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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.03
UNM's Cash to Debt is ranked higher than
61% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. UNM: 0.03 )
UNM' s 10-Year Cash to Debt Range
Min: 0.01   Max: 0.13
Current: 0.03

0.01
0.13
Equity to Asset 0.15
UNM's Equity to Asset is ranked higher than
92% of the 153 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. UNM: 0.15 )
UNM' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.18
Current: 0.15

0.13
0.18
Interest Coverage 8.07
UNM's Interest Coverage is ranked higher than
79% of the 134 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.86 vs. UNM: 8.07 )
UNM' s 10-Year Interest Coverage Range
Min: 2.33   Max: 10.31
Current: 8.07

2.33
10.31
F-Score: 4
Z-Score: 0.52
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 (%) 11.64
UNM's Operating margin (%) is ranked higher than
85% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.18 vs. UNM: 11.64 )
UNM' s 10-Year Operating margin (%) Range
Min: -0.5   Max: 13.06
Current: 11.64

-0.5
13.06
Net-margin (%) 8.29
UNM's Net-margin (%) is ranked higher than
87% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.94 vs. UNM: 8.29 )
UNM' s 10-Year Net-margin (%) Range
Min: -3.94   Max: 8.69
Current: 8.29

-3.94
8.69
ROE (%) 9.91
UNM's ROE (%) is ranked higher than
82% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.91 vs. UNM: 9.91 )
UNM' s 10-Year ROE (%) Range
Min: -5.31   Max: 25.37
Current: 9.91

-5.31
25.37
ROA (%) 1.44
UNM's ROA (%) is ranked higher than
93% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.57 vs. UNM: 1.44 )
UNM' s 10-Year ROA (%) Range
Min: -0.78   Max: 4.6
Current: 1.44

-0.78
4.6
ROC (Joel Greenblatt) (%) 235.44
UNM's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 226.30 vs. UNM: 235.44 )
UNM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -10.59   Max: 291.39
Current: 235.44

-10.59
291.39
Revenue Growth (%) 7.70
UNM's Revenue Growth (%) is ranked higher than
86% of the 140 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.90 vs. UNM: 7.70 )
UNM' s 10-Year Revenue Growth (%) Range
Min: -6   Max: 12.6
Current: 7.7

-6
12.6
EBITDA Growth (%) 4.60
UNM's EBITDA Growth (%) is ranked higher than
80% of the 133 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.60 vs. UNM: 4.60 )
UNM' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 31.9
Current: 4.6

0
31.9
EPS Growth (%) 6.00
UNM's EPS Growth (%) is ranked higher than
78% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.50 vs. UNM: 6.00 )
UNM' s 10-Year EPS Growth (%) Range
Min: -16.6   Max: 28.5
Current: 6

-16.6
28.5
» UNM's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

UNM Guru Trades in Q2 2013

Mario Gabelli 13,000 sh (New)
Steven Cohen 43,536 sh (New)
Jim Simons 243,800 sh (New)
Pioneer Investments 3,009,679 sh (+52.59%)
Jeremy Grantham 322,941 sh (+46.52%)
Jean-Marie Eveillard 60,000 sh (unchged)
Tom Russo Sold Out
Donald Smith 3,933,021 sh (-0.06%)
Ken Fisher 271,925 sh (-1.59%)
David Dreman 266,814 sh (-1.97%)
Joel Greenblatt 12,333 sh (-3.67%)
NWQ Managers 13,794,439 sh (-13.61%)
Jeff Auxier 38,604 sh (-18.91%)
HOTCHKIS & WILEY 12,668,009 sh (-20.2%)
» More
Q3 2013

UNM Guru Trades in Q3 2013

John Hussman 500,000 sh (New)
Jeremy Grantham 389,619 sh (+20.65%)
Ken Fisher 285,075 sh (+4.84%)
HOTCHKIS & WILEY 12,896,809 sh (+1.81%)
Joel Greenblatt 12,346 sh (+0.11%)
Jeff Auxier 38,604 sh (unchged)
Jean-Marie Eveillard 60,000 sh (unchged)
Jim Simons Sold Out
Donald Smith 3,921,681 sh (-0.29%)
NWQ Managers 10,707,921 sh (-22.38%)
Mario Gabelli 8,400 sh (-35.38%)
Pioneer Investments 1,817,282 sh (-39.62%)
Steven Cohen 12,736 sh (-70.75%)
David Dreman 2,903 sh (-98.91%)
» More
Q4 2013

UNM Guru Trades in Q4 2013

George Soros 30,000 sh (New)
Paul Tudor Jones 7,600 sh (New)
Steven Cohen 22,186 sh (+74.2%)
Joel Greenblatt 12,357 sh (+0.09%)
Jean-Marie Eveillard 60,000 sh (unchged)
Jeff Auxier 38,604 sh (unchged)
John Hussman Sold Out
Mario Gabelli Sold Out
Donald Smith 3,915,507 sh (-0.16%)
Ken Fisher 278,175 sh (-2.42%)
Jeremy Grantham 370,814 sh (-4.83%)
David Dreman 2,752 sh (-5.2%)
NWQ Managers 9,005,679 sh (-15.9%)
HOTCHKIS & WILEY 10,578,899 sh (-17.97%)
Pioneer Investments 1,147,327 sh (-36.87%)
» More
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)
George Soros Sold Out
Paul Tudor Jones 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 (-30.9%)
» More
» Details

Insider Trades

Latest Guru Trades with UNM

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
George Soros 2014-03-31 Sold Out 0.01%$30.71 - $36 $ 35.043%0
David Dreman 2014-03-31 Add 102.22%0.01%$30.71 - $36 $ 35.043%5565
John Hussman 2013-12-31 Sold Out 0.84%$29.52 - $35.16 $ 35.047%0
George Soros 2013-12-31 New Buy0.01%$29.52 - $35.16 $ 35.047%30000
Mario Gabelli 2013-12-31 Sold Out $29.52 - $35.16 $ 35.047%0
John Hussman 2013-09-30 New Buy0.84%$29.23 - $32.9 $ 35.0414%500000
David Dreman 2013-09-30 Reduce -98.91%0.23%$29.23 - $32.9 $ 35.0414%2903
Mario Gabelli 2013-09-30 Reduce -35.38%$29.23 - $32.9 $ 35.0414%8400
Mario Gabelli 2013-06-30 New Buy$25.87 - $29.8 $ 35.0426%13000
Donald Smith 2013-03-31 Add 55.44%0.86%$20.82 - $28.25 $ 35.0444%3935562
Joel Greenblatt 2013-03-31 New Buy0.02%$20.82 - $28.25 $ 35.0444%12803
Ray Dalio 2013-03-31 Sold Out 0.01%$20.82 - $28.25 $ 35.0444%0
Ray Dalio 2012-12-31 Reduce -87.2%0.07%$19.18 - $21.26 $ 35.0472%36939
Scott Black 2012-09-30 Sold Out 0.32%$18.36 - $20.92 $ 35.0481%0
Ray Dalio 2012-09-30 Reduce -48.68%0.08%$18.36 - $20.92 $ 35.0481%288501
Scott Black 2012-06-30 Reduce -46.58%0.38%$18.58 - $24.48 $ 35.0464%107299
Ray Dalio 2012-06-30 New Buy0.16%$18.58 - $24.48 $ 35.0464%562144
David Dreman 2012-06-30 Add 114.6%0.07%$18.58 - $24.48 $ 35.0464%285574
Ray Dalio 2012-03-31 Sold Out 0.05%$21.08 - $24.64 $ 35.0461%0
David Dreman 2011-09-30 New Buy0.07%$20.39 - $26.36 $ 35.0450%129000
Ray Dalio 2011-09-30 Add 101.54%0.02%$20.39 - $26.36 $ 35.0450%155411
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 10.50
UNM's P/E(ttm) is ranked higher than
94% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.70 vs. UNM: 10.50 )
UNM' s 10-Year P/E(ttm) Range
Min: 4.96   Max: 137.56
Current: 10.5

4.96
137.56
P/B 1.00
UNM's P/B is ranked higher than
88% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.47 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 0.89
UNM's P/S is ranked higher than
81% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. UNM: 0.89 )
UNM' s 10-Year P/S Range
Min: 0.28   Max: 0.92
Current: 0.89

0.28
0.92
PFCF 9.20
UNM's PFCF is ranked higher than
77% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.58 vs. UNM: 9.20 )
UNM' s 10-Year PFCF Range
Min: 2.04   Max: 17.44
Current: 9.2

2.04
17.44
EV-to-EBIT 8.67
UNM's EV-to-EBIT is ranked higher than
88% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.95 vs. UNM: 8.67 )
UNM' s 10-Year EV-to-EBIT Range
Min: 5.3   Max: 231.1
Current: 8.67

5.3
231.1
PEG 2.10
UNM's PEG is ranked higher than
76% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.02 vs. UNM: 2.10 )
UNM' s 10-Year PEG Range
Min: 0.47   Max: 413.38
Current: 2.1

0.47
413.38
Shiller P/E 13.60
UNM's Shiller P/E is ranked higher than
94% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 25.60 vs. UNM: 13.60 )
UNM' s 10-Year Shiller P/E Range
Min: 8.54   Max: 39.76
Current: 13.6

8.54
39.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.71
UNM's Dividend Yield is ranked lower than
63% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.10 vs. UNM: 1.71 )
UNM' s 10-Year Dividend Yield Range
Min: 1.09   Max: 3.7
Current: 1.71

1.09
3.7
Dividend Payout 0.17
UNM's Dividend Payout is ranked higher than
97% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.59 vs. UNM: 0.17 )
UNM' s 10-Year Dividend Payout Range
Min: 0.09   Max: 3.75
Current: 0.17

0.09
3.75
Dividend growth (3y) 16.30
UNM's Dividend growth (3y) is ranked higher than
87% of the 100 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.60 vs. UNM: 16.30 )
UNM' s 10-Year Dividend growth (3y) Range
Min: -20.2   Max: 16.3
Current: 16.3

-20.2
16.3
Yield on cost (5-Year) 3.43
UNM's Yield on cost (5-Year) is ranked higher than
55% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.35 vs. UNM: 3.43 )
UNM' s 10-Year Yield on cost (5-Year) Range
Min: 2.2   Max: 7.47
Current: 3.43

2.2
7.47
Share Buyback Rate 6.70
UNM's Share Buyback Rate is ranked higher than
97% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.30 vs. UNM: 6.70 )
UNM' s 10-Year Share Buyback Rate Range
Min: 6.7   Max: -18.4
Current: 6.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
UNM's Price/Tangible Book is ranked higher than
92% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.77 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) 0.50
UNM's Price/DCF (Projected) is ranked higher than
83% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.48 vs. UNM: 0.50 )
UNM' s 10-Year Price/DCF (Projected) Range
Min: 0.13   Max: 1.12
Current: 0.5

0.13
1.12
Price/Median PS Value 1.40
UNM's Price/Median PS Value is ranked higher than
68% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.04 vs. UNM: 1.40 )
UNM' s 10-Year Price/Median PS Value Range
Min: 0.39   Max: 2.74
Current: 1.4

0.39
2.74
Price/Graham Number 0.70
UNM's Price/Graham Number is ranked higher than
94% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. UNM: 0.70 )
UNM' s 10-Year Price/Graham Number Range
Min: 0.43   Max: 4.96
Current: 0.7

0.43
4.96
Earnings Yield (Greenblatt) 11.50
UNM's Earnings Yield (Greenblatt) is ranked higher than
87% of the 149 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.30 vs. UNM: 11.50 )
UNM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 18.8
Current: 11.5

0.4
18.8
Forward Rate of Return (Yacktman) 12.18
UNM's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 133 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.65 vs. UNM: 12.18 )
UNM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 9.8   Max: 50.3
Current: 12.18

9.8
50.3

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:UUM.Germany
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. It 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. insurance s
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