UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) Stock Fundamental Analysis
USA - NYSE:UNMA - US91529Y6014
24.47 USD
+0.11 (+0.45%)
Taking everything into account, UNMA scores 5 out of 10 in our fundamental rating. UNMA was compared to 146 industry peers in the Insurance industry. There are concerns on the financial health of UNMA while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on UNMA.
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.
In the past 5 years UNMA has always been profitable.
UNMA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
UNMA has a Return On Assets (2.42%) which is comparable to the rest of the industry.
UNMA's Return On Equity of 13.42% is fine compared to the rest of the industry. UNMA outperforms 66.44% of its industry peers.
UNMA has a Return On Invested Capital (2.68%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for UNMA is in line with the industry average of 4.47%.
The 3 year average ROIC (2.64%) for UNMA is below the current ROIC(2.68%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.42% | ||
| ROE | 13.42% | ||
| ROIC | 2.68% |
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
Looking at the Profit Margin, with a value of 11.77%, UNMA is in the better half of the industry, outperforming 71.23% of the companies in the same industry.
UNMA's Profit Margin has improved in the last couple of years.
UNMA's Operating Margin of 16.48% is fine compared to the rest of the industry. UNMA outperforms 71.23% of its industry peers.
UNMA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.48% | ||
| PM (TTM) | 11.77% | ||
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UNMA is destroying value.
Compared to 1 year ago, UNMA has less shares outstanding
The number of shares outstanding for UNMA has been reduced compared to 5 years ago.
The debt/assets ratio for UNMA is higher compared to a year ago.
2.2 Solvency
UNMA has a debt to FCF ratio of 2.59. This is a good value and a sign of high solvency as UNMA would need 2.59 years to pay back of all of its debts.
UNMA has a Debt to FCF ratio (2.59) which is in line with its industry peers.
UNMA has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
UNMA has a Debt to Equity ratio (0.31) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 2.59 | ||
| Altman-Z | N/A |
ROIC/WACC0.4
WACC6.72%
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 3.25% over the past year.
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 1.86% in the past year.
UNMA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.40% yearly.
EPS 1Y (TTM)3.25%
EPS 3Y24.82%
EPS 5Y9.18%
EPS Q2Q%-4.17%
Revenue 1Y (TTM)1.86%
Revenue growth 3Y2.37%
Revenue growth 5Y1.4%
Sales Q2Q%3.96%
3.2 Future
The Earnings Per Share is expected to grow by 6.50% on average over the next years.
The Revenue is expected to grow by 3.58% on average over the next years.
EPS Next Y1.73%
EPS Next 2Y5.84%
EPS Next 3Y7.41%
EPS Next 5Y6.5%
Revenue Next Year2.46%
Revenue Next 2Y2.89%
Revenue Next 3Y2.94%
Revenue Next 5Y3.58%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
A Price/Earnings ratio of 2.96 indicates a rather cheap valuation of UNMA.
Based on the Price/Earnings ratio, UNMA is valued cheaply inside the industry as 85.62% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.30. UNMA is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 2.59, which indicates a rather cheap valuation of UNMA.
Based on the Price/Forward Earnings ratio, UNMA is valued cheaper than 86.99% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.73, UNMA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.96 | ||
| Fwd PE | 2.59 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UNMA is valued cheaply inside the industry as 87.67% of the companies are valued more expensively.
UNMA's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UNMA is cheaper than 83.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.89 | ||
| EV/EBITDA | 2.99 |
4.3 Compensation for Growth
UNMA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
UNMA has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.71
PEG (5Y)0.32
EPS Next 2Y5.84%
EPS Next 3Y7.41%
5. Dividend
5.1 Amount
UNMA has a Yearly Dividend Yield of 2.44%. Purely for dividend investing, there may be better candidates out there.
UNMA's Dividend Yield is a higher than the industry average which is at 3.43.
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 | 2.44% |
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
20.11% 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.
DP20.11%
EPS Next 2Y5.84%
EPS Next 3Y7.41%
UNUM GROUP - UNM 6 1/4 06/15/58
NYSE:UNMA (9/12/2025, 8:22:43 PM)
24.47
+0.11 (+0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners93.83%
Inst Owner ChangeN/A
Ins Owners0.89%
Ins Owner ChangeN/A
Market Cap4.17B
Analysts78.89
Price Target30.7 (25.46%)
Short Float %0.01%
Short Ratio0.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.44% |
Yearly Dividend1.59
Dividend Growth(5Y)7.77%
DP20.11%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.48%
Min EPS beat(2)-7.7%
Max EPS beat(2)-7.26%
EPS beat(4)1
Avg EPS beat(4)-5.17%
Min EPS beat(4)-7.7%
Max EPS beat(4)0.3%
EPS beat(8)4
Avg EPS beat(8)-1.63%
EPS beat(12)7
Avg EPS beat(12)0.93%
EPS beat(16)10
Avg EPS beat(16)8.01%
Revenue beat(2)0
Avg Revenue beat(2)-4.4%
Min Revenue beat(2)-8.42%
Max Revenue beat(2)-0.37%
Revenue beat(4)0
Avg Revenue beat(4)-3.38%
Min Revenue beat(4)-8.42%
Max Revenue beat(4)-0.37%
Revenue beat(8)0
Avg Revenue beat(8)-2.26%
Revenue beat(12)0
Avg Revenue beat(12)-1.87%
Revenue beat(16)1
Avg Revenue beat(16)-1.58%
PT rev (1m)-5.81%
PT rev (3m)7.15%
EPS NQ rev (1m)-0.39%
EPS NQ rev (3m)-4.98%
EPS NY rev (1m)-4.47%
EPS NY rev (3m)-4.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.24%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.96 | ||
| Fwd PE | 2.59 | ||
| P/S | 0.32 | ||
| P/FCF | 2.89 | ||
| P/OCF | 2.64 | ||
| P/B | 0.37 | ||
| P/tB | 0.38 | ||
| EV/EBITDA | 2.99 |
EPS(TTM)8.27
EY33.8%
EPS(NY)9.45
Fwd EY38.63%
FCF(TTM)8.48
FCFY34.65%
OCF(TTM)9.26
OCFY37.85%
SpS75.78
BVpS66.47
TBVpS64.39
PEG (NY)1.71
PEG (5Y)0.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.42% | ||
| ROE | 13.42% | ||
| ROCE | 3.41% | ||
| ROIC | 2.68% | ||
| ROICexc | 2.74% | ||
| ROICexgc | 3.31% | ||
| OM | 16.48% | ||
| PM (TTM) | 11.77% | ||
| GM | N/A | ||
| FCFM | 11.19% |
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-Score9
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 2.59 | ||
| Debt/EBITDA | 1.55 | ||
| Cap/Depr | 114.02% | ||
| Cap/Sales | 1.03% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 70.31% | ||
| Profit Quality | 95.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC6.72%
ROIC/WACC0.4
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)3.25%
EPS 3Y24.82%
EPS 5Y9.18%
EPS Q2Q%-4.17%
EPS Next Y1.73%
EPS Next 2Y5.84%
EPS Next 3Y7.41%
EPS Next 5Y6.5%
Revenue 1Y (TTM)1.86%
Revenue growth 3Y2.37%
Revenue growth 5Y1.4%
Sales Q2Q%3.96%
Revenue Next Year2.46%
Revenue Next 2Y2.89%
Revenue Next 3Y2.94%
Revenue Next 5Y3.58%
EBIT growth 1Y13.18%
EBIT growth 3Y17.11%
EBIT growth 5Y8.74%
EBIT Next Year-0.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y46.72%
FCF growth 3Y2.8%
FCF growth 5Y-2.7%
OCF growth 1Y43.62%
OCF growth 3Y2.93%
OCF growth 5Y-2.77%