USD 74.98
| ticker | 1 day return % | 1 week return % | 1 month return % | 3 months return % | 6 months return % | 1 year return % | 3 years return % | 5 years return % | 10 years return % | maximum return % |
|---|---|---|---|---|---|---|---|---|---|---|
| UNM | 0.9 | 3.7 | 2.9 | 16.8 | 39.1 | 65.2 | 171.1 | 155.3 | 138.1 | 971.1 |
| S&P 500 | 1.0 | 1.8 | -0.9 | 2.7 | 7.3 | 26.5 | 31.0 | 80.1 | 196.5 | 33856.2 |
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| Attribute | Value |
|---|---|
| symbol | UNM |
| name | Unum Group |
| price | 74.98 |
| changes percentage | 0.92 |
| change | 0.68 |
| day low | 74.46 |
| day high | 75.50 |
| year high | 77.63 |
| year low | 45.71 |
| market cap | 13692247760 |
| price avg 50 | 72.92 |
| price avg 200 | 59.12 |
| exchange | NYSE |
| volume | 910404 |
| avg volume | 1338786 |
| open | 74.53 |
| previous close | 74.30 |
| eps | 9.21 |
| pe | 8.14 |
| earnings announcement | 2025-02-04T21:00:00.000+0000 |
| shares outstanding | 182612000 |
| timestamp | 2025-01-17 21:00:01 |
We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0000005513 | |||
| revenue | 12385900000 | 11991000000 | 3.29 |
| gross profit | 11933900000 | 11517500000 | 3.62 |
| gross profit ratio | 0.96 | 0.96 | 0.31 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 12308700000 | -9697600000 | 226.93 |
| interest income | 0 | 188500000 | -100.00 |
| interest expense | 194800000 | 188500000 | 3.34 |
| ebitda | 1943700000 | 2049000000 | -5.14 |
| ebitdaratio | 0.16 | 0.16 | -2.52 |
| operating income | 1930500000 | 1819900000 | 6.08 |
| operating income ratio | 0.16 | 0.15 | 2.70 |
| net income | 1283800000 | 1407200000 | -8.77 |
| net income ratio | 0.1 | 0.12 | -11.68 |
| eps | 6.53 | 7.01 | -6.85 |
Revenue Growth: revenue increased to 12,386 million in 2023 from 11,991 million in 2022 representing a change of 3.29%. This indicates a sales growth, which is a positive sign for the company.
Gross Profit: Gross Profit increased to 11,934 million in 2023 from 11,518 million in 2022 representing a change of 3.62%. This indicates a sales profitability growth, which is a positive sign for the company.
Operating Income: Operating income increased to 1,930 million in 2023 from 1,820 million in 2022 representing a change of 6.08%. The increase in operating income indicates better operational performance and increased profitability.
Operating Expenses: Operating Expenses increased to 12,309 million in 2023 from -9,698 million in 2022 representing a change of 226.93%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to 1,944 million in 2023 from 2,049 million in 2022 representing a change of -5.14%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Net Income: Net income decreased to 1,284 million in 2023 from 1,407 million in 2022 representing a change of -8.77%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to 6.53 in 2023 from 6.53 in 2022 representing a change of -6.85%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0000005513 | |||
| revenue | 3202100000 | 3234200000 | -0.99 |
| gross profit | 3106500000 | 3101300000 | 0.17 |
| gross profit ratio | 0.97 | 0.96 | 1.17 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 2220100000 | 856700000 | 159.15 |
| interest income | 0 | 0 | NaN |
| interest expense | 49200000 | 49900000 | -1.40 |
| ebitda | 894400000 | 574600000 | 55.66 |
| ebitdaratio | 0.28 | -0.02 | 1,910.35 |
| operating income | 886400000 | 545400000 | 62.52 |
| operating income ratio | 0.28 | 0.17 | 64.15 |
| net income | 645700000 | 389500000 | 65.78 |
| net income ratio | 0.2 | 0.12 | 67.44 |
| eps | 3.46 | 2.05 | 68.78 |
Revenue Growth: revenue decreased to 3,202 million in 2024Q3 from 3,234 million in 2024Q2 representing a change of -0.99%. This indicates a sales shrinking, which is a negative sign for the company.
Gross Profit: Gross Profit increased to 3,106 million in 2024Q3 from 3,101 million in 2024Q2 representing a change of 0.17%. This indicates a sales profitability growth, which is a positive sign for the company.
Operating Expenses: Operating Expenses decreased to 2,220 million in 2024Q3 from 857 million in 2024Q2 representing a change of 159.15%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) increased to 894 million in 2024Q3 from 575 million in 2024Q2 representing a change of 55.66%. The increase in EBITDA indicates improved operational efficiency and profitability.
Operating Income: Operating income increased to 886 million in 2024Q3 from 545 million in 2024Q2 representing a change of 62.52%. The increase in operating income indicates better operational performance and increased profitability.
Net Income: Net income increased to 646 million in 2024Q3 from 390 million in 2024Q2 representing a change of 65.78%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to 3.46 in 2024Q3 from 3.46 in 2024Q2 representing a change of 68.78%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0000005513 | |||
| total assets | 63255200000 | 61434900000 | 2.96 |
| total liabilities | 53603800000 | 52237400000 | 2.62 |
| total equity | 9651400000 | 9197500000 | 4.94 |
| cash and cash equivalents | 146000000 | 119200000 | 22.48 |
| short term investments | 38444600000 | 1394800000 | 2,656.28 |
| long term investments | 38444600000 | 36235600000 | 6.10 |
| total current assets | 970900000 | 3041400000 | -68.08 |
| total non current assets | 38976500000 | 1249100000 | 3,020.37 |
| total current liabilities | 0 | 192900000 | -100.00 |
| total non current liabilities | 53749000000 | 52044500000 | 3.28 |
| common stock | 19400000 | 30800000 | -37.01 |
| retained earnings | 11431500000 | 12912100000 | -11.47 |
| total debt | 3430400000 | 3429800000 | 0.02 |
Total Assets: Total Assets increased to 63,255 million in 2023 from 61,435 million in 2022 representing a change of 2.96%. Suggesting a growth in asset holdings.
Total Equity: Total Equity increased to 9,651 million in 2023 from 9,198 million in 2022 representing a change of 4.94%. This indicates an increase in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents increased to 146 million in 2023 from 119 million in 2022 representing a change of 22.48%. This indicates an increase in available liquid assets.
Short Term Investments: Short Term Investments increased to 38,445 million in 2023 from 1,395 million in 2022 representing a change of 2656.28%. This indicates an increase in short-term investment holdings.
Total Current Liabilities: Total Current Liabilities decreased to 0 million in 2023 from 193 million in 2022 representing a change of -100.0%. This indicates a lower short-term debt burden.
Total Liabilities: Total Liabilities increased to 53,604 million in 2023 from 52,237 million in 2022 representing a change of 2.62%. This indicates an increase in overall liabilities.
Total Current Assets: Total Current Assets decreased to 971 million in 2023 from 3,041 million in 2022 representing a change of -68.08%. This indicates a worsen liquidity position.
Common Stock: Common Stock decreased to 19 in 2023 from 31 in 2022 representing a change of -37.01%. This indicates a decrease in ownership interest.
Retained Earnings: Retained Earnings decreased to 11,432 million in 2023 from 12,912 million in 2022 representing a change of -11.47%. This indicates an accumulated losses.
Total Debt: Total Debt increased to 3,430 million in 2023 from 3,430 million in 2022 representing a change of 0.02%. This indicates an increase in overall debt burden.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0000005513 | |||
| total assets | 64140500000 | 53385500000 | 20.15 |
| total liabilities | 53189100000 | 42920900000 | 23.92 |
| total equity | 10951400000 | 10464600000 | 4.65 |
| cash and cash equivalents | 163400000 | 132699999 | 23.13 |
| short term investments | 39774300000 | 2976100000 | 1,236.46 |
| long term investments | 7547300000 | 37746300000 | -80.01 |
| total current assets | 39937700000 | 5401200000 | 639.42 |
| total non current assets | 28500000 | 47984300000 | -99.94 |
| total current liabilities | 137700000 | -8502500000 | 101.62 |
| total non current liabilities | 53051400000 | 51423400000 | 3.17 |
| common stock | 19500000 | 19500000 | 0.00 |
| retained earnings | 12642400000 | 12074600000 | 4.70 |
| total debt | 3470400000 | 3470300000 | 0.00 |
Total Assets: Total Assets increased to 64,140 million in 2024Q3 from 53,386 million in 2024Q2 representing a change of 20.15%. Suggesting a growth in asset holdings.
Total Equity: Total Equity increased to 10,951 million in 2024Q3 from 10,465 million in 2024Q2 representing a change of 4.65%. This indicates an increase in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents increased to 163 million in 2024Q3 from 133 million in 2024Q2 representing a change of 23.13%. This indicates an increase in available liquid assets.
Short Term Investments: Short Term Investments increased to 39,774 million in 2024Q3 from 2,976 million in 2024Q2 representing a change of 1236.46%. This indicates an increase in short-term investment holdings.
Total Current Assets: Total Current Assets increased to 39,938 million in 2024Q3 from 5,401 million in 2024Q2 representing a change of 639.42%. This indicates a better liquidity position.
Retained Earnings: Retained Earnings increased to 12,642 million in 2024Q3 from 12,075 million in 2024Q2 representing a change of 4.7%. This indicates an accumulated profits.
Total Liabilities: Total Liabilities increased to 53,189 million in 2024Q3 from 42,921 million in 2024Q2 representing a change of 23.92%. This indicates an increase in overall liabilities.
Total Current Liabilities: Total Current Liabilities increased to 138 million in 2024Q3 from -8,502 million in 2024Q2 representing a change of 101.62%. This indicates a higher short-term debt burden.
Total Debt: Total Debt increased to 3,470 million in 2024Q3 from 3,470 million in 2024Q2 representing a change of 0.0%. This indicates an increase in overall debt burden.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0000005513 | |||
| net change in cash | 26800000 | 44200000 | -39.37 |
| operating cash flow | 1202800000 | 1418700000 | -15.22 |
| free cash flow | 1068000000 | 1316500000 | -18.88 |
| capital expenditure | -134800000 | -102200000 | -31.90 |
| depreciation and amortization | 108800000 | 110500000 | -1.54 |
| deferred income tax | 0 | -52700000 | 100.00 |
| stock based compensation | 0 | 52700000 | -100.00 |
| accounts payables | 0 | 0 | NaN |
| inventory | 0 | 0 | NaN |
| acquisitions net | 0 | 0 | NaN |
| investments in property plant and equipment | -134800000 | -102200000 | -31.90 |
| net cash used for investing activites | -725900000 | -955900000 | 24.06 |
| debt repayment | -2000000 | -14800000 | 86.49 |
| common stock issued | 5200000 | 4000000 | 30.00 |
| common stock repurchased | -250100000 | -200100000 | -24.99 |
| dividends paid | -277100000 | -254200000 | -9.01 |
| net cash used provided by financing activities | -450100000 | -418600000 | -7.53 |
| cash at end of period | 146000000 | 119200000 | 22.48 |
| accounts receivables | 602700000 | 566000000 | 6.48 |
| cash at beginning of period | 119200000 | 75000000 | 58.93 |
Net Change in Cash: Net Change in Cash decreased to 27 million in 2023 from 44 million in 2022 representing a change of -39.37%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow decreased to 1,203 million in 2023 from 1,419 million in 2022 representing a change of -15.22%. This indicates that the company generated less cash from its core business operations.
Free Cash Flow: Free Cash Flow decreased to 1,068 million in 2023 from 1,316 million in 2022 representing a change of -18.88%. This indicates a decrease in cash generated after accounting for capital expenditures.
Deferred Income Tax: Deferred Income Tax increased to 0 million in 2023 from -53 million in 2022 representing a change of 100.0%. This indicates that the company's tax liability for future periods has increased.
Accounts Receivables: Accounts Receivables increased to 603 in 2023 from 566 million in 2022 representing a change of 6.48%. This suggests that the company is less capable of collecting payments from its customers.
Dividends Paid: Dividends Paid decreased to -277 million in 2023 from -254 million in 2022 representing a change of -9.01%. This indicates a weaker financial position, less confidence in future prospects, and a reluctance to return value to shareholders.
Capital Expenditure: Capital Expenditure decreased to -135 million in 2023 from -102 million in 2022 representing a change of -31.9%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.
Stock-Based Compensation: Stock-Based Compensation decreased to 0 million in 2023 from 53 million in 2022 representing a change of -100.0%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0000005513 | |||
| operating cash flow | 390000000 | 339100000 | 15.01 |
| free cash flow | 352300000 | 311400000 | 13.13 |
| capital expenditure | -37700000 | -27700000 | -36.10 |
| depreciation and amortization | 30600000 | 29200000 | 4.79 |
| deferred income tax | 0 | 0 | NaN |
| stock based compensation | -64099999 | 0 | NaN |
| accounts receivables | 301900000 | 161000000 | 87.52 |
| accounts payables | 0 | 0 | NaN |
| inventory | 0 | 0 | NaN |
| acquisitions net | 0 | 0 | NaN |
| investments in property plant and equipment | -37700000 | -27700000 | -36.10 |
| net cash used for investing activites | -119700000 | -291100000 | 58.88 |
| debt repayment | 0 | 0 | NaN |
| common stock issued | 1400000 | 2100000 | -33.33 |
| common stock repurchased | -200000000 | -178100000 | -12.30 |
| dividends paid | -77800000 | -69000000 | -12.75 |
| net cash used provided by financing activities | -239600000 | -194400000 | -23.25 |
| net change in cash | 30700000 | -146400000 | 120.97 |
| cash at end of period | 163400000 | 132700000 | 23.13 |
| cash at beginning of period | 132700000 | 279100000 | -52.45 |
Net Change in Cash: Net Change in Cash increased to 31 million in 2024Q3 from -146 million in 2024Q2 representing a change of 120.97%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow increased to 390 million in 2024Q3 from 339 million in 2024Q2 representing a change of 15.01%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to 352 million in 2024Q3 from 311 million in 2024Q2 representing a change of 13.13%. This indicates an increase in cash generated after accounting for capital expenditures.
Capital Expenditure: Capital Expenditure decreased to -38 million in 2024Q3 from -28 million in 2024Q2 representing a change of -36.1%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.
Stock-Based Compensation: Stock-Based Compensation decreased to -64 million in 2024Q3 from 0 million in 2024Q2 representing a change of nan%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.
Accounts Receivables: Accounts Receivables increased to 302 in 2024Q3 from 161 million in 2024Q2 representing a change of 87.52%. This suggests that the company is less capable of collecting payments from its customers.
Dividends Paid: Dividends Paid decreased to -78 million in 2024Q3 from -69 million in 2024Q2 representing a change of -12.75%. This indicates a weaker financial position, less confidence in future prospects, and a reluctance to return value to shareholders.
We save you time by utilizing Generative AI to summarize earnings transcripts. Our summaries provide a clear insight into the company's current performance, future outlook, and overall sentiment expressed during the call. Click on below links to explore more.
Note: The years mentioned below are fiscal years in accounting.
Q3 2024 Earnings call transcript
EPS represents the portion of a company's profit allocated to each outstanding share of common stock. A higher EPS is generally favorable, indicating stronger profitability on a per-share basis.
Positive EPS: A positive EPS signifies that a company is profitable, it is generally viewed positively, supporting stock value and investor confidence.
Negative EPS: Indicates that a company is operating at a loss, which could lead to negative sentiment, potential stock depreciation, and concerns about the company's financial health.
The Next Earning Date represents when the company plans to release its next set of financial results.
An upward trend in EPS suggests consistent growth in earnings, often leading to increased investor confidence. A downward trend may indicate a decline in earnings, potentially decreasing investor confidence and stock value. Fluctuating EPS suggests unpredictable financial performance, warranting cautious investor analysis.
Earnings surprise occurs when a company's actual earnings differ from analysts' expectations. A positive earnings surprise typically reflects better-than-expected performance, potentially leading to stock appreciation. Conversely, a negative earnings surprise can result in stock depreciation. An earnings surprise of zero means the earnings met expectations, which typically has a neutral impact on stock price.
Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.
| 2023-12-31 | 2022-12-31 | Y/Y change % | |
|---|---|---|---|
| FY | |||
| calendar year | 2023 | 2022 | NaN |
| revenue per share | 62.98 | 59.76 | 5.39 |
| net income per share | 6.53 | 7.01 | -6.92 |
| operating cash flow per share | 6.12 | 7.07 | -13.50 |
| free cash flow per share | 5.43 | 6.56 | -17.23 |
| cash per share | 196.23 | 7.55 | 2,500.60 |
| book value per share | 49.08 | 45.84 | 7.06 |
| tangible book value per share | 46.97 | 44.11 | 6.50 |
| shareholders equity per share | 49.08 | 45.84 | 7.06 |
| interest debt per share | 18.43 | 18.03 | 2.22 |
| market cap | 8892951634 | 8232554616 | 8.02 |
| enterprise value | 12177351634 | 11543154616 | 5.49 |
| pe ratio | 6.93 | 5.85 | 18.40 |
| price to sales ratio | 0.72 | 0.69 | 4.58 |
| pocfratio | 7.39 | 5.8 | 27.41 |
| pfcf ratio | 8.33 | 6.25 | 33.16 |
| pb ratio | 0.92 | 0.9 | 2.94 |
| ptb ratio | 0.92 | 0.9 | 2.94 |
| ev to sales | 0.98 | 0.96 | 2.13 |
| enterprise value over ebitda | 6.27 | 5.63 | 11.21 |
| ev to operating cash flow | 10.12 | 8.14 | 24.43 |
| ev to free cash flow | 11.4 | 8.77 | 30.04 |
| earnings yield | 0.14 | 0.17 | -15.54 |
| free cash flow yield | 0.12 | 0.16 | -24.90 |
| debt to equity | 0.36 | 0.37 | -4.69 |
| debt to assets | 0.05 | 0.06 | -2.86 |
| net debt to ebitda | 1.69 | 1.62 | 4.58 |
| current ratio | 0 | 15.77 | -100.00 |
| interest coverage | 9.91 | 9.65 | 2.65 |
| income quality | 0.94 | 1.08 | -13.21 |
| dividend yield | 0.03 | 0.03 | 0.91 |
| payout ratio | 0.22 | 0.18 | 19.49 |
| sales general and administrative to revenue | 0.09 | 0.09 | 3.31 |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.01 | 0.01 | 15.62 |
| capex to operating cash flow | 0.11 | 0.07 | 55.57 |
| capex to revenue | 0.01 | 0.01 | 27.69 |
| capex to depreciation | 1.24 | 0.92 | 33.96 |
| stock based compensation to revenue | 0 | 0.0 | -100.00 |
| graham number | 84.9 | 85.05 | -0.17 |
| roic | 0.04 | 0.36 | -89.42 |
| return on tangible assets | 0.02 | 0.02 | -11.32 |
| graham net net | -76.34 | -252.8 | 69.80 |
| working capital | 970900000 | 2848500000 | -65.92 |
| tangible asset value | 9237600000 | 8849900000 | 4.38 |
| net current asset value | -52632900000 | -49196000000 | -6.99 |
| invested capital | 1384700000 | 3647800000 | -62.04 |
| average receivables | 0 | 0 | NaN |
| average payables | 0 | 0 | NaN |
| average inventory | 0 | -2185250000 | 100.00 |
| days sales outstanding | 0 | 0 | NaN |
| days payables outstanding | 0 | 0 | NaN |
| days of inventory on hand | 0 | 0 | NaN |
| receivables turnover | 0 | 0 | NaN |
| payables turnover | 0 | 0 | NaN |
| inventory turnover | 0 | 0 | NaN |
| roe | 0.13 | 0.15 | -13.06 |
| capex per share | 0.69 | 0.51 | 34.57 |
ROE:
PE Ratio: Price-to-Earnings (P/E) Ratio increased to 6.93 on 2023-12-31 from 5.85 on 2022-12-31, representing a change of 18.40%. Indicating an increase in the relative valuation of the company's stock.
Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.36 on 2023-12-31 from 0.37 on 2022-12-31, representing a change of -4.69%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
Current Ratio: Current Ratio decreased to 0.00 on 2023-12-31 from 15.77 on 2022-12-31, representing a change of -100.00%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Also, it's below 1, indicating potential liquidity issues.
| 2024-09-30 Q3 | 2024-06-30 Q2 | Q/Q change % | |
|---|---|---|---|
| UNM | |||
| calendar year | 2024 | 2024 | NaN |
| revenue per share | 17.18 | 17.03 | 0.86 |
| net income per share | 3.46 | 2.05 | 68.88 |
| operating cash flow per share | 2.09 | 1.79 | 17.17 |
| free cash flow per share | 1.89 | 1.64 | 15.25 |
| cash per share | 214.26 | 16.37 | 1,208.74 |
| book value per share | 58.75 | 55.11 | 6.61 |
| tangible book value per share | 56.86 | 53.27 | 6.75 |
| shareholders equity per share | 58.75 | 55.11 | 6.61 |
| interest debt per share | 18.88 | 18.54 | 1.86 |
| market cap | 11079657608 | 9722577920 | 13.96 |
| enterprise value | 14386657608 | 13060177921 | 10.16 |
| pe ratio | 4.29 | 6.24 | -31.26 |
| price to sales ratio | 3.46 | 3.01 | 15.10 |
| pocfratio | 28.41 | 28.67 | -0.91 |
| pfcf ratio | 31.45 | 31.22 | 0.73 |
| pb ratio | 1.01 | 0.93 | 8.89 |
| ptb ratio | 1.01 | 0.93 | 8.89 |
| ev to sales | 4.49 | 4.04 | 11.26 |
| enterprise value over ebitda | 16.09 | 22.73 | -29.23 |
| ev to operating cash flow | 36.89 | 38.51 | -4.22 |
| ev to free cash flow | 40.84 | 41.94 | -2.63 |
| earnings yield | 0.06 | 0.04 | 45.47 |
| free cash flow yield | 0.03 | 0.03 | -0.72 |
| debt to equity | 0.32 | 0.33 | -4.44 |
| debt to assets | 0.05 | 0.07 | -16.77 |
| net debt to ebitda | 3.7 | 5.81 | -36.34 |
| current ratio | 290.03 | -0.64 | 45,756.80 |
| interest coverage | 18.02 | 10.93 | 64.84 |
| income quality | 0.6 | 0.87 | -30.62 |
| dividend yield | 0.01 | 0.01 | -1.06 |
| payout ratio | 0.12 | 0.18 | -31.98 |
| sales general and administrative to revenue | 0.09 | 0.09 | 0.42 |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.01 | 0.01 | -16.20 |
| capex to operating cash flow | 0.1 | 0.08 | 18.34 |
| capex to revenue | 0.01 | 0.01 | 37.47 |
| capex to depreciation | 1.23 | 0.95 | 29.87 |
| stock based compensation to revenue | -0.02 | 0 | NaN |
| graham number | 67.67 | 50.43 | 34.18 |
| roic | 0.02 | 0.01 | 154.65 |
| return on tangible assets | 0.01 | 0.01 | 37.83 |
| graham net net | -71.09 | -336.35 | 78.86 |
| working capital | 39800000000 | 13903700000 | 186.25 |
| tangible asset value | 10599400000 | 10115000000 | 4.79 |
| net current asset value | -13251400000 | -37519700000 | 64.68 |
| invested capital | 40647200000 | 14736700000 | 175.82 |
| average receivables | 0 | 0 | NaN |
| average payables | 0 | 0 | NaN |
| average inventory | -24058200000 | -48341200000 | 50.23 |
| days sales outstanding | 0 | 0 | NaN |
| days payables outstanding | 0 | 0 | NaN |
| days of inventory on hand | 0 | -32584.47 | 100.00 |
| receivables turnover | 0 | 0 | NaN |
| payables turnover | 0 | 0 | NaN |
| inventory turnover | 0 | -0.0 | 100.00 |
| roe | 0.06 | 0.04 | 58.41 |
| capex per share | 0.2 | 0.15 | 38.65 |
ROE:
PE Ratio: Price-to-Earnings (P/E) Ratio decreased to 4.29 on 2024-09-30 Q3 from 6.24 on 2024-06-30 Q2, representing a change of -31.26%. Indicating a decrease in the relative valuation of the company's stock.
Current Ratio: Current Ratio increased to 290.03 on 2024-09-30 Q3 from -0.64 on 2024-06-30 Q2, representing a change of 45756.80%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.
Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.32 on 2024-09-30 Q3 from 0.33 on 2024-06-30 Q2, representing a change of -4.44%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
Positive Sentiment: Discounted Cash Flow value is 91.53 which is higher than current price 74.98, indicates the company may be undervalued.
| Market Capitalization | Enterprise Value | |
|---|---|---|
| Definition | The total market value of a company's outstanding shares | The total market value of a company, including its debt and other liabilities |
| Calculation | Current share price * Total number of outstanding shares | Market capitalization + Total debt - Cash and cash equivalents |
| Focus | Equity component of a company's value | Total economic value of a company |
| Usefulness | Assesses a company's size and growth potential based on investor sentiment | Provides a more comprehensive valuation that considers both equity and debt |
Analyzing dividends is a crucial aspect of investment evaluation, offering valuable insights into a company's financial health and its commitment to shareholder returns. Dividends represent a portion of a company's profits distributed to its shareholders, providing a steady income stream. We help you analyze dividends based on the indicators mentioned below:
• Investors often assess the average dividend amount, observing trends over time to gauge the company's stability and growth potential. A positive trend in average dividends indicates a consistent and potentially lucrative investment. Additionally, evaluating the trend of dividend increases provides insight into the company's financial strength and management's confidence in future earnings.
• Consistency in paying dividends is a reassuring sign, reflecting a company's reliability and commitment to shareholder value. For investors, dividends not only offer income but also contribute to the overall total return on investment.
• Companies with a history of regular and increasing dividends can attract income-focused investors seeking stable returns, making dividends a critical factor in building a well-rounded investment portfolio.
Interested in the overall sentiment for a particular period? Check out our news sentiment analysis tool.
Sentiment: Positive
Publish Date: 2025-01-16 02:09:44
I am bullish on Unum Group due to its strong market presence, growth potential, and significant undervaluation, justifying a buy rating. UNM has demonstrated resilience with stable revenue and profit margins, even amid economic challenges, highlighting its reliability and operational efficiency. The company's diverse product portfolio and strong market penetration position it well to capitalize on global economic growth and improving macro conditions.
Sentiment: Positive
Publish Date: 2025-01-14 16:49:57
Unum Group has shown strong operational performance and consistent business growth, leading to a positive outlook and undervalued shares. Despite a relatively low dividend yield, Unum's share buybacks and improving fundamentals make it a compelling value investment. Unum's liquidity and conservative leverage profile support a robust capital return policy, with significant share repurchases and growing dividends expected.
Sentiment: Positive
Publish Date: 2025-01-14 10:46:20
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Sentiment: Positive
Publish Date: 2025-01-10 13:15:44
Unum (UNM) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
Sentiment: Positive
Publish Date: 2025-01-09 10:51:13
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
Sentiment: Positive
Publish Date: 2025-01-09 10:00:00
CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Effective January 9, 2025, the Unum Group (NYSE: UNM) Board of Directors declared a quarterly dividend of $0.420 per share on its common stock to be paid February 14, 2025, to stockholders of record as of January 24, 2025. About Unum Group Unum Group (NYSE: UNM), a leading international provider of workplace benefits and services, has been helping workers and their families thrive for more than 175 years. Through its Unum and Colonial Life brands, the compan.
Sentiment: Positive
Publish Date: 2025-01-07 10:42:03
UNM stock rallies on improved premium income, higher sales, strong persistency, favorable benefits experience, as well as effective capital deployment.
Sentiment: Neutral
Publish Date: 2025-01-06 11:00:00
CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group (NYSE: UNM) will release its fourth quarter 2024 results on February 4, 2025, at approximately 4:15 p.m. ET. The earnings release and financial supplement will be available in the investors section of the company's website, which can be directly accessed at https://investors.unum.com. Members of Unum Group's senior management will host a conference call on February 5, 2025, at 8:00 a.m. ET to discuss fourth quarter operations results and 2025 outl.
Sentiment: Positive
Publish Date: 2025-01-02 10:40:32
Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.
Sentiment: Positive
Publish Date: 2024-12-29 16:25:01
I've been publishing the Zen Ten list since 2008, consistently beating the market by an average of 9.1% per year since 2000. My methodology involves a rigorous three-step screening process using Zacks Investment Research, LSEG StarMine, and StockRover, narrowing 8,000 stocks to just 10. The screening process focuses on earnings growth, value, quality, financial stability, profitability, sustainability, and margin of safety, ensuring a diversified and robust selection.
Sentiment: Negative
Publish Date: 2024-12-27 10:51:12
Insurance stocks MCY, ALL, CNO, PRI and UNM outperform the Zacks S&P 500 Composite and crush the market and the Finance sector.
Sentiment: Negative
Publish Date: 2024-12-26 10:40:41
Lower claims frequency, moderate pricing and the adoption of technology are likely to boost the performance of Zacks Accident and Health Insurance industry players like AFL, UNM, TRUP and EIG.
Sentiment: Positive
Publish Date: 2024-12-26 10:40:33
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Sentiment: Positive
Publish Date: 2024-12-20 14:05:19
Insurers are expected to benefit from prudent underwriting, increased automation and expansion of offerings in 2025.
Sentiment: Positive
Publish Date: 2024-12-19 13:15:24
Insurers like Unum Group, Cincinnati Financial, American Financial, Radian and Voya Financial, which have an impressive dividend history, offer a breather amid volatility.
Sentiment: Positive
Publish Date: 2024-12-18 12:40:45
Driven by their strength, insurers like ALL, UNM, KINS and KMPR have not only crushed the market this year but are expected to retain the bull run next year too.
Sentiment: Positive
Publish Date: 2024-12-12 10:55:25
The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
Sentiment: Positive
Publish Date: 2024-12-12 10:55:23
Unum (UNM) witnesses a hammer chart pattern, indicating support found by the stock after losing some value lately. This coupled with an upward trend in earnings estimate revisions could mean a trend reversal for the stock in the near term.
Sentiment: Positive
Publish Date: 2024-12-11 10:46:45
The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
Sentiment: Positive
Publish Date: 2024-12-10 13:01:43
Unum (UNM) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
* The sentiment analysis presented is generated through an algorithm and may be subject to inaccuracies. Users are advised to corroborate key information and employ further analytical methods prior to making critical decisions.
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Interpret Technical Indicators
| Indicator | Bullish | Bearish |
|---|---|---|
| Price and EMA ⓘ | Price crosses above EMA | Price crosses below EMA |
| Short-Term vs Long-Term EMA ⓘ | Short EMA crosses above Long EMA | Short EMA crosses below Long EMA |
| Volume ⓘ | Increasing volume during price uptrend | Increasing volume during price downtrend |
| MACD ⓘ | MACD crosses above Signal Line | MACD crosses below Signal Line |
| RSI ⓘ | RSI is below 30 (oversold) and starts to rise above 30 | RSI is above 70 (overbought) and starts to decline below 70 |
| Candlestick Patterns ⓘ | Bullish candlestick patterns | Bearish candlestick patterns |
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