Switch to:

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 0.05
UNM's Cash to Debt is ranked lower than
99% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.06 vs. UNM: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
UNM' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.04 Max: N/A
Current: 0.05
Equity to Asset 0.14
UNM's Equity to Asset is ranked higher than
71% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. UNM: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
UNM' s 10-Year Equity to Asset Range
Min: 0.13  Med: 0.15 Max: 0.18
Current: 0.14
0.13
0.18
Interest Coverage 3.15
UNM's Interest Coverage is ranked lower than
84% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.17 vs. UNM: 3.15 )
Ranked among companies with meaningful Interest Coverage only.
UNM' s 10-Year Interest Coverage Range
Min: 2.33  Med: 6.67 Max: 9999.99
Current: 3.15
2.33
9999.99
F-Score: 5
WACC vs ROIC
11.03%
3.56%
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 (%) 4.50
UNM's Operating margin (%) is ranked lower than
73% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.42 vs. UNM: 4.50 )
Ranked among companies with meaningful Operating margin (%) only.
UNM' s 10-Year Operating margin (%) Range
Min: -0.5  Med: 8.79 Max: 13.06
Current: 4.5
-0.5
13.06
Net-margin (%) 3.58
UNM's Net-margin (%) is ranked lower than
74% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.25 vs. UNM: 3.58 )
Ranked among companies with meaningful Net-margin (%) only.
UNM' s 10-Year Net-margin (%) Range
Min: -3.94  Med: 5.90 Max: 8.69
Current: 3.58
-3.94
8.69
ROE (%) 4.29
UNM's ROE (%) is ranked lower than
86% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.86 vs. UNM: 4.29 )
Ranked among companies with meaningful ROE (%) only.
UNM' s 10-Year ROE (%) Range
Min: -5.48  Med: 8.62 Max: 26.29
Current: 4.29
-5.48
26.29
ROA (%) 0.61
UNM's ROA (%) is ranked lower than
58% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.73 vs. UNM: 0.61 )
Ranked among companies with meaningful ROA (%) only.
UNM' s 10-Year ROA (%) Range
Min: -0.81  Med: 1.29 Max: 4.27
Current: 0.61
-0.81
4.27
Revenue Growth (3Y)(%) 6.50
UNM's Revenue Growth (3Y)(%) is ranked lower than
63% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.60 vs. UNM: 6.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UNM' s 10-Year Revenue Growth (3Y)(%) Range
Min: -6  Med: 1.80 Max: 12.6
Current: 6.5
-6
12.6
EBITDA Growth (3Y)(%) 18.30
UNM's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.10 vs. UNM: 18.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UNM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 4.60 Max: 31.9
Current: 18.3
0
31.9
EPS Growth (3Y)(%) 19.60
UNM's EPS Growth (3Y)(%) is ranked higher than
64% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.10 vs. UNM: 19.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UNM' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.6  Med: 6.00 Max: 28.5
Current: 19.6
-16.6
28.5
» UNM's 10-Y Financials

Financials


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

» Details

Guru Trades

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 (+64.20%)
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%)
Pioneer Investments 607,936 sh (unchged)
First Eagle Investment 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%)
» 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%)
First Eagle Investment 60,000 sh (unchged)
HOTCHKIS & WILEY 13,227,968 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
Q1 2015

UNM Guru Trades in Q1 2015

Steven Cohen 612,600 sh (New)
Pioneer Investments 484,452 sh (New)
Jim Simons 766,400 sh (+298.34%)
David Dreman 13,188 sh (+51.46%)
Donald Smith 6,519,320 sh (+9.93%)
Jeremy Grantham 69,300 sh (+8.11%)
NWQ Managers 5,997,511 sh (+5.20%)
HOTCHKIS & WILEY 13,320,592 sh (+0.70%)
Ken Fisher 257,600 sh (+0.46%)
Jeff Auxier 70,422 sh (+0.45%)
First Eagle Investment 60,000 sh (unchged)
Paul Tudor Jones Sold Out
Joel Greenblatt Sold Out
» More
Q2 2015

UNM Guru Trades in Q2 2015

Paul Tudor Jones 26,424 sh (New)
Pioneer Investments 983,157 sh (+102.94%)
Jeff Auxier 95,721 sh (+35.92%)
David Dreman 14,313 sh (+8.53%)
First Eagle Investment 60,000 sh (unchged)
Ken Fisher 253,625 sh (-1.54%)
HOTCHKIS & WILEY 13,012,792 sh (-2.31%)
Donald Smith 6,311,600 sh (-3.19%)
Jim Simons 720,400 sh (-6.00%)
NWQ Managers 5,483,472 sh (-8.57%)
Jeremy Grantham 56,900 sh (-17.89%)
Steven Cohen 421,700 sh (-31.16%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Unum Group

The Stocks Jeff Auxier Keeps Buying
Jeff Auxier (Trades, Portfolio) of Auxier Asset Management currently owns 133 positions in his $237 million portfolio. Auxier has a low quarter over quarter turnover rate of 1%. Over the past quarters, Auxier has continued to purchase shares in three positions, which include Aetna Inc (NYSE:AET), Royal Dutch Shell PLC (NYSE:RDS.A) and Unum Group (NYSE:UNM). Read more...
Donald Smith Makes Five New Buys in First Quarter
Guru Donald Smith (Trades, Portfolio) is known for investing in companies that have fallen from the public’s favor and are selling at discounted rates, but have strong earning potential. His success at doing what he does may best be measured by his success with the firm he founded in 1980, Donald Smith (Trades, Portfolio) & Co. Thirty years later, it had $3.6 billion under management. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 22.44
UNM's P/E(ttm) is ranked lower than
91% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.30 vs. UNM: 22.44 )
Ranked among companies with meaningful P/E(ttm) only.
UNM' s 10-Year P/E(ttm) Range
Min: 4.96  Med: 10.62 Max: 27.54
Current: 22.44
4.96
27.54
Forward P/E 8.64
UNM's Forward P/E is ranked higher than
76% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.49 vs. UNM: 8.64 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 22.30
UNM's PE(NRI) is ranked lower than
89% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.20 vs. UNM: 22.30 )
Ranked among companies with meaningful PE(NRI) only.
UNM' s 10-Year PE(NRI) Range
Min: 4.95  Med: 10.50 Max: 27.51
Current: 22.3
4.95
27.51
P/B 1.00
UNM's P/B is ranked higher than
57% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.22 vs. UNM: 1.00 )
Ranked among companies with meaningful P/B only.
UNM' s 10-Year P/B Range
Min: 0.42  Med: 0.88 Max: 1.3
Current: 1
0.42
1.3
P/S 0.80
UNM's P/S is ranked higher than
55% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.89 vs. UNM: 0.80 )
Ranked among companies with meaningful P/S only.
UNM' s 10-Year P/S Range
Min: 0.28  Med: 0.71 Max: 0.92
Current: 0.8
0.28
0.92
PFCF 10.10
UNM's PFCF is ranked lower than
73% of the 48 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.97 vs. UNM: 10.10 )
Ranked among companies with meaningful PFCF only.
UNM' s 10-Year PFCF Range
Min: 9.57  Med: 12.74 Max: 29.44
Current: 10.1
9.57
29.44
POCF 6.97
UNM's POCF is ranked lower than
59% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.85 vs. UNM: 6.97 )
Ranked among companies with meaningful POCF only.
UNM' s 10-Year POCF Range
Min: 2.04  Med: 5.78 Max: 17.44
Current: 6.97
2.04
17.44
EV-to-EBIT 16.14
UNM's EV-to-EBIT is ranked lower than
88% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.05 vs. UNM: 16.14 )
Ranked among companies with meaningful EV-to-EBIT only.
UNM' s 10-Year EV-to-EBIT Range
Min: -155.5  Med: 8.60 Max: 26.9
Current: 16.14
-155.5
26.9
Shiller P/E 13.31
UNM's Shiller P/E is ranked higher than
67% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.05 vs. UNM: 13.31 )
Ranked among companies with meaningful Shiller P/E only.
UNM' s 10-Year Shiller P/E Range
Min: 8.47  Med: 14.30 Max: 39.76
Current: 13.31
8.47
39.76
Days Sales Outstanding 57.12
UNM's Days Sales Outstanding is ranked lower than
78% of the 37 Companies
in the Global Insurance - Life industry.

( Industry Median: 33.93 vs. UNM: 57.12 )
Ranked among companies with meaningful Days Sales Outstanding only.
UNM' s 10-Year Days Sales Outstanding Range
Min: 18.58  Med: 59.86 Max: 190.97
Current: 57.12
18.58
190.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.03
UNM's Dividend Yield is ranked lower than
97% of the 100 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.43 vs. UNM: 2.03 )
Ranked among companies with meaningful Dividend Yield only.
UNM' s 10-Year Dividend Yield Range
Min: 1.09  Med: 1.64 Max: 3.7
Current: 2.03
1.09
3.7
Dividend Payout 0.43
UNM's Dividend Payout is ranked lower than
52% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. UNM: 0.43 )
Ranked among companies with meaningful Dividend Payout only.
UNM' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.19 Max: 3.75
Current: 0.43
0.09
3.75
Dividend growth (3y) 16.20
UNM's Dividend growth (3y) is ranked higher than
62% of the 53 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. UNM: 16.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
UNM' s 10-Year Dividend growth (3y) Range
Min: -20.2  Med: 1.50 Max: 16.3
Current: 16.2
-20.2
16.3
Yield on cost (5-Year) 4.10
UNM's Yield on cost (5-Year) is ranked lower than
72% of the 103 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.49 vs. UNM: 4.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UNM' s 10-Year Yield on cost (5-Year) Range
Min: 2.2  Med: 3.31 Max: 7.47
Current: 4.1
2.2
7.47
Share Buyback Rate 5.40
UNM's Share Buyback Rate is ranked higher than
90% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. UNM: 5.40 )
Ranked among companies with meaningful Share Buyback Rate only.
UNM' s 10-Year Share Buyback Rate Range
Min: 6.7  Med: -0.80 Max: -18.4
Current: 5.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.01
UNM's Price/Tangible Book is ranked higher than
68% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.51 vs. UNM: 1.01 )
Ranked among companies with meaningful Price/Tangible Book only.
UNM' s 10-Year Price/Tangible Book Range
Min: 0.4  Med: 0.98 Max: 11.85
Current: 1.01
0.4
11.85
Price/Projected FCF 0.89
UNM's Price/Projected FCF is ranked lower than
65% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.56 vs. UNM: 0.89 )
Ranked among companies with meaningful Price/Projected FCF only.
UNM' s 10-Year Price/Projected FCF Range
Min: 0.33  Med: 1.02 Max: 1.57
Current: 0.89
0.33
1.57
Price/Median PS Value 1.13
UNM's Price/Median PS Value is ranked lower than
71% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.98 vs. UNM: 1.13 )
Ranked among companies with meaningful Price/Median PS Value only.
UNM' s 10-Year Price/Median PS Value Range
Min: 0.37  Med: 1.05 Max: 2.54
Current: 1.13
0.37
2.54
Price/Graham Number 0.99
UNM's Price/Graham Number is ranked lower than
55% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.91 vs. UNM: 0.99 )
Ranked among companies with meaningful Price/Graham Number only.
UNM' s 10-Year Price/Graham Number Range
Min: 0.43  Med: 0.79 Max: 4.96
Current: 0.99
0.43
4.96
Earnings Yield (Greenblatt) (%) 6.18
UNM's Earnings Yield (Greenblatt) (%) is ranked lower than
75% of the 81 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.70 vs. UNM: 6.18 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UNM' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.7  Med: 11.40 Max: 18.8
Current: 6.18
3.7
18.8
Forward Rate of Return (Yacktman) (%) 5.73
UNM's Forward Rate of Return (Yacktman) (%) is ranked lower than
76% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.15 vs. UNM: 5.73 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UNM' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -41.5  Med: 0.90 Max: 55.9
Current: 5.73
-41.5
55.9

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 10,740 11,065 11,480
EPS($) 3.59 3.89 4.35
EPS without NRI($) 3.59 3.89 4.35

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
» More Articles for UNM

Headlines

Articles On GuruFocus.com
The Stocks Jeff Auxier Keeps Buying Jun 17 2015 
Hotchkis & Wiley’s Large Cap Fundamental Value Q4 2014 Commentary Feb 19 2015 
Donald Smith Invests in Financial Services, Technology Stocks in Q4 Feb 03 2015 
I Continue Recommend Adding Aflac to a Diversified Portfolio Jan 22 2015 
With a Promising Return, I Would Add Aflac to my Portfolio Oct 03 2014 
AFLAC Incorporated (AFL) Dividend Stock Analysis Aug 20 2014 
AFLAC Inc. Dividend Stock Analysis Feb 13 2014 
Renaissance Technologies - Heavy Selling in Third Quarter, AAPL, MST, STJ, Others Nov 14 2013 
Guru John Hussman's New Stock Buys Nov 01 2013 
AFLAC Incorporated (AFL) Dividend Stock Analysis Aug 08 2013 

More From Other Websites
New Colonial Life program helps employers with ACA reporting Aug 17 2015
UNUM GROUP Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements and... Aug 14 2015
Kinser to retire from Unum Board of Directors Aug 14 2015
MS&AD Insurance Group Holdings, Inc. Earnings Q2*, 2015 Aug 13 2015
FBL Financial Group, Inc. Earnings Q2*, 2015 Aug 13 2015
Unum to Benefit UK Employees with National Dental Plan Aug 11 2015
Gordan named chief internal auditor for Unum Aug 10 2015
Unum acquires National Dental Plan in the U.K. Aug 10 2015
UNUM GROUP Financials Aug 05 2015
10-Q for Unum Group Aug 01 2015
Unum (UNM) Earnings Report: Q2 2015 Conference Call Transcript Jul 30 2015
Edited Transcript of UNM earnings conference call or presentation 30-Jul-15 1:00pm GMT Jul 30 2015
UNUM GROUP Files SEC form 10-Q, Quarterly Report Jul 30 2015
Unum (UNM) Misses Q2 Earnings; 2015 Guidance at Low End - Analyst Blog Jul 30 2015
Unum misses 2Q profit forecasts Jul 29 2015
Unum misses 2Q profit forecasts Jul 29 2015
UNUM GROUP Files SEC form 8-K, Results of Operations and Financial Condition Jul 29 2015
Unum Group Reports Second Quarter 2015 Results Jul 29 2015
Q2 2015 Unum Group Earnings Release - After Market Close Jul 29 2015
Colonial Life, GFOA white paper points path to benefits cost savings Jul 28 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK