UNUM GROUP - UNM 6 1/4 06/15/58 (UNMA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UNMA - US91529Y6014
23.07 USD
-0.07 (-0.3%)
We assign a fundamental rating of 4 out of 10 to UNMA. UNMA was compared to 148 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 not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year UNMA was profitable.
In the past year UNMA had a positive cash flow from operations.
In the past 5 years UNMA has always been profitable.
In the past 5 years UNMA always reported a positive cash flow from operatings.
1.2 Ratios
UNMA has a Return On Assets (1.43%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 8.37%, UNMA is doing worse than 60.81% of the companies in the same industry.
UNMA's Return On Invested Capital of 1.70% is in line compared to the rest of the industry. UNMA outperforms 43.24% of its industry peers.
The Average Return On Invested Capital over the past 3 years for UNMA is significantly below the industry average of 14.88%.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of UNMA (6.99%) is comparable to the rest of the industry.
UNMA's Profit Margin has improved in the last couple of years.
UNMA has a Operating Margin (10.48%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of UNMA has grown nicely.
| Industry Rank | Sector 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
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.
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.
The debt/assets ratio for UNMA is higher compared to a year ago.
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.
With a Debt to FCF ratio value of 5.44, UNMA is not doing good in the industry: 62.84% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.32 indicates that UNMA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.32, UNMA is in line with its industry, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.26
WACC6.56%
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 0.37%.
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 2.13%.
UNMA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.40% yearly.
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
Based on estimates for the next years, UNMA will show a small growth in Earnings Per Share. The EPS will grow by 6.87% on average per year.
UNMA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.63% yearly.
EPS Next Y-0.27%
EPS Next 2Y4.77%
EPS Next 3Y6.89%
EPS Next 5Y6.87%
Revenue Next Year1.92%
Revenue Next 2Y2.49%
Revenue Next 3Y3.16%
Revenue Next 5Y3.63%
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 decreasing.
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
The Price/Earnings ratio is 2.80, which indicates a rather cheap valuation of UNMA.
Compared to the rest of the industry, the Price/Earnings ratio of UNMA indicates a rather cheap valuation: UNMA is cheaper than 86.49% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.57. UNMA is valued rather cheaply when compared to this.
UNMA is valuated cheaply with a Price/Forward Earnings ratio of 2.49.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UNMA indicates a rather cheap valuation: UNMA is cheaper than 87.84% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.04. UNMA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.8 | ||
| Fwd PE | 2.49 |
4.2 Price Multiples
79.05% of the companies in the same industry are more expensive than UNMA, based on the Enterprise Value to EBITDA ratio.
UNMA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UNMA is cheaper than 69.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.6 | ||
| EV/EBITDA | 4.9 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.31
EPS Next 2Y4.77%
EPS Next 3Y6.89%
5. Dividend
5.1 Amount
UNMA has a Yearly Dividend Yield of 2.33%. 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 2.42.
Compared to an average S&P500 Dividend Yield of 2.00, UNMA has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
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
UNMA pays out 33.52% of its income as dividend. This is a sustainable payout ratio.
The dividend of UNMA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP33.52%
EPS Next 2Y4.77%
EPS Next 3Y6.89%
UNUM GROUP - UNM 6 1/4 06/15/58
NYSE:UNMA (12/26/2025, 8:19:50 PM)
23.07
-0.07 (-0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners90.57%
Inst Owner ChangeN/A
Ins Owners0.86%
Ins Owner ChangeN/A
Market Cap3.86B
Revenue(TTM)13.07B
Net Income(TTM)913.10M
Analysts78.89
Price Target28.03 (21.5%)
Short Float %0.01%
Short Ratio0.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
Yearly Dividend1.59
Dividend Growth(5Y)7.77%
DP33.52%
Div Incr Years0
Div Non Decr Years4
Ex-Date
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)6.95%
PT rev (3m)0.24%
EPS NQ rev (1m)-0.58%
EPS NQ rev (3m)-5.12%
EPS NY rev (1m)-1.57%
EPS NY rev (3m)-1.96%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)-1.37%
Revenue NY rev (1m)-0.34%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.8 | ||
| Fwd PE | 2.49 | ||
| P/S | 0.3 | ||
| P/FCF | 5.6 | ||
| P/OCF | 4.73 | ||
| P/B | 0.35 | ||
| P/tB | 0.37 | ||
| EV/EBITDA | 4.9 |
EPS(TTM)8.23
EY35.67%
EPS(NY)9.26
Fwd EY40.16%
FCF(TTM)4.12
FCFY17.85%
OCF(TTM)4.87
OCFY21.13%
SpS78.1
BVpS65.19
TBVpS63.08
PEG (NY)N/A
PEG (5Y)0.31
Graham Number109.87
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC6.56%
ROIC/WACC0.26
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-0.27%
EPS Next 2Y4.77%
EPS Next 3Y6.89%
EPS Next 5Y6.87%
Revenue 1Y (TTM)2.13%
Revenue growth 3Y2.37%
Revenue growth 5Y1.4%
Sales Q2Q%5.02%
Revenue Next Year1.92%
Revenue Next 2Y2.49%
Revenue Next 3Y3.16%
Revenue Next 5Y3.63%
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.
Can you provide the valuation status for UNUM GROUP - UNM 6 1/4 06/15/58?
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.
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 33.52%.