Business Description
Unum Group
NAICS : 524114
SIC : 6321
1 Fountain Square, Chattanooga, TN, USA, 37402
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Traded in other countries / regions
U1NM34.Brazil
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UUM.Germany
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0LJN.UK
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UNM.USA
Description
Unum Group is a provider of group and individual income protection insurance products in the United States, the United Kingdom, Poland, and other countries. It is the largest domestic disability insurer, with the majority of premiums generated from employer plans. The company also offers a complementary portfolio of other insurance products, including long-term care insurance, life insurance, and employer- and employee-paid group benefits. It has the following operating business segments: Unum US, Unum International, and Colonial Life. The majority of the revenue is earned from the Unum US segment. The firm markets its products primarily through brokers.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.04 | |||||
| Equity-to-Asset | 0.15 | |||||
| Debt-to-Equity | 0.36 | |||||
| Debt-to-EBITDA | 2.07 | |||||
| Interest Coverage | 8.17 | |||||
| Piotroski F-Score | 6/9 | |||||
| Altman Z-Score | 0 | |||||
| Beneish M-Score | -2.7 | |||||
| WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 3.2 | |||||
| 3-Year EBITDA Growth Rate | 17.9 | |||||
| 3-Year EPS without NRI Growth Rate | 19.1 | |||||
| 3-Year FCF Growth Rate | -0.5 | |||||
| 3-Year Book Growth Rate | 11.9 | |||||
| Future 3-5Y Total Revenue Growth Rate Industry Rank | 0.31 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 80.98 | |||||
| 9-Day RSI | 73.75 | |||||
| 14-Day RSI | 68.01 | |||||
| 6-1 Month Momentum % | 28.35 | |||||
| 12-1 Month Momentum % | 45.56 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 3.23 | |||||
| Dividend Payout Ratio | 0.22 | |||||
| 3-Year Dividend Growth Rate | 6.1 | |||||
| Forward Dividend Yield % | 3.68 | |||||
| 5-Year Yield-on-Cost % | 4.99 | |||||
| 3-Year Average Share Buyback Ratio | 1.9 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 9.38 | |||||
| ROE % | 10.33 | |||||
| ROA % | 1.63 | |||||
| ROIC % | 1.86 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 6.74 | |||||
| Forward PE Ratio | 7.11 | |||||
| PE Ratio without NRI | 6.74 | |||||
| Shiller PE Ratio | 8.57 | |||||
| Price-to-Owner-Earnings | 4.14 | |||||
| PEG Ratio | 67.4 | |||||
| PS Ratio | 0.63 | |||||
| PB Ratio | 0.76 | |||||
| Price-to-Tangible-Book | 0.8 | |||||
| Price-to-Free-Cash-Flow | 4.71 | |||||
| Price-to-Operating-Cash-Flow | 4.44 | |||||
| EV-to-EBIT | 6.89 | |||||
| EV-to-EBITDA | 6.4 | |||||
| EV-to-Revenue | 0.9 | |||||
| EV-to-Forward-Revenue | 0.89 | |||||
| EV-to-FCF | 6.69 | |||||
| Price-to-Projected-FCF | 0.41 | |||||
| Price-to-Median-PS-Value | 0.88 | |||||
| Price-to-Graham-Number | 0.5 | |||||
| Earnings Yield (Greenblatt) % | 14.51 | |||||
| Forward Rate of Return (Yacktman) % | 16.83 |
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Executives
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Analyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 10,649.321 | ||
| EPS (TTM) (€) | 4.916 | ||
| Beta | 1.33 | ||
| Volatility % | 27.77 | ||
| 14-Day RSI | 68.01 | ||
| 14-Day ATR (€) | 0.634303 | ||
| 20-Day SMA (€) | 32.681 | ||
| 12-1 Month Momentum % | 45.56 | ||
| 52-Week Range (€) | 19.975 - 35.3 | ||
| Shares Outstanding (Mil) | 200 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Unum Group Filings
| Document | Form | Filing Date | ||
|---|---|---|---|---|
| No Filing Data | ||||