Stock UNM UNUM GROUP
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Financials Unum Group

Equities

UNM

US91529Y1064

Life & Health Insurance

Market Closed - Nyse
Other stock markets
 04:00:01 2024-05-17 pm EDT 		5-day change 1st Jan Change
53.09 USD +0.61% Intraday chart for Unum Group +0.80% +17.40%
May. 08 Unum Group Launches Unum Pet Insurance CI
May. 02 Truist Raises Unum Group's PT to $62 From $57, Says Q1 Outperformance Driven by 'Solid' Profitability, Capital Generation; Keeps Buy Rating MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 6,015 4,672 5,023 8,163 8,820 9,994 - -
Enterprise Value (EV) 1 6,015 7,821 8,391 11,473 8,820 9,994 9,994 9,994
P/E ratio 5.56 x 5.9 x 6.11 x 6.31 x 6.96 x 6.63 x 6.32 x 5.65 x
Yield 3.74% 4.97% 4.76% 3.07% - 2.96% 3.29% 3.77%
Capitalization / Revenue 0.5 x 0.39 x 0.42 x 0.68 x 0.71 x 0.77 x 0.74 x 0.71 x
EV / Revenue 0.5 x 0.39 x 0.42 x 0.68 x 0.71 x 0.77 x 0.74 x 0.71 x
EV / EBITDA 3,553,160 x - - - - - - -
EV / FCF - - 3.93 x - - 9.09 x 7.69 x -
FCF Yield - - 25.4% - - 11% 13% -
Price to Book 0.59 x 0.43 x 0.44 x 0.88 x 0.91 x 0.91 x 0.8 x 0.7 x
Nbr of stocks (in thousands) 206,268 203,662 204,453 198,941 195,046 189,383 - -
Reference price 2 29.16 22.94 24.57 41.03 45.22 52.77 52.77 52.77
Announcement Date 2/4/20 2/4/21 2/1/22 1/31/23 1/30/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 12,022 11,963 11,937 12,007 12,422 13,010 13,523 14,054
EBITDA 1,693 - - - - - - -
EBIT 1 1,583 1,443 1,302 1,744 2,127 2,163 2,112 -
Operating Margin 13.16% 12.06% 10.9% 14.53% 17.12% 16.63% 15.62% -
Earnings before Tax (EBT) 1,382 - - - 1,640 - 1,987 2,045
Net income 1 1,100 793 824.2 1,314 1,284 1,510 1,501 1,539
Net margin 9.15% 6.63% 6.9% 10.95% 10.33% 11.61% 11.1% 10.95%
EPS 2 5.240 3.890 4.020 6.500 6.500 7.955 8.353 9.340
Free Cash Flow 1 - - 1,277 - - 1,100 1,300 -
FCF margin - - 10.7% - - 8.46% 9.61% -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - 154.96% - - 72.85% 86.6% -
Dividend per Share 2 1.090 1.140 1.170 1.260 - 1.564 1.737 1.991
Announcement Date 2/4/20 2/4/21 2/1/22 1/31/23 1/30/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 2,988 2,996 3,045 2,966 2,999 3,036 3,111 3,124 3,151 3,202 3,239 3,256 3,284 3,336 3,352
EBITDA - - - - - - - - - - - - - - -
EBIT 1 270.7 389.5 511.2 428 416.8 517.4 567.3 538.8 503.3 563.6 531 535 535 - -
Operating Margin 9.06% 13% 16.79% 14.43% 13.9% 17.04% 18.23% 17.25% 15.97% 17.61% 16.39% 16.43% 16.29% - -
Earnings before Tax (EBT) 1 191.7 312.1 443.1 515.3 360.9 451.3 498.4 261.7 428.7 495.7 497 500 500 495 494
Net income 1 159.7 253.5 370.4 410.7 279.6 358.3 392.9 202 330.6 395.2 374.3 375 371.2 379 380.3
Net margin 5.35% 8.46% 12.16% 13.85% 9.32% 11.8% 12.63% 6.47% 10.49% 12.34% 11.56% 11.52% 11.3% 11.36% 11.35%
EPS 2 0.7800 1.250 1.830 2.040 1.390 1.800 1.980 1.020 1.690 2.040 1.939 1.979 1.994 2.061 2.115
Dividend per Share 2 0.2950 0.3000 0.3000 0.3300 0.3300 0.3300 0.3300 0.3650 - - 0.3800 0.4103 0.4125 0.4200 0.4200
Announcement Date 2/1/22 5/5/22 8/2/22 11/1/22 1/31/23 5/2/23 8/1/23 10/31/23 1/30/24 4/30/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - 3,149 3,367 3,311 - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow 1 - - 1,277 - - 1,100 1,300 -
ROE (net income / shareholders' equity) 12.3% 9.65% 7.99% 12.2% 16.5% 11.7% 11.1% 10.5%
ROA (Net income/ Total Assets) - - - - - - - -
Assets 1 - - - - - - - -
Book Value Per Share 2 49.10 53.40 56.40 46.50 49.90 57.80 65.80 75.60
Cash Flow per Share - 2.930 6.770 7.170 - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/4/20 2/4/21 2/1/22 1/31/23 1/30/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Unum Group

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
11
Last Close Price
52.77 USD
Average target price
58.9 USD
Spread / Average Target
+11.62%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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