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 2024-04-26 pm EDT 		5-day change 1st Jan Change
50.75 USD -1.19% Intraday chart for Unum Group -1.19% +12.23%
Apr. 15 Morgan Stanley Adjusts Unum Group's Price Target to $52 From $50, Keeps Equalweight Rating MT
Apr. 12 Unum Group Keeps Quarterly Dividend at $0.365 per Share, Payable May 17 to Stockholders of Record April 26 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 9,740 - -
Enterprise Value (EV) 1 6,015 7,821 8,391 11,473 8,820 9,740 9,740 9,740
P/E ratio 5.56 x 5.9 x 6.11 x 6.31 x 6.96 x 6.46 x 6.05 x 5.52 x
Yield 3.74% 4.97% 4.76% 3.07% - 3.05% 3.34% 3.83%
Capitalization / Revenue 0.5 x 0.39 x 0.42 x 0.68 x 0.71 x 0.75 x 0.72 x 0.7 x
EV / Revenue 0.5 x 0.39 x 0.42 x 0.68 x 0.71 x 0.75 x 0.72 x 0.7 x
EV / EBITDA 3,553,160 x - - - - - - -
EV / FCF - - 3.93 x - - 8.85 x 7.49 x -
FCF Yield - - 25.4% - - 11.3% 13.3% -
Price to Book 0.59 x 0.43 x 0.44 x 0.88 x 0.91 x 0.9 x 0.81 x 0.72 x
Nbr of stocks (in thousands) 206,268 203,662 204,453 198,941 195,046 191,922 - -
Reference price 2 29.16 22.94 24.57 41.03 45.22 50.75 50.75 50.75
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 12,961 13,464 13,927
EBITDA 1,693 - - - - - - -
EBIT 1 1,583 1,443 1,302 1,744 2,127 2,073 2,148 -
Operating Margin 13.16% 12.06% 10.9% 14.53% 17.12% 16% 15.95% -
Earnings before Tax (EBT) 1 1,382 - - - 1,640 1,942 1,978 2,019
Net income 1 1,100 793 824.2 1,314 1,284 1,508 1,533 1,582
Net margin 9.15% 6.63% 6.9% 10.95% 10.33% 11.63% 11.39% 11.36%
EPS 2 5.240 3.890 4.020 6.500 6.500 7.859 8.394 9.193
Free Cash Flow 1 - - 1,277 - - 1,100 1,300 -
FCF margin - - 10.7% - - 8.49% 9.66% -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - 154.96% - - 72.95% 84.78% -
Dividend per Share 2 1.090 1.140 1.170 1.260 - 1.549 1.697 1.944
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 Q3 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
Net sales 1 2,970 2,988 2,996 3,045 2,966 2,999 3,036 3,111 3,124 3,151 3,204 3,241 3,258 3,283 3,317
EBITDA - - - - - - - - - - - - - - -
EBIT 1 305.7 270.7 389.5 511.2 428 416.8 517.4 567.3 538.8 503.3 514.3 517.9 544 544 -
Operating Margin 10.29% 9.06% 13% 16.79% 14.43% 13.9% 17.04% 18.23% 17.25% 15.97% 16.05% 15.98% 16.7% 16.57% -
Earnings before Tax (EBT) 1 409.9 191.7 312.1 443.1 515.3 360.9 451.3 498.4 261.7 428.7 483 487 483 488 492
Net income 1 328.6 159.7 253.5 370.4 410.7 279.6 358.3 392.9 202 330.6 372.3 380.6 383 378.8 389.8
Net margin 11.06% 5.35% 8.46% 12.16% 13.85% 9.32% 11.8% 12.63% 6.47% 10.49% 11.62% 11.74% 11.76% 11.54% 11.75%
EPS 2 1.600 0.7800 1.250 1.830 2.040 1.390 1.800 1.980 1.020 1.690 1.893 1.952 2.005 2.010 2.099
Dividend per Share 2 0.3000 0.2950 0.3000 0.3000 0.3300 0.3300 0.3300 0.3300 0.3650 - 0.3660 0.3833 0.3986 0.3979 0.4308
Announcement Date 11/2/21 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 - - - - -
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% 11.6% 11.3% 10.7%
ROA (Net income/ Total Assets) - - - - - - - -
Assets 1 - - - - - - - -
Book Value Per Share 2 49.10 53.40 56.40 46.50 49.90 56.10 62.80 70.60
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
50.75 USD
Average target price
58.6 USD
Spread / Average Target
+15.47%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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