CAGR 5y | 24.90% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.25 |
| CAGR/Mean DD 3y (Pain Ratio) | 4.41 |
| Sharpe Ratio 12m | 1.18 |
| Alpha | 18.66 |
| Beta | 0.360 |
| Volatility | 25.46% |
| Current Volume | 1093.1k |
| Average Volume 20d | 1093.1k |
| Stop Loss | 74.3 (-3%) |
| Signal | 0.70 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (1.52b TTM) > 0 and > 6% of Revenue (6% = 772.7m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.03pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 6.69% (prev 109.7%; Δ -103.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 1.58b > Net Income 1.52b (YES >=105%, WARN >=100%) |
| Net Debt (2.55b) to EBITDA (2.21b) ratio: 1.15 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.61 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (174.4m) change vs 12m ago -8.35% (target <= -2.0% for YES) |
| Gross Margin 55.81% (prev 96.23%; Δ -40.42pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 22.16% (prev 23.75%; Δ -1.59pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 8.06 (EBITDA TTM 2.21b / Interest Expense TTM 205.7m) >= 6 (WARN >= 3) |
Altman Z'' 1.25
| (A) 0.01 = (Total Current Assets 1.40b - Total Current Liabilities 536.4m) / Total Assets 62.84b |
| (B) 0.21 = Retained Earnings (Balance) 13.29b / Total Assets 62.84b |
| (C) 0.03 = EBIT TTM 1.66b / Avg Total Assets 58.11b |
| (D) 0.26 = Book Value of Equity 11.27b / Total Liabilities 42.92b |
| Total Rating: 1.25 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 77.25
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 9.34% = 4.67 |
| 3. FCF Margin 11.21% = 2.80 |
| 4. Debt/Equity 0.33 = 2.45 |
| 5. Debt/Ebitda 1.15 = 1.55 |
| 6. ROIC - WACC (= 3.08)% = 3.85 |
| 7. RoE 13.67% = 1.14 |
| 8. Rev. Trend 81.71% = 6.13 |
| 9. EPS Trend 73.50% = 3.68 |
What is the price of UNM shares?
Over the past week, the price has changed by -2.11%, over one month by +2.28%, over three months by -5.34% and over the past year by +24.53%.
Is Unum a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UNM is around 86.95 USD . This means that UNM is currently undervalued and has a potential upside of +13.5% (Margin of Safety).
Is UNM a buy, sell or hold?
- Strong Buy: 4
- Buy: 4
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the UNM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 93.1 | 21.5% |
| Analysts Target Price | 93.1 | 21.5% |
| ValueRay Target Price | 94.7 | 23.7% |
Last update: 2025-10-13 02:03
UNM Fundamental Data Overview
P/E Trailing = 9.0947
P/E Forward = 8.489
P/S = 1.0009
P/B = 1.1826
P/EG = 2.5
Beta = 0.36
Revenue TTM = 12.88b USD
EBIT TTM = 1.66b USD
EBITDA TTM = 2.21b USD
Long Term Debt = 3.47b USD (from longTermDebt, last quarter)
Short Term Debt = 274.8m USD (from shortTermDebt, last quarter)
Debt = 3.74b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.55b USD (from netDebt column, last quarter)
Enterprise Value = 15.47b USD (12.92b + Debt 3.74b - CCE 1.19b)
Interest Coverage Ratio = 8.06 (Ebit TTM 1.66b / Interest Expense TTM 205.7m)
FCF Yield = 9.34% (FCF TTM 1.44b / Enterprise Value 15.47b)
FCF Margin = 11.21% (FCF TTM 1.44b / Revenue TTM 12.88b)
Net Margin = 11.80% (Net Income TTM 1.52b / Revenue TTM 12.88b)
Gross Margin = 55.81% ((Revenue TTM 12.88b - Cost of Revenue TTM 5.69b) / Revenue TTM)
Gross Margin QoQ = 42.48% (prev 40.74%)
Tobins Q-Ratio = 0.25 (Enterprise Value 15.47b / Total Assets 62.84b)
Interest Expense / Debt = 1.39% (Interest Expense 52.0m / Debt 3.74b)
Taxrate = 19.52% (81.4m / 417.0m)
NOPAT = 1.33b (EBIT 1.66b * (1 - 19.52%))
Current Ratio = 2.61 (Total Current Assets 1.40b / Total Current Liabilities 536.4m)
Debt / Equity = 0.33 (Debt 3.74b / totalStockholderEquity, last quarter 11.32b)
Debt / EBITDA = 1.15 (Net Debt 2.55b / EBITDA 2.21b)
Debt / FCF = 1.77 (Net Debt 2.55b / FCF TTM 1.44b)
Total Stockholder Equity = 11.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.42% (Net Income 1.52b / Total Assets 62.84b)
RoE = 13.67% (Net Income TTM 1.52b / Total Stockholder Equity 11.11b)
RoCE = 11.37% (EBIT 1.66b / Capital Employed (Equity 11.11b + L.T.Debt 3.47b))
RoIC = 9.02% (NOPAT 1.33b / Invested Capital 14.79b)
WACC = 5.94% (E(12.92b)/V(16.66b) * Re(7.34%) + D(3.74b)/V(16.66b) * Rd(1.39%) * (1-Tc(0.20)))
Discount Rate = 7.34% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -5.54%
[DCF Debug] Terminal Value 79.45% ; FCFE base≈1.36b ; Y1≈1.48b ; Y5≈1.86b
Fair Price DCF = 189.9 (DCF Value 32.34b / Shares Outstanding 170.3m; 5y FCF grow 9.83% → 3.0% )
EPS Correlation: 73.50 | EPS CAGR: 12.15% | SUE: -1.08 | # QB: 0
Revenue Correlation: 81.71 | Revenue CAGR: 4.71% | SUE: 0.29 | # QB: 0
Additional Sources for UNM Stock
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Fund Manager Positions: Dataroma | Stockcircle