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27.59 (1y: +37%)
Market Cap 7.46 B P/E(ttm) 8.50
Enterprise Value 10.37 B P/B 0.86
UNM- NYSE (USA)
Unum Group
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$27.59
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GuruFocus Financial Strength Rank measures how strong a companyย’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 0.024
UNM's Cash to Debt is ranked lower than
98% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.10 vs. UNM: 0.024 )
UNM' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.13
Current: 0.02
0.02
0.13
Equity to Asset 0.135
UNM's Equity to Asset is ranked higher than
71% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. UNM: 0.135 )
UNM' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.15
Current: 0.14
0.11
0.15
Interest Coverage 8.6
UNM's Interest Coverage is ranked higher than
80% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10000.00 vs. UNM: 8.6 )
UNM' s 10-Year Interest Coverage Range
Min: 2   Max: 10
Current: 8.6
2
10
F-Score: 4
Z-Score: 0.49
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 4/10

vs
industry		 vs
history
Operating margin (%) 11.90
UNM's Operating margin (%) is ranked higher than
78% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.65 vs. UNM: 11.90 )
UNM' s 10-Year Operating margin (%) Range
Min: -2.5   Max: 13.1
Current: 11.9
-2.5
13.1
Net-margin (%) 8.5
UNM's Net-margin (%) is ranked higher than
78% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.25 vs. UNM: 8.5 )
UNM' s 10-Year Net-margin (%) Range
Min: -3.9   Max: 8.7
Current: 8.5
-3.9
8.7
ROE (%) 10.4
UNM's ROE (%) is ranked higher than
73% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.00 vs. UNM: 10.4 )
UNM' s 10-Year ROE (%) Range
Min: -5.3   Max: 10.4
Current: 10.4
-5.3
10.4
ROA (%) 1.4
UNM's ROA (%) is ranked higher than
78% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. UNM: 1.4 )
UNM' s 10-Year ROA (%) Range
Min: -0.8   Max: 1.6
Current: 1.4
-0.8
1.6
ROC (Joel Greenblatt) (%) 142.00
UNM's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 140.60 vs. UNM: 142.00 )
UNM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -85.1   Max: 347.5
Current: 142
-85.1
347.5
Revenue Growth (%) 5.3
UNM's Revenue Growth (%) is ranked higher than
58% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.05 vs. UNM: 5.3 )
UNM' s 10-Year Revenue Growth (%) Range
Min: -4.5   Max: 5.3
Current: 5.3
-4.5
5.3
EBITDA Growth (%) 3.5
UNM's EBITDA Growth (%) is ranked higher than
56% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.80 vs. UNM: 3.5 )
UNM' s 10-Year EBITDA Growth (%) Range
Min: -29.4   Max: 21.6
Current: 3.5
-29.4
21.6
EPS Growth (%) 5.4
UNM's EPS Growth (%) is ranked lower than
53% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.90 vs. UNM: 5.4 )
UNM' s 10-Year EPS Growth (%) Range
Min: -16.7   Max: 20.2
Current: 5.4
-16.7
20.2
ยป UNM's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

UNM Guru Trades in Q2 2012

Ray Dalio 562,144 sh (New)
Paul Tudor Jones 39,700 sh (New)
Jeremy Grantham 58,200 sh (New)
Jim Simons 1,213,400 sh (+522.26%)
Steven Cohen 76,213 sh (+166.1%)
David Dreman 285,574 sh (+114.6%)
HOTCHKIS & WILEY 13,860,050 sh (+24.88%)
NWQ Managers 18,484,833 sh (+8.75%)
Ken Fisher 209,591 sh (+6.68%)
Pioneer Investments 2,396,930 sh (+0.19%)
Tom Russo 5,325 sh (unchged)
Jean-Marie Eveillard 60,000 sh (unchged)
Jeff Auxier 49,078 sh (-1.29%)
Donald Smith 2,530,617 sh (-2.32%)
Scott Black 107,299 sh (-46.58%)
» More
Q3 2012

UNM Guru Trades in Q3 2012

Jeremy Grantham 75,800 sh (+30.24%)
Ken Fisher 242,199 sh (+15.56%)
HOTCHKIS & WILEY 15,753,350 sh (+13.66%)
NWQ Managers 20,271,718 sh (+9.67%)
David Dreman 285,915 sh (+0.12%)
Donald Smith 2,531,872 sh (+0.05%)
Tom Russo 5,325 sh (unchged)
Jean-Marie Eveillard 60,000 sh (unchged)
Jim Simons Sold Out
Scott Black Sold Out
Pioneer Investments 2,396,398 sh (-0.02%)
Jeff Auxier 47,904 sh (-2.39%)
Paul Tudor Jones 23,400 sh (-41.06%)
Ray Dalio 288,501 sh (-48.68%)
Steven Cohen 21,733 sh (-71.48%)
» More
Q4 2012

UNM Guru Trades in Q4 2012

Steven Cohen 28,398 sh (+30.67%)
HOTCHKIS & WILEY 19,884,298 sh (+26.22%)
Ken Fisher 265,940 sh (+9.8%)
Jean-Marie Eveillard 60,000 sh (unchged)
Donald Smith 2,531,874 sh (unchged)
Jeremy Grantham 128,236 sh (unchged)
Tom Russo 5,325 sh (unchged)
Paul Tudor Jones Sold Out
David Dreman 284,312 sh (-0.56%)
Jeff Auxier 46,904 sh (-2.09%)
NWQ Managers 17,585,474 sh (-13.25%)
Pioneer Investments 1,939,759 sh (-19.06%)
Ray Dalio 36,939 sh (-87.2%)
» More
Q1 2013

UNM Guru Trades in Q1 2013

Joel Greenblatt 12,803 sh (New)
Jeremy Grantham 220,400 sh (+71.87%)
Donald Smith 3,935,562 sh (+55.44%)
Ken Fisher 276,306 sh (+3.9%)
Pioneer Investments 1,972,433 sh (+1.68%)
Jeff Auxier 47,604 sh (+1.49%)
Jean-Marie Eveillard 60,000 sh (unchged)
Tom Russo 5,325 sh (unchged)
Steven Cohen Sold Out
Ray Dalio Sold Out
David Dreman 272,176 sh (-4.27%)
NWQ Managers 15,968,526 sh (-9.19%)
HOTCHKIS & WILEY 15,873,710 sh (-20.17%)
» More
» Details

Insider Trades

Latest Guru Trades with UNM

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Donald Smith 2013-03-31 Add 55.44%0.86%$20.82 - $28.25 $ 27.5913%3935562
Joel Greenblatt 2013-03-31 New Buy0.02%$20.82 - $28.25 $ 27.5913%12803
Ray Dalio 2013-03-31 Sold Out 0.01%$20.82 - $28.25 $ 27.5913%0
Ray Dalio 2012-12-31 Reduce -87.2%0.07%$19.18 - $21.26 $ 27.5936%36939
Scott Black 2012-09-30 Sold Out 0.32%$18.36 - $20.92 $ 27.5942%0
Ray Dalio 2012-09-30 Reduce -48.68%0.08%$18.36 - $20.92 $ 27.5942%288501
Scott Black 2012-06-30 Reduce -46.58%0.38%$18.58 - $24.48 $ 27.5929%107299
Ray Dalio 2012-06-30 New Buy0.16%$18.58 - $24.48 $ 27.5929%562144
David Dreman 2012-06-30 Add 114.6%0.07%$18.58 - $24.48 $ 27.5929%285574
Ray Dalio 2012-03-31 Sold Out 0.05%$21.08 - $24.64 $ 27.5927%0
David Dreman 2011-09-30 New Buy0.07%$20.39 - $26.36 $ 27.5918%129000
Ray Dalio 2011-09-30 Add 101.54%0.02%$20.39 - $26.36 $ 27.5918%155411
Donald Smith 2010-12-31 Add 10.08%0.2%$21.48 - $24.58 $ 27.5921%2690119
David Dreman 2010-12-31 Sold Out 0.01%$21.48 - $24.58 $ 27.5921%0
David Dreman 2010-06-30 Reduce -32.14%$21.51 - $26.07 $ 27.5916%11102
Dodge & Cox 2010-03-31 Sold Out $18.73 - $24.87 $ 27.5929%0
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 8.50
UNM's P/E(ttm) is ranked lower than
67% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.95 vs. UNM: 8.50 )
UNM' s 10-Year P/E(ttm) Range
Min: 4.92   Max: 71.17
Current: 8.5
4.92
71.17
P/B 0.90
UNM's P/B is ranked higher than
64% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. UNM: 0.90 )
UNM' s 10-Year P/B Range
Min: 0.28   Max: 1.39
Current: 0.9
0.28
1.39
P/S 0.72
UNM's P/S is ranked higher than
64% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.75 vs. UNM: 0.72 )
UNM' s 10-Year P/S Range
Min: 0.19   Max: 0.9
Current: 0.72
0.19
0.9
PFCF 5.80
UNM's PFCF is ranked lower than
51% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.45 vs. UNM: 5.80 )
UNM' s 10-Year PFCF Range
Min: 1.21   Max: 7.39
Current: 5.8
1.21
7.39
EV-to-EBIT 8.1
UNM's EV-to-EBIT is ranked higher than
62% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. UNM: 8.1 )
UNM' s 10-Year EV-to-EBIT Range
Min: 5.8   Max: 44.4
Current: 8.1
5.8
44.4
Shiller P/E 12
UNM's Shiller P/E is ranked higher than
60% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.10 vs. UNM: 12 )
UNM' s 10-Year Shiller P/E Range
Min: 8.58   Max: 40.98
Current: 12
8.58
40.98

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.88
UNM's Dividend Yield is ranked higher than
53% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.15 vs. UNM: 1.88 )
UNM' s 10-Year Dividend Yield Range
Min: 1.09   Max: 7.83
Current: 1.88
1.09
7.83
Dividend Payout 0.1533
UNM's Dividend Payout is ranked higher than
84% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.33 vs. UNM: 0.1533 )
UNM' s 10-Year Dividend Payout Range
Min: 0.12   Max: 0.51
Current: 0.15
0.12
0.51
Dividend growth (3y) 10.5
UNM's Dividend growth (3y) is ranked higher than
84% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.40 vs. UNM: 10.5 )
UNM' s 10-Year Dividend growth (3y) Range
Min: -15.6   Max: 10.5
Current: 10.5
-15.6
10.5
Yield on cost (5-Year) 3.33
UNM's Yield on cost (5-Year) is ranked higher than
69% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.17 vs. UNM: 3.33 )
UNM' s 10-Year Yield on cost (5-Year) Range
Min: 1.91   Max: 13.74
Current: 3.33
1.91
13.74
Share Buyback Rate 4
UNM's Share Buyback Rate is ranked higher than
87% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.85 vs. UNM: 4 )
UNM' s 10-Year Share Buyback Rate Range
Min: 4   Max: -6.5
Current: 4

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 7.2
UNM's Price/Net Current Asset Value is ranked higher than
76% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.85 vs. UNM: 7.2 )
UNM' s 10-Year Price/Net Current Asset Value Range
Min: 0.7   Max: 7.2
Current: 7.2
0.7
7.2
Price/Tangible Book 0.9
UNM's Price/Tangible Book is ranked lower than
56% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. UNM: 0.9 )
UNM' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 1.3
Current: 0.9
0.6
1.3
Price/DCF (Projected) 0.4
UNM's Price/DCF (Projected) is ranked higher than
69% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. UNM: 0.4 )
UNM' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 0.4
Current: 0.4
0.3
0.4
Price/Median PS Value 1.1
UNM's Price/Median PS Value is ranked higher than
73% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. UNM: 1.1 )
UNM' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.3
Current: 1.1
0.7
1.3
Price/Graham Number 0.6
UNM's Price/Graham Number is ranked lower than
53% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.65 vs. UNM: 0.6 )
UNM' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 1
Current: 0.6
0.5
1
Earnings Yield (Greenblatt) 12.40
UNM's Earnings Yield (Greenblatt) is ranked lower than
80% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. UNM: 12.40 )
UNM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.3   Max: 17.1
Current: 12.4
2.3
17.1
Forward Rate of Return (Yacktman) 0.85
UNM's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.65 vs. UNM: 0.85 )
UNM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.9   Max: 95.2
Current: 0.85
-9.9
95.2

Business Description

Unum Group, a Delaware general business corporation, and its insurance and non-insurance subsidiaries, which collectively operate in the United States, the United Kingdom, and, to a limited extent, in certain other countries around the world. The Company is the provider of group and individual disability products in the United States and the United Kingdom. It also provides a complementary portfolio of other insurance products, including long-term care insurance, life insurance, employer- and employee-paid group benefits, and other related services. The Company markets its products mainly to employers interested in providing benefits to their employees. The principal operating subsidiaries in the United States are Unum Life Insurance Company of America, Provident Life and Accident Insurance Company, The Paul Revere Life Insurance Company and Colonial Life & Accident Insurance Company, and in the United Kingdom, Unum Limited. It has three major business segments: Unum US, Unum UK and Colonial Life. The Company's other segments are the Individual Disability - Closed Block segment and the Corporate and Other segment. 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, comprised of individual disability - recently issued, group and individual long-term care, and brokerage voluntary benefits products, issued mainly by Unum America, Provident, and Paul Revere Life. The Unum UK segment includes group long-term disability insurance, group life products, and individual disability products issued by Unum Limited and sold mainly in the United Kingdom through field sales personnel and independent brokers and consultants. The Colonial Life segment includes insurance for accident, sickness, and disability products, life products, and cancer and critical illness products issued mainly by Colonial Life & Accident Insurance Company and marketed to employees at the workplace through an agency sales force and brokers. Generally, the insurance policies included in the Individual Disability - Closed Block segment are individual disability insurance policies that were designed to be distributed to individuals in a non-workplace setting and that were written or assumed prior to the restructuring of the Company's individual disability business. The Corporate and Other segment includes investment income on corporate assets not specifically allocated to a line of business, interest expense on corporate debt other than non-recourse debt, and certain other corporate income and expense not allocated to a line of business. The Corporate and Other segment also includes results from certain Unum US insurance products not actively marketed, including individual life and corporate-owned life insurance, reinsurance pools and management operations, group pension, health insurance, and individual annuities. The Company's U.S. in
Company Website
SEC Reports
Industry: Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF
Traded in other countries:UUM.Germany
ยป More Articles for UNM

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Unum Group (UNM) EVP, President & CEO, Unum US Kevin P Mccarthy sells 3,199 Shares Mar 01 2011 
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Unum Group (UNM) President and CEO Thomas R Watjen sells 73,802 Shares Feb 23 2011 


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