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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.04
UNM's Cash to Debt is ranked higher than
58% of the 175 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.75 vs. UNM: 0.04 )
UNM' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.04

Equity to Asset 0.14
UNM's Equity to Asset is ranked higher than
89% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. UNM: 0.14 )
UNM' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.18
Current: 0.14

0.13
0.18
Interest Coverage 3.15
UNM's Interest Coverage is ranked higher than
66% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.72 vs. UNM: 3.15 )
UNM' s 10-Year Interest Coverage Range
Min: 2.33   Max: 9999.99
Current: 3.15

2.33
9999.99
F-Score: 6
Z-Score: 0.46
WACC vs ROIC
11.83%
3.88%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 5.02
UNM's Operating margin (%) is ranked higher than
74% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.77 vs. UNM: 5.02 )
UNM' s 10-Year Operating margin (%) Range
Min: -0.5   Max: 13.06
Current: 5.02

-0.5
13.06
Net-margin (%) 3.93
UNM's Net-margin (%) is ranked higher than
76% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.28 vs. UNM: 3.93 )
UNM' s 10-Year Net-margin (%) Range
Min: -3.94   Max: 8.69
Current: 3.93

-3.94
8.69
ROE (%) 4.63
UNM's ROE (%) is ranked higher than
67% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.91 vs. UNM: 4.63 )
UNM' s 10-Year ROE (%) Range
Min: -5.48   Max: 26.29
Current: 4.63

-5.48
26.29
ROA (%) 0.67
UNM's ROA (%) is ranked higher than
80% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.64 vs. UNM: 0.67 )
UNM' s 10-Year ROA (%) Range
Min: -0.81   Max: 4.27
Current: 0.67

-0.81
4.27
ROC (Joel Greenblatt) (%) 100.51
UNM's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 332.17 vs. UNM: 100.51 )
UNM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -21.18   Max: 303.04
Current: 100.51

-21.18
303.04
Revenue Growth (3Y)(%) 6.50
UNM's Revenue Growth (3Y)(%) is ranked higher than
74% of the 167 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. UNM: 6.50 )
UNM' s 10-Year Revenue Growth (3Y)(%) Range
Min: -15.4   Max: 29.4
Current: 6.5

-15.4
29.4
EBITDA Growth (3Y)(%) 18.30
UNM's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.10 vs. UNM: 18.30 )
UNM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 35.4
Current: 18.3

0
35.4
EPS Growth (3Y)(%) 27.30
UNM's EPS Growth (3Y)(%) is ranked higher than
91% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.00 vs. UNM: 27.30 )
UNM' s 10-Year EPS Growth (3Y)(%) Range
Min: -21.6   Max: 28.5
Current: 27.3

-21.6
28.5
» UNM's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

UNM Guru Trades in Q1 2014

David Dreman 5,565 sh (+102.22%)
HOTCHKIS & WILEY 12,273,445 sh (+16.02%)
Pioneer Investments 1,218,531 sh (+6.21%)
Joel Greenblatt 12,427 sh (+0.57%)
Jeff Auxier 38,604 sh (unchged)
Jean-Marie Eveillard 60,000 sh (unchged)
Paul Tudor Jones Sold Out
George Soros Sold Out
Steven Cohen Sold Out
Donald Smith 3,890,076 sh (-0.65%)
Ken Fisher 267,985 sh (-3.66%)
NWQ Managers 8,361,130 sh (-7.16%)
Jeremy Grantham 256,218 sh (-30.90%)
» More
Q2 2014

UNM Guru Trades in Q2 2014

Paul Tudor Jones 16,200 sh (New)
David Dreman 6,486 sh (+16.55%)
Donald Smith 4,046,171 sh (+4.01%)
HOTCHKIS & WILEY 12,698,260 sh (+3.46%)
Jeff Auxier 38,604 sh (unchged)
Jean-Marie Eveillard 60,000 sh (unchged)
Ken Fisher 236,051 sh (-11.92%)
NWQ Managers 6,799,655 sh (-18.68%)
Pioneer Investments 924,917 sh (-24.10%)
Joel Greenblatt 6,182 sh (-50.25%)
Jeremy Grantham 107,535 sh (-58.03%)
» More
Q3 2014

UNM Guru Trades in Q3 2014

Jim Simons 226,100 sh (New)
Ray Dalio 10,400 sh (New)
Paul Tudor Jones 26,600 sh (+64.20%)
David Dreman 8,330 sh (+28.43%)
Donald Smith 4,614,793 sh (+14.05%)
Joel Greenblatt 7,009 sh (+13.38%)
Ken Fisher 253,836 sh (+7.53%)
Jeff Auxier 38,804 sh (+0.52%)
Jean-Marie Eveillard 60,000 sh (unchged)
Pioneer Investments 607,936 sh (unchged)
HOTCHKIS & WILEY 12,574,622 sh (-0.97%)
NWQ Managers 6,404,084 sh (-5.82%)
Jeremy Grantham 97,935 sh (-8.93%)
» More
Q4 2014

UNM Guru Trades in Q4 2014

Jeff Auxier 70,104 sh (+80.66%)
Donald Smith 5,930,346 sh (+28.51%)
Joel Greenblatt 8,154 sh (+16.34%)
HOTCHKIS & WILEY 13,227,968 sh (+5.20%)
David Dreman 8,707 sh (+4.53%)
Ken Fisher 256,425 sh (+1.02%)
HOTCHKIS & WILEY 13,227,968 sh (unchged)
Jean-Marie Eveillard 60,000 sh (unchged)
Pioneer Investments Sold Out
Ray Dalio Sold Out
NWQ Managers 5,700,925 sh (-10.98%)
Jim Simons 192,400 sh (-14.90%)
Jeremy Grantham 64,100 sh (-34.55%)
Paul Tudor Jones 14,134 sh (-46.86%)
» More
» Details

Insider Trades

Latest Guru Trades with UNM

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 21.00
UNM's P/E(ttm) is ranked higher than
67% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.90 vs. UNM: 21.00 )
UNM' s 10-Year P/E(ttm) Range
Min: 4.96   Max: 34.19
Current: 21

4.96
34.19
Forward P/E 8.52
UNM's Forward P/E is ranked higher than
93% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.01 vs. UNM: 8.52 )
N/A
PE(NRI) 21.20
UNM's PE(NRI) is ranked higher than
75% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.30 vs. UNM: 21.20 )
UNM' s 10-Year PE(NRI) Range
Min: 4.95   Max: 36.54
Current: 21.2

4.95
36.54
P/B 1.00
UNM's P/B is ranked higher than
80% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.95 vs. UNM: 1.00 )
UNM' s 10-Year P/B Range
Min: 0.42   Max: 1.3
Current: 1

0.42
1.3
P/S 0.80
UNM's P/S is ranked higher than
75% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. UNM: 0.80 )
UNM' s 10-Year P/S Range
Min: 0.28   Max: 0.92
Current: 0.8

0.28
0.92
PFCF 51.50
UNM's PFCF is ranked higher than
68% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 25.54 vs. UNM: 51.50 )
UNM' s 10-Year PFCF Range
Min: 17.56   Max: 54.4
Current: 51.5

17.56
54.4
POCF 7.04
UNM's POCF is ranked higher than
80% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.48 vs. UNM: 7.04 )
UNM' s 10-Year POCF Range
Min: 2.04   Max: 17.44
Current: 7.04

2.04
17.44
EV-to-EBIT 19.22
UNM's EV-to-EBIT is ranked higher than
76% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.05 vs. UNM: 19.22 )
UNM' s 10-Year EV-to-EBIT Range
Min: -155.5   Max: 28.7
Current: 19.22

-155.5
28.7
Shiller P/E 13.90
UNM's Shiller P/E is ranked higher than
89% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 28.37 vs. UNM: 13.90 )
UNM' s 10-Year Shiller P/E Range
Min: 8.62   Max: 39.02
Current: 13.9

8.62
39.02
Days Sales Outstanding 59.19
UNM's Days Sales Outstanding is ranked higher than
87% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. UNM: 59.19 )
UNM' s 10-Year Days Sales Outstanding Range
Min: 18.58   Max: 190.97
Current: 59.19

18.58
190.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.00
UNM's Dividend Yield is ranked lower than
52% of the 168 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.17 vs. UNM: 2.00 )
UNM' s 10-Year Dividend Yield Range
Min: 1.09   Max: 3.7
Current: 2

1.09
3.7
Dividend Payout 0.38
UNM's Dividend Payout is ranked higher than
76% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.48 vs. UNM: 0.38 )
UNM' s 10-Year Dividend Payout Range
Min: 0.12   Max: 0.51
Current: 0.38

0.12
0.51
Dividend growth (3y) 16.20
UNM's Dividend growth (3y) is ranked higher than
86% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.80 vs. UNM: 16.20 )
UNM' s 10-Year Dividend growth (3y) Range
Min: -20.2   Max: 16.3
Current: 16.2

-20.2
16.3
Yield on cost (5-Year) 4.04
UNM's Yield on cost (5-Year) is ranked higher than
62% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.00 vs. UNM: 4.04 )
UNM' s 10-Year Yield on cost (5-Year) Range
Min: 2.2   Max: 7.47
Current: 4.04

2.2
7.47
Share Buyback Rate 5.40
UNM's Share Buyback Rate is ranked higher than
94% of the 152 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. UNM: 5.40 )
UNM' s 10-Year Share Buyback Rate Range
Min: 6.7   Max: -37.7
Current: 5.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
UNM's Price/Tangible Book is ranked higher than
88% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.70 vs. UNM: 1.00 )
UNM' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 11.85
Current: 1

0.4
11.85
Price/DCF (Projected) 1.10
UNM's Price/DCF (Projected) is ranked higher than
79% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. UNM: 1.10 )
UNM' s 10-Year Price/DCF (Projected) Range
Min: 0.54   Max: 1.34
Current: 1.1

0.54
1.34
Price/Median PS Value 1.20
UNM's Price/Median PS Value is ranked higher than
75% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. UNM: 1.20 )
UNM' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 1.61
Current: 1.2

0.64
1.61
Price/Graham Number 1.00
UNM's Price/Graham Number is ranked higher than
81% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.50 vs. UNM: 1.00 )
UNM' s 10-Year Price/Graham Number Range
Min: 0.43   Max: 1.49
Current: 1

0.43
1.49
Earnings Yield (Greenblatt) 5.20
UNM's Earnings Yield (Greenblatt) is ranked higher than
62% of the 181 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.20 vs. UNM: 5.20 )
UNM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.5   Max: 18.8
Current: 5.2

3.5
18.8
Forward Rate of Return (Yacktman) 5.78
UNM's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.75 vs. UNM: 5.78 )
UNM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -28   Max: 46.3
Current: 5.78

-28
46.3

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:UUM.Germany,
Unum Group was founded in 1848. The Company is a general business corporation, and its insurance and non-insurance subsidiaries, which collectively with the Company, operate in the United States, the United Kingdom, and, to a limited extent, in certain other countries. The principal operating subsidiaries in the United States are Unum Life Insurance Company of America (Unum America), Provident Life and Accident Insurance Company (Provident), The Paul Revere Life Insurance Company (Paul Revere Life), and Colonial Life & Accident Insurance Company, and in the United Kingdom, Unum Limited. It is the provider of disability insurance products in the United States and the United Kingdom. It also provides a complementary portfolio of other insurance products, including employer- and employee-paid group benefits, life insurance, and other related services. The Company offers group, individual, and voluntary benefits, either as stand-alone products or combined with other coverages, that help employers of all sizes attract and retain a stronger workforce while protecting the incomes and livelihood of their employees. The Company has three principal operating business segments: Unum US, Unum UK, and Colonial Life and its other segments are the Closed Block and Corporate segments. The Unum US segment includes group long-term and short-term disability insurance, group life and accidental death and dismemberment products, and supplemental and voluntary lines of business. The supplemental and voluntary lines of business are comprised of individual disability and voluntary benefits products. Unum US products are issued primarily by Unum America and Provident. It sells group long-term and short-term disability products to employers for the benefit of employees. Group long-term disability provides employees with insurance coverage for loss of income in the event of extended work absences due to sickness or injury. It offers services to employers and insureds to encourage and facilitate rehabilitation, retraining, and re-employment. The policies begin providing benefits following 90 or 180 day waiting periods and continue providing benefits until the employee reaches a certain age, generally between 65 and 70. The benefits are limited to specified maximums as a percentage of income. Group life and accidental death and dismemberment products are sold to employers as employee benefit products. Group life consists primarily of renewable term life insurance with the coverages frequently linked to employees' wages and includes a provision for waiver of premium, if disabled. Accidental death and dismemberment consists primarily of an additional benefit amount payable if death or severe injury is attributable to an accident. The Unum UK segment includes insurance for group long-term disability, group life, and supplemental lines of business which include individual disability and critical illness products. Unum UK's products are issued primarily by Unum L
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More From Other Websites
Colonial Life offers new dental insurance coverage Apr 20 2015
Unum Group declares quarterly dividend of $0.165 per share of its common stock Apr 14 2015
Supreme Court To Decide if Employees Can Avoid Repaying Insurance Plan By Spending The Money Mar 30 2015
Unum Group to release first quarter 2015 results and host conference call Mar 30 2015
Unum Group to present at the JP Morgan Insurance Conference Mar 16 2015
UNUM GROUP Financials Mar 04 2015
Unum Group to present at the RBC Capital Markets Financial Institutions Conference Mar 02 2015
10-K for Unum Group Feb 27 2015
UNUM GROUP Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements and... Feb 26 2015
Ronald P. O’Hanley joins Unum’s Board of Directors Feb 26 2015
UNUM GROUP Files SEC form 10-K, Annual Report Feb 25 2015
New disability product from Unum offers flexibility, simplicity Feb 25 2015
Unum nears $12.7 million in corporate, employee giving for 2014 Feb 24 2015
Colonial Life launches Spanish benefits learning center Feb 19 2015
Employers Holdings' Q4 Earnings Top on Expense Control - Analyst Blog Feb 19 2015
UNUM GROUP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 12 2015
Unum Group (UNM) Earnings Report: Q4 2014 Conference Call Transcript Feb 09 2015
Unum Group (UNM): New Analyst Report from Zacks Equity Research - Zacks Equity Research Report Feb 06 2015
Unum Group Q4 Earnings Beat on Core Business, View Intact - Analyst Blog Feb 04 2015
Unum reports 4Q loss Feb 03 2015

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