Unum Group (UNM)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $bn | 13 | 12 | 12 | 12 | 13 | 13 | 13 | 12 |
| Operating profit | $bn | 1 | 1 | ||||||
| Net profit | $bn | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 2 |
| EPS reported | $ | 4.28 | 4.29 | ||||||
| Operating cashflow per share | $ | 3.99 | 5.20 | ||||||
| Capex per share | $ | 0.77 | 0.86 | ||||||
| FCF per share | $ | 3.22 | 4.34 | ||||||
| Free cash flow | $bn | 1 | 1 | ||||||
| Net debt | $bn | 4 | 4 | ||||||
| Book value equity | $bn | 11 | 11 | ||||||
| Book value per share | $ | 64.30 | 67.55 | ||||||
| Number of shares | m | 172.92 | 160.02 | ||||||
| DPS (TTM paid) | $ | 1.76 | 1.89 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 18.11 | 21.47 | ||||||
| P/B LTM | x | 1.20 | 1.24 | ||||||
| P/S LTM | x | 1.02 | 1.01 | ||||||
| P/FCF LTM | x | 24.07 | 19.29 | ||||||
| EV/EBITDA LTM | x | 13.53 | 14.13 | ||||||
| EV/Sales LTM | x | 1.31 | 1.36 | ||||||
| Earnings Yield LTM | % | +5.52% | +4.66% | ||||||
| FCF Yield | % | +4.15% | +5.18% | ||||||
| Quality | |||||||||
| ROE | % | +6.64% | +6.43% | ||||||
| ROIC | % | +1.15% | +1.11% | ||||||
| Operating margin | % | +7.15% | +6.83% | ||||||
| Gross margin | % | +38.22% | +35.70% | ||||||
| FCF/Sales | % | +4.25% | +5.23% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -54.76% | -54.65% | ||||||
| Sales Growth YoY | % | +2.07% | +3.57% | ||||||
| Net Income Growth YoY | % | -58.49% | -60.50% | ||||||
| FCF Growth | % | -59.97% | -50.05% | ||||||
| Operating Profit Growth | % | -58.54% | -59.80% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.29% | +2.07% | ||||||
| Dividend Growth | % | +12.10% | +20.06% | ||||||
| Payout Ratio | % | +41.37% | +43.24% | ||||||
| FCF/Debt | x | 0.14 | 0.18 | ||||||
| Net Debt/EBITDA | x | 2.96 | 2.94 | ||||||
| EBIT/Net interest | x | 4.47 | 4.29 | ||||||
| Net debt/market cap | % | +28.77% | +26.10% | ||||||
| Net debt/Equity | x | 0.33 | 0.33 | ||||||
| Gross debt/equity | x | 0.35 | 0.35 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Unum Group, along with its various subsidiaries, specializes in delivering financial protection benefits, primarily operating across the United States, the United Kingdom, and Poland. The company's operations are organized into distinct segments: Unum US, Unum International, Colonial Life, and the Closed Block. Its extensive product portfolio encompasses group coverage, including long-term and short-term disability, life insurance, and accidental death and dismemberment. Additionally, Unum provides a range of supplemental and voluntary offerings like individual disability, various voluntary benefits, and dental and vision plans. Further offerings include policies addressing accidents, sickness, general disability, life coverage, cancer, and critical illness. Beyond these, Unum's services extend to group pension plans, individual life insurance, corporate-owned life insurance (COLI), and the management of reinsurance pools. Its primary clientele consists of employers, who procure these solutions to benefit their workforce. Distribution is handled via a diverse network comprising in-house field sales teams, independent brokers, consultants, and an independent contractor agency sales force. Established in 1848, Unum Group maintains its headquarters in Chattanooga, Tennessee.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Unum Group, along with its various subsidiaries, specializes in delivering financial protection benefits, primarily operating across the United States, the United Kingdom, and Poland. The company's operations are organized into distinct segments: Unum US, Unum International, Colonial Life, and the Closed Block. Its extensive product portfolio encompasses group coverage, including long-term and short-term disability, life insurance, and accidental death and dismemberment. Additionally, Unum provides a range of supplemental and voluntary offerings like individual disability, various voluntary benefits, and dental and vision plans. Further offerings include policies addressing accidents, sickness, general disability, life coverage, cancer, and critical illness. Beyond these, Unum's services extend to group pension plans, individual life insurance, corporate-owned life insurance (COLI), and the management of reinsurance pools. Its primary clientele consists of employers, who procure these solutions to benefit their workforce. Distribution is handled via a diverse network comprising in-house field sales teams, independent brokers, consultants, and an independent contractor agency sales force. Established in 1848, Unum Group maintains its headquarters in Chattanooga, Tennessee.
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