Unum Group (NYSE:UNM)

Unum Group UNM

Financial Services - Insurance - Life - NYSE - US

Watchlist

$ 73.19

1.32 %

$ 13.4 B

Market Cap

7.95

P/E

1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one UNM stock under the base case scenario is HIDDEN Compared to the current market price of 73.2 USD, Unum Group is HIDDEN

UNM Intrinsic Value
HIDDEN

SHOW

2. FUNDAMENTAL ANALYSIS

Price Chart UNM

FINANCIALS

Annual
Quarterly

12.4 B REVENUE

Growth Rates

1Year 3.29%

3Years -2.01%

5Years 1.32%

7Years 1.65%

10Years 1.81%

1.93 B OPERATING INCOME

Growth Rates

1Year 6.08%

3Years 37.67%

5Years 19.41%

7Years 3.54%

10Years 3.61%

1.28 B NET INCOME

Growth Rates

1Year -2.31%

3Years 17.42%

5Years 19.66%

7Years 4.69%

10Years 4.11%

1.2 B OPERATING CASH FLOW

Growth Rates

1Year -15.22%

3Years 26.27%

5Years -4.78%

7Years 1.07%

10Years 1.55%

-726 M INVESTING CASH FLOW

Growth Rates

1Year 24.06%

3Years -39.45%

5Years 4.84%

7Years -0.32%

10Years -33.66%

-450 M FINANCING CASH FLOW

Growth Rates

1Year -7.53%

3Years -27.55%

5Years 5.26%

7Years -1.04%

10Years 7.44%

3.2 B REVENUE

Growth Rates

1Year 3.29%

3Years -2.01%

5Years 1.32%

7Years 1.65%

10Years 1.81%

886 M OPERATING INCOME

Growth Rates

1Year 6.08%

3Years 37.67%

5Years 19.41%

7Years 3.54%

10Years 3.61%

646 M NET INCOME

Growth Rates

1Year -2.31%

3Years 17.42%

5Years 19.66%

7Years 4.69%

10Years 4.11%

390 M OPERATING CASH FLOW

Growth Rates

1Year -15.22%

3Years 26.27%

5Years -4.78%

7Years 1.07%

10Years 1.55%

-120 M INVESTING CASH FLOW

Growth Rates

1Year 24.06%

3Years -39.45%

5Years 4.84%

7Years -0.32%

10Years -33.66%

-240 M FINANCING CASH FLOW

Growth Rates

1Year -7.53%

3Years -27.55%

5Years 5.26%

7Years -1.04%

10Years 7.44%

Balance Sheet Decomposition Unum Group

63.3 B ASSETS
53.6 B LIABILITIES

Current Assets	971 M
Cash & Short-Term Investments	971 M
Receivables	0
Other Current Assets	0
Non-Current Assets	39 B
Long-Term Investments	38.4 B
PP&E	0
Other Non-Current Assets	532 M

Current Liabilities	0
Accounts Payable	0
Short-Term Debt	0
Other Current Liabilities	0
Non-Current Liabilities	53.6 B
Long-Term Debt	3.43 B
Other Non-Current Liabilities	50.2 B

EFFICIENCY

Earnings Waterfall Unum Group

Revenue	12.4 B
Cost Of Revenue	452 M
Gross Profit	11.9 B
Operating Expenses	12.3 B
Operating Income	1.93 B
Other Expenses	647 M
Net Income	1.28 B

RATIOS

96.35% GROSS MARGIN

Averages

1Year 96.35%

3Years 96.88%

5Years 98.13%

7Years 98.66%

10Years 98.65%

15.59% OPERATING MARGIN

Averages

1Year 15.59%

3Years 12.53%

5Years 10.58%

7Years 10.51%

10Years 10.69%

10.37% NET MARGIN

Averages

1Year 10.37%

3Years 10.09%

5Years 9.09%

7Years 8.40%

10Years 7.91%

13.30% ROE

Averages

1Year 13.30%

3Years 12.40%

5Years 11.11%

7Years 10.28%

10Years 9.71%

2.03% ROA

Averages

1Year 2.03%

3Years 1.91%

5Years 1.70%

7Years 1.55%

10Years 1.45%

11.55% ROIC

Averages

1Year 11.55%

3Years 9.15%

5Years 7.73%

7Years 7.61%

10Years 7.50%

FREE CASH FLOW ANALYSIS

Free Cash Flow Analysis Unum Group

Net Income	1.28 B
Depreciation & Amortization	109 M
Capital Expenditures	-135 M
Stock-Based Compensation	0
Change in Working Capital	-29.6 M
Others	-792 M
Free Cash Flow	1.07 B

3. WALL STREET ANALYSTS ESTIMATES

Wall Street Analysts Price Targets Unum Group

Wall Street analysts predict an average 1-year price target for UNM of $66.8 , with forecasts ranging from a low of $57 to a high of $76 .

UNM Lowest Price Target Wall Street Target

57 USD -22.12%

UNM Average Price Target Wall Street Target

66.8 USD -8.73%

UNM Highest Price Target Wall Street Target

76 USD 3.84%

4. DIVIDEND ANALYSIS

0.70% DIVIDEND YIELD

0.42 USD DIVIDEND PER SHARE

5. COMPETITION

Prudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States and internationally.

-1.61 USD

PRU

Overvalued 101.26%

MetLife, Inc., a financial services company, provides insurance, annuities, employee benefits, and asset management services worldwide. It operates through five segments: U.S.; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings.

202 USD

MET

Undervalued 142.56%

Jackson Financial Inc., through its subsidiaries, primarily provides a suite of annuities to retail investors in the United States. The company operates through three segments: Retail Annuities, Institutional Products, and Closed Life and Annuity Blocks.

0 USD

JXN

Overvalued 100.00%

Manulife Financial Corporation, together with its subsidiaries, provides financial products and services in Asia, Canada, the United States, and internationally. The company operates through Wealth and Asset Management Businesses; Insurance and Annuity Products; And Corporate and Other segments.

60.2 USD

MFC

Undervalued 84.20%

Lincoln National Corporation, through its subsidiaries, operates multiple insurance and retirement businesses in the United States. It operates through four segments: Annuities, Retirement Plan Services, Life Insurance, and Group Protection.

-27.3 USD

LNC

Overvalued 177.13%

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan.

80.5 USD

AFL

Overvalued 27.73%

Brighthouse Financial, Inc. provides annuity and life insurance products in the United States. It operates through three segments: Annuities, Life, and Run-off.

83.5 USD

BHF

Undervalued 63.73%

Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products, and annuities to lower middle to middle income households in the United States.

314 USD

Undervalued 187.33%

F&G Annuities & Life, Inc. provides fixed annuities and life insurance products. It serves retail annuity and life customers, as well as institutional clients.

Prudential plc, through its subsidiaries, provides life and health insurance, and retirement and asset management solutions to individuals in Asia, and Africa.

-3.06 USD

PUK

Overvalued 118.98%

6. Ownership

Insider Ownership Unum Group

Summary
Transactions

Sold

0-3 MONTHS

5.92 M USD 6

3-6 MONTHS

664 K USD 2

6-9 MONTHS

4.68 M USD 6

9-12 MONTHS

347 K USD 1

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

Date	Value	Insider	Amount	Avg Price
3 days ago Nov 14, 2024	Sell 1.03 M USD	O HANLEY RONALD P Director	- 14299.438	72.1024 USD
1 week ago Nov 08, 2024	Sell 506 K USD	Zabel Steven Andrew EVP, Chief Financial Officer	- 7300	69.32 USD
1 week ago Nov 07, 2024	Sell 104 K USD	Rice Walter Lynn JR SVP, Chief Accounting Officer	- 1500	69.5638 USD
1 week ago Nov 06, 2024	Sell 228 K USD	Pyne Christopher W EVP, Group Benefits	- 3250	70.0203 USD
2 weeks ago Oct 31, 2024	Sell 321 K USD	Ahmed Elizabeth Claire EVP, People & Communications	- 5000	64.16 USD
2 months ago Sep 05, 2024	Sell 3.73 M USD	McKenney Richard P President and CEO	- 67795	54.9776 USD
3 months ago Aug 15, 2024	Sell 123 K USD	Pyne Christopher W EVP, Group Benefits	- 2250	54.67 USD
3 months ago Aug 14, 2024	Sell 541 K USD	Arnold Timothy Gerald EVP, VB & President, Colonial	- 10000	54.1118 USD
6 months ago May 07, 2024	Sell 421 K USD	Keaney Timothy F Director	- 8000	52.61 USD
6 months ago May 07, 2024	Sell 236 K USD	Pyne Christopher W EVP, Group Benefits	- 4500	52.4703 USD
8 months ago Mar 13, 2024	Sell 511 K USD	Zabel Steven Andrew EVP, Chief Financial Officer	- 10000	51.06 USD
8 months ago Mar 01, 2024	Sell 2.46 M USD	McKenney Richard P President and CEO	- 50000	49.1515 USD
8 months ago Mar 05, 2024	Sell 800 K USD	IGLESIAS LISA G EVP, General Counsel	- 16000	50.004 USD
8 months ago Feb 23, 2024	Sell 250 K USD	Ahmed Elizabeth Claire EVP, People & Communications	- 5000	50 USD
11 months ago Nov 29, 2023	Sell 347 K USD	Bhasin Puneet EVP, Chief Info & Digital Off.	- 8188	42.393 USD
1 year ago Aug 15, 2023	Sell 184 K USD	Pyne Christopher W EVP, Group Benefits	- 3750	49.025 USD
1 year ago Aug 03, 2023	Sell 1 M USD	Arnold Timothy Gerald EVP, VB & President, Colonial	- 20000	50 USD
1 year ago Jun 02, 2023	Sell 450 K USD	Arnold Timothy Gerald EVP, VB & President, Colonial	- 10000	45 USD
1 year ago May 31, 2023	Sell 222 K USD	Arnold Timothy Gerald EVP, VB & President, Colonial	- 5000	44.49 USD
1 year ago May 22, 2023	Sell 679 K USD	Bhasin Puneet EVP, Chief Info & Digital Off.	- 14609	46.4686 USD
1 year ago May 08, 2023	Sell 125 K USD	Rice Walter Lynn JR SVP, Chief Accounting Officer	- 2800	44.71 USD
1 year ago May 08, 2023	Sell 250 K USD	Pyne Christopher W EVP, Group Benefits	- 5579	44.82 USD
1 year ago May 05, 2023	Sell 787 K USD	Simonds Michael Q EVP, Chief Operating Officer	- 18000	43.72 USD
1 year ago Mar 14, 2023	Bought 130 K USD	LARSON GLORIA C Director	+ 3270	39.78 USD
1 year ago Mar 02, 2023	Sell 674 K USD	IGLESIAS LISA G EVP, General Counsel	- 14972	45.0177 USD
1 year ago Mar 03, 2023	Sell 454 K USD	IGLESIAS LISA G EVP, General Counsel	- 10028	45.2772 USD
2 years ago Nov 18, 2022	Sell 440 K USD	Bhasin Puneet EVP, Chief Info & Digital Off.	- 10725	41.03 USD
2 years ago Nov 04, 2022	Sell 243 K USD	Pyne Christopher W EVP, Group Benefits	- 5400	45.017 USD
2 years ago Aug 25, 2022	Sell 1.61 M USD	McKenney Richard P President and CEO	- 40000	40.1348 USD
2 years ago Aug 25, 2022	Sell 800 K USD	IGLESIAS LISA G EVP, General Counsel	- 20000	40 USD
2 years ago May 11, 2022	Sell 251 K USD	Pyne Christopher W EVP, Group Benefits	- 7149	35.1329 USD
2 years ago May 10, 2022	Sell 1.29 M USD	McKenney Richard P President and CEO	- 35271	36.49 USD
2 years ago May 09, 2022	Sell 251 K USD	Pashley Cherie SVP, Chief Accounting Officer	- 7033	35.6811 USD
2 years ago Apr 18, 2022	Sell 976 K USD	IGLESIAS LISA G EVP, General Counsel	- 30000	32.55 USD
2 years ago Mar 22, 2022	Sell 600 K USD	Simonds Michael Q EVP, Chief Operating Officer	- 20000	30 USD
3 years ago Nov 08, 2021	Bought 132 K USD	Shammo Francis Director	+ 5000	26.317 USD
3 years ago Sep 02, 2021	Sell 530 K USD	IGLESIAS LISA G EVP, General Counsel	- 20000	26.5 USD
3 years ago May 14, 2021	Sell 75.6 K USD	Pyne Christopher W EVP, Group Benefits	- 2500	30.24 USD
3 years ago May 14, 2021	Sell 1.07 M USD	McKenney Richard P President and CEO	- 35000	30.4625 USD
3 years ago Mar 05, 2021	Sell 137 K USD	Pashley Cherie SVP, Chief Accounting Officer	- 5000	27.36 USD
3 years ago Mar 05, 2021	Sell 200 K USD	Arnold Timothy Gerald EVP, VB & President, Colonial	- 7000	28.531 USD
3 years ago Feb 25, 2021	Sell 506 K USD	Keaney Timothy F Director	- 18040	28.03 USD
3 years ago Feb 24, 2021	Sell 27.8 K USD	Pashley Cherie SVP, Chief Accounting Officer	- 1000	27.806 USD
3 years ago Feb 16, 2021	Sell 673 K USD	Simonds Michael Q EVP, Chief Operating Officer	- 27000	24.92 USD
4 years ago Sep 04, 2020	Sell 49.4 K USD	Pyne Christopher W EVP, Group Benefits	- 2550	19.3911 USD
5 years ago May 28, 2019	Sell 53.7 K USD	LARSON GLORIA C Director	- 1602	33.547 USD
6 years ago Jul 31, 2018	Sell 305 K USD	Farrell Breege A EVP, Chief Investment Officer	- 7500	40.6584 USD
6 years ago Apr 30, 2018	Sell 245 K USD	Simonds Michael Q EVP, President & CEO, Unum US	- 5000	48.94 USD
6 years ago Mar 01, 2018	Sell 397 K USD	Jerome Christopher J EVP, Global Services	- 7806	50.9 USD
6 years ago Feb 26, 2018	Sell 75.1 K USD	Waxenberg Daniel Jason SVP, Chief Accounting Officer	- 1435	52.358 USD
6 years ago Feb 05, 2018	Sell 260 K USD	Simonds Michael Q EVP, President & CEO, Unum US	- 5000	52.09 USD
6 years ago Jan 16, 2018	Sell 267 K USD	McGarry John F EVP and CFO	- 4588	58.19 USD

7. News

Unum Group: Revisiting Quant's Strong-Buy Insurer Unum's core segments continue to deliver stable earnings and cash flow, backed by high customer retention, particularly in group life and disability policies. The company offers an attractive share buyback program with a recent double-digit dividend increase. Trading just above book value, Unum has room for further valuation expansion, especially given its projected 7% EPS CAGR through 2026. seekingalpha.com - 2 weeks ago

Unum Group (UNM) Q3 2024 Earnings Call Transcript Unum Group (NYSE:UNM ) Q3 2024 Earnings Conference Call October 30, 2024 8:00 AM ET Company Participants Matt Royal - SVP, Head of IR and Treasury Rick McKenney - President and CEO Steve Zabel - CFO Chris Pyne - EVP, Group Benefits Tim Arnold - EVP, Voluntary Benefits & President-Colonial Life Mark Till - CEO, Unum International Conference Call Participants Alex Scott - Barclays Wes Carmichael - Autonomous Research Tom Gallagher - Evercore ISI Ryan Krueger - KBW Joel Hurwitz - Dowling & Partners Suneet Kamath - Jeffries John Barnidge - Piper Sandler Mark Hughes - Truist Securities Jimmy Bhullar - JPMorgan Operator Good morning. My name is Mark and I will be your conference operator today. seekingalpha.com - 2 weeks ago

Here's Why Unum (UNM) is a Strong Momentum Stock The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage. zacks.com - 2 weeks ago

Unum Group Q3 Earnings Top Estimates, Revenues & Premium Rise Y/Y UNM's Q3 results reflect continued strong operating performance, favorable benefit experience, premium growth, increased sales in the Unum U.K. and lower expenses. zacks.com - 2 weeks ago

Unum (UNM) Reports Q3 Earnings: What Key Metrics Have to Say Although the revenue and EPS for Unum (UNM) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 weeks ago

Unum (UNM) Beats Q3 Earnings Estimates Unum (UNM) came out with quarterly earnings of $2.13 per share, beating the Zacks Consensus Estimate of $2.09 per share. This compares to earnings of $1.94 per share a year ago. zacks.com - 2 weeks ago

Unum Group Reports Third Quarter 2024 Results CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group (NYSE: UNM) today reported net income of $645.7 million ($3.46 per diluted common share) for the third quarter of 2024, compared to net income of $202.0 million ($1.02 per diluted common share) for the third quarter of 2023. Included in net income for the third quarter of 2024 are the after-tax amortization of the cost of reinsurance of $8.2 million ($0.04 per diluted common share), the after-tax impact of non-contemporaneous reinsurance of $4.8 m. businesswire.com - 2 weeks ago

Why Unum (UNM) is Poised to Beat Earnings Estimates Again Unum (UNM) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report. zacks.com - 3 weeks ago

Is a Beat in the Cards for Unum Group This Earnings Season? UNM's Q3 results are likely to reflect solid persistency, higher level of invested assets, favorable benefit experience and higher sales across business segments. zacks.com - 3 weeks ago

Unum (UNM) Earnings Expected to Grow: What to Know Ahead of Next Week's Release Unum (UNM) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 3 weeks ago

Why Unum (UNM) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Unum (UNM) have what it takes? zacks.com - 1 month ago

Why Unum (UNM) is a Top Momentum Stock for the Long-Term Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores. zacks.com - 1 month ago

8. Profile Summary

Unum Group UNM

COUNTRY US

INDUSTRY Insurance - Life

MARKET CAP $ 13.4 B

Dividend Yield 0.70%

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 10553

Officers Mr. Walter Lynn Rice Jr. Senior Vice President & Chief Accounting Officer Ms. Lisa Gonzalez Iglesias CPA, J.D. Executive Vice President & General Counsel Mr. J. Matthew Royal Senior Vice President of Investor Relations & Treasury 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. Marco Forato Senior Vice President & Chief Strategy Officer Mr. Richard Paul McKenney President, Chief Executive Officer & Director Mr. Joseph Richard Foley Senior Vice President of Corporate Marketing & Public Relations Mr. Timothy Gerald Arnold Executive Vice President of Voluntary Benefits & President of Colonial Life Mr. Steven Andrew Zabel Executive Vice President & Chief Financial Officer

Price Chart UNM

Unum Group UNM

Premium Plan

Unlimited Plan