Unum Group UNM NYSE · Financials · United States
$79.85 +0.96% +$0.76
Summary
44 / 100 · Bulios Score
What speaks for it
- It has raised its dividend 17 years in a row.
- The share price is below the Bulios Fair Price.
- It bought back its own shares for $1.01B in the last fiscal year, 8.2% of its market value.
What to watch
- Earnings per share fell by 15% a year over the last 3 years.
- It pays out more in dividends than it earns: 123% of profit.
- Out of every 100 USD of revenue, only 2.0 USD is left as net profit.
- It missed profit estimates 5 times in the last 8 quarters.
Bulios Scoring describes a company's quality and track record, not its future return. A high score is not a buy signal. Learn more
Score in detailPrice
Is it expensive?
Looks cheapBy our assumptions the business is worth more than its shares cost today.
Bulios Fair Price is an estimate of a stock's fair value from the Bulios valuation model. It is an input for your own analysis, not investment advice. How does it work?
Today you pay 50.4 USD for 1 USD of yearly profit. Over the last five years it was 8.8 USD on average.
Valuation in detailIs it growing?
SlowlyRevenue (USD)
Diluted EPS (USD)
- Analyst estimate
Revenue fell by 0.1% a year over 5 years. Over the last 3 years it grew by 3.2% a year. For the next fiscal year analysts expect revenue to fall by 8.3%. Earnings per share fell by 15% a year over the last 3 years.
Growth in detailDoes it make money?
PoorlyWhere 100 USD of revenue goes
- Cost of sales 64 USD
- Sales and administration 33 USD
- Taxes and other 0.9 USD
- Net profit 2.0 USD
Net profit, industry median (Insurance - Life) 12 USD
Out of every 100 USD of revenue, 2.0 USD is left as net profit.
Profitability in detailIs it financially healthy?
Banks and insurers work with their customers' money, so their debt is judged differently; see the health section for their capital figures.
Financial health in detailDoes it pay a dividend?
Small, at risk- Yield
- 2.44%
- Paid out of profit
- 123%
- Raised in a row
- 17 years
You receive $1.93 per share a year. The payout is more than the company can comfortably cover.
Dividends in detailWhat do analysts expect?
Mildly positive- Buy 16
- Hold 13
- Sell 1
Today's price within the analysts' price targets
The average target of $101.71 is 27% above today's price. 53% of the analysts recommend buying.
Analysts in detailWhat does it earn on?
Fiscal year 2025By product
- Unum US 61%
- Colonial Life 15%
- Closed Block 14%
- Unum International 9.5%
By region
The company reports no revenue by region.
Unum US brings in 61% of revenue. Closed Block grew fastest, by 17% a year.
Segments in detail