UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:UNMA • US91529Y6014

23.42 USD
0 (0%)
Last: Feb 4, 2026, 09:30 AM
Fundamental Rating

4

UNMA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. There are concerns on the financial health of UNMA while its profitability can be described as average. UNMA is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year UNMA was profitable.
  • UNMA had a positive operating cash flow in the past year.
  • UNMA had positive earnings in each of the past 5 years.
  • UNMA had a positive operating cash flow in each of the past 5 years.
UNMA Yearly Net Income VS EBIT VS OCF VS FCFUNMA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

1.2 Ratios

  • UNMA has a Return On Assets of 1.43%. This is comparable to the rest of the industry: UNMA outperforms 43.54% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.37%, UNMA is doing worse than 60.54% of the companies in the same industry.
  • UNMA has a Return On Invested Capital of 1.70%. This is comparable to the rest of the industry: UNMA outperforms 43.54% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for UNMA is significantly below the industry average of 14.94%.
Industry RankSector 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
UNMA Yearly ROA, ROE, ROICUNMA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • The Profit Margin of UNMA (6.99%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of UNMA has grown nicely.
  • UNMA's Operating Margin of 10.48% is in line compared to the rest of the industry. UNMA outperforms 41.50% of its industry peers.
  • In the last couple of years the Operating Margin of UNMA has grown nicely.
Industry RankSector 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
UNMA Yearly Profit, Operating, Gross MarginsUNMA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UNMA is destroying value.
  • The number of shares outstanding for UNMA has been reduced compared to 1 year ago.
  • The number of shares outstanding for UNMA has been reduced compared to 5 years ago.
  • Compared to 1 year ago, UNMA has a worse debt to assets ratio.
UNMA Yearly Shares OutstandingUNMA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
UNMA Yearly Total Debt VS Total AssetsUNMA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

  • UNMA has a debt to FCF ratio of 5.44. This is a neutral value as UNMA would need 5.44 years to pay back of all of its debts.
  • UNMA's Debt to FCF ratio of 5.44 is on the low side compared to the rest of the industry. UNMA is outperformed by 63.95% of its industry peers.
  • UNMA has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
  • UNMA's Debt to Equity ratio of 0.32 is in line compared to the rest of the industry. UNMA outperforms 50.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 5.44
Altman-Z N/A
ROIC/WACC0.25
WACC6.76%
UNMA Yearly LT Debt VS Equity VS FCFUNMA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UNMA Yearly Current Assets VS Current LiabilitesUNMA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2021 2022 2023 2024 200M 400M 600M

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4

3. Growth

3.1 Past

  • UNMA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.37%.
  • Measured over the past years, UNMA 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.
  • 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)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

  • The Earnings Per Share is expected to grow by 6.87% on average over the next years.
  • UNMA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.77% yearly.
EPS Next Y-0.48%
EPS Next 2Y4.71%
EPS Next 3Y6.87%
EPS Next 5Y6.87%
Revenue Next Year1.89%
Revenue Next 2Y2.54%
Revenue Next 3Y3.19%
Revenue Next 5Y3.77%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
UNMA Yearly Revenue VS EstimatesUNMA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
UNMA Yearly EPS VS EstimatesUNMA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 2.85, the valuation of UNMA can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of UNMA indicates a rather cheap valuation: UNMA is cheaper than 86.39% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of UNMA to the average of the S&P500 Index (28.18), we can say UNMA is valued rather cheaply.
  • A Price/Forward Earnings ratio of 2.53 indicates a rather cheap valuation of UNMA.
  • 87.76% of the companies in the same industry are more expensive than UNMA, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 25.51. UNMA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.85
Fwd PE 2.53
UNMA Price Earnings VS Forward Price EarningsUNMA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UNMA indicates a somewhat cheap valuation: UNMA is cheaper than 77.55% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, UNMA is valued a bit cheaper than 66.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.69
EV/EBITDA 4.93
UNMA Per share dataUNMA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.31
EPS Next 2Y4.71%
EPS Next 3Y6.87%

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5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.41%, UNMA has a reasonable but not impressive dividend return.
  • UNMA's Dividend Yield is a higher than the industry average which is at 2.19.
  • Compared to an average S&P500 Dividend Yield of 1.83, UNMA pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.41%

5.2 History

  • The dividend of UNMA is nicely growing with an annual growth rate of 7.77%!
  • 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
UNMA Yearly Dividends per shareUNMA Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 33.52% of the earnings are spent on dividend by UNMA. This is a low number and sustainable payout ratio.
  • UNMA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.52%
EPS Next 2Y4.71%
EPS Next 3Y6.87%
UNMA Yearly Income VS Free CF VS DividendUNMA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
UNMA Dividend Payout.UNMA Dividend Payout, showing the Payout Ratio.UNMA Dividend Payout.PayoutRetained Earnings

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UNUM GROUP - UNM 6 1/4 06/15/58

NYSE:UNMA (2/4/2026, 9:30:01 AM)

23.42

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-03
Earnings (Next)02-05
Inst Owners90.64%
Inst Owner ChangeN/A
Ins Owners0.86%
Ins Owner ChangeN/A
Market Cap3.92B
Revenue(TTM)13.07B
Net Income(TTM)913.10M
Analysts78.82
Price Target28.07 (19.85%)
Short Float %0.01%
Short Ratio0.41
Dividend
Industry RankSector Rank
Dividend Yield 2.41%
Yearly Dividend1.59
Dividend Growth(5Y)7.77%
DP33.52%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-27
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)0.13%
PT rev (3m)-8.85%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)-4.29%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-1.86%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-1.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.35%
Valuation
Industry RankSector Rank
PE 2.85
Fwd PE 2.53
P/S 0.3
P/FCF 5.69
P/OCF 4.8
P/B 0.36
P/tB 0.37
EV/EBITDA 4.93
EPS(TTM)8.23
EY35.14%
EPS(NY)9.25
Fwd EY39.51%
FCF(TTM)4.12
FCFY17.58%
OCF(TTM)4.87
OCFY20.81%
SpS78.1
BVpS65.19
TBVpS63.08
PEG (NY)N/A
PEG (5Y)0.31
Graham Number109.87
Profitability
Industry RankSector 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 RankSector 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
WACC6.76%
ROIC/WACC0.25
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-0.48%
EPS Next 2Y4.71%
EPS Next 3Y6.87%
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 6 1/4 06/15/58 / UNMA FAQ

What is the ChartMill fundamental rating of UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) stock?

ChartMill assigns a fundamental rating of 4 / 10 to UNMA.


What is the valuation status of UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) stock?

ChartMill assigns a valuation rating of 6 / 10 to UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA). This can be considered as Fairly Valued.


What is the profitability of UNMA stock?

UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) has a profitability rating of 4 / 10.


Can you provide the financial health for UNMA stock?

The financial health rating of UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) is 2 / 10.


Is the dividend of UNUM GROUP - UNM 6 1/4 06/15/58 sustainable?

The dividend rating of UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) is 5 / 10 and the dividend payout ratio is 33.52%.