Business Description
![Unum Group Unum Group logo](https://static.gurufocus.com/logos/0C00000CVS.png?14)
Unum Group
NAICS : 524114
SIC : 6321
ISIN : US91529Y1064
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UNM.USA0LJN.UKUUM.GermanyU1NM34.Brazil IPO Date
2018-01-18Description
Unum Group is a provider of group and individual income protection insurance products in the United States, the United Kingdom, Poland, and other countries. It is the largest domestic disability insurer, with the majority of premiums generated from employer plans. The company also offers a complementary portfolio of other insurance products, including long-term care insurance, life insurance, and employer- and employee-paid group benefits. It has the following operating business segments: Unum US, Unum International, and Colonial Life. The majority of the revenue is earned from the Unum US segment. The firm markets its products primarily through brokers.
Financial Strength
4/10
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
Cash-To-Debt | 0.08 | |||||
Equity-to-Asset | 0.16 | |||||
Debt-to-Equity | 0.34 | |||||
Debt-to-EBITDA | 1.72 | |||||
Interest Coverage | 9.59 | |||||
Piotroski F-Score | 6/9 | |||||
Beneish M-Score | -2.57 | |||||
WACC vs ROIC |
Growth Rank
6/10
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -1.2 | |||||
3-Year EBITDA Growth Rate | 16.6 | |||||
3-Year EPS without NRI Growth Rate | 15.8 | |||||
3-Year FCF Growth Rate | 46.5 | |||||
3-Year Book Growth Rate | -2.2 | |||||
Future 3-5Y EPS without NRI Growth Rate | 5.7 | |||||
Future 3-5Y Total Revenue Growth Rate | 4.5 |
Momentum Rank
9/10
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
5-Day RSI | 59.03 | |||||
9-Day RSI | 52.86 | |||||
14-Day RSI | 49.95 | |||||
6-1 Month Momentum % | 15.32 | |||||
12-1 Month Momentum % | 10.98 |
Liquidity Ratio
Name | Current | Vs Industry | Vs History |
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Dividend & Buy Back
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
Dividend Yield % | 2.87 | |||||
Dividend Payout Ratio | 0.18 | |||||
3-Year Dividend Growth Rate | 6.8 | |||||
Forward Dividend Yield % | 2.87 | |||||
5-Year Yield-on-Cost % | 3.96 | |||||
3-Year Average Share Buyback Ratio | 1.7 | |||||
Shareholder Yield % | 6.14 |
Profitability Rank
5/10
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
Net Margin % | 10.59 | |||||
FCF Margin % | 9.76 | |||||
ROE % | 13.76 | |||||
ROA % | 2.13 | |||||
ROIC % | 2.39 | |||||
Years of Profitability over Past 10-Year | 10 |
GF Value Rank
3/10
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
PE Ratio | 7.59 | |||||
Forward PE Ratio | 6.18 | |||||
PE Ratio without NRI | 6.46 | |||||
Shiller PE Ratio | 10.06 | |||||
Price-to-Owner-Earnings | 7.18 | |||||
PEG Ratio | 0.39 | |||||
PS Ratio | 0.8 | |||||
PB Ratio | 0.96 | |||||
Price-to-Tangible-Book | 0.99 | |||||
Price-to-Free-Cash-Flow | 8.24 | |||||
Price-to-Operating-Cash-Flow | 7.42 | |||||
EV-to-EBIT | 6.82 | |||||
EV-to-EBITDA | 6.44 | |||||
EV-to-Revenue | 1.03 | |||||
EV-to-Forward-Revenue | 0.99 | |||||
EV-to-FCF | 10.55 | |||||
Price-to-Projected-FCF | 0.52 | |||||
Price-to-DCF (Earnings Based) | 0.47 | |||||
Price-to-DCF (FCF Based) | 0.71 | |||||
Price-to-Median-PS-Value | 1.1 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.42 | |||||
Price-to-Graham-Number | 0.53 | |||||
Earnings Yield (Greenblatt) % | 14.66 | |||||
FCF Yield % | 12.57 | |||||
Forward Rate of Return (Yacktman) % | 26.06 |