UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) Stock Fundamental Analysis
USA - NYSE:UNMA - US91529Y6014
24.16 USD
-0.07 (-0.29%)
Taking everything into account, UNMA scores 5 out of 10 in our fundamental rating. UNMA was compared to 147 industry peers in the Insurance industry. UNMA has a medium profitability rating, but doesn't score so well on its financial health evaluation. UNMA is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
UNMA had positive earnings in the past year.
In the past year UNMA had a positive cash flow from operations.
UNMA had positive earnings in each of the past 5 years.
In the past 5 years UNMA always reported a positive cash flow from operatings.
1.2 Ratios
UNMA has a Return On Assets (2.42%) which is in line with its industry peers.
UNMA has a better Return On Equity (13.42%) than 65.99% of its industry peers.
UNMA has a Return On Invested Capital (2.68%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for UNMA is in line with the industry average of 4.49%.
The last Return On Invested Capital (2.68%) for UNMA is above the 3 year average (2.64%), which is a sign of increasing profitability.
| 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 70.75% of the companies in the same industry.
UNMA's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 16.48%, UNMA is doing good in the industry, outperforming 72.11% of the companies in the same industry.
In the last couple of years the Operating Margin of UNMA has grown nicely.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UNMA is destroying value.
Compared to 1 year ago, UNMA has less shares outstanding
Compared to 5 years ago, UNMA has less shares outstanding
The debt/assets ratio for UNMA is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of UNMA is 2.59, which is a good value as it means it would take UNMA, 2.59 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.59, UNMA perfoms like the industry average, outperforming 51.02% of the companies in the same industry.
A Debt/Equity ratio of 0.31 indicates that UNMA is not too dependend on debt financing.
The Debt to Equity ratio of UNMA (0.31) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 2.59 | ||
| Altman-Z | N/A |
ROIC/WACC0.41
WACC6.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UNMA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.25%.
The Earnings Per Share has been growing by 9.18% on average over the past years. This is quite good.
UNMA shows a small growth in Revenue. In the last year, the Revenue has grown by 1.86%.
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
Based on estimates for the next years, UNMA will show a small growth in Earnings Per Share. The EPS will grow by 6.50% on average per year.
Based on estimates for the next years, UNMA will show a small growth in Revenue. The Revenue will grow by 3.58% on average per year.
EPS Next Y1.41%
EPS Next 2Y5.78%
EPS Next 3Y7.71%
EPS Next 5Y6.5%
Revenue Next Year2.25%
Revenue Next 2Y2.65%
Revenue Next 3Y2.72%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 2.92, which indicates a rather cheap valuation of UNMA.
Based on the Price/Earnings ratio, UNMA is valued cheaper than 84.35% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.83, UNMA is valued rather cheaply.
A Price/Forward Earnings ratio of 2.56 indicates a rather cheap valuation of UNMA.
Based on the Price/Forward Earnings ratio, UNMA is valued cheaper than 87.07% of the companies in the same industry.
UNMA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.92 | ||
| Fwd PE | 2.56 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UNMA is valued cheaply inside the industry as 89.12% of the companies are valued more expensively.
85.03% of the companies in the same industry are more expensive than UNMA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.85 | ||
| EV/EBITDA | 2.98 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UNMA does not grow enough to justify the current Price/Earnings ratio.
The decent profitability rating of UNMA may justify a higher PE ratio.
PEG (NY)2.07
PEG (5Y)0.32
EPS Next 2Y5.78%
EPS Next 3Y7.71%
5. Dividend
5.1 Amount
UNMA has a Yearly Dividend Yield of 2.41%.
Compared to an average industry Dividend Yield of 3.26, UNMA pays a bit more dividend than its industry peers.
UNMA's Dividend Yield is comparable with the S&P500 average which is at 2.30.
| Industry Rank | Sector 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
5.3 Sustainability
20.11% of the earnings are spent on dividend by UNMA. This is a low number and sustainable payout ratio.
The dividend of UNMA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP20.11%
EPS Next 2Y5.78%
EPS Next 3Y7.71%
UNUM GROUP - UNM 6 1/4 06/15/58
NYSE:UNMA (10/28/2025, 8:25:59 PM)
24.16
-0.07 (-0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners92.01%
Inst Owner ChangeN/A
Ins Owners0.89%
Ins Owner ChangeN/A
Market Cap4.11B
Revenue(TTM)12.91B
Net Income(TTM)1.52B
Analysts78.89
Price Target29.44 (21.85%)
Short Float %0%
Short Ratio0.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
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)-4.11%
PT rev (3m)1.68%
EPS NQ rev (1m)-0.83%
EPS NQ rev (3m)-5.85%
EPS NY rev (1m)-0.3%
EPS NY rev (3m)-4.77%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)-0.77%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)-0.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.92 | ||
| Fwd PE | 2.56 | ||
| P/S | 0.32 | ||
| P/FCF | 2.85 | ||
| P/OCF | 2.61 | ||
| P/B | 0.36 | ||
| P/tB | 0.38 | ||
| EV/EBITDA | 2.98 |
EPS(TTM)8.27
EY34.23%
EPS(NY)9.44
Fwd EY39.09%
FCF(TTM)8.48
FCFY35.09%
OCF(TTM)9.26
OCFY38.34%
SpS75.78
BVpS66.47
TBVpS64.39
PEG (NY)2.07
PEG (5Y)0.32
Graham Number111.21
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
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-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
WACC6.57%
ROIC/WACC0.41
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 Y1.41%
EPS Next 2Y5.78%
EPS Next 3Y7.71%
EPS Next 5Y6.5%
Revenue 1Y (TTM)1.86%
Revenue growth 3Y2.37%
Revenue growth 5Y1.4%
Sales Q2Q%3.96%
Revenue Next Year2.25%
Revenue Next 2Y2.65%
Revenue Next 3Y2.72%
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%
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 5 / 10 to UNMA.
Can you provide the valuation status for UNUM GROUP - UNM 6 1/4 06/15/58?
ChartMill assigns a valuation rating of 8 / 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 6 / 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 3 / 10.
How sustainable is the dividend of UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) stock?
The dividend rating of UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) is 5 / 10 and the dividend payout ratio is 20.11%.