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

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.04
Equity-to-Asset	0.15
Debt-to-Equity	0.36
Debt-to-EBITDA	1.77
Interest Coverage	9.42
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.52	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-1.2
	3-Year EBITDA Growth Rate	16.6
	3-Year EPS without NRI Growth Rate	15.8
	3-Year FCF Growth Rate	46.5
	3-Year Book Growth Rate	-2.2
	Future 3-5Y EPS without NRI Growth Rate	6.1
	Future 3-5Y Total Revenue Growth Rate	4.38

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	65.02
	9-Day RSI	54.01
	14-Day RSI	52.75
	6-1 Month Momentum %	7.42
	12-1 Month Momentum %	28.78

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.74
	Dividend Payout Ratio	0.18
	3-Year Dividend Growth Rate	6.8
	Forward Dividend Yield %	2.81
	5-Year Yield-on-Cost %	3.75
	3-Year Average Share Buyback Ratio	1.7
	Shareholder Yield %	5.25

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	10.43
	FCF Margin %	8.68
	ROE %	13.8
	ROA %	2.08
	ROIC %	2.33
	Years of Profitability over Past 10-Year	10

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	8
	Forward PE Ratio	6.45
	PE Ratio without NRI	6.78
	Shiller PE Ratio	10.59
	Price-to-Owner-Earnings	8.06
	PEG Ratio	0.41
	PS Ratio	0.83
	PB Ratio	1.04
	Price-to-Tangible-Book	1.09
	Price-to-Free-Cash-Flow	9.57
	Price-to-Operating-Cash-Flow	8.47
	EV-to-EBIT	7.21
	EV-to-EBITDA	6.8
	EV-to-Revenue	1.07
	EV-to-Forward-Revenue	1.02
	EV-to-FCF	12.38
	Price-to-Projected-FCF	0.55
	Price-to-DCF (Earnings Based)	0.5
	Price-to-DCF (FCF Based)	0.83
	Price-to-Median-PS-Value	1.14
	Price-to-Peter-Lynch-Fair-Value	0.39
	Price-to-Graham-Number	0.57
	Earnings Yield (Greenblatt) %	13.87
	FCF Yield %	10.72
	Forward Rate of Return (Yacktman) %	28.12

GF Value: $40.72

UNM

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