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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 No Debt
UNM's Cash to Debt is ranked higher than
98% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.36 vs. UNM: No Debt )
UNM' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: No Debt

Interest Coverage 7.86
UNM's Interest Coverage is ranked higher than
76% of the 139 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.64 vs. UNM: 7.86 )
UNM' s 10-Year Interest Coverage Range
Min: 1.79   Max: 10.31
Current: 7.86

1.79
10.31
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 : 7/10

vs
industry
vs
history
Operating margin (%) 12.51
UNM's Operating margin (%) is ranked higher than
88% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.63 vs. UNM: 12.51 )
UNM' s 10-Year Operating margin (%) Range
Min: -2.48   Max: 13.06
Current: 12.51

-2.48
13.06
Net-margin (%) 8.79
UNM's Net-margin (%) is ranked higher than
89% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.93 vs. UNM: 8.79 )
UNM' s 10-Year Net-margin (%) Range
Min: -3.87   Max: 8.79
Current: 8.79

-3.87
8.79
ROE (%) 12.35
UNM's ROE (%) is ranked higher than
84% of the 168 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.72 vs. UNM: 12.35 )
UNM' s 10-Year ROE (%) Range
Min: -5.48   Max: 21.28
Current: 12.35

-5.48
21.28
ROA (%) 1.82
UNM's ROA (%) is ranked higher than
96% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.70 vs. UNM: 1.82 )
UNM' s 10-Year ROA (%) Range
Min: -0.81   Max: 3.1
Current: 1.82

-0.81
3.1
ROC (Joel Greenblatt) (%) 302.70
UNM's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 145 Companies
in the Global Insurance - Life industry.

( Industry Median: 341.36 vs. UNM: 302.70 )
UNM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -52.83   Max: 512.44
Current: 302.7

-52.83
512.44
Revenue Growth (%) 6.20
UNM's Revenue Growth (%) is ranked higher than
80% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.00 vs. UNM: 6.20 )
UNM' s 10-Year Revenue Growth (%) Range
Min: -16.8   Max: 38.4
Current: 6.2

-16.8
38.4
EBITDA Growth (%) 53.20
UNM's EBITDA Growth (%) is ranked higher than
96% of the 142 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. UNM: 53.20 )
UNM' s 10-Year EBITDA Growth (%) Range
Min: -37.3   Max: 53.2
Current: 53.2

-37.3
53.2
EPS Growth (%) 55.90
UNM's EPS Growth (%) is ranked higher than
97% of the 139 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. UNM: 55.90 )
UNM' s 10-Year EPS Growth (%) Range
Min: -16.6   Max: 55.9
Current: 55.9

-16.6
55.9
» UNM's 10-Y Financials

Financials


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

» Details

Guru Trades

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)
Mario Gabelli Sold Out
John Hussman 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)
Paul Tudor Jones Sold Out
Steven Cohen Sold Out
George Soros 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
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%)
Jean-Marie Eveillard 60,000 sh (unchged)
Jeff Auxier 38,604 sh (unchged)
Ken Fisher 236,051 sh (-11.92%)
NWQ Managers 6,799,655 sh (-18.68%)
Pioneer Investments 924,917 sh (-24.1%)
Joel Greenblatt 6,182 sh (-50.25%)
Jeremy Grantham 107,535 sh (-58.03%)
» More
Q3 2014

UNM Guru Trades in Q3 2014

Ray Dalio 10,400 sh (New)
Jim Simons 226,100 sh (New)
Paul Tudor Jones 26,600 sh (+64.2%)
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)
HOTCHKIS & WILEY 12,574,622 sh (-0.97%)
NWQ Managers 6,404,084 sh (-5.82%)
Jeremy Grantham 97,935 sh (-8.93%)
Pioneer Investments 607,936 sh (-34.27%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Donald Smith 2014-09-30 Add 14.05%0.41%$33.8 - $36.81 $ 33.69-4%4614793
NWQ Managers 2014-09-30 Reduce -5.82%0.14%$33.8 - $36.81 $ 33.69-4%6404084
David Dreman 2014-09-30 Add 28.43%0.01%$33.8 - $36.81 $ 33.69-4%8330
Ray Dalio 2014-09-30 New Buy$33.8 - $36.81 $ 33.69-4%10400
NWQ Managers 2014-06-30 Reduce -18.68%0.49%$32.41 - $35.71 $ 33.69-1%6799655
Joel Greenblatt 2014-06-30 Reduce -50.25%$32.41 - $35.71 $ 33.69-1%6182
HOTCHKIS & WILEY 2014-03-31 Add 16.02%0.22%$30.71 - $36 $ 33.69-1%12273445
NWQ Managers 2014-03-31 Reduce -7.16%0.2%$30.71 - $36 $ 33.69-1%8361130
George Soros 2014-03-31 Sold Out 0.01%$30.71 - $36 $ 33.69-1%0
David Dreman 2014-03-31 Add 102.22%0.01%$30.71 - $36 $ 33.69-1%5565
John Hussman 2013-12-31 Sold Out 0.84%$29.52 - $35.16 $ 33.693%0
NWQ Managers 2013-12-31 Reduce -15.9%0.49%$29.52 - $35.16 $ 33.693%9005679
HOTCHKIS & WILEY 2013-12-31 Reduce -17.97%0.32%$29.52 - $35.16 $ 33.693%10578899
George Soros 2013-12-31 New Buy0.01%$29.52 - $35.16 $ 33.693%30000
Mario Gabelli 2013-12-31 Sold Out $29.52 - $35.16 $ 33.693%0
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 5.70
UNM's P/E(ttm) is ranked higher than
98% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.20 vs. UNM: 5.70 )
UNM' s 10-Year P/E(ttm) Range
Min: 4.96   Max: 27.54
Current: 5.7

4.96
27.54
P/S 0.80
UNM's P/S is ranked higher than
82% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.86 vs. UNM: 0.80 )
UNM' s 10-Year P/S Range
Min: 0.28   Max: 0.92
Current: 0.8

0.28
0.92
EV-to-EBIT 6.51
UNM's EV-to-EBIT is ranked higher than
91% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.47 vs. UNM: 6.51 )
UNM' s 10-Year EV-to-EBIT Range
Min: -155.5   Max: 36.6
Current: 6.51

-155.5
36.6
PEG 0.55
UNM's PEG is ranked higher than
93% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.88 vs. UNM: 0.55 )
UNM' s 10-Year PEG Range
Min: 0.13   Max: 60.86
Current: 0.55

0.13
60.86

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.80
UNM's Dividend Yield is ranked lower than
54% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.16 vs. UNM: 1.80 )
UNM' s 10-Year Dividend Yield Range
Min: 1.09   Max: 3.7
Current: 1.8

1.09
3.7
Dividend Payout 0.17
UNM's Dividend Payout is ranked higher than
86% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.38 vs. UNM: 0.17 )
UNM' s 10-Year Dividend Payout Range
Min: 0.12   Max: 0.42
Current: 0.17

0.12
0.42
Dividend growth (3y) 16.20
UNM's Dividend growth (3y) is ranked higher than
88% of the 119 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.60 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) 3.19
UNM's Yield on cost (5-Year) is ranked higher than
57% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.44 vs. UNM: 3.19 )
UNM' s 10-Year Yield on cost (5-Year) Range
Min: 1.93   Max: 6.55
Current: 3.19

1.93
6.55
Share Buyback Rate 5.20
UNM's Share Buyback Rate is ranked higher than
96% of the 132 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.70 vs. UNM: 5.20 )
UNM' s 10-Year Share Buyback Rate Range
Min: 6.7   Max: -18.4
Current: 5.2

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 15.40
UNM's Earnings Yield (Greenblatt) is ranked higher than
90% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.30 vs. UNM: 15.40 )
UNM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 20.1
Current: 15.4

2.7
20.1
Forward Rate of Return (Yacktman) 8.84
UNM's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 132 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.87 vs. UNM: 8.84 )
UNM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -29.5   Max: 46.3
Current: 8.84

-29.5
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 as a Delaware general business corporation, and its insurance and non-insurance subsidiaries, which collectively with Unum Group refers to as 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. The Company provides 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 operating business segments: Unum US, Unum UK, and Colonial Life and its other segments are the Closed Block and Corporate segments. 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 - recently issued insurance and voluntary benefits products. Unum US products are issued primarily by Unum America and Provident. Paul Revere Life. 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 Limited and are sold in the United Kingdom through field sales personnel and independent brokers and consultants. Colonial Life segment includes insurance for accident, sickness, and disability products, life products, and cancer and critical illness products issued primarily by Colonial Life & Accident Insurance Company and marketed to employees, on both a group and an individual basis, at the workplace through an independent contractor agency sales force and brokers. Closed Block segment consists of individual disability, group and individual long-term care, and other insurance products no longer actively marketed. Other insurance products not actively marketed include group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous product lines. orporate 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 co
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