UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) Stock Fundamental Analysis
NYSE:UNMA - New York Stock Exchange, Inc. - US91529Y6014 - Currency: USD
UNMA gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 142 industry peers in the Insurance industry. UNMA has a medium profitability rating, but doesn't score so well on its financial health evaluation. UNMA may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
UNMA had positive earnings in the past year.
UNMA had a positive operating cash flow in the past year.
UNMA had positive earnings in each of the past 5 years.
Each year in the past 5 years UNMA had a positive operating cash flow.
1.2 Ratios
UNMA has a Return On Assets of 2.52%. This is comparable to the rest of the industry: UNMA outperforms 58.45% of its industry peers.
Looking at the Return On Equity, with a value of 14.03%, UNMA is in the better half of the industry, outperforming 70.42% of the companies in the same industry.
With a decent Return On Invested Capital value of 2.80%, UNMA is doing good in the industry, outperforming 61.97% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for UNMA is in line with the industry average of 4.07%.
The 3 year average ROIC (2.64%) for UNMA is below the current ROIC(2.80%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.52% | ||
| ROE | 14.03% | ||
| ROIC | 2.8% |
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 UNMA (12.31%) is better than 74.65% of its industry peers.
In the last couple of years the Profit Margin of UNMA has grown nicely.
UNMA's Operating Margin of 17.24% is fine compared to the rest of the industry. UNMA outperforms 74.65% of its industry peers.
In the last couple of years the Operating Margin of UNMA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.24% | ||
| PM (TTM) | 12.31% | ||
| 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
UNMA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, UNMA has less shares outstanding
UNMA has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, UNMA has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of UNMA is 2.61, which is a good value as it means it would take UNMA, 2.61 years of fcf income to pay off all of its debts.
UNMA has a Debt to FCF ratio (2.61) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.31 indicates that UNMA is not too dependend on debt financing.
UNMA has a Debt to Equity ratio of 0.31. This is comparable to the rest of the industry: UNMA outperforms 56.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 2.61 | ||
| Altman-Z | N/A |
ROIC/WACC0.3
WACC9.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 5.69% over the past year.
UNMA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.18% yearly.
UNMA shows a small growth in Revenue. In the last year, the Revenue has grown by 1.82%.
Measured over the past years, UNMA shows a small growth in Revenue. The Revenue has been growing by 1.40% on average per year.
EPS 1Y (TTM)5.69%
EPS 3Y24.82%
EPS 5Y9.18%
EPS Q2Q%-3.77%
Revenue 1Y (TTM)1.82%
Revenue growth 3Y2.37%
Revenue growth 5Y1.4%
Sales Q2Q%-3.43%
3.2 Future
Based on estimates for the next years, UNMA will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.47% on average per year.
The Revenue is expected to grow by 4.41% on average over the next years.
EPS Next Y6.76%
EPS Next 2Y8.31%
EPS Next 3Y8.91%
EPS Next 5Y9.47%
Revenue Next Year2.79%
Revenue Next 2Y3.37%
Revenue Next 3Y3.71%
Revenue Next 5Y4.41%
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 stable.
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
UNMA is valuated cheaply with a Price/Earnings ratio of 2.88.
Based on the Price/Earnings ratio, UNMA is valued cheaper than 83.10% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.52, UNMA is valued rather cheaply.
With a Price/Forward Earnings ratio of 2.44, the valuation of UNMA can be described as very cheap.
85.92% of the companies in the same industry are more expensive than UNMA, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of UNMA to the average of the S&P500 Index (22.25), we can say UNMA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.88 | ||
| Fwd PE | 2.44 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UNMA indicates a rather cheap valuation: UNMA is cheaper than 86.62% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, UNMA is valued cheaply inside the industry as 83.80% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.93 | ||
| EV/EBITDA | 3.34 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of UNMA may justify a higher PE ratio.
PEG (NY)0.43
PEG (5Y)0.31
EPS Next 2Y8.31%
EPS Next 3Y8.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.06%, UNMA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.09, UNMA has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, UNMA has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.06% |
5.2 History
On average, the dividend of UNMA grows each year by 7.77%, which is quite nice.
UNMA has been paying a dividend for over 5 years, so it has already some track record.
UNMA has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)7.77%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
UNMA pays out 19.14% of its income as dividend. This is a sustainable payout ratio.
The dividend of UNMA is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.14%
EPS Next 2Y8.31%
EPS Next 3Y8.91%
UNUM GROUP - UNM 6 1/4 06/15/58
NYSE:UNMA (6/6/2025, 8:04:00 PM)
24.1124
-0.15 (-0.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners90.07%
Inst Owner ChangeN/A
Ins Owners0.94%
Ins Owner ChangeN/A
Market Cap4.20B
Analysts78.89
Price Target29.56 (22.59%)
Short Float %0.01%
Short Ratio1.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.06% |
Yearly Dividend1.59
Dividend Growth(5Y)7.77%
DP19.14%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.87%
Min EPS beat(2)-7.7%
Max EPS beat(2)-6.03%
EPS beat(4)2
Avg EPS beat(4)-1.84%
Min EPS beat(4)-7.7%
Max EPS beat(4)6.07%
EPS beat(8)5
Avg EPS beat(8)0.51%
EPS beat(12)8
Avg EPS beat(12)6.09%
EPS beat(16)11
Avg EPS beat(16)9.91%
Revenue beat(2)0
Avg Revenue beat(2)-5.44%
Min Revenue beat(2)-8.42%
Max Revenue beat(2)-2.45%
Revenue beat(4)0
Avg Revenue beat(4)-3.54%
Min Revenue beat(4)-8.42%
Max Revenue beat(4)-1%
Revenue beat(8)0
Avg Revenue beat(8)-2.22%
Revenue beat(12)1
Avg Revenue beat(12)-1.79%
Revenue beat(16)2
Avg Revenue beat(16)-1.55%
PT rev (1m)-1.94%
PT rev (3m)7.93%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)-1.43%
EPS NY rev (1m)-1.09%
EPS NY rev (3m)-2.75%
Revenue NQ rev (1m)0.15%
Revenue NQ rev (3m)-0.35%
Revenue NY rev (1m)-0.6%
Revenue NY rev (3m)-1.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.88 | ||
| Fwd PE | 2.44 | ||
| P/S | 0.33 | ||
| P/FCF | 2.93 | ||
| P/OCF | 2.68 | ||
| P/B | 0.37 | ||
| P/tB | 0.39 | ||
| EV/EBITDA | 3.34 |
EPS(TTM)8.36
EY34.67%
EPS(NY)9.9
Fwd EY41.06%
FCF(TTM)8.23
FCFY34.14%
OCF(TTM)9
OCFY37.31%
SpS73.29
BVpS64.32
TBVpS62.3
PEG (NY)0.43
PEG (5Y)0.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.52% | ||
| ROE | 14.03% | ||
| ROCE | 3.56% | ||
| ROIC | 2.8% | ||
| ROICexc | 2.81% | ||
| ROICexgc | 3.4% | ||
| OM | 17.24% | ||
| PM (TTM) | 12.31% | ||
| GM | N/A | ||
| FCFM | 11.23% |
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
ROICexcg growth 3Y21.47%
ROICexcg 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-Score7
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 2.61 | ||
| Debt/EBITDA | 1.5 | ||
| Cap/Depr | 114.83% | ||
| Cap/Sales | 1.04% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 67.64% | ||
| Profit Quality | 91.25% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC9.21%
ROIC/WACC0.3
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)5.69%
EPS 3Y24.82%
EPS 5Y9.18%
EPS Q2Q%-3.77%
EPS Next Y6.76%
EPS Next 2Y8.31%
EPS Next 3Y8.91%
EPS Next 5Y9.47%
Revenue 1Y (TTM)1.82%
Revenue growth 3Y2.37%
Revenue growth 5Y1.4%
Sales Q2Q%-3.43%
Revenue Next Year2.79%
Revenue Next 2Y3.37%
Revenue Next 3Y3.71%
Revenue Next 5Y4.41%
EBIT growth 1Y17.13%
EBIT growth 3Y17.11%
EBIT growth 5Y8.74%
EBIT Next Year-0.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y26.57%
FCF growth 3Y2.8%
FCF growth 5Y-2.7%
OCF growth 1Y26.14%
OCF growth 3Y2.93%
OCF growth 5Y-2.77%