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Financial Services - Insurance - Life - NYSE - US
$ 70.75
-0.59 %
$ 12.5 B
Market Cap
7.48
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one UNM stock under the worst case scenario is HIDDEN Compared to the current market price of 70.8 USD, Unum Group is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one UNM stock under the base case scenario is HIDDEN Compared to the current market price of 70.8 USD, Unum Group is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one UNM stock under the best case scenario is HIDDEN Compared to the current market price of 70.8 USD, Unum Group is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart UNM

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$85.0$85.0$80.0$80.0$75.0$75.0$70.0$70.0$65.0$65.0$60.0$60.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
12.9 B REVENUE
4.05%
0 OPERATING INCOME
0.00%
1.78 B NET INCOME
38.58%
1.51 B OPERATING CASH FLOW
25.81%
-344 M INVESTING CASH FLOW
52.56%
-1.15 B FINANCING CASH FLOW
-155.94%
3.2 B REVENUE
0.09%
0 OPERATING INCOME
0.00%
349 M NET INCOME
-46.00%
486 M OPERATING CASH FLOW
24.56%
48.7 M INVESTING CASH FLOW
140.69%
-535 M FINANCING CASH FLOW
-123.33%
Balance Sheet Unum Group
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Current Assets 1.4 B
Cash & Short-Term Investments 1.4 B
Receivables 0
Other Current Assets 0
Non-Current Assets 404 M
Long-Term Investments 0
PP&E 0
Other Non-Current Assets 404 M
77.57 %22.43 %Total Assets$1.8b
Current Liabilities 275 M
Accounts Payable 0
Short-Term Debt 275 M
Other Current Liabilities 0
Non-Current Liabilities 4.42 B
Long-Term Debt 3.47 B
Other Non-Current Liabilities 951 M
5.85 %73.87 %20.28 %Total Liabilities$4.7b
EFFICIENCY
Earnings Waterfall Unum Group
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Revenue 12.9 B
Cost Of Revenue 0
Gross Profit 12.9 B
Operating Expenses 12.8 B
Operating Income 0
Other Expenses -1.78 B
Net Income 1.78 B
14b14b12b12b10b10b8b8b6b6b4b4b2b2b0013b013b(13b)02b2bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
0.00% OPERATING MARGIN
0.00%
13.81% NET MARGIN
13.81%
16.23% ROE
16.23%
11.37% ROA
11.37%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Unum Group
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2b2b1b1b1b1b1b1b800m800m600m600m400m400m200m200m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 1.78 B
Depreciation & Amortization 116 M
Capital Expenditures -126 M
Stock-Based Compensation 0
Change in Working Capital -222 M
Others -382 M
Free Cash Flow 1.39 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Unum Group
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Wall Street analysts predict an average 1-year price target for UNM of $70.9 , with forecasts ranging from a low of $57 to a high of $102 .
UNM Lowest Price Target Wall Street Target
57 USD -19.43%
UNM Average Price Target Wall Street Target
70.9 USD 0.24%
UNM Highest Price Target Wall Street Target
102 USD 44.17%
Price
Max Price Target
Min Price Target
Average Price Target
110110100100909080807070606050504040May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.57% DIVIDEND YIELD
0.42 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.6001.6001.4001.4001.2001.2001.0001.0000.8000.8000.6000.6000.4000.4000.2000.2000.0000.0000.1650.1850.20.230.260.2850.2850.30.330.3650.420.1650.1850.20.230.260.2850.2850.30.330.3650.1850.20.230.260.2850.2850.30.330.3650.420.1850.700.20.770.230.860.260.980.2851.090.2851.140.31.170.331.260.3651.390.421.570.422015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Unum Group
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Sold
0-3 MONTHS
5.49 M USD 3
3-6 MONTHS
8.51 M USD 9
6-9 MONTHS
4.39 M USD 3
9-12 MONTHS
657 K USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
UNM Stock Outperforms Industry, Trades at a Discount: Time to Hold? Unum Group stock rallies on improved premium income, higher sales, strong persistency, favorable benefits experience and effective capital deployment. zacks.com - 1 week ago
Unum Group to Release First Quarter 2025 Results and Host Conference Call CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group (NYSE: UNM) will release its first quarter 2025 results on April 29, 2025, at approximately 4:15 p.m. ET. The earnings release and financial supplement will be available in the investors section of the company's website, which can be directly accessed at https://investors.unum.com. Members of Unum Group's senior management will host a conference call on April 30, 2025, at 8:00 a.m. ET to discuss first quarter operations results. Topics may include. businesswire.com - 2 weeks ago
5 Stocks to Watch From Prospering Accident & Health Insurance Industry Lower claims frequency, moderate pricing and the adoption of technology are likely to boost the performance of Zacks Accident and Health Insurance industry players like AFL, UNM, TRUP, EIG and AMSF. zacks.com - 1 month ago
Unum: Progress In LTC Creates Room For More Upside Unum Group shares have surged over 50% in the past year, driven by strong core business performance and favorable long-term care exposure developments. The reinsurance deal with Fortitude Re reduced Unum's LTC risk by 20%, providing a $100 million benefit and improving capital allocation. Unum's core business continues to perform well, with solid premium growth and a strong investment portfolio, despite some pressure in the dental and vision segments. seekingalpha.com - 1 month ago
UNM Stock Trading at a Discount to Industry at 1.32X: Time to Hold? Unum Group stock rallies on improved premium income, higher sales, strong persistency, favorable benefits experience, as well as effective capital deployment. zacks.com - 1 month ago
Unum (UNM) Up 4.6% Since Last Earnings Report: Can It Continue? Unum (UNM) reported earnings 30 days ago. What's next for the stock? zacks.com - 1 month ago
Unum Group to Reinsure Long-Term Care Reserves With Fortitude Re UNM reinsures long-term care reserves and cede multi-life individual disability insurance business to Fortitude Re to focus on higher-returning core businesses. zacks.com - 1 month ago
Fortitude Re Announces Long-Term Care and Individual Disability Insurance Reinsurance Agreement with Unum Group HAMILTON, Bermuda--(BUSINESS WIRE)--FGH Parent, L.P., (together with its subsidiaries, “Fortitude Re”), a leading global reinsurance company, today announced the signing of a reinsurance transaction between its subsidiary, Fortitude Reinsurance Company Ltd. (“FRL”) and Unum Life Insurance Company of America (“Unum”), a subsidiary of Unum Group (NYSE: UNM). Upon receipt of regulatory approvals and subject to satisfaction or waiver of certain other customary closing conditions, Unum will cede to. businesswire.com - 1 month ago
Unum Group Announces $3.4 Billion Long-Term Care Reinsurance Transaction with Fortitude Re CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group (NYSE: UNM) announced today that its Unum Life Insurance Company of America subsidiary (Unum America) has agreed to enter into an agreement to cede to Fortitude Reinsurance Company Ltd. (Fortitude Re), on a coinsurance basis, individual LTC insurance policies representing 19% of Unum's total LTC block and a quota share of IDI policies reinsured from an affiliate representing 20% of Unum's total in-force IDI premium, effective January 1, 2025. At t. businesswire.com - 1 month ago
Unum Group to Present at the 46th Annual Raymond James Institutional Investor Conference CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group's (NYSE: UNM) President & CEO, Rick McKenney, along with EVP and CFO, Steve Zabel, will represent the company at the 46th Annual Raymond James Institutional Investor Conference. McKenney and Zabel are scheduled to speak at the conference at 4:35 p.m. ET on Tuesday, March 4, 2025. They will discuss the company's business strategy and future growth prospects. A live audio webcast of the presentation will be available on the Investors section of. businesswire.com - 1 month ago
Unum Group's Board of Directors Authorizes $1 Billion Share Repurchase Program CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group (NYSE: UNM) announced today that its board of directors has approved a share repurchase program authorizing the company to repurchase up to $1 billion of its common stock from time to time beginning on April 1, 2025. The board of directors also authorized the termination of the company's current share repurchase program as of March 31, 2025, with any unused amount under that program expiring as of that date. The timing and amount of share repurcha. businesswire.com - 1 month ago
Are You Looking for a Top Momentum Pick? Why Unum (UNM) is a Great Choice Does Unum (UNM) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 2 months ago
8. Profile Summary

Unum Group UNM

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COUNTRY US
INDUSTRY Insurance - Life
MARKET CAP $ 12.5 B
Dividend Yield 0.57%
Description Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other products. The company sells its products primarily to employers for the benefit of employees. Unum Group sells its products through field sales personnel, independent brokers, consultants, and independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.
Contact 1 Fountain Square, Chattanooga, TN, 37402 https://www.unum.com
IPO Date Nov. 6, 1986
Employees 10833
Officers Mr. Richard Paul McKenney President, Chief Executive Officer & Director Mr. Timothy Gerald Arnold Executive Vice President of Voluntary Benefits & President of Colonial Life Mr. Marco Forato Senior Vice President & Chief Strategy Officer Ms. Lisa Gonzalez Iglesias CPA, J.D. Executive Vice President & General Counsel Mr. Joseph Richard Foley Senior Vice President of Corporate Marketing & Public Relations Ms. Martha Davies Leiper C.F.A. Executive Vice President & Chief Investment Officer Ms. Elizabeth A. Claire Ahmed Executive Vice President of People & Communications Mr. Walter Lynn Rice Jr. Senior Vice President & Chief Accounting Officer Mr. J. Matthew Royal Senior Vice President of Investor Relations & Treasury Mr. Steven Andrew Zabel Executive Vice President & Chief Financial Officer