UNUM GROUP (UNM) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UNM - US91529Y1064 - Common Stock
76.09 USD
-1.3 (-1.68%)
76.09 USD
0 (0%)
Taking everything into account, UNM scores 4 out of 10 in our fundamental rating. UNM was compared to 148 industry peers in the Insurance industry. There are concerns on the financial health of UNM while its profitability can be described as average. UNM has a correct valuation and a medium growth rate. Finally UNM also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year UNM was profitable.
- UNM had a positive operating cash flow in the past year.
- In the past 5 years UNM has always been profitable.
- UNM had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of UNM (1.43%) is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 8.37%, UNM is doing worse than 61.07% of the companies in the same industry.
- UNM has a Return On Invested Capital of 1.70%. This is comparable to the rest of the industry: UNM outperforms 42.95% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for UNM is significantly below the industry average of 15.11%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.43% | ||
| ROE | 8.37% | ||
| ROIC | 1.7% |
ROA(3y)2.4%
ROA(5y)1.94%
ROE(3y)15.21%
ROE(5y)12.31%
ROIC(3y)2.64%
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of UNM (6.99%) is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of UNM has grown nicely.
- UNM's Operating Margin of 10.48% is in line compared to the rest of the industry. UNM outperforms 40.94% of its industry peers.
- UNM's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.48% | ||
| PM (TTM) | 6.99% | ||
| GM | N/A |
OM growth 3Y14.4%
OM growth 5Y7.24%
PM growth 3Y19.13%
PM growth 5Y8.58%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- UNM has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for UNM has been reduced compared to 1 year ago.
- The number of shares outstanding for UNM has been reduced compared to 5 years ago.
- UNM has a worse debt/assets ratio than last year.
2.2 Solvency
- UNM has a debt to FCF ratio of 5.44. This is a neutral value as UNM would need 5.44 years to pay back of all of its debts.
- UNM's Debt to FCF ratio of 5.44 is on the low side compared to the rest of the industry. UNM is outperformed by 63.76% of its industry peers.
- A Debt/Equity ratio of 0.32 indicates that UNM is not too dependend on debt financing.
- UNM has a Debt to Equity ratio of 0.32. This is comparable to the rest of the industry: UNM outperforms 50.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.22
WACC7.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- UNM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.37%.
- Measured over the past years, UNM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.18% on average per year.
- The Revenue has been growing slightly by 2.13% in the past year.
- The Revenue has been growing slightly by 1.40% on average over the past years.
EPS 1Y (TTM)0.37%
EPS 3Y24.82%
EPS 5Y9.18%
EPS Q2Q%-1.88%
Revenue 1Y (TTM)2.13%
Revenue growth 3Y2.37%
Revenue growth 5Y1.4%
Sales Q2Q%5.02%
3.2 Future
- UNM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.87% yearly.
- The Revenue is expected to grow by 3.77% on average over the next years.
EPS Next Y-0.27%
EPS Next 2Y4.77%
EPS Next 3Y6.89%
EPS Next 5Y6.87%
Revenue Next Year1.89%
Revenue Next 2Y2.54%
Revenue Next 3Y3.19%
Revenue Next 5Y3.77%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 9.25, which indicates a very decent valuation of UNM.
- Based on the Price/Earnings ratio, UNM is valued a bit cheaper than 67.11% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, UNM is valued rather cheaply.
- The Price/Forward Earnings ratio is 8.21, which indicates a very decent valuation of UNM.
- UNM's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UNM is cheaper than 67.79% of the companies in the same industry.
- UNM is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.25 | ||
| Fwd PE | 8.21 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as UNM.
- UNM's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.48 | ||
| EV/EBITDA | 10.86 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.01
EPS Next 2Y4.77%
EPS Next 3Y6.89%
5. Dividend
5.1 Amount
- UNM has a Yearly Dividend Yield of 2.38%. Purely for dividend investing, there may be better candidates out there.
- UNM's Dividend Yield is a higher than the industry average which is at 2.53.
- Compared to an average S&P500 Dividend Yield of 1.87, UNM pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
5.2 History
- The dividend of UNM is nicely growing with an annual growth rate of 7.77%!
- UNM has paid a dividend for at least 10 years, which is a reliable track record.
- UNM has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.77%
Div Incr Years16
Div Non Decr Years20
5.3 Sustainability
- 33.52% of the earnings are spent on dividend by UNM. This is a low number and sustainable payout ratio.
- UNM's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.52%
EPS Next 2Y4.77%
EPS Next 3Y6.89%
76.09
-1.3 (-1.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-03 2025-11-03/amc
Earnings (Next)02-05 2026-02-05/amc
Inst Owners90.64%
Inst Owner Change-0.16%
Ins Owners0.86%
Ins Owner Change-2.36%
Market Cap12.73B
Revenue(TTM)13.07B
Net Income(TTM)913.10M
Analysts78.82
Price Target96.27 (26.52%)
Short Float %1.62%
Short Ratio1.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
Yearly Dividend1.59
Dividend Growth(5Y)7.77%
DP33.52%
Div Incr Years16
Div Non Decr Years20
Ex-Date01-30 2026-01-30 (0.46)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.43%
Min EPS beat(2)-7.26%
Max EPS beat(2)-3.6%
EPS beat(4)0
Avg EPS beat(4)-6.15%
Min EPS beat(4)-7.7%
Max EPS beat(4)-3.6%
EPS beat(8)3
Avg EPS beat(8)-2.09%
EPS beat(12)6
Avg EPS beat(12)0.11%
EPS beat(16)10
Avg EPS beat(16)8.56%
Revenue beat(2)1
Avg Revenue beat(2)0.16%
Min Revenue beat(2)-0.37%
Max Revenue beat(2)0.7%
Revenue beat(4)1
Avg Revenue beat(4)-2.64%
Min Revenue beat(4)-8.42%
Max Revenue beat(4)0.7%
Revenue beat(8)1
Avg Revenue beat(8)-1.99%
Revenue beat(12)1
Avg Revenue beat(12)-1.65%
Revenue beat(16)2
Avg Revenue beat(16)-1.52%
PT rev (1m)0.87%
PT rev (3m)1.66%
EPS NQ rev (1m)0.32%
EPS NQ rev (3m)-4.38%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.96%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-1.54%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.25 | ||
| Fwd PE | 8.21 | ||
| P/S | 0.97 | ||
| P/FCF | 18.48 | ||
| P/OCF | 15.61 | ||
| P/B | 1.17 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | 10.86 |
EPS(TTM)8.23
EY10.82%
EPS(NY)9.26
Fwd EY12.18%
FCF(TTM)4.12
FCFY5.41%
OCF(TTM)4.87
OCFY6.41%
SpS78.1
BVpS65.19
TBVpS63.08
PEG (NY)N/A
PEG (5Y)1.01
Graham Number109.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.43% | ||
| ROE | 8.37% | ||
| ROCE | 2.16% | ||
| ROIC | 1.7% | ||
| ROICexc | 1.71% | ||
| ROICexgc | 2.25% | ||
| OM | 10.48% | ||
| PM (TTM) | 6.99% | ||
| GM | N/A | ||
| FCFM | 5.27% |
ROA(3y)2.4%
ROA(5y)1.94%
ROE(3y)15.21%
ROE(5y)12.31%
ROIC(3y)2.64%
ROIC(5y)N/A
ROICexc(3y)2.65%
ROICexc(5y)N/A
ROICexgc(3y)3.26%
ROICexgc(5y)N/A
ROCE(3y)3.36%
ROCE(5y)N/A
ROICexgc growth 3Y21.47%
ROICexgc growth 5Y12.4%
ROICexc growth 3Y22.34%
ROICexc growth 5Y10.45%
OM growth 3Y14.4%
OM growth 5Y7.24%
PM growth 3Y19.13%
PM growth 5Y8.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 5.44 | ||
| Debt/EBITDA | 2.33 | ||
| Cap/Depr | 107.2% | ||
| Cap/Sales | 0.97% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 54.84% | ||
| Profit Quality | 75.47% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.85%
ROIC/WACC0.22
Cap/Depr(3y)108.22%
Cap/Depr(5y)104.31%
Cap/Sales(3y)0.97%
Cap/Sales(5y)0.95%
Profit Quality(3y)84.91%
Profit Quality(5y)89.05%
High Growth Momentum
Growth
EPS 1Y (TTM)0.37%
EPS 3Y24.82%
EPS 5Y9.18%
EPS Q2Q%-1.88%
EPS Next Y-0.27%
EPS Next 2Y4.77%
EPS Next 3Y6.89%
EPS Next 5Y6.87%
Revenue 1Y (TTM)2.13%
Revenue growth 3Y2.37%
Revenue growth 5Y1.4%
Sales Q2Q%5.02%
Revenue Next Year1.89%
Revenue Next 2Y2.54%
Revenue Next 3Y3.19%
Revenue Next 5Y3.77%
EBIT growth 1Y-43.7%
EBIT growth 3Y17.11%
EBIT growth 5Y8.74%
EBIT Next Year-0.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-37.11%
FCF growth 3Y2.8%
FCF growth 5Y-2.7%
OCF growth 1Y-32.94%
OCF growth 3Y2.93%
OCF growth 5Y-2.77%
UNUM GROUP / UNM FAQ
Can you provide the ChartMill fundamental rating for UNUM GROUP?
ChartMill assigns a fundamental rating of 4 / 10 to UNM.
What is the valuation status of UNUM GROUP (UNM) stock?
ChartMill assigns a valuation rating of 4 / 10 to UNUM GROUP (UNM). This can be considered as Fairly Valued.
How profitable is UNUM GROUP (UNM) stock?
UNUM GROUP (UNM) has a profitability rating of 4 / 10.
What is the valuation of UNUM GROUP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for UNUM GROUP (UNM) is 9.25 and the Price/Book (PB) ratio is 1.17.
How sustainable is the dividend of UNUM GROUP (UNM) stock?
The dividend rating of UNUM GROUP (UNM) is 7 / 10 and the dividend payout ratio is 33.52%.