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

NYSE:UNMA • US91529Y6014

Current stock price

23.17 USD
+0.12 (+0.52%)
Last:

This UNMA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. UNMA Profitability Analysis

1.1 Basic Checks

  • UNMA had positive earnings in the past year.
  • UNMA had a positive operating cash flow in the past year.
  • Each year in the past 5 years UNMA has been profitable.
  • In the past 5 years UNMA always reported a positive cash flow from operatings.
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 2025 500M 1B 1.5B 2B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.16%, UNMA is in line with its industry, outperforming 41.89% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 6.64%, UNMA is doing worse than 65.54% of the companies in the same industry.
  • UNMA's Return On Invested Capital of 1.42% is in line compared to the rest of the industry. UNMA outperforms 41.22% of its industry peers.
  • UNMA had an Average Return On Invested Capital over the past 3 years of 2.29%. This is significantly below the industry average of 9.34%.
Industry RankSector Rank
ROA 1.16%
ROE 6.64%
ROIC 1.42%
ROA(3y)2.02%
ROA(5y)1.95%
ROE(3y)12.06%
ROE(5y)12.18%
ROIC(3y)2.29%
ROIC(5y)2.22%
UNMA Yearly ROA, ROE, ROICUNMA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • UNMA has a Profit Margin (5.65%) which is comparable to the rest of the industry.
  • UNMA's Profit Margin has been stable in the last couple of years.
  • With a Operating Margin value of 8.74%, UNMA is not doing good in the industry: 64.86% of the companies in the same industry are doing better.
  • UNMA's Operating Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 8.74%
PM (TTM) 5.65%
GM N/A
OM growth 3Y-18.61%
OM growth 5Y-0.65%
PM growth 3Y-21.63%
PM growth 5Y-1.28%
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 2025 5 10 15

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2

2. UNMA Health Analysis

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.
  • UNMA has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, UNMA has less shares outstanding
  • The debt/assets ratio for UNMA has been reduced compared to a year ago.
UNMA Yearly Shares OutstandingUNMA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 20B 40B 60B

2.2 Solvency

  • UNMA has a debt to FCF ratio of 6.78. This is a slightly negative value and a sign of low solvency as UNMA would need 6.78 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 6.78, UNMA is not doing good in the industry: 70.27% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.34 indicates that UNMA is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.34, UNMA is in line with its industry, outperforming 48.65% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 6.78
Altman-Z N/A
ROIC/WACC0.21
WACC6.74%
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 2025 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 2025 200M 400M 600M

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4

3. UNMA Growth Analysis

3.1 Past

  • The earnings per share for UNMA have decreased by -3.79% in the last year.
  • The Earnings Per Share has been growing by 10.45% on average over the past years. This is quite good.
  • Looking at the last year, UNMA shows a small growth in Revenue. The Revenue has grown by 1.46% in the last year.
  • The Revenue has been decreasing by -0.13% on average over the past years.
EPS 1Y (TTM)-3.79%
EPS 3Y9.35%
EPS 5Y10.45%
EPS Q2Q%-5.42%
Revenue 1Y (TTM)1.46%
Revenue growth 3Y2.93%
Revenue growth 5Y-0.13%
Sales Q2Q%0.23%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.42% on average over the next years. This is quite good.
  • Based on estimates for the next years, UNMA will show a small growth in Revenue. The Revenue will grow by 1.51% on average per year.
EPS Next Y10.05%
EPS Next 2Y10.85%
EPS Next 3Y10.48%
EPS Next 5Y10.42%
Revenue Next Year-8.69%
Revenue Next 2Y-2.12%
Revenue Next 3Y-0.21%
Revenue Next 5Y1.51%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same 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
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 2029 2 4 6 8 10

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7

4. UNMA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 2.85, which indicates a rather cheap valuation of UNMA.
  • 85.81% of the companies in the same industry are more expensive than UNMA, based on the Price/Earnings ratio.
  • UNMA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.54.
  • UNMA is valuated cheaply with a Price/Forward Earnings ratio of 2.59.
  • 86.49% of the companies in the same industry are more expensive than UNMA, based on the Price/Forward Earnings ratio.
  • UNMA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
Industry RankSector Rank
PE 2.85
Fwd PE 2.59
UNMA Price Earnings VS Forward Price EarningsUNMA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, UNMA is valued a bit cheaper than 69.59% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as UNMA.
Industry RankSector Rank
P/FCF 6.83
EV/EBITDA 5.84
UNMA Per share dataUNMA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • UNMA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.28
PEG (5Y)0.27
EPS Next 2Y10.85%
EPS Next 3Y10.48%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. UNMA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.52%, UNMA has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.84, UNMA pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, UNMA pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.52%

5.2 History

  • The dividend of UNMA is nicely growing with an annual growth rate of 9.31%!
  • 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)9.31%
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

  • UNMA pays out 41.46% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of UNMA is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP41.46%
EPS Next 2Y10.85%
EPS Next 3Y10.48%
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 2025 500M 1B 1.5B
UNMA Dividend Payout.UNMA Dividend Payout, showing the Payout Ratio.UNMA Dividend Payout.PayoutRetained Earnings

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UNMA Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:UNMA (3/23/2026, 8:22:40 PM)

23.17

+0.12 (+0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)04-28
Inst Owners91.6%
Inst Owner ChangeN/A
Ins Owners0.85%
Ins Owner ChangeN/A
Market Cap3.79B
Revenue(TTM)13.08B
Net Income(TTM)738.50M
Analysts78.82
Price Target32.15 (38.76%)
Short Float %0.01%
Short Ratio0.3
Dividend
Industry RankSector Rank
Dividend Yield 2.52%
Yearly Dividend1.78
Dividend Growth(5Y)9.31%
DP41.46%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-27
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.8%
Min EPS beat(2)-9.99%
Max EPS beat(2)-3.6%
EPS beat(4)0
Avg EPS beat(4)-7.14%
Min EPS beat(4)-9.99%
Max EPS beat(4)-3.6%
EPS beat(8)3
Avg EPS beat(8)-2.7%
EPS beat(12)6
Avg EPS beat(12)-0.43%
EPS beat(16)9
Avg EPS beat(16)7.64%
Revenue beat(2)1
Avg Revenue beat(2)-0.75%
Min Revenue beat(2)-2.2%
Max Revenue beat(2)0.7%
Revenue beat(4)1
Avg Revenue beat(4)-2.57%
Min Revenue beat(4)-8.42%
Max Revenue beat(4)0.7%
Revenue beat(8)1
Avg Revenue beat(8)-2.15%
Revenue beat(12)1
Avg Revenue beat(12)-1.76%
Revenue beat(16)2
Avg Revenue beat(16)-1.61%
PT rev (1m)7.08%
PT rev (3m)4.46%
EPS NQ rev (1m)-0.44%
EPS NQ rev (3m)-3.1%
EPS NY rev (1m)-3.37%
EPS NY rev (3m)-3.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-14.02%
Revenue NY rev (1m)-0.56%
Revenue NY rev (3m)-11.43%
Valuation
Industry RankSector Rank
PE 2.85
Fwd PE 2.59
P/S 0.29
P/FCF 6.83
P/OCF 5.52
P/B 0.34
P/tB 0.35
EV/EBITDA 5.84
EPS(TTM)8.12
EY35.05%
EPS(NY)8.94
Fwd EY38.57%
FCF(TTM)3.39
FCFY14.64%
OCF(TTM)4.2
OCFY18.13%
SpS79.85
BVpS67.9
TBVpS65.74
PEG (NY)0.28
PEG (5Y)0.27
Graham Number111.38
Profitability
Industry RankSector Rank
ROA 1.16%
ROE 6.64%
ROCE 1.8%
ROIC 1.42%
ROICexc 1.43%
ROICexgc 1.87%
OM 8.74%
PM (TTM) 5.65%
GM N/A
FCFM 4.25%
ROA(3y)2.02%
ROA(5y)1.95%
ROE(3y)12.06%
ROE(5y)12.18%
ROIC(3y)2.29%
ROIC(5y)2.22%
ROICexc(3y)2.3%
ROICexc(5y)2.23%
ROICexgc(3y)2.84%
ROICexgc(5y)2.77%
ROCE(3y)2.9%
ROCE(5y)2.81%
ROICexgc growth 3Y-16.17%
ROICexgc growth 5YN/A
ROICexc growth 3Y-17.33%
ROICexc growth 5YN/A
OM growth 3Y-18.61%
OM growth 5Y-0.65%
PM growth 3Y-21.63%
PM growth 5Y-1.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 6.78
Debt/EBITDA 2.98
Cap/Depr 107.56%
Cap/Sales 1.01%
Interest Coverage 5.68
Cash Conversion 54.35%
Profit Quality 75.21%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC6.74%
ROIC/WACC0.21
Cap/Depr(3y)113.24%
Cap/Depr(5y)104.86%
Cap/Sales(3y)1.03%
Cap/Sales(5y)0.97%
Profit Quality(3y)78.8%
Profit Quality(5y)92.03%
High Growth Momentum
Growth
EPS 1Y (TTM)-3.79%
EPS 3Y9.35%
EPS 5Y10.45%
EPS Q2Q%-5.42%
EPS Next Y10.05%
EPS Next 2Y10.85%
EPS Next 3Y10.48%
EPS Next 5Y10.42%
Revenue 1Y (TTM)1.46%
Revenue growth 3Y2.93%
Revenue growth 5Y-0.13%
Sales Q2Q%0.23%
Revenue Next Year-8.69%
Revenue Next 2Y-2.12%
Revenue Next 3Y-0.21%
Revenue Next 5Y1.51%
EBIT growth 1Y-53.42%
EBIT growth 3Y-16.22%
EBIT growth 5Y-0.78%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-59.97%
FCF growth 3Y-25%
FCF growth 5Y3.03%
OCF growth 1Y-54.55%
OCF growth 3Y-21.45%
OCF growth 5Y2.85%

UNUM GROUP - UNM 6 1/4 06/15/58 / UNMA Fundamental Analysis 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 7 / 10 to UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA). This can be considered as Undervalued.


What is the profitability of UNMA stock?

UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) has a profitability rating of 3 / 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 41.46%.