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Unum Group Stock Research

UNM

38.41USD+0.55(+1.45%)Market Closed

Market Summary

USD38.41+0.55
Market Closed
1.45%

UNM Alerts

UNM Stock Price

UNM RSI Chart

UNM Valuation

Market Cap

7.6B

Price/Earnings (Trailing)

5.81

Price/Sales (Trailing)

0.64

EV/EBITDA

6.29

Price/Free Cashflow

5.8

UNM Price/Sales (Trailing)

UNM Profitability

EBT Margin

13.61%

Return on Equity

14.29%

Return on Assets

2.14%

Free Cashflow Yield

17.23%

UNM Fundamentals

UNM Revenue

Revenue (TTM)

12.0B

Revenue Y/Y

0.89%

Revenue Q/Q

1.48%

UNM Earnings

Earnings (TTM)

1.3B

Earnings Y/Y

75.08%

Earnings Q/Q

-31.92%

Price Action

52 Week Range

27.9146.64
(Low)(High)

Last 7 days

-13.9%

Last 30 days

-11.5%

Last 90 days

-3.9%

Trailing 12 Months

40.0%

UNM Financial Health

Debt/Equity

0.37

Debt/Cashflow

0.41

UNM Investor Care

Dividend Yield

3.28%

Dividend/Share (TTM)

1.26

Buy Backs (1Y)

2.70%

Diluted EPS (TTM)

6.5

Peers (Alternatives to Unum Group)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
83.5B
49.6B
-3.33% 25.86%
115.74
1.68
4.00% -78.47%
44.9B
69.9B
-22.23% -11.88%
17.7
0.64
-1.66% -61.26%
40.0B
36.9B
-11.25% -6.12%
14.06
1.08
5.94% -22.39%
39.3B
19.5B
-13.25% 1.93%
9.36
2.02
-11.78% -2.87%
17.7B
17.5B
-25.06% 4.19%
3.67
1.01
22.64% 181.28%
MID-CAP
10.0B
16.3B
-17.63% 24.97%
37
0.61
-2.40% 0.97%
7.6B
12.0B
-11.46% 40.03%
5.81
0.64
-0.19% 59.45%
5.9B
10.2B
-16.73% -35.03%
21.2
0.58
0.05% -79.62%
2.5B
7.5B
-17.46% 33.60%
4.09
0.33
-4.15% -32.63%
2.5B
3.6B
-18.74% -10.22%
6.26
0.69
-13.23% -10.02%
2.3B
905.2M
-8.40% -29.57%
-52.12
2.57
29.50% -25.73%
SMALL-CAP
1.4B
1.4B
-7.46% -16.42%
-543.45
1.02
3.97% -101.82%
1.4B
327.1M
6.70% -11.03%
26.51
4.23
39.88% 13.79%
812.7M
813.7M
-5.54% 1.51%
26.24
1
5.28% 117.92%

Financials for Unum Group

Income Statement (Last 12 Months)
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Revenue0.2%11,99111,96411,97211,92412,014
EBITDA10.6%1,7421,5761,4741,297-
EBITDA Margin10.3%0.15*0.13*0.12*0.11*-
Earnings Before Taxes11.6%1,6311,4621,3571,1761,063
EBT Margin11.3%0.14*0.12*0.11*0.10*-
Net Income10.0%1,3141,1941,112925824
Net Income Margin9.8%0.11*0.10*0.09*0.08*-
Free Cahsflow-8.8%1,3171,4431,5311,774-
Balance Sheet
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Assets0.9%61,43560,86763,12166,47270,116
    Cash Equivalents-16.8%11914315110775.00
  Net PPE2.1%452442448455463
  Goodwill0.9%348344348351352
Liabilities0.1%52,23752,20753,41655,84958,699
  Long Term Debt0.0%3,4283,4293,4433,4433,442
    LT Debt, CurrentInfinity%2.00----
    LT Debt, Non Current-3,442----
Shareholder's Equity6.2%9,1988,6609,70510,62311,416
  Retained Earnings1.7%12,91212,69812,35412,04411,853
  Additional Paid-In Capital0.4%2,4412,4322,4172,3962,408
Accumulated Depreciation-1,260----
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Cashflow From Operations-8.0%1,4191,5421,6901,9071,388
  Share Based Compensation-35.00----
Cashflow From Investing15.1%-955-1,126-1,348-2,121-1,340
Cashflow From Financing-6.2%-418-394-313-240-168
  Dividend Payments1.8%254250245243239
  Buy Backs7.5%20018614310050.00

Risks for UNM

What is the probability of a big loss on UNM?

74.2%


Probability that Unum Group stock will be more than 20% underwater in next one year

58.1%


Probability that Unum Group stock will be more than 30% underwater in next one year.

27.7%


Probability that Unum Group stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does UNM drawdown profile look like?

Y-axis is the maximum loss one would have experienced if Unum Group was unfortunately bought at previous high price.

Drawdowns

Returns for UNM

Cumulative Returns on UNM

6.3%


10-Year Cumulative Returns

6.0%


7-Year Cumulative Returns

-1.7%


5-Year Cumulative Returns

40.8%


3-Year Cumulative Returns

What are the long-term rolling returns for UNM?

FIve years rolling returns for Unum Group.

Annualized Returns

Which funds bought or sold UNM recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-03-15
B. Riley Wealth Advisors, Inc.
reduced
-1.34
18,538
441,538
0.01%
2023-03-10
VICTORY CAPITAL MANAGEMENT INC
reduced
-0.03
2,413,920
44,654,900
0.05%
2023-03-06
Rockefeller Capital Management L.P.
added
103
66,000
123,000
-%
2023-02-28
Trust Investment Advisors
sold off
-100
-223,000
-
-%
2023-02-28
Voya Investment Management LLC
added
26.02
4,244,460
17,005,500
0.02%
2023-02-24
NATIXIS
new
-
779,570
779,570
-%
2023-02-23
Portman Square Capital LLP
new
-
416,455
416,455
0.03%
2023-02-22
CVA Family Office, LLC
unchanged
-
2,003
32,003
0.01%
2023-02-22
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
reduced
-3.21
28,000
1,237,000
0.01%
2023-02-21
DGS Capital Management, LLC
reduced
-1.49
53,834
1,344,440
0.88%

1–10 of 44

Latest Funds Activity

Are funds buying UNM calls or puts?
Calls
Puts
Are funds bullish or bearish(Calls - Puts)?
Net Call Options
No. of funds that own UNM
No. of Funds

Unum Group News

Nasdaq

Should Value Investors Buy Unum Group (UNM) Stock?.

Nasdaq,
32 hours ago

Investing.com UK

Investor's Business Daily

London South East

InvestorsObserver

DirectorsTalk Interviews

Schedule 13G FIlings of Unum Group

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Feb 14, 2023
norges bank
5.22%
10,393,936
SC 13G/A
Feb 09, 2023
fmr llc
-
0
SC 13G/A
Feb 09, 2023
vanguard group inc
9.76%
19,431,945
SC 13G/A
Jan 24, 2023
blackrock inc.
12.5%
24,773,115
SC 13G
Apr 06, 2022
norges bank
5.23%
10,594,006
SC 13G
Feb 10, 2022
vanguard group inc
10.68%
21,827,583
SC 13G/A
Feb 09, 2022
fmr llc
-
0
SC 13G/A
Jan 27, 2022
blackrock inc.
11.2%
22,845,078
SC 13G/A
Jan 25, 2022
blackrock inc.
11.2%
22,845,078
SC 13G/A
Dec 10, 2021
blackrock inc.
10.8%
22,120,674
SC 13G/A

UNM Fair Value

Recent SEC filings of Unum Group

View All Filings
Date Filed Form Type Document
Mar 16, 2023
4
Insider Trading
Mar 09, 2023
8-K
Current Report
Mar 07, 2023
8-K
Current Report
Mar 06, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading

Latest Insider Trading transactions for UNM

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2023-03-03
IGLESIAS LISA G
sold
-454,040
45.2772
-10,028
evp, general counsel
2023-03-02
IGLESIAS LISA G
sold
-674,005
45.0177
-14,972
evp, general counsel
2023-03-01
Leiper Martha
sold (taxes)
-189,070
45.57
-4,149
evp, chief investment officer
2023-03-01
Leiper Martha
acquired
-
-
6,561
evp, chief investment officer
2023-03-01
Bhasin Puneet
acquired
-
-
8,399
evp, chief info & digital off.
2023-03-01
Arnold Timothy Gerald
acquired
-
-
7,200
evp, vb & president, colonial
2023-03-01
Rice Walter Lynn JR
acquired
-
-
2,522
svp, chief accounting officer
2023-03-01
Pyne Christopher W
sold (taxes)
-130,421
45.57
-2,862
evp, group benefits
2023-03-01
IGLESIAS LISA G
acquired
-
-
9,888
evp, general counsel
2023-03-01
McKenney Richard P
acquired
-
-
23,229
president and ceo

1–10 of 50

Richard P. McKenney
10300
Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other products. The company sells its products primarily to employers for the benefit of employees. Unum Group sells its products through field sales personnel, independent brokers, consultants, and independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.

UNM Income Statement

2022-12-31
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Revenue   
Premium Income$ 9,623.4$ 9,481.0$ 9,378.1
Net Investment Income2,122.22,213.22,360.7
Net Investment Gain (Loss)(15.7)76.71,199.1
Other Income261.1242.9224.2
Total Revenue11,991.012,013.813,162.1
Benefits and Expenses   
Benefits and Change in Reserves for Future Benefits6,936.77,598.68,972.9
Commissions1,086.41,038.11,057.3
Interest and Debt Expense188.5185.0188.2
Cost Related to Early Retirement of Debt4.267.30.0
Deferral of Acquisition Costs(556.9)(508.1)(576.2)
Amortization of Deferred Acquisition Costs591.0586.1606.1
Compensation Expense1,089.5975.2953.2
Other Expenses1,020.21,008.6996.6
Total Benefits and Expenses10,359.610,950.812,198.1
Income Before Income Tax1,631.41,063.0964.0
Income Tax   
Current473.5212.8(116.6)
Deferred(156.3)26.0287.6
Total Income Tax317.2238.8171.0
Net Income$ 1,314.2$ 824.2$ 793.0
Net Income Per Common Share   
Basic$ 6.55$ 4.04$ 3.89
Assuming Dilution$ 6.50$ 4.02$ 3.89

UNM Balance Sheet

2022-12-31
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Millions
Dec. 31, 2022
Dec. 31, 2021
Investments  
Fixed Maturity Securities - at fair value (amortized cost of $37,825.2; $37,386.7; allowance for credit losses of $—; $—)$ 34,840.8$ 43,336.0
Mortgage Loans (net of allowance for credit losses of $9.3; $8.3)2,435.42,560.4
Policy Loans3,601.23,662.9
Other Long-term Investments1,440.11,203.0
Short-term Investments1,394.81,388.0
Total Investments43,712.352,150.3
Other Assets  
Cash and Bank Deposits119.275.0
Accounts and Premiums Receivable (net of allowance for credit losses of $32.5; $34.2)1,482.11,519.9
Reinsurance Recoverable (net of allowance for credit losses of $1.7; $2.3)10,218.610,919.3
Accrued Investment Income615.0602.7
Deferred Acquisition Costs2,252.32,207.9
Goodwill347.6352.2
Property and Equipment451.7462.7
Deferred Income Tax Assets, Net449.80.0
Other Assets1,786.31,825.6
Total Assets61,434.970,115.6
Liabilities  
Policy and Contract Benefits1,839.81,907.7
Reserves for Future Policy and Contract Benefits42,330.248,007.5
Unearned Premiums352.7347.5
Other Policyholders' Funds1,750.41,790.9
Income Tax Payable190.9159.1
Deferred Income Tax9.2458.4
Short-term debt2.00.0
Long-term Debt3,427.83,442.2
Other Liabilities2,334.42,585.9
Total Liabilities52,237.458,699.2
Commitments and Contingent Liabilities - Note 14
Stockholders' Equity  
Common Stock, $0.10 par; authorized: 725,000,000 shares; issued: 308,306,490 and 307,334,853 shares30.830.7
Additional Paid-in Capital2,441.02,408.1
Accumulated Other Comprehensive Income (Loss)(2,756.6)354.1
Retained Earnings12,912.111,853.2
Treasury Stock - at cost:110,551,977 and 104,820,670 shares(3,429.8)(3,229.7)
Total Stockholders' Equity9,197.511,416.4
Total Liabilities and Stockholders' Equity$ 61,434.9$ 70,115.6